Where is My Stimulus Check

Where is my stimulus check, you ask?  The IRS has started automatically directly depositing stimulus checks – referred to as “Economic Impact Payments”. Keep in mind, these payments need to be made to nearly 140 million eligible Americans.

Where IS My Stimulus Check

Some of you may have already received your payment. Lucky you! But, if not, don’t fret. Remember that this is going to be a process to get these payments out to all 140 million Americans. According to CNN, about 60 million Americans are still waiting for their money.

Some people, who don’t usually file a tax return, will need to submit basic information to the IRS before they will receive their payment. The IRS is regularly updating the Economic Impact Payment and the Get My Payment tool frequently asked questions pages on IRS.gov  as more information becomes available.

Answers to the Most Common Questions:

How are payments calculated and where will they be sent?
If taxpayers have already filed their 2019 tax return and requested direct deposit of their refund, the IRS will use this information to calculate and send their payment. Those who didn’t provide 2019 direct deposit information or owed tax, can use the Get My Payment tool to provide account information or a payment will be mailed. For those who haven’t filed their 2019 return, the IRS will use their 2018 tax return to calculate the payment.

Payments will also be automatic for those who receive Social Security, railroad retirement or Social Security Disability Insurance (SSDI and SSI) and veteran’s benefits who don’t normally file a tax return.

However, to add the $500 per eligible child amount to these payments, the IRS needs the dependent information before the payments are issued. Otherwise, their payment at this time will be $1,200 and, by law, the additional $500 per eligible child amount would be paid in association with a return filing for tax year 2020.

What if the IRS doesn’t have the taxpayer’s direct deposit information?
If the IRS has not processed the taxpayer’s payment, the taxpayer  may be able to use the Get My Payment tool to provide their banking information to the agency so their payments can be directly deposited. If no banking information is provided, IRS will mail a check to the taxpayer’s address on record. The direct debit account information used to make payments to the IRS cannot be used as the account information for the direct deposit of your payment.

Can taxpayers who aren’t required to file a tax return receive a payment?
Yes. People who don’t normally file can use Non-Filers: Enter Payment Info tool to give IRS basic information to get their Economic Impact Payments. This includes low-income or no income taxpayers.

Can taxpayers who haven’t filed a tax return for 2018 or 2019 still receive a payment?
Yes. Anyone who is required to file a tax return and has not filed a tax return for 2018 or 2019 should file their 2019 return do so as soon as possible to receive a payment. They should include direct deposit banking information on their return.

WATCH OUT FOR SCAMMERS!

The bad guys are out there phishing with renewed fervor. Phishing sites have increased 235% since the COVID-19 outbreak. Scammers have set up over 180,000 fake Coronavirus-themed websites to steal data or misinform taxpayers. Don’t take the bait.

According to the Treasury Inspector General for Tax Administration, (TIGTA) the agency has already begun to see IRS Imposters playing every trick in the book to get personal information they can use to steal money. While the IRS Criminal Investigation Unit is doing all they can to combat this problem, people are still falling victim to these scams. Scammers are preying on vulnerable individuals who are not sure how best to get their stimulus payment.

TIPS TO NOT FALL VICTIM

  • Do not respond to anyone contacting you if they claim to be from the IRS. The IRS will never ever call you.
  • You may receive emails, text messages or contacted via social media by someone asking for verification of personal and/or banking info. They’ll claim the information is needed before you can receive your stimulus payment. Never give out your personal information.
  • NEVER click on links or open attachments in emails or text messages. Always go directly to the website using your internet browser.
  • You are not required to pay a fee to receive your payment, nor will paying an upfront fee result in you receiving your stimulus check faster.
  • Pay attention to web address extensions. The IRS website ends in “.gov” NOT “.com” or “.org” or “.net”.
  • Watch your spelling when entering a website address. Scammers register websites with misspelled names or similar names of legitimate websites  in hopes of tricking you.

If you receive an unsolicited email from someone claiming to be from the IRS, forward the email to phishing@irs.gov.  If you are looking for information about the COVID-19 pandemic you can go here.

To read a prior article I have recently written about IRS scams, go here

Pandemic Related Hazards Tsunami

Pandemic Related Hazards

I am urging all of you to be aware of an escalating number of pandemic related hazards. There is a full menu of scams, fraud and financial challenges lurking. Fraudsters are having a field day exploiting the uncertainties caused by the Coronavirus outbreak – COVID-19. They are using your fear and vulnerability as a weapon.

Here’s some examples of what these criminals are up to: From price gouging that’s preventing purchases of critical supplies, to fake products – promising cures; from loan payments to travel cancellations, from work-at-home schemes to Government Imposters seeking your personal information. AND – that’s just the tip of the iceberg!

Surviving Pandemic Related Hazards
In the meantime – Educate Yourself

How to Protect Yourself from the Coming Pandemic Related Hazards

  • Hang up on robocalls. Scammers are using illegal robocalls to pitch everything from fake coronavirus treatments to work-at-home schemes.
  • Ignore online offers for vaccinations and home test kits. At this time, there is no cure or vaccination for COVID-19, and there are no FDA-authorized home test kits. Visit the FDA’s website to learn more.
  • Do not respond to texts or emails about checks from the government from contacts you do not know. If someone tells you they can get you money immediately, it is a scam.
  • Do not click on web links from unfamiliar sources. These links could download viruses onto your computer or device.
  • Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying they have information about the virus. For reliable and up-to-date information and updates, it is always best to visit the CDC’s website or the World Health Organization’s website.
  • Do your research before donating to charities claiming to help with COVID-19 efforts. Be wary of donations that require payment in cash, by gift card, or by wiring money.

If you think you are a victim of any of these pandemic related hazards involving COVID-19, you can report it without leaving your home through a number of platforms:

Some Additional Tips

Please know that government, the IRS and businesses have policies in place that are rapidly changing. Therefore, if you are seeking the latest policy of a particular entity, it is best to directly check their website rather than clicking on links in emails or attachments.

Government imposters have begun calling about COVID-19 relief. Imposters will call victims and suggest that you may qualify for a Government grant, but you have to verify your identity to process your request. Variations of the scheme involve contacts through text messages and social media posts.

Scams Coming About Stimulus Checks

IRS Pandemic Related Hazards
DON’T TAKE THE BAIT

The IRS is warning taxpayers of a tsunami of calls and phishing attempts about COVID-19 Stimulus checks. These contacts can lead to tax-related fraud and identity theft.

Scammers will suggest that you can get your Stimulus check faster if you share personal details like your Social Security number and banking information and also require you to pay a “processing fee”. DON’T TAKE THE BAIT!

Stimulus checks are free money provided from the Government. You do NOT need to spend money to receive your check. There are no short-cuts – even for a fee. The IRS will deposit your check into the direct deposit info you entered on your tax return or alternatively they will mail you a check.

The IRS will never call you or ask you to verify payment details.  Do not give out your bank account information, your debit or credit card number, or your PayPal payment details to someone who contacts you unsolicited.

The IRS has a webpage with information about the COVID-19 Stimulus payments that is updated quickly whenever new information is available. Here is the link

It’s impossible for me to cover all of the upcoming pandemic related hazards. However, the details listed above are a good refresher, especially for those who have been reading my prior articles. Remember that recognizing the red flags is one of the best weapons against scams and fraud.

You can read my prior article about Coronavirus Phishing Emails here.

I wish you and your loved ones all the best. BE SAFE OUT THERE.

IRS TAX SEASON SCAMS

IRS TAX SEASON SCAMS

It’s Tax Time again!  Be on the lookout for IRS Tax Season Scams. Thieves want to trick people in order to steal their personal information, scam them out of money, or talk them into engaging in questionable behavior with their taxes.

Phishing scams – like imposter emails, calls and texts — are the No. 1 way thieves steal personal data. Don’t open links or attachments on suspicious emails. Con artists will attempt to trick you into providing your social security number and date of birth. That info allows them to file a fraudulent tax return and get a big refund – before you even get around to filing your own return.  Always try to file your tax return as early as possible.

IRS tax season scams also come by way of con artists, posing as IRS agents. They will demand money for unpaid back taxes owed. They will use fear and intimidation to convince you to send them money. Oftentimes, these imposters will instruct you to pay your fake tax bill through the purchase of gift cards.

IRS Tax Season Scams

Here’s How Many IRS Tax Season Scams Go Down:
  • Someone posting as an IRS agent calls the taxpayer and informs them their identity has been stolen.
  • The IRS imposter claims that the taxpayer’s identity was used to open up fake bank accounts.
  • Alternatively, the IRS imposter may simply claim that you owe the IRS money and then demand immediate payment.
  • The caller tells the taxpayer to buy gift cards from various stores and await further instructions.
  • The scammer then contacts the victim again telling them to provide the gift card’s access numbers.

Once a scammer has been given the access numbers from a gift card, they can anonymously collect the money loaded on the card. You, the victim, have no recourse to reverse the transaction and get your funds returned to you.

IRS USES SNAIL MAIL NOT EMAIL

Be aware that the IRS will never call or email you. If you really legitimately owe the IRS money, the IRS will always first mail you a bill. The written letter from the IRS will state how much you owe and instructions on how to remedy the amount they say you owe. You are always given the chance to agree or disagree with the stated amount owed. You are also given 30 days to respond to their letter.

Most importantly, whenever you mail a payment to the IRS, you will always make the check payable to the United States Treasury. It will need to be mailed to one of just a few locations in the U.S.  You can go online and verify where the payment needs to be mailed. The address will vary, depending on your geographic location.

IF YOU BELIEVE YOU’VE BEEN TARGETED:

  • Contact the Treasury Inspector General for Tax Administration to report a phone scam. Use their IRS Impersonation Scam Reporting web page or call them at 800-366-4484.
  • Report phone scams to the Federal Trade Commission. Use the FTC Complaint Assistant on FTC.gov.  Be sure to add the words “IRS Telephone Scam” in the notes.
  • Report an unsolicited email, claiming to be from the IRS, or an IRS-related component like the Electronic Federal Tax Payment System (EFTPS) by forwarding your email to the IRS at: phishing@irs.gov. Remember to change the subject line in your email to “IRS Phone Scam”.

You can read prior articles I wrote about IRS scams here and here

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.

ROBOCALLS AND PHONE SCAMS

The US Senate and the FCC has finally taken up the battle against Robocalls and Phone Scams. This federal intervention should provide much needed relief to consumers. Estimates of robocalls and phone scams have grown from 29% of all calls in 2018 to as much as 45% of all phone calls in 2019.

THE TRACED ACT

In May the US Senate approved the Telephone Robocall Abuse Criminal Enforcement and Deterrance (TRACED) Act by a 97-1 vote.  Don’t you just love how they come up with these nifty names?  Also, I wonder which Senator was the only one who didn’t think this legislation should be passed. The TRACED Act grants the Federal Communications Commission (FCC) stepped-up enforcement power to levy heavy penalties and fines against violators.

Additionally, the FCC voted unanimously to finally grant telecommunications companies the authority to use technology to proactively identify and block Robocallers.  A summit was held in July with carriers to identify a framework for implementing these new guidelines. The FCC says it is committed to pursuing “aggressive enforcement action” against Robocallers.

Robocalls and Phone Scams
STOP CALLING ME!!!

MOST ALL ROBOCALLS ARE ILLEGAL

Robocallers often place their calls using internet technology that hides their location. When these calls come in, your Caller ID usually displays a “spoofed” (fake) phone number. Tens of millions of these calls are blasted out each day. Most robocalls and phone scams are automated voice messages.

Industry stakeholders are working to implement a caller ID authentication system. Once implemented, it should help the accuracy of caller ID information and help consumers determine which calls are authenticated.

EXAMPLES OF 2 NEW ROBOCALL TACTICS

‘Neighborhood Spoofing’ and the ‘One Ring Scam’ are two of the newest tactics being used to get you to pick up or call back. Neighborhood Spoofing is when a fraudster alters their phone # to look like a phone number with the same area code as yours. The One Ring Scam involves a Robocaller hanging up after only one phone ring, hoping you’ll be curious enough to call back.

THWART ROBOCALLS AND PHONE SCAMS

  • Don’t Engage: Don’t pick up if it’s a number you don’t recognize. Let it go to voicemail.
  • Don’t Answer: Don’t pick up or return any calls you don’t recognize
  • 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!
  • Block Them: Block Robocall phone numbers on your phone, but realize that telemarketers change phone numbers often.
  • Use Technology: Use call blocking options for your cellphone
  • List: Add your number on the Do Not Call Registry  If your number is already registered and you still get unwanted calls, report them  to help expose and catch these fraudulent callers.
  • Forward: SPAM text messages to 7726 (or SPAM)
  • Report: File a Complaint to help investigators detect and track patterns in Robocalls. Call the Federal Trade Commission at 888-382-1222.

Read my prior article about Robocalls here.

FCC Consumer Resources

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/

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 TAX SCAMS

Taxpayers CAN protect themselves from IRS Tax Scams – If they know what to do…

Knowledge is power, especially when it comes to avoiding IRS Tax scams. Here’s what taxpayers need to know to determine whether an encounter — in person, over the phone, by text or by email — is an imposter or an actual IRS employee:

IRS TAX SCAMS
Be Suspicious of IRS Calls, Texts or Emails

The IRS Does Not:

  • Call to demand immediate payment using a specific payment method, such as a prepaid debit card, gift card or wire transfer.
  • Demand taxpayers pay taxes without the opportunity to question or appeal the amount owed.
  • Threaten to bring in local police, immigration officers or other law enforcement to have someone arrested for not paying.
  • Threaten to revoke someone’s driver’s license, business licenses or immigration status.

The IRS Does:

  • In general, first mail a bill to any taxpayer who owes taxes.
  • Normally initiate contact with taxpayers through mail delivered by the United States Postal Service.
  • Present official identification when visiting a taxpayer. Taxpayers have the right to see these credentials, and – if they would like – the representative will provide them with a dedicated IRS phone number for verifying the information and confirming their identity.
  • Call or visit a home or business under certain circumstances. This includes 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 criminal investigation. Even then, taxpayers will generally receive several letters from the IRS in the mail first.
  • Assign certain cases to private debt collectors, but only after written notice is given to the taxpayer and their appointed representative.
  • Offer several payment options. Payment by check should ALWAYS be payable to the U.S. Treasury and sent directly to the IRS, instead of a private collection agency.

IRS Tax Scams Use PHISHING Attempts:

Phishing Emails
Don’t Click on Email or text links!

Thieves often pose as IRS employees to get victims to turn over their personal information using Phishing techniques. Phishing is typically carried out through unsolicited emails or calls. Just remember that the IRS does not call, text, or email you. They communicate via a letter sent to you in the mail.

IMPORTANT TIPS:

  • Never click on links in emails or text messages from anyone claiming to be from the IRS.
  • Hang up the phone if someone claiming to be from the IRS calls you and don’t believe what you see on your caller ID. The # can be spoofed.
  • You can forward suspicious IRS emails to phishing@irs.gov
  • Forward text messages as-is to the IRS at 202-552-1226. If possible, in a separate text to the IRS, forward the originating number of the sender to the same IRS # 202-552-1226.
  • Visit the IRS identity protection page for more info on steps to take to protect your info.
  • You can read a prior article I wrote about IRS Phone Scams here.