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  • Geebo 8:00 am on June 24, 2022 Permalink | Reply
    Tags: , Scams, , , ,   

    Text scam affects the unemployed 

    Text scam affects the unemployed

    By Greg Collier

    It’s no secret the economy is in disarray. It’s affecting those collecting unemployment harder, since unemployment payments aren’t going as far as they used to. That’s not even considering that unemployment benefits aren’t sustainable for most recipients to begin with. Of course, leave it to scammers to try to take from those who have very little to give.

    We’ve seen reports from two states, West Virginia and South Carolina, who have reported residents who have received text messages that appear to come from each states’ unemployment division. However, the text messages in both states are identical.

    The text message says, “Your Back-to-work payment of $4,200.00 is now available, click on to receive payment.” The URL in the text messages are disguised to look like the message came from a .gov address, but if you look closer, you can see the address actually ends in .com. If someone were to click the link, they would be taken to a website that looks like the state’s unemployment website. That website asks the recipient to enter their personal details. This could lead to identity theft or having their unemployment benefits stolen.

    Since this scam is occurring in at least two states, it could be only a matter of time before it’s in all states. If you’ll recall, the previous unemployment scam that occurred during lockdown swept across the country like wildfire.

    To our knowledge, no state is offering a ‘back-to-work’ payment through their unemployment divisions. The scammers are trying to convince their victims that state governments are issuing additional economic impact payments, like the federal government issued last year.

    If you receive a text like this, it’s advised to delete the message and not click on any links contained in the message. If you’ve already given your information to an unemployment scammer, you should contact your state’s unemployment office right away to let them know.

     

  • Geebo 8:00 am on June 23, 2022 Permalink | Reply
    Tags: , , , , Scams, ,   

    Marketplace scam could send angry strangers to your home 

    Marketplace scam could send angry strangers to your home

    By Greg Collier

    Typically, when we discuss scams carried out through Facebook Marketplace, they’re the ones that plague a lot of online marketplace platforms. Of course, there’s the fake check/overpayment scam. Lately, the Google Voice verification scam has been popular on Marketplace. There have also been a number of rental scams, just to name a few. Now, a new scam has been reported that could have unintended consequences for all victims involved.

    According to a report out of Tulsa, Oklahoma, scammers are hijacking the Facebook accounts of their victims through phishing attacks. The report states specifically that the scammers are posing as old friends that you may not have heard from in a while. However, the scammers use the hijacked accounts to place items for sale on Marketplace that didn’t actually exist. While some of the items have been mundane, like furniture, other listings have been advertising purebred puppies.

    As we have seen with previous puppy scams, scammers will often list a fake address to make their scam seem more legitimate. This has led to victims showing up to homes where they think they’re about to get a puppy, only to be turned away in disappointment. While some victims understood the situation, others have become angry at the people living at the address listed, thinking that the residents are part of the scam.

    If scammers are collecting money through apps like Venmo, Cash App, or Zelle, they could be sending their victims to the address of a person with a hijacked Facebook account. This scam could potentially lead to a violent encounter.

    The best way to protect yourself is to keep your Facebook account secure. Consider making your account private to your friends and family only. Use a password that can’t be guessed easily. For that, you can use a password generator service. Even most modern web browsers have a password manager built in. Lastly, you should enable two-factor authentication on your Facebook account. This means there would be a two-step process into signing in to your Facebook account.

    While none of these methods are foolproof, they do go a long way in keeping your digital life secure.

    Video: Stolen Facebook account posts fake ads, sends strangers to woman’s doorstep

     

  • Geebo 8:00 am on June 22, 2022 Permalink | Reply
    Tags: electric company, , Scams, ,   

    Scams rise with temperature 

    Scams rise with temperature

    By Greg Collier

    With many areas around the country experiencing lengthy heatwaves, there’s been an increase in utility or shut-off scams. The shut-off scam has been rather popular with scammers the past couple of years, but these scams increase in frequency during the cold of winter and the height of summer. That’s because this scam relies on their victims having the fear of losing their heating or cooling during extreme weather conditions, such as the current heatwaves.

    The way the scam typically works is the scammer will call the victim posing as their local power company. The scammer will say that the victim is delinquent in their payment, and if the victim doesn’t make an immediate payment, the power will be turned off in a matter of minutes. Previously, we have seen reports of scammers demanding payment in gift cards, prepaid debit cards, and cryptocurrency. That’s because these forms of payment are largely untraceable.

    Recently, the state of North Carolina has reported an upswing in the shut-off scam. If you’ve never been to North Carolina, the state experiences brutal summers with oppressive humidity almost every year. Scammers there have been posing as Duke Energy, which is one of the largest power companies in the country. With many fearing they’ll lose their air conditioning, the scam has been able to find a number of victims. While losses to this scam are usually in the hundreds of dollars, that money could be all that victim has to feed their family or pay other bills.

    As with many scams, it only takes a little bit of knowledge to prevent yourself from being taken advantage of. In this case, it’s the fact that utility companies will not call you about a delinquent bill. Instead, you’ll receive a notice in the mail stating your account is in arrears. If the power were to be shut off, you would receive a written warning of that date as well. And as always, no legitimate business is going to ask for payment in non-traditional ways such as gift cards, cryptocurrency, or apps like Venmo and Zelle.

    If you receive one of these calls, hang up and call your power company to make certain your account is in good standing. Then call your local police to let them know this scam is in your area.

     

  • Geebo 8:00 am on June 21, 2022 Permalink | Reply
    Tags: , , , , , , , , , Scams   

    Scammers accuse victim of money laundering 

    Scammers accuse victim of money laundering

    By Greg Collier

    A woman from Rochester, Minnesota, recently lost thousands of dollars to scammers. It started when the woman received a robocall that claimed to be from Amazon. The recording said that she had been charged for several Amazon purchases, and to press 1 if she did not make them. After she pressed 1, someone claiming to be an Amazon representative spoke to her. The caller said that they would speak to her bank about the charges.

    Not too long after that call, the woman received another call from someone claiming to be with the Federal Trade Commission. This caller told her that her identity had been stolen. The caller told the woman to protect her money, she would need to withdraw the money from her bank account. However, she was told not to contact police, or she could be accused of money laundering. She was then instructed to deposit the money into a Bitcoin ATM that was at a gas station. The victim lost $7,000 in total.

    This scam has a lot of moving parts, but each one is a red flag if you know what to look for. For example, Amazon does not call customers about fraudulent charges. Even on Amazon’s own help page, they say that if you received any communication about a charge you didn’t make, it likely didn’t come from Amazon. If you receive any communication like this, first check your Amazon account for any fraudulent charges. If there are any fraudulent charges, you can dispute them with Amazon, but you need to make first contact. Amazon will not call you.

    While the FTC is a branch of the Department of Justice, they typically do not call consumers to let them know they’ve been a victim of identity theft. Unfortunately, identity theft is usually only detected by the victim and not law enforcement. Also, no government or law enforcement agency will ever call you and threaten you with arrest while supposedly trying to assist you. If someone tells you to not contact the police, your best bet is to contact the police immediately.

    Lastly, no government entity is going to ask you to move your money to Bitcoin, especially if the Bitcoin ATM is at a gas station. While cryptocurrencies may have gained a modicum of mainstream acceptance, it’s nowhere near the point where the government is using it as a consumer protection platform.

     

  • Geebo 8:00 am on June 20, 2022 Permalink | Reply
    Tags: , , Scams, ,   

    FBI warns of social media cash scam 

    FBI warns of social media cash scam

    By Greg Collier

    The advent of personal payment apps like Cash App, Venmo, and Zelle has given rise to a new generation of scams. One of the most egregious scams is the cash flipping scam. This is mostly associated with Cash App, although it has appeared on other platforms. Cash flipping is when scammers try to convince their victims that they’ll give the victims a lot of money in exchange for a little money.

    For example, a scammer may promise victims $500 if the victims send the scammers $50 through Cash App. Once the victim sends the money through Cash App, the scammer blocks the victim and keeps their money. The scam is given legitimacy since Cash App itself holds giveaways called #CashAppFridays. Cash App policies give little recourse to victims in scams like this. Payments can often only be refunded if the person who receives the payment cancels the transaction.

    Recently, the Las Vegas office of the FBI has issued a warning about cash flipping scams. They say that scammers are using hijacked social media accounts to approach victims through private messages. Often these hijacked accounts show pictures of people with large amounts of cash to try and make the scam seem on the up and up.

    If the scammers don’t break off contact immediately, they’ll claim Cash app is holding up the transaction. The victim will then be instructed to use a certain email address on their Cash app account to make the transaction go through. This then allows the scammers to hijack the Cash App account itself.

    To avoid this scam, the FBI recommends using two-factor authentication on your payment and social media apps. While this can be an inconvenience to some, it goes a long way in keeping online accounts secure. If the scammers ever request any kind of verification code number, they’re trying to circumvent your two-factor authentication, and that code should never be given out to anyone.

    Lastly, people don’t get rich by giving away money for free. As with most scams, if it sounds too good to be true, it probably is.

     

  • Geebo 8:00 am on June 17, 2022 Permalink | Reply
    Tags: , , , Scams   

    Apple sued for gift card scam 

    Apple sued for gift card scam

    By Greg Collier

    We’ve said many times in the past that gift cards are the currency of scammers. Scammers frequently try to get their victims to pay in gift cards, since the cards can be drained if their funds almost instantly. Rarely do gift card scam victims ever get their money back. The retailers who issue these gift cards typically say that there’s nothing they can do once the gift card is spent. However, an ongoing lawsuit may have retailers changing their tune.

    Apple is being sued in a class action lawsuit over their gift cards. Apple gift cards are highly sought after by scammers since they can use them to purchase high-end laptops and phones, then sell them for a profit. Although, the lawsuit claims that there is another use for Apple gift cards where Apple profits along with the scammers.

    The lawsuit contends that Apple profits from these scams since scammers will use the gift cards to buy an app from the Apple App Store multiple times. The scammers run these apps and get a large cut from their sale. In turn, Apple gets a 30% cut of those sales. Apple is accused of allegedly being in a position to return the ill-gotten funds to victims, but chooses not to. According to the suit, Apple holds 100% of those funds for 4-6 weeks before paying the app developer/scammer.

    Apple had been trying to have the suit dismissed, claiming that they have a refund policy printed on the gift cards that says no refund is possible once the card has been redeemed. Recently, a judge dismissed this claim, allowing the lawsuit to proceed.

    It will be interesting to see if Apple will be held liable. If so, it may change the gift card scam economy. But don’t think this will slow scammers down any. Many scammers have already stopped asking for money in gift cards and instead are now asking for money in cryptocurrency, most commonly Bitcoin.

    As always, the best way to avoid many of the gift card scams is to keep in mind that no legitimate business or agency will ask for payment in gift cards.

    https://youtu.be/zWeGHzq1jGM
     

  • Geebo 8:00 am on June 16, 2022 Permalink | Reply
    Tags: , , , Scams   

    Why scammers strike twice 

    By Greg Collier

    If you’re a regular reader, you’re probably very familiar with the grandparent scam. In case you’re a new reader, the grandparent scam is when scammers will call an elderly victim posing as one of the victim’s grandchildren. They’ll claim they’re in some kind of legal trouble and need money for bail or other legal fees.

    Recently, in Hampton, New Hampshire, an elderly couple was targeted in a grandparent scam. The scammers posed as an attorney’s office, and claimed the couple’s grandson was in a car accident and not only needed money for medical costs, but also legal costs since the scammers said the grandson hit a pregnant woman in the accident.

    As grandparent scammers have been doing lately, the scammers posed as couriers, and picked up close to $10,000 from the couple. However, the scammers are said to have pushed their luck by trying to get more money from the couple. At first, the scammers tried to get $20,000 from the couple, but settled for another $10,000.

    While the couple were withdrawing money from their bank, a bank teller was suspicious and advised the couple about the scam. Local police were contacted and arrested the alleged scammers when they arrived at the couple’s home the second time.

    Many scammers will try to get additional money from a victim if the victim has already paid once. We’ve seen this with sweepstakes scams and other forms of advance fee scam, where the scammers will continue to ask for money but never deliver any benefit to their victims.

    In other instances, if a victim pays once, scammers will make note of that, and try using a different scam on that same victim at a later time. We’ve even hard of some scammers that trade lists of victims with other scammers for money.

    If you or someone you know has fallen victim to any number of phone or internet scams, there’s a good chance they could be targeted again. As such, they should be highly skeptical of phone calls, text messages, emails, and social media messages from strangers.

    As far as the grandparent scam is concerned, anyone who receives that type of call should hang up and call someone who can verify the well-being of the loved one who’s supposedly been arrested. Also, keep in mind police, attorneys, or bail bondsmen will never call you asking for money.

     

  • Geebo 8:00 am on June 15, 2022 Permalink | Reply
    Tags: , , mail washing, Scams   

    Why is mail being stolen from your mailbox? 

    Why is mail being stolen from your mailbox?

    By Greg Collier

    Depending on where you live, mail theft might be a common occurrence in your neighborhood. While it may not have happened to you, it may have happened to your neighbors. If you belong to a neighborhood group online, you may have seen some complaints of mail theft.

    But why would someone want to steal your mail? Identity theft is a big reason. If you get a lot of credit card offers, an identity theft may fill out the application in your name. Stealing gifts is another reason. For example, if you’ve recently had someone in your home graduate from high school, and had graduation decorations in front of your home, mail thieves may be watching your mailbox for cash gifts being sent through the mail.

    However, what we’re discussing today is outgoing mail. If you leave your outgoing mail in your home’s mailbox for the Postal Service to pick up, you may want to start a new routine. A report out of one Florida city is stating that residents are having their mail stolen for a scam known as mail washing or check washing. This is when mail thieves look for the flag on your mailbox being left upright, indicating that there is mail that needs to picked up.

    The thieves are hoping to find any kind of payment that’s made by check. They’ll take the checks and dip them in a chemical solution that removes the ink from the check. This allows the thieves to write the check to anybody they want for any amount.

    In the Florida town, residents were struck seven times since March and have lost a total of $85,000. One victim lost a total of $14,000 from one check. That victim reported that his security camera caught the thieves taking his mail around 1 or 2 am.

    There are ways to protect yourself from the check washing scam, though. There are special pens you can use that are designed to resist check washing. You may want to also consider switching to electronic payments rather than manual ones. Lastly, if you absolutely have to mail a physical check to someone, it’s best if you take it directly to your local post office and drop off the check inside.

     

  • Geebo 8:00 am on June 14, 2022 Permalink | Reply
    Tags: , , , , , Scams,   

    BBB warns of new Facebook Messenger scam targeting US workers 

    BBB warns of new Facebook Messenger scam targeting US workers

    By Greg Collier

    An untold number of people around the world use Facebook Messenger as their primary form of communication. Even in America, many users of Messenger have replaced their phone carrier’s text message app with Messenger. This has given rise to just as many scams on Messenger that have plagued text message users.

    One of the more infamous Messenger scams is the government grant scam. In that scam, scammers gain access to a friend’s Facebook account. They’ll then use the friend’s Messenger account to message the victim. The message usually contains something along the lines of that they just received a large federal grant to help pay their bills. The ‘friend’ will then tell the victim that they should apply for this grant, along with instructions on how to request the grant. The victim will be directed to someone posing as the government, who will ask the victim for a processing fee before issuing the grant. At this point, the scammer will either disappear or will keep luring the victim with the promise of a large grant payment if the victim just keeps paying money for additional fees.

    According to a Better Bureau Office in Texas, they’ve received notice about a similar Messenger scam happening in their area. The BBB is saying the scam is targeting people who are owed workers’ compensation. It’s unclear how scammers are obtaining these lists. However, what the scammers are doing is using Messenger to contact the people entitled to workers’ comp, and posing as a service that can get their workers’ comp for them. Of course, this involves paying a fee to the scammers. Much like the grant scams, the scammers will disappear after getting the payment or try to milk the victims for more money.

    However, there are ways to protect yourself from these scams. If a friend messages you about a money making opportunity, use a way to get a hold of them besides Messenger to find out if they meant to send that message. The BBB also recommends that you should never pay money to get money. If money is owed to you through a business or the government, you shouldn’t have to pay any money to get your payout. Lastly, like most scams, if the person asking for money asks for it in non-traditional means like cryptocurrency, gift cards, or pre-paid debit cards, you’re more than likely talking to a scammer.

     

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