Category: ‘Phishing Scams’

Internet Auction Fraud: What You Need to Know

December 16, 2018 Posted by Pamela M

Auction Scams 

Auctions are exciting. They are a good source to find items at deeply discounted prices. You don’t have to go to the mall or fight traffic. Auctions are also rife with scams. The excitement of getting a good deal makes some people less cautious. That’s exactly what the scammers want.

Types of Auction Fraud

Fraud can occur on almost any auction site. This is especially true if the website is not responsible for delivering the item.

Examples of Auction Fraud:

  • Seller never sends the item
  • Item is not as advertised.
  • Item is damaged.
  • Seller sends an empty box or substitute item.
  • You are overcharged or double charged.
  • Wire transfer schemes mislead buyers by asking them to send money through a wire service. The wire service is fraudulent. Once the money is sent, the seller and the wire transfer are gone.
  • Second-chance schemes involve sellers contacting losing bidders to offer a second chance on an item. If the seller calls, use an app for unknown number look ups to get the caller’s information. Call them back on that number.
  • The buyer pays, but nothing is ever delivered.
  • Overpayment fraud. A seller posts a high price item. The buyer insists on buying the item immediately, often before the auction has begun. The buyer sends a check, money order or wire transfer in excess of the cost of the item. Seller is asked to deduct the amount owed and return the overpayment. The seller soon learns that the form of payment is counterfeit.

How to Avoid Being Scammed

Many auction sites are reputable and provide good service. Follow their rules and policies to prevent being scammed.

  • If a seller contacts you by phone, use an iPhone caller ID app to verify identity.
  • Understand how auctions work
  • Know your obligations as a buyer before you bid
  • Learn what can be done in case of fraud.
  • Ensure all items purchased are received.
  • Read feedback and reviews from the seller’s previous customers.
  • Search to find any possible information about the seller, including a review from the Better Business Bureau.
  • Use a form of safe payment such as a credit card or online account that protects buyers.
  • Know the seller’s exchange and return policies.
  • Beware of international sellers.
  • Ensure that all costs are included in the price.
  • Never give a driver’s license number, bank account number, or social security number.

If you should receive an item that isn’t as advertised, contact the seller. If the seller will not refund your money, notify the website immediately. File a dispute with your credit card company to avoid being charged. All online fraud should be reported to the Internet Crime Complaint Center (IC3).

Cancer Scams on the Rise

November 28, 2018 Posted by Pamela M

Watch out for cancer charity scams

 

Cancer is one of the leading causes of death worldwide. The American Cancer Society estimates that in 2018, there will be 1,735,350 people diagnosed with cancer; at the same time, 609,640 cancer-related deaths in the United States. The statistics suggest the most people know someone affected by cancer. Sadly, scammers take advantage of this fact and try to bilk unsuspecting people out of money in the name of cancer research or a related charity.

There are many reputable and honorable charities. However, scammers aren’t in that prestigious group. Rather, the scammers take the money you have given in good faith to use for their own purposes.

The “Good Guys?”

Regardless of popular belief, scams aren’t only perpetrated by individuals hiding in dark basements or Nigerian prisons. So-called legitimate companies often take part in aggressive telemarketing campaigns to collects funds. On the surface, these charities seem to be honest. If you dig deeper, you’ll find that it’s a front. In 2015, the Federal Trade Commission filed charges against four charities claiming to collect money to combat cancer. The representatives lied to potential donors to gain sympathy, and then they walked away with almost $200 million in donations. As a matter of fact, the CEOs use the money to buy luxury vacations and pay salaries to family members.

Detecting a Charity Phone Scam

It may be difficult to identify a false charity asking for money or an organization, although it is not impossible. Scammers often use fake identities and use a spoofed caller ID to hide their real phone numbers. There are five steps to  avoid becoming a victim of a charity phone scam:

  1. Ask for more information

Question the caller about the charity. Ask the representative for information about the organization. The caller should supply his full name, the charity’s legal name and address, and how donations are allocated. Scammers may be unable to give an appropriate answer, get defensive or hang up. Use an app for unknown number look ups to identify the phone number.

  1. Ensure the charity is legitimate

Do not donate at the time of the call. Research the organization online to verify its existence and credentials. Legitimate charities are registered with the state, and national organizations can be verified through the Better Business Bureau’s Wise Giving Alliance. If you have determined that the charity is legitimate you can call back or donate via their website. If you donate, be sure to get a receipt.

  1. Keep your information private

Never give out personal or financial information. Be suspicious if the caller asks you to issue a wire transfer, purchase a pre-loaded debit card or a similar means of payment.

  1. Don’t get emotional

Scammers will often play on your emotions. They may use guilt to get you to donate. Whenever a caller asks for a certain dollar amount, hang up.

  1. Refuse unsolicited requests

The best protection is to avoid answering unknown calls. If you think a call is a scam, call the FTC immediately.

Are You Being Spoofed?

August 30, 2018 Posted by Pamela M

As diligent as phone service carriers can be, scammers and telemarketing firms are even more so. They seem to stay ahead of the technology and the carriers just can’t keep up.  You may have noticed an increase in local calls to your phone, many of which are local numbers – or even numbers of neighbors, family and friends. Sadly, there isn’t much we can do about these calls except to ignore or block them. Registering on the National Do Not Call Registry or reporting calls may help, but I’ve read numerous accounts that the reports only generate more calls. Why is this happening?

find out who's calling you

Local Numbers

Voice Over Internet Protocol (VoIP) software allows any user to create an account and choose a local phone number. The caller uses that number for whatever business or scam he is perpetrating, knowing that people are more likely to answer local numbers. The unwanted caller bets that you will answer, wondering if it’s a call from a neighbor, doctor’s office, or your child’s school. The caller may also tap into the number of a friend or family member, ensuring that you will pick up. Once you answer, the caller goes into his prepared spiel, hoping to lure you into purchasing a product or sending money for some invented reason.

How To Recognize Scammers

Most people are familiar with email scams wherein someone reports an overseas crisis, an unexpected windfall, or other event that requires the recipient to send money. Fake lotteries and business opportunities make big promises that will never deliver. Even the savviest people fall for these scams because the scammers are trained to be convincing and persistent. One of the most recent scams is being called by a utility company or the IRS, demanding immediate payment or face jail time. This is especially scary to senior citizens who may be easily confused or not up to date on the latest scamming trends.

How to block a phone number

How To Make It Stop

There is no surefire way to make the calls stop. However, you can block calls on your iPhone using a caller ID app. If a call comes from a number you do not recognize, let the call go to voicemail. Most scammers or telemarketers will not leave a message. If you receive a message that sounds legit and important, you may call the number, but beware. Any calls received from the utility company or the IRS demanding payment are most likely fraud. The IRS never calls people on the phone; they send letters. If a utility company calls, get the name and extension of the person calling as well as a call back number that you can use to verify the information. Also check the claim against any outstanding bills. If you do suspect fraud, report the call immediately to the police.

Lastly, limit the number of things you sign up for online. The more you use your phone number, the more likely you are to receive calls. You may also consider getting a masked number from Google voice or another company to separate your personal calls from potential fraudsters.

 

Kidnapping Phone Scams: What You Need To Know

October 25, 2017 Posted by communicator

There’s a scary phone scam out there that tries to convince you that a loved one has been kidnapped by criminals. All across the United States there have been reports of scammers calling people and telling them that their family members are in grave danger. Find out how to spot this scam, how to avoid and report it, and how you can trace unknown calls.

How The Kidnapping Phone Scam Works

You’ll receive a call from someone claiming to have your family member and demanding that you send them money as ransom. You may even hear screams or crying in the background of the call. This is all designed to make you panic.

The calls often come from Mexico and they find family names and phone numbers on social media. Using this information they will demand that you wire them large amounts of money.

How To Avoid This Scam

This scam is scary and requires quick thinking. If you get a call from someone saying they have your loved one ask something personal. Make sure it’s something only the person they say they have would know. Additionally, while on the phone with the caller send a text out to the person they say they have, or find someone to call the person they say is in danger.

If you verify that the caller is a scammer immediately hang up and call your local police. It’s important that you report this type of call as soon as possible. Scammers are likely targeting other people in your community.

Another thing which you can do to protect yourself and your family is to set your social media to private. Only share information with people you know and trust online. Most of the time these callers get their information from online social media platforms, like Facebook, Twitter, and Instagram.

Trace Unknown Calls

You should always try to avoid answering unknown phone calls. To help you with this look into using a white pages iPhone caller id app on your smart phone. Not only will apps like these help you cut down on the amount of unwanted calls you receive, they could also save you from being a scam victim.