ANTI-ROBOCALL BILL

Finally, an Anti-Robocall Bill

As we celebrate the New Year, we can add another thing that is cause for celebration. Last Thursday, lawmakers passed the Anti-Robocall Bill!  It now awaits the President’s signature to become law.

“The U.S. Senate today sent Americans a holiday gift on everyone’s list: stopping the plague of robocalls,” said Sen. Ed Markey, a Massachusetts Democrat who introduced the legislation with Sen. John Thune, a South Dakota Republican.

All I can say is: Its About Time!!!

Americans received a staggering amount of robocalls in 2019. There were 49 billion calls placed. More robocalls have been placed in the first 10 months of 2019, than in all of 2018!

Anti-Robocall Bill

It’s been a five year battle to take back our phones from these incessant robocallers. The new law will hopefully put a larger dent in the number of calls received. It will decrease millions of ‘spoofed’ robocalls and crack down on spammers who intentionally violate the rules against calling us.

The organization, Consumer Reports (read more here) played a big role in the movement to make the Anti-Robocall Bill finally become a reality. They were instrumental in rallying millions of consumers to send emails, sign petitions, initiated letter writing campaigns and they even held a consumer lobby day.

Consumer Reports Anti-Robocalls Bills

GOOD NEWS & BAD NEWS

The Good News: The bill will make it easier for consumers to identity robocalls using a number-authentication system. The Bad News: It will still take awhile for the number of intrusive calls to decline.

The Anti-Robocall bill requires all telephone systems in the U.S implement a coordinated authentication methodology to improve the accuracy of the caller-ID displayed on our phones. In other words, the bill requires phone companies to offer free call-blocking apps that will verify that the number calling you is real. That’s been an issue, because fraudsters now use fake ‘spoofed’ numbers to look as though they’re coming from the IRS or others to trick you.

Robocaller
DON’T ANSWER IT! SEND IT TO VOICEMAIL

The Federal Communications Commission (FCC) said that phone companies can now block unwanted calls without getting customers’ permission first, which could help increase the use of phone-blocking apps. The agency has said it expected the deployment of a new phone-number system to begin this year. Many major phone companies have already begun rolling it out, but to work well, all carriers must adopt it.

The Anti-Robocall bill also strengthens enforcement tools against robocallers, by giving the FCC more opportunities to fine them. It also brings together different government agencies and state attorneys general to help combat the problem.

The phone industry trade group, USTelecom, applauded the bill’s passage, saying it “will supercharge” the fight against robocallers.

I have written prior articles about Robocalls that you can read here and another one here.  My advice is simple. Never believe what you see on your caller-ID, only answer calls from numbers you recognize, hang up on robocalls or let them go to voicemail.

Wishing a Happy 2020 to all my readers.

Holiday Shopping Safety

Tis the Season…to learn about Holiday Shopping Safety!

Scammers love this time of year, because there are many opportunities for them to separate you from your money. To be a smarter and safer consumer, you need to educate yourself, so you can avoid falling victim. Here are holiday shopping safety tips to help keep your holidays merry.

Holiday Shopping Safety

Spam Phishing Emails will be finding their way into your inbox. These emails have urgent messages or will contain offers for bargain prices or discount coupons. These spam emails will always include a clickable link or an attachment to open. If you click on the provided link or attachment, you will infect your device with Malware. It is advisable to never click on email links or attachments.

Package Delivery Scams are a Fraudster’s favorite trick. They know that most of you are either sending or expecting to receive a package during the holidays. Many millions of spam emails, pretending to be from known shippers (like the Post Office, FedEx or UPS) will be sent out to unsuspecting victims. The emails will include a link to click on that lets you “track” a problem with a package you recently mailed or “track” a package that’s on its way to your house.

E-cards are a fun, easy & inexpensive way to send holiday cheer to family and friends. Make sure any e-card you receive comes from a well-known reputable e-card company. Do NOT open it if the sender is unknown to you.  Many fake e-cards contain spyware and viruses.

Gift cards make popular holiday gifts. Be sure to only purchase them from official retail stores or websites that you know and trust. Beware of websites or ads offering steep discounts to buy their gift cards. Chances are the cards are fraudulent or stolen cards from third-party vendors.

Fake websites are set up all over the internet, that sell stuff that doesn’t even exist. They will offer fantastic bargains that are truly too good to be true. Also, beware of copy-cat websites that appear to be the real shopping site.  Some fake websites use similar or misspelled names of legitimate retailers. You may not realize that you’re on a fake website and enter your password or credit card information. You think you actually made a purchase, but your merchandise will never arrive and your credit card information gets sent straight to the criminal and will be used to make illegal purchases.

Fake online Ads will appear on social media sites and even on legitimate News websites. The ads exist to entice you to click on links that will ask you to provide personal information. If you see an Ad for something you like, instead of clicking on that Ad, go to the retailer’s website directly. If you don’t know the web address, use Google to search for it. The real legitimate website will be at the top of the Google results – about 99% of the time.

Public Wi-Fi is neither private nor secure. Never ever use public Wi-Fi to shop online. You can never be sure whether you’re using the authorized Wi-Fi of the retailer or actually the Wi-Fi of the thief, who is likely sitting a few tables away. When using public Wi-Fi, it is advisable to use a Virtual Private Network (VPN) for better online security.

Debit Cards should NEVER be used while shopping online. Your debit card is tied to the money in your checking account. You have better consumer fraud protections when using your credit card. Better yet, use a gift card or prepaid debit card for all of your online purchases.

STAY SAFE OUT THERE AND HAPPY HOLIDAYS TO YOU AND YOURS!

Here’s a good website to learn more about Shopping Safely Online

Here’s an article I wrote about Online Shopping

BEWARE OF CHARITY SCAMMERS

Beware of Charity Scammers

While natural disasters, such as Hurricane Dorian, bring out the best in people who want to help, unfortunately it also brings out charity scammers.  People with good intentions are moved to want to help the victims of a disaster, while charity scammers are moved to take full advantage of the abundance of good will.

Charity scammers exploit disasters by posing as fake charities. Instead of collecting money to help disaster victims, they keep the money for themselves.

So – How Do They Do It?

In the aftermath of most disasters, charity scammers are hard at work sending out unsolicited emails, text messages, snail mail solicitations, social media advertisements and even come knocking at your door asking for donations.

Disaster Relief Charity Scammers
Choose Your Charity Wisely!

You can never be sure whether the person contacting you is legitimate or not!

Charity scammers are also very adept at creating phony, but legitimate-looking websites that appear to be real charities. They choose names of similar sounding charities to fool you into thinking they are legit. Charity scammers will provide you with a link to their fake websites. These fake websites capture unsuspecting victims who innocently enter their personal info including their SS#, address, phone # and credit card info.

Keyboard with Donate Button
Beware of Spoofed Charity Websites

FOLLOW THESE IMPORTANT TIPS:

  • Go directly to the charity yourself. You can find the address of a charity’s website and either mail them a check or go directly to the charity’s website (by typing in the website address yourself) and make your donation online.
  • Look for the padlock symbol and the website address to start with https, not just http. The “s” stands for a secure website. Also, realize that most charity websites will end in “.org”, not “.com”.  Be careful of making typos when entering web addresses too.
  • Never, ever click on links in an email, no matter how legitimate the email looks! The US Computer Emergency Readiness Team (US-CERT) is reminding everyone that malware purveyors frequently use natural disasters and breaking news stories to trick people into clicking on malicious links or opening up booby-trapped email attachments.
  • Be careful of what you see on your ‘Caller ID’. Most phone numbers are “spoofed” to look like the call is coming from a charity, when in fact, it’s a scammer calling.
  • Telemarketers who call you, representing a charity, receive a commission for each donation they receive. So only about half of your donation actually goes to help the charity. Besides, how can you be sure that the person calling you is from a legitimate charity?  You can’t!
  • To check out a charity, you should go to either charitynavigator.org or www.charitywatch.org  Both websites help you determine if a charity is legitimate. If the charity is not on the list, then beware! You can also learn how much of the money a charity collects, actually goes to the people they are supposed to be helping.
  • Always contribute by check or credit card to have a record of your donation. Never make a donation with cash, a pre-paid debit card, bank wire, or especially an iTunes or Amazon gift card.
  • The IRS allows taxpayers to use their Tax Exempt Organization Search Tool to help find or verify qualified charities. Donations to these qualified charities may be tax-deductible.
  • Contact any organization you’re considering, and ask for the charity’s address, phone number and financial records. Consider how much of your donation will go to the program you want to support, and how much will cover administrative costs. Legitimate groups will gladly provide information about their mission and how your donation will be used. If the charity you contact is unwilling to provide you with such information, be suspicious!

You can read a previous article I wrote about charity scams here.

 

 

Sweetheart Scams – Your Money Your Heart

Sweetheart Scams can hurt both your heart and your bank account.

The National Consumers League (NCL) is sounding the alarm about Sweetheart Scams. It is also referred to as the Romance or Friends Scam. Con Artists are swindling their victims out of millions of dollars. According to the NCL report, the average victim loses approximately $18,831. The group says that complaints to their organization about Sweetheart Scams have spiked upwards by 45%. That’s double the amount of complaints from 2017.

Sweetheart Scams
Don’t Let Someone You Love Get Duped

Con Artists are Masters of Persuasion

They prey on their intended victim’s powerful emotions. Examples of those powerful emotions are fear, greed, urgency, pride, loneliness and love. Realize that Love and Loneliness are two of the most powerful emotions on earth. Victims of Sweetheart Scams act on both of those emotions, rather than using reason. It’s as if the con artist has cast an impenetrable spell on their victim.

Con Artists are not looking for affection or a loving relationship

Their goal is to separate you from your money.  It’s also much easier now for them to pull off these romance scams because of the digital age.  Kindling a relationship with their victim can be a long drawn out process or it can happen fairly quickly.

It may begin with a phishing email, a contact on social media or when someone joins an online dating website such as Match.com.  The con artist will create a fake online profile that’s designed to lure you in. They will use a fake name and photo. They often falsely take on the identity of a trusted person such as a professional working abroad or someone in the military or perhaps an aid worker in a foreign country.

Realize that these con artists will strike up a relationship with not just you, but with hundreds of potential victims. Be especially wary if your new-found-friend or lover quickly asks you to move your conversations from the website’s messaging platform to your personal email or phone.

Eventually, that new special someone in your life will convince you to send them money to pay for some kind of emergency. They may even ask you for money so they can travel to visit you.  Either way it’s a trap!

Younger people claim they would never fall for this type of scam, but the statistics say otherwise. Con artists work to gain the victim’s trust and separate them from their support system. Victims are so convinced that they have found their true love, that they will even put themselves in harm’s way. One woman, a teacher, flew to Jamaica to meet her lover and was murdered in the process.

The elderly population also seems to be vulnerable to the Sweetheart Scam. Many of them have suffered a painful loss, like the death of a spouse or other family member. Many of them live alone and are yearning for companionship or love. Con artists easily manipulate and swindle people who are in such an emotional state of mind.

Keep in mind that when money is sent via a gift card, MoneyGram, or a prepaid debit card it is untraceable and you will never get your money back!

Scams-of-the-heart are especially egregious, because victims are hurt both emotionally and financially.  To read the National Consumers League article on this topic go to:  https://www.nclnet.org/romance_scams

Apple iPhone Scam – Very Convincing

I did not write this article, but I copied the important main parts of it here. It was written by Brian Krebs who is a security news and investigator. His website is called KrebsonSecurity.  Here is the link to his original article:  https://krebsonsecurity.com/2019/01/apple-phone-phishing-scams-getting-better/

I thought it was important enough to alert you to this new Apple iPhone scam – Read on…

Apple Phone Phishing Scams Getting Better

A new phone-based phishing scam that spoofs Apple Inc. is likely to fool quite a few people. It starts with an automated call that display’s Apple’s logo, address and real phone number, warning about a data breach at the company. The scary part is that if the recipient is an iPhone user who then requests a call back from Apple’s legitimate customer support Web page, the fake call gets indexed in the iPhone’s “recent calls” list as a previous call from the legitimate Apple Support line.

Jody Westby is the CEO of Global Cyber Risk LLC, a security consulting firm based in Washington, D.C. Here is an account of what happened to her. Earlier in the day she received an automated call on her iPhone warning that multiple servers containing Apple user IDs had been compromised (the same scammers had called her at 4:34 p.m. the day before, but she didn’t answer that call). The message said she needed to call a 1-866 number before doing anything else with her phone.

Here’s what her iPhone displayed about the identity of the caller when they first tried her number at 4:34 p.m. on Jan. 2, 2019:

Apple iPhone Scam

Note in the above screen shot that it lists Apple’s actual street address, their real customer support number, and the real Apple.com domain (albeit without the “s” at the end of “http://”). The same caller ID information showed up when she answered the scammers’ call this morning.

Westby said she immediately went to the Apple.com support page (https://www.support.apple.com) and requested to have a customer support person call her back. The page displayed a “case ID” to track her inquiry, and just a few minutes later someone from the real Apple Inc. called her and referenced that case ID number at the start of the call.

Westby said the Apple agent told her that Apple had not contacted her and that the call was almost certainly a scam. Apple said they would never do that — all of which she already knew. But when Westby looked at her iPhone’s recent calls list, she saw the legitimate call from Apple had been lumped together with the scam call that spoofed Apple.

“I told the Apple representative that they ought to be telling people about this, and he said that was a good point,” Westby said. “This was so convincing I’d think a lot of other people will be falling for it.”

KrebsOnSecurity called the number that the scam message asked Westby to contact (866-277-7794). An automated system answered and said I’d reached Apple Support, and that my expected wait time was about one minute and thirty seconds. About a minute later, a man with an Indian accent answered and inquired as to the reason for my call.

Playing the part of someone who had received the scam call, I told him I’d been alerted about a breach at Apple and that I needed to call this number. After asking me to hold for a brief moment, our call was disconnected.

No doubt this is just another scheme to separate the unwary from their personal and financial details, and to extract some kind of payment (for supposed tech support services or some such). But it is remarkable that Apple’s own devices (or AT&T, which sold her the phone) can’t tell the difference between a call from Apple and someone trying to spoof Apple.

Phone phishing usually invokes an element of urgency in a bid to get people to let their guard down. If a call has you worried that there might be something wrong and you wish to call them back, don’t call the number offered to you by the caller. If you want to reach your bank, for example, call the number on the back of your card. If it’s another company you do business with, go to the company’s Web site and look up their main customer support number.

Relying on anything other than a number obtained directly from the company in question — such as a number obtained from a direct search on Google or another search engine — is also extremely risky. In many cases, the scammers are polluting top search engine results with phony 800-numbers for customer support lines that lead directly to fraudsters.

These days, scam calls happen on my mobile so often that I almost never answer my phone unless it appears to come from someone in my contact list. But as this scam shows, even that’s not always a great strategy.

It’s a good idea to advise your friends and loved ones to ignore calls unless they appear to come from a friend or family member, and most importantly to just hang up the moment the caller starts asking for personal information.

AGAIN, I DID NOT WRITE THIS ARTICLE. IT WAS COPIED HERE FROM AN ARTICLE WRITTEN BY BRIAN KREBS.  HERE IS HIS HOME PAGE LINK:

https://krebsonsecurity.com/

SYNTHETIC IDENTITY THEFT

According to the Federal Trade Commission, 80 to 85% of all identity fraud stems from Synthetic Identity Theft. Fictitious identities are created when an Identity thief creates a fresh new identity using elements of valid and/or fabricated forms of personal information.

As an example – a thief with a stolen valid Social Security number will combine it with a fake name, address and date of birth to create a brand new identity.  Because a valid Social Security # is used, there is no actual victim or true identity behind this false combination of identity elements.

Synthetic Identity Theft

 

Once Created – The Mischief Begins!

The merger of this real and fake personal data is then used to commit criminal, medical or financial fraud. Once an ID thief creates a new synthetic identity, they will attempt to apply for loans, credit or a job; get medical services, obtain cellphone service or even use the synthetic ID if they get arrested.

Remember that this newly created identity still contains your social security # as the main component and source of reference. Therefore, it becomes part of a fragmented or sub-file to your main credit file.

Additionally, fraud alerts, credit freezes and credit monitoring services will not indicate that anything is amiss. These usual protective measures do not stop Synthetic Identity Theft.

Unfortunately, the massive Equifax data breach, reported in September of 2017, exposed the valid social security numbers of nearly 148 million Americans. Realize also that those stolen social security numbers have already been purchased by criminals on the dark web – in underground black markets. Unfortunately, you cannot change your social security number!

 

What are Banks and Credit Card Companies Doing to Combat This?

Financial institutions understand the need to use any and all tools available to stop synthetic identity theft. They’re using advanced analytics, device intelligence and monitoring of underground websites. Credit Bureaus utilize tools that are able to detect when identity elements appear to be used inconsistently. They have developed analytical scores that help them determine whether a Social security # and identity belong to the right person.

A new federal law should also make it easier for creditors to verify ownership of a Social Security # with the Social Security Administration – which should help them verify that credit applicants actually exist.

 

THERE’S NO SILVER BULLET – BUT THESE STEPS MAY HELP

  • Only use an identity theft monitoring service that includes dark web monitoring. The service will check for personal identity elements, such as a SSN, that may have been exposed in a recent data breach.
  • It’s still worth placing a credit freeze with all three of the credit bureaus. Credit Freezes are now FREE in all 50 States as of September, 2018. Here’s is a previous article of mine explaining how to place a freeze
  • Get your free credit report at annualcreditreport.com from one of the three credit bureaus and check to see that there hasn’t been any unauthorized accounts opened.
  • A child’s SSN is often used to create Synthetic ID Theft. So, be sure to also place a credit freeze for your minor children as well.
  • National databases hold the key to discovery of Synthetic ID Theft. The DMV, insurance companies, data brokers, employers, prison or police records may all contain synthetic identities that include your social security number. Use a credit monitoring service that checks national databases.

 

Synthetic identity theft is a complicated and growing problem because it’s hard to detect and prevent this type of fraud. Once these synthetic identities are created, they become ‘verifiable’ identities and can therefore pass traditional security checks.

Unfortunately, it’s going to be up to you to be ever diligent if you want to protect yourself in the age of rampant fraud and deception.

DISASTER CHARITY SCAMS

DISASTER CHARITY SCAMS  Good Intentions – Bad Outcome

Beware of disaster charity scams! Fraudsters – posing as reputable Charitable Organizations – have been out in full force to trick you into making donations, to help victims of disasters.

Criminals always take advantage of kind-hearted, well-intentioned people who want to help after a disaster makes headline news. All of us need to be vigilant, because disaster charity scams will always appear to be totally legitimate.

Disaster Charity Scams
When Disaster Hits Watch Out For Fake Charities

Disaster Charity Scams normally start with unsolicited contacts in several ways. The scammer will contact their possible victim by telephone, social media, email solicitations, or at your door.

Then scammers use a variety of tried-and-proven tactics to lure information out of people. Donors should not give out personal financial information to anyone who solicits a contribution. This includes things like Social Security #, passwords or credit card and bank account numbers. You must always do your homework first.

Disaster Charity Scams Are Abundant
Always Do Your Research First!

THINGS YOU NEED TO KNOW:

  • Thieves pretend they are from a familiar sounding charity. Their goal is to get money or personal financial information from unsuspecting donors.
  • Bogus websites use names that are the same name or a similar name of a legitimate charity. Emails that appear to come from a real charity will always provide a link that will take you to a fraudster’s bogus website.
  • Scammers may even try to get you to provide your social security number, claiming they need it for your receipt or for tax reporting. This is a falsehood! Never give a charity your SS#.
  • Always go directly to the source when making a charitable donation. Don’t trust strangers at your door, telemarketers on the phone or emails with links that will lead you to a fake charity website that appears legitimate.
  • Always contribute by check or credit card to have a record of your donation. Never make a donation with cash, a pre-paid debit card, bank wire, or an iTunes or Amazon gift card.
  • You can check out whether a charity is legitimate by going to www.charitynavigator.org or www.charitywatch.org  If the charity is not on the list, then beware!
  • Scammers may even claim to be working for ― or on behalf of ― the IRS. The thieves tell disaster victims they can help them file casualty loss claims to get big tax refunds.
  • The IRS website allows taxpayers to use their Tax Exempt Organization Search to help find or verify qualified charities. Donations to these qualified charities may be tax-deductible.
  • Contact any organization you’re considering, and ask for the charity’s address, phone number and financial records. Consider how much of your donation will go to the program you want to support, and how much will cover administrative costs. Legitimate groups will gladly provide information about their mission and how your donation will be used. If a charity is unwilling to provide you with such information, be suspicious!

IRS PHONE SCAM

IRS PHONE SCAM – Scammers Continue to Evolve

The Internal Revenue Service sent out a warning about a new twist on the old IRS phone scam. Criminals are using telephone numbers that mimic the IRS Taxpayer Assistance Center (TAC) to trick taxpayers into paying non-existent tax bills.

I have always urged taxpayers to remain alert to IRS scams all year round, because even though tax season ends – tax scams don’t!

IRS Phone Scam Imposters
IRS won’t call, text or email you

 AN IRS PHONE SCAM CAN ALSO COME VIA AN  EMAIL OR TEXT 

Impersonation is the most common technique used in most scams. Therefore, in the latest version of the IRS phone scam, criminals claim to be representatives calling from a local TAC office. To help things look legit, scam artists ‘spoof’ what you see on your Caller ID. When calling you, they manipulate your Caller ID to display the TAC office phone number. The scammer does this by programming their computer to make you see whatever they choose – displayed on your Caller ID.

Be aware that fraudsters have been similarly ‘spoofing’ your local Sheriff’s offices, the Department of Motor Vehicles, other Federal agencies, charities, Microsoft, banks, credit card companies and many other organizations to convince taxpayers the call is legitimate.

IRS IMPOSTERS WILL  DEMAND PAYMENT OF OVERDUE TAX BILLS

If the taxpayer questions their demand for tax payment, they direct the taxpayer to IRS.gov. They are directed to look up the local TAC office telephone number to verify the phone number. The crooks hang up, wait a short time and then call back a second time. After the taxpayer has “verified” the call number, the fraudsters resume their demands for money, generally demanding payment on a debit card.

 

NOTE TO SELF:

IRS employees at TAC offices do not make calls to taxpayers to demand payment of overdue tax bills. The IRS typically initiates most contacts through regular mail delivered by the U.S. Postal Service.

There are special, limited circumstances in which the IRS will call or come to a home or business, such as when a taxpayer has an overdue tax bill, to secure a delinquent tax return or a delinquent employment tax payment, or to tour a business as part of an audit or during criminal investigations.

Even then, taxpayers will generally first receive several letters (called “notices”) from the IRS in the mail.

 

Always Remember: THE IRS DOES NOT:

  • Demand that you use a specific payment method, such as a prepaid debit card, gift card or wire transfer. The IRS will not ask for your debit or credit card numbers over the phone. If you owe taxes, make payments to the United States Treasury or review IRS.gov/payments for IRS online options.
  • Demand that you pay taxes without the opportunity to question or appeal the amount they say you owe. Generally, the IRS will first mail you a bill if you owe any taxes.
  • Threaten to bring in local police, immigration officers or other law enforcement to have you arrested for not paying. The IRS also cannot revoke your driver’s license, business licenses, or immigration status. Threats like these are common tactics scam artists use to trick victims into buying into their schemes.

Lastly, if you received a call from anyone claiming to be from the IRS, you should report it here: https://www.treasury.gov/tigta/contact_report_scam.shtml

ROBOCALLS Telemarketing Phone Calls

ABOUT THOSE PESKY ROBOCALLS

Robocalls are designed to bait you into giving up your personal or financial information. Telemarketing fraud often begins with a Robocall. Unwanted calls are more than a mere annoyance – they are an invasion of privacy and a breeding ground for fraud and identity theft.

Robocalls broke a national record in March of this year (2018). Youmail.com reports that 3.15 billion Robocalls were placed in just the month of March alone. This is a 15% increase from the month before. This increase was driven by a big jump in telemarketing (up 19%) and scam calls (up 13%).

Consumer Reports estimates that Americans lose $350 million a year to scams involving Robocalls. Using today’s technology, tens of millions of Robocalls can be blasted out each day. We’ve all received these telemarketing pitches – like ‘Rachel from Cardholder Services’ or ‘Microsoft’ Imposters calling to warn you that you have a computer virus.

Robocalls
File a complaint with the FTC

MOST ROBOCALLS ARE ILLEGAL!

Only about 10% of Robocalls are actually legal and useful. Airlines can call to give flight updates. Schools can call to alert parents about closures. Doctors can call about appointment reminders. Also, non-profits, political and charitable organizations are allowed to call you too. Just beware of imposters!

Robocalls are usually autodialed or pre-recorded telemarketing calls. The scammers usually don’t know who they are calling and simply ignore the Do-Not-Call List. They oftentimes use prefixes that are the same area code that you live in and even use a phone number similar to yours – in the hopes that you’ll pick up the phone.

Don’t  believe what you see on Caller ID!

When these calls come in, your Caller ID usually displays “spoofed” (fake) phone numbers and/or “spoofed” names of legitimate organizations – like the IRS or a bank, or utility company.  Or, the Caller ID may show as “Unknown”. Robocallers often place their calls using internet technology that hides their location. From here on, you must never rely on what your Caller ID displays on your phone.

Robocalls Aren’t Going Away

Follow these tips to protect yourself from those pesky calls:

  • Don’t Encourage Them: If you are instructed to press a “key” to be taken off their list or to speak to an operator you are, in essence, logging your number as a working number. You will be targeted for even more annoying calls. Hang up without pressing any keys!
  • Don’t Engage: Don’t pick up if it’s a number you don’t recognize. Let it go to voicemail.
  • Block Robocall Numbers: Try contacting your phone service provider, but don’t pay extra for this type of service – since telemarketers change phone numbers often.
  • Forward any SPAM text messages to 7726 (or SPAM)
  • File a Complaint: This helps investigators detect & track patterns in Robocalls. Although most Caller IDs display numbers that are spoofed, report them anyway by calling the Federal Trade Commission at 888-382-1222 or go to ftc.gov/complaint
  • Sign the petition: at Consumers Union to help pressure Telephone Carriers to offer free call-blocking technology by going to: endrobocalls.org

 

ADDITIONALLY –  There’s an App for that

There are a number of apps that are free or for a small fee, will help prevent most, but not all Robocalls.

Here is the link for Android Phones: https://www.ctia.org/consumer-tips/robocalls/android-robocall-blocking

Here is the link for iPhones: https://www.ctia.org/consumer-tips/robocalls/ios-robocall-blocking

Here is a link for Landlines, that offers call blocking for free: https://www.nomorobo.com/

Interesting Factoids:

iPhone users get more robocalls than Android users. They received 29% more Robocalls than Android users, during the month of March. Also, AT&T users get more Robocalls than Verizon users.

Crooks who commit phone fraud are clever. They have to be – as this is the way they make their living. So, don’t engage with them. Instead – ALWAYS HANG UP ON ROBOCALLS OR LET YOUR CALLS GO TO VOICEMAIL!

Dialing Wrong Numbers Can Cost You

Dialing wrong numbers can cost you a pretty penny!

Fraudsters refer to it as “Fat Finger Dialing”.  It is a scheme in which unscrupulous vendors purchase phone numbers that are just one or two digits different from legitimate numbers.

It starts when people start dialing wrong numbers that they think are the phone numbers of their bank, a business or the IRS. But instead, they actually accidentally dialed the wrong toll-free area code. The trick is easily pulled off by scammers taking advantage of all the toll-free area codes like 800, 866 or 888.

DIALING WRONG NUMBERS
PAY ATTENTION TO AREA CODES
Imposters are buying up massive amounts of toll-free prefix phone numbers with the identical seven-digit number of a legitimate company, but with a different 3-digit toll-free area code.

Most major companies and Government Agencies use toll-free prefixes, so that consumers can call them without incurring long distant toll charges. Fraudsters are taking full advantage of this by replacing 888 or 866 prefixes with the actual legitimate 800 toll-free number of a company, a vendor or a Government entity.

So, when people dial the correct seven digit number, but misdial the area code, they are being spoofed by a scam artist. The person on the other end of the line is an imposter who is impersonating the real entity you thought you had called.

Their goal is to mislead you into giving up your personal or financial information. Callers may be told that they are eligible for a survey or that they won a prize. Some offer low-cost medical devices, magazine renewals, insurance plans, travel packages, etc.

And this is all legal as long as the person at the receiving end of the call, doesn’t misrepresent themselves by saying that they’re affiliated with the entity the consumer intended to dial. If you initiated the call, then your call is exempt from Telemarketing and “Do Not Call List” rules.

TIPS:

  1. Always double check the phone number you are dialing to be sure it’s correct.
  2. Always hang up the phone if the operator doesn’t mention the company or organization by name and begins to solicit you with products or asks for personal or financial info.
  3. Be wary of freebie offers or claims of being a prize winner – but are first required to provide your payment information or asked to pay with a gift card or pre-paid debit card.
  4. Never provide your date of birth, social security or medical ID number over the phone to anyone.
  5. Make copies of the front and back of your debit and credit cards so you have the correct toll-free numbers on them, if the card is ever lost or stolen.