How are robocallers getting your phone number?

How are robocallers getting your phone number? By Andrew Rayo Does it ever feel like you're getting more robocalls than calls from actual humans?  Illegal robocalls aren't just annoying — they're also often scams. But you might be wondering — how did they get my number in the first place? Read more ->  https://consumer.ftc.gov/consumer-alerts/2023/12/how-are-robocallers-getting-your-phone-number How are robocallers getting your phone number?

Have you been getting scammy text messages? How to deal with them!

Have you been getting scammy text messages? By Ari Lazarus If you get tons of scam text messages, you're not alone. Lots of people have been reporting to the FTC that they're getting texts from scammers impersonating people and organizations you know and trust — like your bank or companies like Amazon.  An analysis of consumer reports reveals the top text scams from 2022. So, what are they? And how do you avoid them? Read more -> https://consumer.ftc.gov/consumer-alerts/2023/05/have-you-been-getting-scammy-text-messages

Have you been getting scammy text messages? How to deal with them! 

Scammers use AI to enhance their family emergency schemes

Scammers use AI to enhance their family emergency schemes By Alvaro Puig You get a call. There's a panicked voice on the line. It's your grandson. He says he's in deep trouble — he wrecked the car and landed in jail. But you can help by sending money.  You take a deep breath and think. You've heard about grandparent scams. But darn, it sounds just like him. How could it be a scam? Voice cloning, that's how. Read more ->  https://consumer.ftc.gov/consumer-alerts/2023/03/scammers-use-ai-enhance-their-family-emergency-schemes

Scammers use AI to enhance their family emergency schemes

Elderly are targets of scammers, be aware!

"My 78-year-old mother-in-law handed an envelope containing $25,000 cash to a Florida Lyft driver who showed up one morning on her doorstep during the early days of the pandemic.

The cash was intended to bail out her beloved nephew from jail, where he sat after crashing into a pregnant woman and killing her. Or so my mother-in-law was told by the man on the phone who pretended to be her nephew’s lawyer. The man instructed her to tell no one or he would rot in jail. On two consecutive days, she made large cash withdrawals at her bank and the “lawyer” sent the Lyft driver to collect the loot.

But there was no accident and no jail stint. My mother-in-law, reacting with her heart and not her head, was too scared to call her nephew or other family members to verify the tale. Days later, she mentioned to my husband that she had bailed the nephew out of jail — with no idea that she had been scammed.

That was my family’s introduction to the pernicious crimes that strip senior citizens of their money and dignity. It also served as a wake-up call for my husband. He drafted a strategy to better protect her, which included overseeing her finances."

Continue reading the article online (subscription maybe required) ->

https://www.washingtonpost.com/opinions/2023/02/08/elderly-scams-protections-targets-finances/

For additional info on how to avoid scams, visit the FTC page ->    https://consumer.ftc.gov/scams

(Tara Anand for The Washington Post)

IRS continues with Dirty Dozen this week

The Internal Revenue Service today kicked off the week with the 5th item on its 2022 annual Dirty Dozen scams warning list, with a sad reminder that criminals still use the COVID-19 pandemic to steal people's money and identity with bogus emails, social media posts and unexpected phone calls, among other things.

These scams can take a variety of forms, including using unemployment information and fake job offers to steal money and information from people. All of these efforts can lead to sensitive personal information being stolen, with scammers using this to try filing a fraudulent tax return as well as harming victims in other ways.

"Scammers continue using the pandemic as a device to scare or confuse potential victims into handing over their hard-earned money or personal information," said IRS Commissioner Chuck Rettig. "I urge everyone to be leery of suspicious calls, texts and emails promising benefits that don't exist."

The IRS has compiled the annual Dirty Dozen list for more than 20 years as a way of alerting taxpayers and the tax professional community about scams and schemes. The list is not a legal document or a literal listing of agency enforcement priorities. It is designed to raise awareness among a variety of audiences that may not always be aware of developments involving tax administration.

"Caution and awareness are our best lines of defense against these criminals," Rettig added. "Everyone should verify information on a trusted government website, such as IRS.gov."

A common scam the IRS continues to see during this period involves using crises that affect all or most people in the nation, such as the COVID-19 pandemic. Some of the scams for which people should continue to be on the lookout include:

Economic Impact Payment and tax refund scams: Identity thieves who try to use Economic Impact Payments (EIPs), also known as stimulus payments, are a continuing threat to individuals. Similar to tax refund scams, taxpayers should watch out for these tell-tale signs of a scam:

Any text messages, random incoming phone calls or emails inquiring about bank account information, requesting recipients to click a link or verify data should be considered suspicious and deleted without opening. This includes not just stimulus payments, but tax refunds and other common issues.

Remember, the IRS won't initiate contact by phone, email, text or social media asking for Social Security numbers or other personal or financial information related to Economic Impact Payments. Also be alert to mailbox theft. Routinely check your mail and report suspected mail losses to postal inspectors.

Reminder: The IRS has issued all Economic Impact Payments. Most eligible people already received their stimulus payments. People who are missing a stimulus payment or got less than the full amount may be eligible to claim a Recovery Rebate Credit on their 2020 or 2021 federal tax return. Taxpayers should remember that the IRS website, IRS.gov, is the agency's official website for information on payments, refunds and other tax information.

Unemployment fraud leading to inaccurate taxpayer 1099-Gs: Because of the pandemic, many taxpayers lost their jobs and received unemployment compensation from their state. However, scammers also took advantage of the pandemic by filing fraudulent claims for unemployment compensation using stolen personal information of individuals who had not filed claims. Payments made on these fraudulent claims went to the identity thieves.

Taxpayers should also be on the lookout for a Form 1099-G reporting unemployment compensation they didn't receive. For people in this situation, the IRS urges them to contact their appropriate state agency for a corrected form. If a corrected form cannot be obtained so that a taxpayer can file a timely tax return, taxpayers should complete their return claiming only the unemployment compensation and other income they actually received. See Identity Theft and Unemployment Benefits for tax details and DOL.gov/fraud for state-by-state reporting information.

Fake employment offers posted on social media: There have been many reports of fake job postings on social media. The pandemic created many newly unemployed people eager to seek new employment. These fake posts entice their victims to provide their personal financial information. This creates added tax risk for people because this information in turn can be used to file a fraudulent tax return for a fraudulent refund or used in some other criminal endeavor.

Fake charities that steal your money: Bogus charities are always a problem. They tend to be a bigger threat when there is a national crisis like the pandemic.

Taxpayers who give money or goods to a charity may be able to claim a deduction on their federal tax return. Taxpayers must donate to a qualified charity to get a deduction. To check the status of a charity, use the IRS Tax Exempt Organization Search tool.

Here are some tips to remember about fake charity scams:

• Individuals should never let any caller pressure them. A legitimate charity will be happy to get a donation at any time, so there's no rush. Donors are encouraged to take time to do the research.

• Potential donors should ask the fundraiser for the charity's exact name, web address and mailing address, so it can be confirmed later. Some dishonest telemarketers use names that sound like large well-known charities to confuse people.

• Be careful how a donation is paid. Donors should not work with charities that ask them to pay by giving numbers from a gift card or by wiring money. That's how scammers ask people to pay. It's safest to pay by credit card or check — and only after having done some research on the charity.

For more information about avoiding fake charities, visit the Federal Trade Commission website

Shared from the IRS -> https://www.irs.gov/newsroom/irs-continues-with-dirty-dozen-this-week-urging-taxpayers-to-continue-watching-out-for-pandemic-related-scams-including-theft-of-benefits-and-bogus-social-media-posts

IRS continues with Dirty Dozen this week

Did you get a text from your own number? That’s a scam

Did you get a text from your own number? That's a scam By Andrew Rayo Scammers are always thinking up ways to put a new spin on their criminal tricks. This time, they're sending spam texts to you — from your own phone number. They've changed (spoofed) the caller ID to look like they're messaging you from your number, but the shock of getting a text from yourself is bound to get your attention — which is what they're after. Read More ->  https://consumer.ftc.gov/consumer-alerts/2022/04/did-you-get-text-your-own-number-thats-scam

Did you get a text from your own number? That’s a scam

FTC Kicks Off National Consumer Protection Week this Sunday, March 6

The Federal Trade Commission (FTC) will launch the annual National Consumer Protection Week (NCPW) this Sunday, March 6. 

Joined by other federal, state, and local agencies, consumer and national advocacy organizations, the FTC will spend March 6-12 sharing information with Americans on how they can avoid scams, identity theft, and other consumer protection issues.

To support these efforts, the FTC and its partners have organized a series of programming ranging from webinars to Twitter chats and livestreams. Topics of interest include college students and cryptocurrency scams, financial caregiving, and how to recover from fraud.

For more about events coming up this week -> https://www.ftc.gov/news-events/press-releases/2022/03/ftc-kicks-national-consumer-protection-week-sunday-march-6?utm_source=govdelivery 

FTC Kicks Off National Consumer Protection Week this Sunday, March 6

Conned on social media? It’s not just you

Conned on social media? It's not just you by Rosario Méndez Division of Consumer and Business Education, FTC In 2021, more than 95,000 people told the FTC that they'd been scammed with a con that started on social media. Today's Data Spotlight gives us insights into how scammers use social media to con people. Read more >  https://www.consumer.ftc.gov/blog/2022/01/conned-social-media-its-not-just-you?utm_source=govdelivery

If you see or experience scam on social media, report it to ReportFraud.ftc.gov

Avoiding a money mule scam

Avoiding a money mule scam by Bridget Small, Consumer Education Specialist, FTC Scammers are looking for people to help them move stolen money. They visit dating, job search, and other sites, tell fake stories, and make up reasons to send you money. Then they tell you to send the money to someone else.  If you help a scammer move stolen money — even if you didn't know it was stolen — you could get into legal trouble. Read more ->  https://www.consumer.ftc.gov/blog/2021/12/avoiding-money-mule-scam?utm_source=govdelivery Avoiding a money mule scam

Phone scams keep calling

"A Globe colleague recently got two unsettling calls on his mobile phone from the same “888″ number.

He received the first call a couple of weeks ago from someone who said he was from Eversource (spoiler alert: he wasn’t) and that the electricity to his house would be turned off in “40 to 45 minutes” because his account was overdue.

“Are you really from Eversource?” my colleague asked, more a statement than a question.

The caller quickly hung up."

Continue reading the article online (subscription may be required) 

https://www.bostonglobe.com/2021/03/28/business/phone-scams-keep-coming-here-are-tips-how-avoid-them/

Additional information from the Federal Trade Commission can be found here

https://www.consumer.ftc.gov/taxonomy/term/874

A person uses a credit card for a phone purchase.ADOBE STOCK

Inspector General Announces 2nd National “Slam the Scam” Day

"The Inspector General for the Social Security Administration (SSA), Gail S. Ennis, is designating Thursday, March 4, 2021 as the second annual National “Slam the Scam” Day, to raise public awareness of government imposter telephone scams, which continue to spread across the United States. This is part of National Consumer Protection Week, February 28 – March 6.

Last year, we received over 718,000 reports of Social Security-related telephone scams—with a total of $44.8 million reported lost. Victims who lost money reported an average loss of $5,800. On National “Slam the Scam” Day, we will work to spread the word far and wide about these scams—and encourage people to warn their friends and family to just Hang Up!"

Continue reading about "Slam the SCAM day ->

https://blog.ssa.gov/inspector-general-announces-2nd-national-slam-the-scam-day/

Inspector General Announces 2nd National “Slam the Scam” Day

Naked Security Live: "Watch out for Messenger scams!"

"IM and social media accounts feel less open to spammers and scammers than email - until a crook gets into a friend's account and sends from there..."

Direct video link = https://youtu.be/IzUZ6rBpOso

 

How You Can Protect Yourself from Hackers and Scammers

Protect Yourself from Hackers and Scammers Hackers try to exploit vulnerabilities in your computer or phone. To steal your personal information, they trick you into downloading malicious software to your device so they can take control. And scammers try to get you to let your guard down by making up a story to get your money or information. But there's plenty you can do to protect your personal information and your wallet. Protect the Devices You Connect to the Internet Take steps to protect your computer from malware like viruses and spyware. And find out how to protect your personal information before you get rid of an old computer. Find out how to protect the data on your phone and how to erase that information before you get rid of your phone. Learn what you can do to keep your voice assistant private and secure. Know How to Avoid a Scam If someone says you must pay by wiring money through Western Union or MoneyGram, by putting money on a gift card and then giving them the number on the back, or with cryptocurrency, it's a scam. Learn how to recognize and avoid common scams you might see in your inbox, on your phone, or online. Scammers send phishing emails and phishing text messages to try to steal your personal information. They may demand you pay a ransom by Bitcoin or say they have info about a FedEx package delivery for you. Romance scammers create fake profiles on dating apps or social media sites to trick you into sending money. Tech support scammers want you to pay them to fix a non-existent computer problem. Report Scammers If you spot a scam — or something you think is a scam — reporting it can help the FTC protect you and your community. Report it at ReportFraud.ftc.gov.

Have you gotten a collection call about a debt you don’t recognize?

Have you gotten a collection call about a debt you don't recognize? by Ari Lazarus, Consumer Education Specialist, FTC Nobody likes getting debt collection calls. But have you ever gotten one for a debt you already paid — or you know isn't yours? Or have you been threatened and harassed by a debt collector until you paid up? If so, we want you to know how to protect yourself. Read more https://www.consumer.ftc.gov/blog/2020/09/have-you-gotten-collection-call-about-debt-you-dont-recognize  This is a free service provided by the Federal Trade Commission.

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FTC Consumer Alert: How can you spot a tech support scam

How can you spot a tech support scam by Traci Armani, Consumer Education Specialist, Division of Consumer & Business Education Are you getting pop-up warning messages on your computer screen? Or maybe a phone call that your computer has a virus?  That may well be a tech support scam. But how do you know? And what do you do? Read more > https://www.consumer.ftc.gov/blog/2020/09/how-can-you-spot-tech-support-scam?utm_source=govdelivery This is a free service provided by the Federal Trade Commission.

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FTC Consumer Alert: A real or fake savings club?

A real or fake savings club? by Karen Hobbs, Assistant Director, Division of Consumer and Business Education, FTC Imitation is the greatest form of flattery. It's also the greatest form of "scammery." That's why scammers are imitating a type of informal savings club known as a "sou sou" or "susu" to trick people into joining what amounts to an illegal pyramid scheme. Read more https://www.consumer.ftc.gov/blog/2020/08/real-or-fake-savings-club? This is a free service provided by the Federal Trade Commission.

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1, 2, 3 videos to help you stop unwanted calls

1, 2, 3 videos to help you stop unwanted calls by Jabari Cook - Intern, Division of Consumer & Business Education, FTC It can be frustrating to deal with a bunch of unwanted calls. If you answer them, you might hear a recorded message of someone trying to sell you something. Or it could be a real person hoping to scare you into paying a debt you don't owe.These kinds of unwanted calls are often scams. Taking steps to stop them can help save you time and unnecessary stress — and maybe some money, too. Read more https://www.consumer.ftc.gov/blog/2020/08/1-2-3-videos-help-you-stop-unwanted-calls? This is a free service provided by the Federal Trade Commission.

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Video shows how scammers tell you to pay

Video shows how scammers tell you to pay by Sachit Gali Intern, Division of Consumer & Business Education, FTC Scammers make up all kinds of stories to get your money, from telling you that you've won a prize, you owe a debt, or your family member is in an emergency. But some things stay the same: scammers want your money, they want it fast, and don't want you to be able to get it back. They'll ask you to pay in ways that make it hard to track them down — and once you know what these are, you'll have one more clue to tell if you're dealing with a scammer. Read more https://www.consumer.ftc.gov/blog/2020/08/video-shows-how-scammers-tell-you-pay? This is a free service provided by the Federal Trade Commission.

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https://youtu.be/PbiXbIHsTqU

FTC Alert: Utility company calling? Don’t fall for it.

Utility company calling? Don't fall for it. by Jim Kreidler, Consumer Education Specialist, FTC Every day, millions of people who have lost their jobs are making difficult choices about how to pay their bills. As the Coronavirus continues to spread, scammers are taking advantage of people's heightened economic anxiety.  Their latest ploy is posing as representatives from utility companies to dupe people out of their cash and personal information by convincing them their utilities will be shut off if they don't pay. Read more https://www.consumer.ftc.gov/blog/2020/07/utility-company-calling-dont-fall-it?utm_source=govdelivery This is a free service provided by the Federal Trade Commission.

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The FTC keeps attacking robocalls

The FTC keeps attacking robocalls by Lois Greisman, Associate Director, Division of Marketing Practices, FTC Have you noticed lately that you're getting fewer robocalls? Yes, way too many calls are still coming, and we're fully engaged on that issue. But we're seeing some promising developments. Some recent FTC actions might just have something to do with that. Read more  https://www.consumer.ftc.gov/blog/2020/04/ftc-keeps-attacking-robocalls  This is a free service provided by the Federal Trade Commission.

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