Posts Tagged: ‘Scam’

Scam of the day – May 12, 2013 – Bank text message scam

May 12, 2013 Posted by Steven Weisman, Esq.

Everyone texts including scammers and identity thieves.  A recent text message scam that has resurfaced involves a text message from “Credit Card Services Alert” and it informs you that your debit card has been deactivated.  The text message provides you with a telephone number to contact.  If you respond by calling the number, you will reach an automated service informing you that you have reached the card activation center.  It then asks you for you credit card number, expiration date and security code.  Anyone providing this information is sure to become a victim of identity theft.  Your bank or credit card issuer will not contact you in regard to problems by a text message so if you do receive such a text message, you should immediately delete it.

TIPS

Whenever you receive a text message, email, letter or telephone call, you can never be sure of who is communicating with you.  If you have even the slightest thought that the message may be real, you should not respond to the text, email, or caller directly, but rather contact the bank or other organization that they pretend to represent at a telephone number that you know is accurate in order to inquire about the legitimacy of the communication, whereupon you will promptly be informed that it was a scam.  Remember, texts and email messages or phone calls can appear to come from legitimate companies, but that does not mean that it is not a fake.  I received a very real looking email message about a problem with my bank account, however, there was only one problem.  I didn’t have an account at that bank so I merely deleted the email.  You should too.

Scam of the day – May 7, 2013 – Ransomware update

May 7, 2013 Posted by Steven Weisman, Esq.

I have previously warned you about this type of  scam on December 3, 2012, January 19, 2013 and as recently as March 26, 2013, but today’s update is because now it is personal.  When I went to turn on my computer today I was locked out and a Ransomware scam was facing me on my computer.  Ransomware scams occur when you find that you are unable to use your computer and you receive an email message or a notice on your screen, as I received, indicating that your use of your computer has been frozen due to illegal activity being detected on your computer.  A common variation of this scam being done now purports to be from the Department of Homeland Security and its National Cyber Security Division.  The version I got purported to be from the FBI.  Even scarier was the fact that it had control of my computer camera and a photograph of me appeared at the top of the phony notice.   In the notice I was told that I needed to pay a fine before my computer would be unfrozen and I would be able to have access to it again.  In fact, the freezing of my computer has not been done by the Department of Homeland Security, the FBI or any other governmental agency.  It was done by a scammer who installed malware on my computer either through a tainted website, download or link that I had gone to  It is for this reason, that I am always reminding you never to click on links and download attachments unless you are absolutely positive that they are legitimate.  And even though I follow my own advice, somewhere I got caught.

TIPS

The best way to deal with ransomware is to avoid it in the first place.  Maintain a good firewall on your computer and install and maintain up-to-date security software.  Also, never click on links or download attachments unless you are absolutely sure that they are legitimate.  Even if the link or download is in an email or a Facebook posting that appears to come from a friend of yours, their account may have been hacked and the communication may be from a scammer.  Never pay a ransom to regain control of your computer.  There is no guarantee that the criminal who froze your computer will let you off the hook.  Rather, have a computer professional go through your computer to find the source of the problem and resolve it.  It is also important to remember that no legitimate agency will freeze your computer and make you pay a fine to unfreeze it.  In my case, my security software was not able to stop the malware from initially freezing my computer, but when, through the use of free software from Malwarebytes, I was unable to unfreeze my computer, I was able to do a security scan and find that my security software had stopped the keystroke logging malware that the scammer had attempted to download to my computer.  Had I not had such software, my computer’s information would have been at the mercy of the scammer.

If you are a victim of ransomware, here are a couple of free links that can help you.   The first  is a link to Microsoft’s Malware Protection Center with links and instructions for removing ransomware infections from your computer: http://www.microsoft.com/security/portal/shared/ransomware.aspx#recover.  The second is to Malwarebytes Anti-Malware which will detect and remove malware such as trojans and spyware.  This was what I used to get rid of the malware freezing my computer.  The link is www.malwarebytes.org.  It is free although there is also an updated version, which I use.

Scam of the day – May 3, 2013 – New gift card scam

May 3, 2013 Posted by Steven Weisman, Esq.

The United States Postal Service has recently uncovered a new gift card scam involving gift cards.  Advertisements in legitimate newspapers and websites have been appearing promising a $500 gas gift card in return for a payment of only $79.95.  Unfortunately, when the victim sends his money for the card, they do not receive the promised gift card, but do receive instructions on how to operate the very scam of which they just became a victim and get others to send money and get nothing in return.

TIPS

Anything that appears to good to be true usually is.   Even if an advertisement appears in a legitimate newspaper or website, that does not mean that the advertisement is legitimate or that the newspaper or website has made any attempt to confirm that the advertisement is legitimate.  Another easy way to identify a potential scam is to Google the name of the person or company along with the word “scam” and see what comes up.  You can also check with your local District Attorney or your state Attorney General if you have doubts as to whether a particular offer might be a scam, but ultimately you should always be skeptical of getting something for far less than it is worth.

Scam of the day – May 2, 2013 – Craigslist scam update

May 2, 2013 Posted by Steven Weisman, Esq.

Often I will remind you about particular types of scams I have mentioned before because they continue to victimize many people.  Earlier this week a Pennsylvania man became a victim of a common Craigslist scam when he put an ad on Craigslist to sell a piece of furniture for $350.  He was contacted by someone who sent him a check for $1,350 and asked the seller to merely deposit the check, deduct the $350 and send the rest back to the buyer by way of a money order.  The check looked legitimate so the seller deposited it and sent the difference back to the buyer.  Unfortunately, the check was a forgery so the seller lost the money he sent to the scam artist posing as a buyer.  Often in these circumstances the check will appear to be a bank check or a certified check, but it is just a forgery.  Other times, the sellers will think they are being prudent by waiting a few days for the check to clear only to learn later that it can take weeks for a check to fully clear and the provisional credit that they are given by the bank after a few days does not mean that the check was not a forgery because once it is recognized as a forgery, the provisional credit is taken away by the bank and the victim is left with a reduced bank account.

TIPS

Whenever you are paid for something that you are selling by a check for more than the amount that is due and that payment comes with a request for you to send the difference back to the buyer, you should consider this a sign that this is a  scam.  Also, anytime you are paid by a check you should wait for the check to fully clear before turning over the sold goods.  Even if the check appears to be a bank check or a certified check, it may well be a forgery so you should contact your bank to make sure that the check has fully cleared before you consider the payment to have been made.  Regardless of the excuse that may be given to you as to the reason for payment by way of a check for more than what is owed, you should be suspicious.  Finally, always be wary when someone requires you to send payment by Western Union or wired from your bank because once those payments have been made, it is impossible to get the money back.

 

Scam of the day – April 27, 2013 – Do Not Call list scam

April 27, 2013 Posted by Steven Weisman, Esq.

The federal Do Not Call Registry was created in 2003 and permits people to register their landline or cell phone number on a list of telephone numbers that telemarketers are not permitted to call.  For many of us who have found telemarketing calls to be a great nuisance, this was a great development although there are a few things to keep in mind.  Although legitimate telemarketers by and large honor the list, phony telemarketers may still call you.  If you receive a call from a telemarketer after registering your telephone number, you should therefore be particularly skeptical of the caller and hang up immediately.    The Do Not Call Registry also does not ban calls to you on behalf of political candidates, who may be seeking contributions or from charities seeking donations.  In either case, it is dangerous to respond to a solicitation on behalf of a candidate or a charity on the phone because you can never be sure that the person on the other end of the line is who they say they are.  If you are inclined to contribute either to a candidate or a charity that calls you, I suggest that you hang up and send your contribution to an address for the candidate or charity that you know is accurate and legitimate.  Recently a new Do Not Call Registry scam has been going on around the country by which you receive a call from someone who tells you that he is with the Federal Trade Commission, the federal agency that sponsors the Do Not Call list.  You are told that you need to either confirm information to remain on the list or that you need to renew your registration.  Both of these claims are false.  You do not need to confirm information or renew your registration in order to remain on the Do Not Call List.  Do not give any information to anyone who says this to you because the information can be used to make you a victim of identity theft.

TIPS

Trust me, you can’t trust anyone.  Phone calls from scammers and identity thieves can be very convincing.  You can never be sure when you receive a phone call as to the true identity as to the person on the other end of the line.  Even if you have caller ID, the criminals can “spoof” the phone number and their identity so it appears that they are legitimate.  You can’t trust your caller ID.  Never give personal information to anyone who calls you on the phone unless you are absolutely sure that the call is legitimate.  The better course of action is to call the company or agency they purport to be at a number that you know is correct so you can confirm if the call is legitimate.

Scam of the day – April 26, 2013 – Latest Apple Safari 6.0.4 updates

April 26, 2013 Posted by Steven Weisman, Esq.

I make it a practice to constantly keep you advised about the latest security patches issued by computer software companies.  Identity thieves and scammers are constantly discovering and exploiting vulnerabilities in the software that we all use in order to make us victims of identity theft or other scams.  Software companies are just as constantly trying to keep up with these threats by developing security patches.  Unfortunately, many people do not keep their computer software up to date with the latest security patches and this makes them particularly vulnerable to becoming a scam or identity theft victim.  Apple the maker of the Safari browser has issued a new security alert and patch for its latest Safari 6.0.4 software and you should download it and install it immediately if you use this browser.

TIPS

The link for accessing the new Apple Safari security updates is http://support.apple.com/kb/HT5701

Scam of the day – April 21, 2013 – The latest Nigerian email scam

April 21, 2013 Posted by Steven Weisman, Esq.

We are all familiar with the variations of the Nigerian letter scam which has been with us for years and, in fact, owes its origin to a similar scam that was being done in the 1500s when it was called the Spanish Prisoner Scam.  Generally, the scam starts with an email informing the recipient that he or she will be receiving a huge amount of money for reasons ranging from an inheritance to a bank official needing help getting money out of the country.  Other reasons are given as well.  Then the fun starts.  While at first, the recipient of the email has to do nothing to qualify to receive the money, later it appears that complications arise which require money to pay for processing, fees, bribes of public officials or other reasons.  The victim of the scam gets caught up in the scam and starts sending funds for the various needs, but ends up never getting a penny.

Recently a Scamicide reader sent a new Nigerian letter that may be the most absurd one yet.  It is reproduced below:

 

“From: info@orange.pl
Subject: Delivery Of Fund To Your Location..
Date: Thu, 18 Apr 2013 19:21:33 -0400

(American Citizens Services)

Embassy of the United States of America

Plot 1075 Diplomatic Drive

Central District Area, Abuja.

Fax: (+234)-706-446-4861

E-mail: aterencep.mcculley@yahoo.com

Secretary Contact E-mail (aterencep.mcculley@yahoo.com )

Secretary Contact phone number +2347064464861

Dear Friend

THIS IS AMBASSADOR TERENCE P. MCCULLEY. UNITED STATE OF AMERICA AMBASSADOR TO NIGERIA. I SHALL BE COMING TO YOUR COUNTRY FOR AN OFFICIAL MEETING ON TUESDAY AND I WILL BE BRINGING YOUR FUNDS THROUGH AN ATM MASTER CARD OF $15M ALONG WITH ME BUT THIS TIME I WILL NOT GO THROUGH CUSTOMS BECAUSE AS AN AMBASSADOR TO NIGERIA, I AM A US GOVERNMENT AGENT AND I HAVE THE VETO POWER TO GO THROUGH CUSTOMS. AS SOON AS I AM THROUGH WITH THE MEETING I SHALL THEN PROCEED TO YOUR ADDRESS. (SEND YOUR CELL PHONE NUMBER AND THE ADDRESS WHERE YOU WANT ME TO BRING THE PACKAGE).

YOU HAVE REALLY PAID SO MUCH IN THIS DELIVERY THAT MAKES ME WONDER. YOU ARE A VERY LUCKY PERSON BECAUSE I SHALL BE BRINGING IT MYSELF AND THERE IS NOTHING ANYONE CAN DO ABOUT IT. CHECK HERE: http://nigeria.usembassy.gov/biography.html .PRIVATE E-MAIL: aterencep.mcculley@yahoo.com

THERE IS ABSOLUTELY GOING TO BE GREAT DOUBT AND DISTRUST IN YOUR HEART IN RESPECT TO THIS EMAIL COUPLED WITH THE FACT THAT SO MANY MISCREANTS AND IMPOSTERS(SCAMMERS) HAVE TAKEN POSSESSION OF THE INTERNET TO FACILITATE THEIR NEFARIOUS DEEDS, THEREBY MAKING IT EXTREMELY DIFFICULT FOR GENUINE AND LEGITMATE BUSINESS CLASS PERSONS TO GET ATTENTION AND RECONGNITION

YOUR PACKAGE($15M) MUST BE REGISTERED AS AN AMBASSADORIAL PACKAGE FOR ME TO DEFEAT ALL ODDS AND THE COST OF REGISTERING IT IS $170.THE FEE MUST BE PAID IN THE NEXT 50 HOURS VIA WESTERN UNION SO THAT ALL NECESSARY ARRANGEMENT CAN BE MADE BEFORE TIME WILL BE AGAINST US.

YOU SHOULD SEND THE FEE DIRECTLY TO THE CARGO REGISTRATION OFFICER

WITH THE INFO BELOW-

RECEIVER’S NAME: AGAWA PHILIP

ADDRESS: NIGERIA

TEXT QUESTION: GOD BLESSES?

ANSWER: AMERICA

AMOUNT $170

SENDERS NAME:

SENDERS ADDRESS:

AS SOON AS YOU SEND THE FEE MAKE SURE YOU SEND ME THE PAYMENT INFORMATION. MY FLIGHT IS TUESDAY AND I EXPECT YOU TO COMPLY BEFORE THEN SO THAT THE DELIVERY CAN BE COMPLETED. IF YOU DO NOT COMPLY, THEN IT WILL NOT BE MY FAULT IF YOU DO NOT RECEIVE YOUR PACKAGE.

SIGN

HIS EXCELLENCY TERENCE P. MCCULLEY.

US AMBASSADOR TO NIGERIA

TELEPHONE NUMBER

CHECK HERE VIEW MY DATA: http://nigeria.usembassy.gov/biography.html”

TIPS

An unsympathetic person might look at that email and say that anyone who would fall for this deserves to lose their money, but no one deserves to be conned.  The email does bring up the message, however, that we should all be careful not to be blinded by our own greed.  Greed and a desire for easy money are two very common traits that enable scams to be successful.  Although it should be obvious, you should ask yourself whenever you get an email that promises money for nothing (not  to mention, chicks for free) why are you so lucky?  What is it about you that resulted in your being singled out to be eligible for this great investment opportunity, lottery or other windfall.  The answer is nothing and that is what you will end up with if you respond in any manner to the senders of emails such as this.

The old adage is still true.  A fool and his money are soon parted.  However, it is also true that many smart people are also scammed so it takes a great deal of vigilance to protect oneself from being scammed and that is the reason for Scamicide and the books that I write.  I urge you to consider buying “50 Ways to Protect Your Identity in a Digital Age” and “The Truth About Avoiding Scams” to help inform yourself of the dangers out there.  And make sure to read www.scamicide.com each day to keep up with the latest scams and identity theft schemes.

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Scam of the day – April 11, 2013 – Latest Microsoft security updates

April 11, 2013 Posted by Steven Weisman, Esq.

I make it a point to regularly bring to your attention the latest security patches required to maintain the security of your computer and its software at the highest level.  Too often people are unaware of necessary updates.   Identity thieves and scammers exploit vulnerabilities in computers and software programs to enable them to access your data or otherwise make you a victim of identity theft or a scam.

TIPS

Here is a link to the lates Microsoft Security Bulletin Summary for April 2013 that identifies the latest security patches.  http://technet.microsoft.com/en-us/security/bulletin/ms13-apr

Scam of the day – April 8, 2013 – Mozilla Firefox updates

April 7, 2013 Posted by Steven Weisman, Esq.

It is very important to keep all of your software patched with the latest security patches to prevent scammers and identity thieves from exploiting vulnerabilities in your software.  Mozilla Firefox is an excellent web browser used by many people and recently it issued a security alert in regard to fixing security issues identified in the software.  Identity thieves and scammers are always taking advantage of people who neglect to promptly update their security software so it is critical if you use Mozilla Firefox that you update your software as soon as possible.

TIPS

Here is a link to the latest security bulletin from Mozilla Firefox with links that will enable you to download the security patches.

http://www.mozilla.org/security/known-vulnerabilities/firefox.html

I also invite you to check out the vast number of scams contained in the archives of scamicide.com which can be accessed directly from the bottom of the blog where it says “older entries.”

Scam of the day – April 2, 2013 – Craigslist home rental scam

April 1, 2013 Posted by Steven Weisman, Esq.

Craigslist is a popular place for people looking to rent a home or an apartment that can be very efficient and cost effective for landlords and tenants alike.  Unfortunately, it also is a very efficient way for scam artists to steal money from unwary people looking for a place to rent.  The scam usually starts with a real estate listing that looks very official and there is a good reason for that.  The listing is a real on line listing that has been copied by the scammer who merely puts in his or her name and contact information.  The price is usually very low which attracts a lot of potential tenants.  The potential tenants are usually told that the owner is out of the country and that there are many people interested in the property so if the tenant wants to be considered for renting it, the tenant has to wire money to the landlord somewhere outside of the country.  As I have warned you many times, wiring money is a scammers first choice because it is all but impossible to retrieve once you have found out that you have been scammed.  Too often, unwary potential tenants wire the money and never hear anything further from the scam landlord.  And as for the money, it is gone forever.

TIPS

There are a number of red flags to look for in Craigslist rental scams.  First, as always, if the price is too good to be true, it usually is just that – not true.  Also be wary of landlords who are out of the country and cannot meet with you in person.  Never pay a deposit or any other money to a landlord or his or her agent whom you do not meet in person and take you into the property.  Scammers won’t have keys.  You also can check out who really is the owner by going on line to the tax assessor’s office of the city or town where the property is located and look up who the real owner is.  If the names don’t match, it is a scam.  This is how I found out in time that a Craigslist real estate listing that my own son and daughter-in-law were considering was a scam.  You also can Google the address of the property.  If you find that it is being listed by legitimate real estate agencies for sale, this is a good indication that the listing was forged from one of the legitimate real estate agencies.  Taking a few careful steps can protect you from becoming a victim of this scam.