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  Geebo 8:00 am on May 13, 2022 Permalink | Reply
  Tags: baby formula ( 2 ), product shortage ( 2 ), recall ( 3 ), Scams, supply chain ( 2 )   

  BBB warns of baby formula scams 

  

  By Greg Collier

  Whenever there is a shortage of something, inevitably, some people will use that shortage to their own financial advantage. This can be seen in such practices as price gouging and scalping. However, in those practices, you can still get a product. Then there’s the scam where you get nothing at all.

  As you may know, there has been a shortage of baby formula happening across the country. Due to supply chain issues and a massive recall of baby formula due to salmonella, store shelves have been barren of baby formula. Even government programs which are designed to assist low-income families have been struggling to supply formula to needy families. Of course, scammers never see a crisis they can’t pass up.

  The Better Business Bureau has issued a nationwide warning about baby formula scams. According to the BBB, scammers are setting up fake websites and social media profiles. The scammers claim that not only do they have baby formula in stock, but they’re offering it at bargain prices. However, payments are only accepted through the usual suspects of Cash App, Venmo, and probably Zelle. Once the payment is made, the scammers block their victims on these apps, leaving the victims out of money and a hungry child to feed. Some of these websites even have pictures of what the scammers claim is their supply, but more often than not, these photos are stolen off the internet.

  If you come across a website selling baby formula, research before you buy. First, do what’s called a WHOIS search on the website’s domain name. This will more than likely let you know when the site was created. You can also do a web search of the site’s name along with the terms ‘review’ or ‘scam’. That should provide you with information to let you know whether the site is legitimate or not. Unfortunately, during the current crisis, these vendors will almost assuredly be scammers.

   

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  Geebo 8:00 am on May 12, 2022 Permalink | Reply
  Tags: deceased ( 3 ), identity theft ( 107 ), jury duty scam ( 30 ), police impersonation scam ( 64 ), real estate ( 127 ), rental scam ( 87 ), Scams   

  Scam Round Up: Homeless victim loses savings in scam and more 

  

  By Greg Collier

  In this week’s round up, we have an update on a recent scam, a reminder of a grim scam, and a heartbreaking story on how heartless scammers are.

  ***

  You may remember a story from our last Scam Round Up where teachers in the Pittsburgh, Pennsylvania area were being targeted in a jury duty scam. More recently, this scam moved westward and is now targeting teachers from the Cleveland, Ohio area, with at least one teacher falling victim to the scam.

  This is where scammers pose as local police and tell their victims they missed jury duty and a warrant is about to be issued for their arrest. However, a payment over the phone will supposedly resolve the matter.

  Much like in the Pittsburgh scam, scammers are calling schools in the Cleveland area asking for specific teachers and threatening them with arrest. One teacher is said to have lost $2000 to these scammers.

  Again, when it comes to jury duty, all communication is done through postal mail and not over the phone.

  ***

  In Upstate New York, police there are warning residents about a scam affecting the families of the recently deceased. Scammers are calling these families posing as an actuarial company claiming there’s been a data breach of the deceased’s information. The families are then asked for personal identifying information of the deceased.

  In this instance, scammers are likely trying to commit identity theft. They want to do things like open credit cards or take out loans in the deceased’s name before the credit companies update their record.

  If you were ever to receive a phone call like this, the best thing to do is to ask for them to send a request in writing. While not a guarantee, this does go a long way on discouraging these kinds of scammers.

  ***

  If that story wasn’t disturbing enough, a homeless woman from Florida was recently taken for over $1000 in a rental scam. After saving up enough money for her and her newborn baby to rent a home, she responded to an online real estate ad. She was texted by the supposed landlord, who asked her to pay a $75 application fee over Zelle. She was told she couldn’t see the property for a few days since it was currently occupied. Then she was asked by the supposed landlord to send $1049 for the first month’s rent. Fearing she might not get the home, she sent the money.

  Anytime a prospective landlord can’t show the property for whatever reason, there’s a good chance they’re not really the landlord.

  ***

  We hope that our readers never have to deal with scammers like this. But if you do, we hope we’ve prepared you enough to detect them.

   
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  Geebo 8:00 am on May 11, 2022 Permalink | Reply
  Tags: puppy scam ( 37 ), Scams, Zelle ( 66 )   

  Zelle now used in puppy scams 

  

  By Greg Collier

  Online puppy scams are probably one of the more heartbreaking scams out there. Victims end up paying hundreds or thousands of dollars for a puppy that doesn’t even exist.

  Typically, scammers will set up a website that makes it appear as if they’re breeders of purebred puppies. These websites are filled with pictures of puppies that are stolen from various places on the internet. The puppies on these websites are usually advertised at well below market value prices. After the victim sends money to the scammers, thinking they’ve bought a puppy, the scammers will start asking for more money disguised as expenses. Sometimes the scammer will say they need the money for a special shipping crate for the puppy. Other times it will be for taxes or insurance. But in all cases, the victim never receives a puppy, and they’ve lost a substantial amount of money.

  This recently happened to a couple from San Jose, California. They found a website that specialized in Pomeranians. They thought they were buying the puppy for $600 from a breeder in Texas. After they made their first payment, they were then asked for an additional payment of $1400, so the puppy wouldn’t have to spend two weeks in quarantine. The couple paid that fee as well. The scammers came back for a third time asking for $1300. That’s when they realized they were being scammed.

  One of the alleged scammers has been arrested. What we found most interesting about this scam is that the scammer is accused of opening multiple Zelle accounts through multiple banks. This was said to be the way the scammer collected the money from their victims. As has been previously mentioned, since Zelle offers little protection to its users, it’s become the payment method of choice for scammers. Once scammers get their money from their victims on Zelle, they can block the victim, and close the account. This leaves victims with little to no recourse.

  As we like to remind our readers, Zelle is only supposed to be used between friends and family as an easy method of payment. It shouldn’t be used for major purchases like a puppy.

  And as far as puppy scams go, never buy a puppy sight unseen. Also, try to shop local from a licensed breeder. And as always, we recommend considering adopting a puppy from your local shelter instead. This can often be done with minimal or no cost. Some shelters even have waiting lists you can sign up for if you’re looking for a certain breed.

   
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  Geebo 8:00 am on May 10, 2022 Permalink | Reply
  Tags: business email compromise ( 11 ), email ( 6 ), phishing ( 77 ), real estate ( 127 ), Scams, wire fraud ( 21 )   

  Homebuyer loses $155K in email scam 

  

  By Greg Collier

  A woman in the state of Georgia was getting ready to close on a new home when she received an email from her lawyer. She was given instructions to wire transfer the $155,000 for the closing costs. However, the money did not go to the attorney. Instead, it went to the bank account of a local scammer who was recently arrested on felony theft charges.

  So, how was the scammer able to fool the victim? This scam is known as the business email compromise scam, or BEC for short. In this scam, the scammers hijack compromised email accounts of real estate attorneys, title companies, or banks. This way, the scammers can monitor the emails for people who are getting ready to close on their homes. Then, the scammers either use the hijacked email address or a spoofed address to give fraudulent instructions to the homebuyer to wire the money to the scammers. Meanwhile, the victims think they just closed on a new home.

  According to the FBI and other law enforcement agencies, this scam is becoming more common. This scam is so profitable, the scammers only need one victim to fall for the scam to make a ton of money.

  While you may not be in the market for a home right now, you may be in the future. So, it’s best to have this knowledge now instead of finding out before it’s too late. When the time comes to buy a home, the best way to protect yourself is to verify everything by phone. If you get an email from someone involved in the process asking you to make a substantial payment, call them to verify the request. It might be even better to visit the sender in person to verify any requests. No one wants to go through the stressful process of buying a new home only to have their dreams of a new home dashed by losing money to a scammer.

   
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  Geebo 8:00 am on May 9, 2022 Permalink | Reply
  Tags: bitcoin ( 32 ), Cash App ( 42 ), cryptocurrency ( 51 ), Instagram ( 17 ), Scams   

  Victims burned twice in Bitcoin scam 

  

  By Greg Collier

  Since it gained mainstream popularity, Bitcoin has had an air of fraud around it. While people have gotten wealthy through the mining, trading, and investing of Bitcoin, it’s also attracted a large number of scammers. While every Bitcoin transaction is recorded on a public ledger, it’s virtually impossible to reclaim if stolen. Also, due to the fact that Bitcoin is decentralized and has no governing authority, victims of Bitcoin scams have little to no recourse.

  One of these scams is targeting users of Instagram and takes advantage of hacked accounts. Once an Instagram account is compromised, the scammers will use this account to message other users on the account’s friends list, telling them how they’ve made money through Bitcoin. One Instagram use from Omaha, Nebraska, was asked to invest $500 through Cash App to purchase Bitcoin. However, before she could get her Bitcoin, she was asked to record a testimonial saying how successful this Bitcoin scheme was. Not only did she lose the $500, but now a video of her touting the success of this Bitcoin scheme is being shared on social media.

  Unless you have a complete understanding of Bitcoin and cryptocurrency and general, it’s advised to avoid any Bitcoin transactions. This includes friends on social media telling you how much money they made. If you receive a message like that, message your friend back through other means to ask them if they meant to send that message.

  Also, please keep in mind that the majority of agencies and companies will never ask for payment for some kind of bill in Bitcoin. You should also be aware of services who claim to be able to get your stolen Bitcoin back for a fee. That is also a scam.

  Lastly, as with any investment, never invest any money you can’t afford to lose.

   
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  Geebo 8:00 am on May 6, 2022 Permalink | Reply
  Tags: pop-ups ( 26 ), remote access ( 6 ), Scams, tech support scam ( 50 )   

  Pop-up scam continues to plague computer users 

  

  By Greg Collier

  It was just a little over a week ago that we were discussing the pop-up scam that affects computer users. This is where someone is using their computer when all of a sudden their screen is overtaken by a pop-up message that states the computer they’re using has gotten a virus. Typically, these pop-ups claim to be from a large tech company, most commonly they claim to be from Microsoft. These pop-ups also contain what appears to be a customer service number that the user is supposed to call to get their computer working again.

  These phone numbers do not go to Microsoft. Instead, they go to a group of scammers who are looking to extort money from the computer user. More often than not, the user is instructed to give remote access to the phony technician. This allows the scammers to go through the personal files stored on the computer. The scammers will then come up with some reason that the computer user has to pay them money, usually through non-recoverable means like cryptocurrency.

  The reason we’re bringing up the pop-up scam so soon is that it seems to be on a meteoric rise. Just today, we found several instances of it happening across the country where victims have lost thousands of dollars. For example, a man from Lincoln, Nebraska, paid $4000 in gift cards to scammers. In the Kansas City Metro Area, two people ended up losing $30,000 total to scammers who made their victims pay through Bitcoin kiosks. In the Green Bay-area of Wisconsin, residents there lost a total of $78,000 to scammers who gained access to their victims’ bank accounts and converted the money to Bitcoin. And in the Cleveland, Ohio, suburbs, a man lost $18,000 to scammers who also had him pay at a Bitcoin ATM. Those are all the stories about this scam that we found in one day. Who knows how many others have happened without being reported?

  If anyone you don’t personally know asks for remote access to your computer, they’re almost definitely a scammer. Also, keep in mind that companies like Microsoft hardly ever reach out to consumers in that way.

   
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  Geebo 8:00 am on May 5, 2022 Permalink | Reply
  Tags: charity scam ( 35 ), insurance ( 8 ), natural disasters ( 20 ), Scams, tornadoes ( 5 )   

  State warns of storm scams 

  

  By Greg Collier

  Recently, the Wichita-area of Kansas experienced severe weather, which resulted in at least one tornado that tore through the town of Andover. The EF-3 tornado was only on the ground for 21 minutes, more than 1,000 buildings were destroyed in the 13 miles the tornado traveled. As with any natural disaster, scammers will start popping out of the woodwork looking to take advantage of storm victims. In an attempt to get ahead of the scammers, the Kansas Attorney General’s Office issued a warning to residents of the Sunflower State.

  Even though the warnings issued are relevant to Kansas residents right now, every state has its fair share of natural disasters. Whether it’s flooding, wildfires, hurricanes, earthquakes, or what have you, scammers will descend on that area like a plague. So what’s pertinent to Kansas today could be pertinent to your area tomorrow.

  The most common scam after disasters like this are from shady contractors. These phony contractors travel from storm to storm, looking for victims. They’ll claim to be licensed, but they may not be licensed in your state. You should only deal with contractors that are licensed in your state. Another good way to avoid this scam is to get estimates from a few contractors. Also, you should never pay in advance as that could be an indication of a scam.

  Another disaster-related scam is when scammers offer to assist you in qualifying for FEMA relief assistance. FEMA does not charge any kind of application fee. So if someone claiming to be from FEMA asks you for money, they’re more than likely a fraud.

  This can go for scammers posing as your insurance company as well. If you receive a call from someone claiming to be from your insurance company, don’t give them any personal information. Instead, you should hang up and either call your local agent or the customer service phone number listed on your policy.

  For those of you living outside of disaster areas, you still have to be wary of scams as well. While you may have a charitable streak, be careful of donating to any random charity claiming to be for disaster relief. Real charities will never ask you to donate through gift cards, money orders, or wire transfers. Scammers will also try to pressure you into making a donation as quickly as possible.

   
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  Geebo 8:00 am on May 4, 2022 Permalink | Reply
  Tags: fake check ( 48 ), job scam ( 80 ), jury duty scam ( 30 ), mystery shopper ( 5 ), police impersonation scam ( 64 ), Scams, secret shopper ( 15 ), teachers ( 2 ), U.S. Customs and Border Protection ( 7 )   

  Scam Round Up: Teachers targeted in scam and more 

  

  By Greg Collier

  Today, we’re presenting our readers with three scams that, while not new, deserve to be reviewed.

  ***

  Reports from Pennsylvania are saying that the Mystery Shopper or Secret Shopper scam is making the rounds again. Many retail chains do employ secret shoppers who go around to the various stores and rate their experience. However, scammers would have you believe these positions are plentiful, which they are not.

  In Pennsylvania, reports there state that victims of the scam are being given fake checks to deposit in their bank accounts. They’re then asked to purchase hundreds of dollars in gift cards using the money from the fake checks. The victims are then asked to give the gift card numbers to their fake employer. By the time the victim’s bank notices the check is fake, the scammers have made off with the amount of the gift cards, while the victim is responsible for the amount of the fake check to their bank.

  Remember, no legitimate employer will ever ask you to deposit money into your bank account that is supposed to be used for business purposes.

  ***

  Our next scam comes to us from the Jacksonville, Florida-area. Reports there state that a police impersonation scam is ongoing there. In this particular police impersonation scam, the scammers are posing as U.S. Customs and Border Protection agents. The scammers tell their victims that a box of drugs intended for the victim was intercepted. In order to avoid arrest, the victims are asked to make some kind of payment.

  If you receive a phone call like this, it’s recommended not to give the caller any personal information before hanging up.

  Again, no law enforcement department or agency is going to call you and threaten you with arrest if you don’t make a payment to them.

  ***

  Lastly, we have another police impersonation scam, and it’s the most common one. What’s different about this scam is who the scammers are targeting.

  Reports out of the Pittsburgh, Pennsylvania-area are reporting an increase in the jury duty scam. This is where the scammers pose as local police and tell their victims they missed jury duty and a warrant is about to be issued for their arrest. Of course, a payment over the phone will make the warrant magically disappear.

  Like we said, this is hardly a new scam, but the scammers are specifically targeting school teachers in the Pittsburgh-area. The scammers have even been calling schools and are asking to be patched in to teachers while they’re teaching class.

  The report doesn’t say why scammers are targeting teachers, but if we had to hazard a guess, they’re targeting a profession where teachers usually have their hands full with what’s going on in the classroom and could be distracted easily by the scammers.

  When it comes to matters concerning jury duty, all communication is usually done through postal mail and not over the phone.

  ***

  These three scams can happen at anytime, anywhere in the country. Hopefully, we’ve armed you with enough knowledge to protect yourself.

  Scam Round Up: Homeless victim loses savings in scam and more | Greg's Corner is discussing. Toggle Comments

   
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  Geebo 8:00 am on May 3, 2022 Permalink | Reply
  Tags: check scam ( 79 ), employment ( 37 ), job scam ( 80 ), Scams, work from home ( 10 )   

  BBB warns of work from home job scam 

  

  By Greg Collier

  During the height of the pandemic, many jobs that had previously been done in offices were changed to work from home positions. To many, this showed that commuting to an office every day wasn’t necessarily needed for their jobs. When companies started calling their workers back to the office, many workers decided to find other work from home positions instead. While this can be seen as a positive for workers looking for more of a balance between their work and home lives, it’s also been a positive for scammers.

  Work from home scams are hardly new and even pre-date the internet. In the analog days, scammers would take out want ads in newspapers offering work at home jobs stuffing envelopes. Now, with our modern internet, work from home scams have become more prevalent and more dangerous. Then add to that the pandemic showed us the viability and legitimacy of work from home positions, work from home scams are experiencing a renaissance.

  With this, the Better Business Bureau is issuing a new warning about an old job scam. In this scam, the scammers will tell a victim that they found the victim’s resume online and want to hire them. The victim will then be instructed to move the conversation to a messaging app like Telegram. After a faux-interview over the messaging app, the victim is hired and is asked to sign a contract that asks for their name, address, and date of birth, along with their banking information. This leads to identity theft, but the damage doesn’t always end there.

  In some cases, the victims are sent checks and are told to deposit them in their bank accounts. They’re then instructed to use that money at a specific vendor to purchase office supplies, such as a laptop. Both the phony employer and phony vendor are in on the scam. Once the victim’s bank discovers the check is a fake, the victim will be held responsible for the amount of the check.

  With any job offer that you didn’t apply for personally, you should always research the company first. Use the company’s name along with the terms ‘scam’ or ‘review’ to see how other people have interacted with them. Be wary of any company that doesn’t perform interviews in some personable manner. If everything is done over text, email or messaging app, there’s a pretty good chance you’re being scammed. Lastly, no legitimate company will ever ask you to use your personal bank account to pay for company expenses.

   
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  Geebo 8:00 am on May 2, 2022 Permalink | Reply
  Tags: Scams, shut off scam ( 17 ), utility scam ( 31 ), Zelle ( 66 )   

  Why is Zelle being used in a shut-off scam important? 

  

  A few months ago, we published a blog post entitled ‘Will Zelle replace gift cards in online scams?‘ In that post, we wondered if the payment app Zelle would become the new currency of scams, replacing the old standard of gift cards. The reason we wondered this was not just because of the increased use of Zelle by scammers, but also because of the limited protection Zelle offers its users.

  Typically, when we post about a Zelle-related scam, it’s because a scammer used Zelle to empty a victim’s account while posing as their bank’s fraud department. You can read more about that scam here. However, we’re seeing Zelle being used more and more in other scams, where traditionally the scammers would demand payment in gift cards.

  For example, the shut-off scam is one that’s becoming increasingly popular among scammers. This is where a scammer will pose as a victim’s power company and threaten the victim over the phone with termination of service unless they make an immediate payment. Previously, these scammers would make the victim’s pay in gift cards, then Bitcoin ATMs became a popular avenue.

  Recently, a mother from Ohio fell victim to the shut-off scam. Instead of the scammer asking for payment in gift cards, they asked the victim to make a payment through Zelle. But the scammers didn’t get her to make just one payment. They got her to make four payments during one phone call.

  At first, they told her the Zelle payment didn’t go through, it did. Then they told her that Zelle only accepts whole dollar amounts and got her to make a second payment. She was then told to use a code when making the payment. Again, they told her the payment didn’t go through when it had. Lastly, they informed her that the code must have been entered wrong and instructed her to enter the code in all caps, marking the fourth payment. By this time, her account was drained.

  In previous instances like this, many of the banks that offer Zelle, throw up their hands and say that since the victim authorized the payment, it’s out of their hands. The consortium of banks who own Zelle could easily offer better protections for Zelle users, but choose not to.

  Much like other payment apps such as Cash App and Venmo, Zelle is only supposed to be used between friends and family. Unless you know someone personally, you shouldn’t pay them through Zelle. No legitimate company will ever ask you to pay bills through Zelle. Also, please keep in mind that no power company is going to threaten you over the phone with a termination of service. Instead, you would receive a warning in the mail before the service is turned off.