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.

Coronavirus Phishing Emails on the Rise

Coronavirus
WASH YOUR HANDS

A global health disaster like coronavirus is a golden opportunity for criminals looking to steal your personal information or money through Coronavirus Phishing Emails.

Portions of this article were reprinted from the website of consumer advocate, Herb Weisbaum, also known as Consumerman. His website is here: https://consumerman.com/

If you got an email from the Centers for Disease Control and Prevention or the World Health Organization about the Coronavirus outbreak, would you read it? Maybe click on a link? Cybercriminals are counting on it!

The outbreak is a dream come true for criminals who will use it as basis for email attacks designed to snag personal information, steal money and infect computers with malware.

Coronavirus phishing emails are on the rise. Malicious emails linked to the Coronavirus first appeared in early February, making it one of the first big phishing campaigns of the year.

“A global health disaster like this one, creates a golden opportunity for fraudsters, as there is no population or demographic that is not paying attention. As a result, the potential for impulse clicking is higher than normal,” said Adam Levin, a digital security expert who is chairman of CyberScout, a data security firm, and the author of “Swiped: How to Protect Yourself in a World Full of Scammers, Phishers and Identity Thieves.”

The bogus emails look legit

Coronavirus Phishing Emails may look legit, but they’re not! Those who click on the provided link in the email will wind up on a site created by criminals to steal the victims’ email credentials.

With the current Coronavirus phishing emails, fraudsters are designing their emails to look like they’re coming from the CDC or the WHO. They typically have an attention-grabbing subject line, such as “Coronavirus outbreak in your city (Emergency)” and often include the agency’s logo — cut and pasted from the real website — to add credibility.

At first glance, the sender’s email address appears to be legitimate, for example cdc-gov.org or cdcgov.org. The crooks create domains that are very close to the real CDC site — cdc.gov — making the deception easy to miss.

Even though the link looks like it will take you to the CDC.gov website about the Coronavirus, it will not.

You will instead, land on a fake Microsoft Outlook login page, created by the crooks to steal user names and passwords. Criminals control this fake Outlook page. There is no reason to provide login credentials to visit a public website, such as the CDC.

“Once they capture your login credentials, they can use them to get access to your email account and look for anything worth stealing.

BUT IT GETS WORSE

The bad guys have taken things to the next level, using the Coronavirus to infect computers with Malware!

Emails impersonating the CDC include attachments to click on that proclaim the need for the reader to open it to get advice on how to protect yourself. If you open this attachment, it will download Malware or Ransomware onto your computer.

Ransomware locks out all of your computer files and demands a ransom payment to unlock your files. I have written more extensively about Ransomware in a prior article that you can read here.

Just remember that health agencies are NOT sending out mass emails about Coronavirus. There are plenty of legitimate news websites and the CDC website, CDC.gov  itself with important updates and everything you need to know about the Coronavirus outbreak.

How to protect yourself from coronavirus scams

You need to be skeptical of any email that asks you to click on a link or open an attachment — even when the email seems legitimate.

In most cases, you can probably get the information you need by typing in the URL yourself. For the latest on the Coronavirus outbreak go directly to the CDC website.

TIPS TO PROTECT YOURSELF:

  • Don’t be taken in by the sender’s name.Scammers can put any name they like in the “from” field.
  • Look out for spelling and grammatical errors.Not all crooks make mistakes, but many do. Take extra time to review messages for telltale signs that they’re fraudulent.
  • Check the URL before you type it in or click a link.If the website you land on doesn’t look right, steer clear. Do your own research and make your own choice about where to look.
  • Never enter data that a website shouldn’t be asking for. A site that’s open to the public, such as the CDC or WHO, will never ask for your login credentials.
  • If you realize you just revealed your password to impostors, change it as soon as possible.The crooks try to use stolen passwords immediately, so the sooner you change your password, the more likely you are to stop them for doing anything malicious.
  • Never use the same password on more than one site.Once crooks have a password, they’ll try it on every website where you might have an account, to see if they can get lucky.
  • Turn on two-factor authentication (2FA), if you can. Yes, it’s a slight inconvenience to enter a six-digit code when you want to log on, but it’s a huge barrier for the crooks. With 2FA, a stolen password, by itself, is useless to them.

Prevention, Symptoms and Treatment of COVID-19

There’s currently no vaccine to prevent COVID-19. The best way to prevent illness is to avoid being exposed to this virus. The CDC recommends preventive actions every day to help prevent the spread of respiratory diseases, including:

  • Avoid close contact with people who are sick.
  • Avoid touching your eyes, nose and mouth.
  • Stay home when you’re sick.
  • Cover your cough or sneeze with a tissue, then throw the tissue away.
  • Clean and disinfect frequently touched objects and surfaces using a regular household cleaning spray or wipe.
  • Follow CDC’s recommendations for using a face mask. (see below)
  • Wash your hands often with soap and water for at least 20 seconds, especially after going to the bathroom, before eating and after blowing your nose, coughing, or sneezing or being out in public.
  • If soap and water aren’t available, use an alcohol-based hand sanitizer with at least 60% alcohol. Always wash hands with soap and water if hands are visibly dirty.

MORE TIPS FROM THE CDC:

The CDC doesn’t recommend that people who are well wear a face mask to protect themselves from respiratory diseases, including COVID-19.

Face masks should ONLY be used by people who show symptoms of COVID-19 to help prevent the spread of the disease to others. The use of facemasks is also crucial for health workers and people who are taking care of someone in close settings.

Reported illnesses have ranged from mild symptoms to severe illness and death for COVID-19 cases, the CDC said. Symptoms may appear two to 14 days after exposure to the virus and include fever, cough and shortness of breath.

There’s no specific treatment recommended for COVID-19. People with COVID-19 should get care to help relieve symptoms. For severe cases, treatment should include care to support vital organ functions, the CDC said.

People who think they may have been exposed to COVID-19 should contact their healthcare provider immediately.