Scambusters Newsletter #2024 – 9
Is it still summer or fall? Depends on the day,I think. Either way, I hope you are enjoying each day, the colorful leaves, and cool evenings. I do not have the same wish for the scammers. Enough said.
This last month has been full of old and new scams that we are going to cover in this newsletter.
I HAVE YOUR PERSONAL INFORMATION SO I MUST BE LEGITIMATE
So much of your information is on the internet. Anyone can pretend to be from a business and make you feel that they are legitimate because they have some of your information. Medicare wants you to confirm your Medicare number; someone has the last four digits of your social security number and wants you to confirm your authenticity by you providing the rest of the SS#; someone from your bank supposedly calls and has your routing number (this is on your check so anyone you have given a check to has this).
PRETRIAL SERVICES SCAM
Speaking of public information, there is information on the website which shares name, address, phone, sex, race, citizenship, charges placed, and bond amount and type for someone arrested. Scammers are watching and contact inmates as soon as they post bail. A “Deputy Strickland” calls the person indicating they must pay for a GPS ankle monitoring device as part of their bond - $850 – and should pay at a kiosk (bit coin) and then provides the address they can pick up the device. This is a SCAM.
PAYCHECK PROTECTION PLAN (PPP) SCAM
During the COVID pandemic, the Small Business Administration (SBA) offered PPP loans to help small businesses keep their employees during the pandemic. This program ended in 2021. Scammers now are contacting those loan holders telling them they are behind in payments, loans were not forgiven, and other tales to get the loan holder to pay them. The scammer may also say that you have been summoned to appear because you were found in violation of the terms of the loan. The scammer has a lot of personal information about the loan and the borrower, therefore, sounds legit. Unfortunately, the SBA made a lot of information public, so these scammers have access to –
· Borrower’s name, address, business type, zip code, and NAICS code
· Loan details such as amount, date of loan and lending institution.
· Demographic information – ethnicity, etc.
· Jobs supported by the loan.
Please do not believe the scammers because they have this information – if you have any questions about your loan, please go directly to the SBA.gov site (note the .gov at the end of the URL). DO NOT PAY the caller!
I KNOW WHERE YOU LIVE/SEXTORTION
You get a threatening email calling out your address and phone number along with a photo of your residence. The email goes on to threaten you and tell you they are watching you and taking over your phone and cameras. They might also say they have access to everything you have accessed on your computer, and that they have incriminating evidence against you and will share with all your contacts if you do not pay them in bitcoin. They also threaten that they will come to your home if you do not comply.
Excerpt –
“I know that calling 970-xxx-xxxx or visiting 3019 “your address here” would be a convenient way to contact you in case you do not take action. Don't try to hide from this. You have no idea what I'm capable of in Fort Collins.
I suggest you read this message carefully. Take a minute to relax, breathe, and really dig into it. 'Cause we're about to discuss a deal between you and me, and I ain't playing games. You do not know me but I know EVERYTHING about you and you must be thinking how, right?”
They say they have been watching me in my home by taking over my phones camera. What they want is $1950.00 in Bitcoin:”
This is a scam. Your home address and phone number are public, and they can get a picture of your home from the internet. They want you to be scared and think they really are close by and have damaging information. They are using FEAR (all scams have an emotion tied to it) to get you to comply. Move the email to your SPAM folder and delete. Please also note that scammer’s favorite method of payment is Bitcoin. If someone asks for payment this way -- it is a scam.
LAW ENFORCEMENT IMPERSONATION
THIS IS STILL OUR #1 SCAM! The impersonator caller ID might say Sheriff’s Office – but the number is spoofed. They might even send or text you a warrant for your arrest! There are examples of these warrants at the end of this newsletter. This scam uses fear of being arrested and the scammer isolates you by telling you not to go to the Sheriff’s office to fix the warrant because you will be arrested on the spot, and you will have to sit in jail until the judge sets your bond. The scammer will ask you to pay on the phone – HANG UP! They can spoof the Sheriff’s office number or any other number! PLEASE PASS THIS WARNING ALONG TO EVERYONE YOU KNOW!
MARKETPLACE SCAM
Seller wants you to pay for an item upfront. Beware. You can lose your money and never get the product.
ONLINE ROMANCE/DATING/FRIENDSHIP
This is such an insidious scam since the scammer targets your need for companionship. Whether you connect on Facebook, dating site, or other venue, the scammer “grooms” you into trusting them, wants you to move your conversation to another site (that is not audited) and then will ask for money and let you think they will pay you back. Please use high caution when interacting on an online platform and never give anyone you have never met in person any money over the internet.
PHISHING AND SMISHING SCAMS
These scams pop up in your computer and cellphone daily! Remember the cautions – do NOT click on a link, and do NOT call the number provided in the email or text. If you do, you will be linked with the scammer directly. Contact the legitimate company to check on whatever the message is. At the end of this newsletter, there are some examples of these scams.
CHARGES FOR SOMETHING I DIDN’T ORDER
You receive an email that you are being charged for something you did not order so you call the number on the message (remember– do not call this number – it is the scammers number.) The scammer says s/he is going to get it fixed – so just open your bank account and he will get the refund put back in your account. Meantime, s/he opens a simulator on top of your account that allows him to make a “deposit” in your account to refund the amount. It looks like he is depositing right into your bank account, but he enters too many numbers and now has taken a $200 amount and made it a $2000 amount. He tells you to transfer it back to his account and then he can make the correct deposit to your account. What he does not say is that he has opened the back end of this simulator to make the changes look like they are going into your account – but they are not. So, you transfer from your actual account back to the scammer without realizing. Bottom line – please do NOT ever open your banking, credit card, or give access to your computer to anyone! These are phishing scams, and you really have not been charged.
SCAMMER METHODS OF PAYMENT – RED FLAGS!
Scammers use methods of payment that are not traceable. Beware if anyone asks you to pay via these methods –
Bitcoin (cryptocurrency) – pay at a kiosk (there are all over Larimer County) – these payments are untraceable. Note – if you have paid via this method and realize it was a scam, contact law enforcement immediately.Wire transferMoney/gift card (the code on the back is all they need to take your money)Zelle, Venmo, or other cash apps (only use these with your trusted friends/family)
PLEASE REMEMBER –
Never pay over the phoneNever giveaccess to your computer or personal informationLaw enforcementwill NEVER ask for money or personal information over the phone.Never let anyonetell you “not to tell anyone” or “don’t hang up.”Never click on alink from someone you do not know.Never call the phone number provided by someone you do not know.
Stay safe and thank you to all the contributors for sending me scams you are hearing about. I really appreciate hearing from you and getting the information on trending frauds so we can share the information with our citizens – and am always happy to hear that you are recognizing a scam and are taking the appropriate measures! If you have topics you would like me to cover – please email me with the subject and I will include it in our next newsletter.
Please share this information everywhere, and I am always willing to come to your group for a Scambuster presentation. If you have questions about a potential scam – feel free to email me or call me before you give your money or information.
Enjoy our Rocky Mountain fall weather!
We appreciate all of you. Keep sending me your scams and stories.
Barb
Barbara EJ Bennett
Chief Scambuster, Larimer County Sheriff’s Office
970-498-5146
Scambusters Newsletter #2024 – 8
Dear fellow Scambusters - this has been a busy month for the scammers (aka, creeps, low lifes, evil, bad actors, scumbags,etc.) I try extremely hard to be more PC (politically correct) but for those that know me, realize that the filter I was given at birth is flawed and does not work very well. So, I really try – but cannot produce a PC name for these blankity-blanks (fill in the blankity-blanks.) Here is an update on the scams from the last newsletter – please keep in mind that there are all the other scams I have shared that still are going strong so keep up your Spidey senses. I am also including some examples of real life losses to these scams – the scammers are getting better at stealing yourmoney or information every day.
LAW ENFORCEMENT IMPERSONATORS ARE HITTING HARD! PLEASE PASS ALONG THAT THIS IS A SCAM!! High losses on this scam! You did not miss jury duty, or failure to appear, and you do not have a warrant and should NEVER PAY over the phone or by bitcoin, wire transfer,Venmo, Zelle, etc. Losses are $2,000 and up.
ALEXANDER FIRE RECOVERY SCAMS
After any type of incident such as a wildfire,flood, etc., the scammers pop up. If you have any damage, they might offer a reduced rate to fix your property – pay a deposit and they will take care of it. Or help you with insurance claims – for a fee. Or they offer a way for you to donate to the victims – please know that scammers love to con you. There is one link you can go to for information on the resources for the fire – https://www.larimer.gov/alexander-mountain-fire-recovery and an approved donation site for the victims - https://nocofoundation.org/noco-disaster-recovery-fund/
Please be cautious if you are contacted.
ONLINE ROMANCE/DATING/FRIEND
Meet someone on-line and the scammer hacks your phone, downloads personal documents, contacts, pictures, etc. Then asks for money to keep them from sharing (some may be something not meant for public eyes). If you do not pay- they plaster your confidential and personal information across your contacts and public social media. No money lost, but so humiliating for the victim. In some cases, there is money lost, so please proceed with elevated level of caution on any of these meet-up venues.
ONLINE ROMANCE/DATING/FRIEND/MONEY LAUNDERING
Meet someone on a site (Bumble) – start up communications (email, phone, video chats, text messages.) They then want you to invest in bitcoin for them. They will send you the money. You refuse, so they ask you to accept their deposit and send it on to someone else they know will do it. This is called “money laundering” and is illegal.
SIGN A DOCUMENT OR CLICK A LINK
If you receive an email or text that you have not requested that asks you to sign a document or click on a link – DON’T! It is a scam.
FACEBOOK RENTAL SCAM
A “minister” (sounds legit - right?) posts rental properties she has –asks you to send her a deposit and pet deposit by Venmo. You cannot see the property until you pay but assures you it is refundable. She sets up a meeting for you to see the home but wants you to pay in full before you can meet. Venmo does not work so she asks for Apple cards. Guess who does not show up after you pay! The scammer!
GRANDPARENT/HUSBAND SCAM
The caller says your grandchild, wife, or husband was in an accident and hurt another driver. You need to contact this attorney to pay for the damages and get the accident cleared from your record. A grandparent lost $15,000 on this scam.
AIRLINES CUSTOMER SERVICE SCAM
Unhappy travelers with delayed or cancelled flights typically vent on social media (Crowd Strike glitch that grounded planes, weather delays, etc.) Scammers contact you and pose as airline customer service and ask for booking confirmation, phone, bankaccount, and/or send you to a spoofed site that takes your personal identity or makes charges on your account. If you have travel delays, contact your airline’s official site, or speak to an airline rep at the airport.
PAPER CHECKS – GOOD OR BAD?
When paying for home help or other services by check, please know that all your banking info is on your check and can be used to hack your bank accounts. Safer to use online banking with your bank. $17,000 loss from one victim when the scammer created a PayPal account with the information and transferred money into the PP account.
Paper checks can also be intercepted and“washed” to be a different amount and different recipient.
FACEBOOK POP-UP WINDOW SCAM
Pop up on your Facebook showing porn photos and a phone number to call to report. The scammer indicates the victim was hacked,and he will transfer you to Norton – the Norton rep said he was depositing $110 to your account to confirm it is working, but instead deposits $11,000. The scammer accuses the victim of theft and wants the money returned via bitcoin. When the victim doesn’t want to use bitcoin, the scammer has him transfer the $11,000 to a Thailand bank account but warns not to tell the bank what it was for and to say it was a repayment of a loan. The victim lost $11,000.
OUT OF TOWN PROPERTY SALE SCAM
A realtor gets a call from an out of town“seller” and requests the realtor sell his property but wants to use his own notary and do everything online. This scammer does not really own this property and wants a quick sale so s/he can get the proceeds and disappear.
YOUTUBE SCAM
A video from Tesla appears on YouTube with an announcement from Elon Musk encouraging people to scan the QR and invest in bitcoin. Musk would invest and double it – with the doubled amount to be sent to the victim within 5 minutes. Loss $10,000.
In another YouTube scam, someone supposedly sharing recipes offers you a great deal from Omaha Steaks – the deal is only good for a short time – the scammer uses urgency to get you to sign up! Omaha steaks never sells a package of their steaks for $7.98 – if it sounds too good to be true – it is. The scammer now has your credit card information.
FACEBOOK MARKETPLACE SCAM
Buyer places an ad for a motorcycle part – the “seller” has the part, and the buyer pays through Marketplace and receives a tracking number. The tracking number is bogus. $350 loss.
TELEMARKETING SCAM
While setting up Amazon on a Xfinity TV, the scammer got into the webpage and the victim received an alert that his prime TV was locked and was told to buy gift cards to unlock it. Loss 660.
WHAT’S APP EMPLOYMENT SCAM
Scammers offer remote jobs up to $600 a day but you must give them your social security number to prove you are old enough. Please remember – never share your personal information!
I know I sound like a broken record – but please remember that scammers use payment methods like bitcoin, money cards, transfers, Venmo, Zelle, etc.because they are untraceable. If someone wants you to pay this way – RUN AWAY!
Stay safe and thank you to all the contributors for sending me scams you are hearing about. I really appreciate hearing from you and getting the information on trending frauds so we can share the information with our citizens – and am always happy to hear that you are recognizing a scam and are taking the appropriate measures! If you have topics you would like me to cover – please email me withthe subject and I will include it in our next newsletter.
Please share this information everywhere, and I am always willing to come to your group for a Scambuster presentation. If you have questions about a potential scam – feel free to email me or call me before you give your money or information. Please do not hesitate to report a scam - these scammers are getting more believable all the time.
Enjoy our Rocky Mountain CRAZY weather as we move into late summer/early fall.
We appreciate all of you. Keep sending me your scams and stories.
Barb
Barbara EJ Bennett
Chief Scambuster, Larimer County Sheriff’s Office, 970-498-5146
Scambusters Newsletter #2024 - 7
Our summer days are really heating up – and the nasty scammers have turned up the heat on two scams – the law enforcement impersonation and now combines that with non-payment of your PPP loan back in the Covid days.
There have been an enormous amount of law enforcement imposters calling our citizens saying they have a warrant that they need to pay for via wire transfer, Zelle, Venmo, cash apps, money cards, kiosk, or bitcoin. It could be for missing jury duty, appearing at a grand jury, or as a witness. They also say you will be arrested on the spot if you go into the Sheriff’s office to check on whether you have a warrant or not. They may even ask you to download a tracking app so they can see where you are driving to ensure you are going to the payment location. PLEASE pass along to all your family, friends,network, everyone you know, that this is a SCAM! LE will never call you and ask you to pay via phone. They may even send you a very legitimate looking warrant (see at end of newsletter.)
PPP LOAN SCAM (Payroll Protection Program)
This is a twist on the LE impersonation scam –it involves the PPP loan program during the Covid era. Our citizens are getting calls from a man with the PPP loan number, etc. and telling the person they have a warrant for non-payment and they must pay cash– they direct the citizen to stay on the phone, go to their bank and get $4,000 in cash, and meet at a “bond location” which turns out to be a gas station.
PAY DAY LOAN SCAM
The scammer calls and wants to collect on an old Pay Day loan you took out 3-4 years ago. It is for $1,300 but if you pay $500, they will call it good. They give you payment options. They cannot send you any documents proving you actually took out the loan. They do send you a document to sign indicating you owe them this money and wants you to provide your bank information to have them take out the payment. The number they call from looks local, but actually is from the East coast.
ROMANCE/DATING SCAMS
It could start on Facebook, a dating site, or other social media. The scammer is smooth –they get information from you so they can use it to “groom” you into trusting them. They cannot meet in person, (military, oil rigging station, Doctors Without Borders, etc.) When they have you in their web, they start asking for money. They have all sorts of reasons why they need your money. They can also promise to pay you back. These scammers are the worst of the worst. They prey on our hearts and emotions and do not care how much it hurts others. They typically are offshore, although some can be in the US. They use photos from the internet. Please beware of these sleazy operators.Never send them money.
LOST ANIMAL SCAM
NOCO Humane shares the following scam warning –
"We have been notified of phone scams taking place regarding lost animals. Please know that NOCO Humane will never request money from you over the phone, or through an electronic app, as a way for you to reunite with your pet."
The reports we've received explain that the scammer will target those who have lost a pet, falsely claim to be with NOCO Humane, and tell the owner that if they pay over the phone "right now," they can proceed with immediate veterinary care and their pet will be ready for pickup.
Please be cautious of suspicious calls and messages. NOCO Humane WILL call you if your contact info is on a lost pet's microchip ID or license tag, but any subsequent transactions would take place in-person at NOCO Humane. If you ever have doubts or concerns, do not hesitate to reach out to either of our shelter campuses for confirmation.
SPOOFING – what the heck is it?
The three most common spoofing we see are email, text, and phone.
Email spoofing: change an email address, display name, or website URL to appear as if they are from a known source. Example - an email is from Netflix but the domain name they use is “netffix.com". Spoofed emails can include typos, poor spelling or grammar, or logos or colors that look slightly wrong.Caller ID spoofing: they change the number that appears on Caller ID.Text message spoofing: change the sender information on a text message.
How to reduce spoofing:
Email spoofing: The protocol for emails (SMTP) does not require authentication, therefore there is no way to completely stop this spoofing. There are ways you can reduce these spoofing emails:
Use a separate email account for signing up to sites or subscriptions. I use bjbads@--- for everything but my personal email.Use a strong email password and change it regularly to protect against data breaches.Use a spam filter.
Website spoofing: Fraudulent website resembling a legitimate one. It will look similar, use the logo, etc. but are developed to get your log-in details and may even leave malware on your computer. Things to look for:
Ensure the website starts with https:// and not http: (s=secure) and a lock symbol in the address barPoor spelling, grammar or logos that seem “off.”Use a password manager – these autofill credentials do not work on spoofed websites.
Caller ID or phone spoofing: Using false caller ID information to disguise their identity. Voice over Internet Protocol (VoIP) is a technology that allows these scammers to use any phone number and caller ID to make you think it is local or an official agency (i.e., they can spoof our sheriff’s office number in the law enforcement scam.) Things you can do:
Use an app or your phone service’s spam filter.Let your calls go to voicemail unless you know the caller.
Text message spoofing: Fake sender (business, organization, or person) with links to click on (to get your information and/or leave malware). Precautions to take -
Never click on a link. Go directly to the legitimate business.Never click on “password reset”Banks,credit card companies, and other businesses will never ask you for personal information in a text.Prizes or discounts in a text fall into the “too good to be true” category.
Stay safe and thank you to all the contributors for sending me scams you are hearing about. I really appreciate hearing from you and getting the information on trending frauds so we can share the information with our citizens – and am always happy to hear that you are recognizing a scam and are taking the appropriate measures! If you have topics you would like me to cover – please email me with the subject and I will include it in our next newsletter.
Please share this information everywhere, and I am always willing to come to your group for a Scambuster presentation. If you have questions about a potential scam – feel free to email me or call me.
Enjoy our Rocky Mountain summer!
We appreciate all of you. Keep sending me your scams and stories.
Barbara EJ Bennett
Chief Scambuster, Larimer County Sheriff’s Office
970-498-5146
Scambusters Newsletter #2024 - 5
Welcome to the May edition of Scambusters! This is the time for flowers to bloom along with the weeds (new scammers) and bind weeds(old scammers with long roots.) Let us spray weed disintegrators on the new and old scammers.
Here is what is popping this last month.
WHY DO SENIORS NOT LISTEN TO THEIR ADULT CHILDREN?
Parents, (me included), believe that we are the ones teaching our children, not the reverse. It makes us parents feel a bit stubborn when told what to do by our kids. That being said, it is difficult for anyone to admit to falling for any scam, so if your adult children tell you it is a scam, you really don’t want to believe it. Seniors believe in the best of people and find it difficult to realize how some people could be so devious and manipulating to take their hard-earned money. Our kids have been raised in a different world – so it is easier for them to believe there are low-life people sharing our planet that have no problem with taking your last dime. Bottom line -? Your adult children are right about it being a scam.
WHY DO VICTIMS NOT REPORT BEING SCAMMED?
It is so humiliating and embarrassing. “I really don’t want anyone to know I fell for a scam.” “My kids told me it was a scam, and I didn’t believe them.” “I thought I was smart enough to see through it – I feel so dumb now.” Bottom line -? These scammers are getting more sophisticated, manipulative, smooth, and credible, and use technology to help make you believe them. The most intelligent humans can fall victim to these low-life scammers. Reporting helps others to be on guard and helps agencies like the Federal Trade Commission and the FBI investigate fraud rings.
ROMANCE/COMPANIONSHIP/DATING SCAMS
People of all ages want and need companionship from others. These types of scams hit every age but are particularly devastating to seniors. They lost a spouse or partner, or moved to a new city, or lost longtime friends. Scammers seek out vulnerable humans and start the grooming process. They learn your likes and dislikes and try to share that they also are just like you. They learn what you want to hear and provide that to you. Then they ask for money. Once you have given the scammer money, they will share your information with other scammers so you will be a target for other types of scams. Here is a link to an interview that Brian Maas of CBS did with a 65-year-old woman in a “relationship” with Keanne Reeves. Please take a few minutes to listen to this interview.
https://www.cbsnews.com/amp/colorado/news/keanu-reeves-scam-colorado-woman-latest-victim-online-dating/
IMPOSTER SCAM
Larimer County is still experiencing a high volume of law enforcement frauds so be ready to hang up on any “deputy,” “officer” that calls and says you have a warrant. They may use the actual name of one of our LCSO or FCPD employees and may even spoof our main number. LE WILL NEVER CALL YOU AND ASK FOR MONEY! In some cases, the scammer wants you to go to a kiosk to pay – (usually crypto). Please just hang up.
There are other imposter scams that you should be aware of. Recently, Andy Cohen (Bravo host), fell victim to an intricate imposter scam. He lost his debit card and then received an email from his bank. He was supposed to click on a link – but he did not check the email address before clicking on the link. It had him sign into his bank and provide information. The next day he got a text from his “bank” to check the charges on his card. He thought it was his bank so continued providing information and getting codes. Bottom line -? Andy Cohen’s scammers received multiple wire transfers from his account to the scammer. Here is the link to his story – he shares it, so others will not fall for it.
https://www.today.com/video/andy-cohen-recounts-ordeal-of-losing-money-in-elaborate-scam-201669701981
OVERDUE TOLL CHARGES SCAM
If you receive a text message indicating you have overdue toll charges and to click a link to pay them to avoid large late fees, it is from a tolling agency collecting these overdue charges. Do not click on the link! Tis a scam!! If you want to double-check, contact your legitimate tolling agency – not the one in the text. Typically, the toll agency has your credit card and will keep a certain balance for your toll charges. They will charge your card for additional money if you run short.
ARTIFICIAL INTELLIGENCE (AI)
AI is used to provide fake reviews for products sold online, fake news about political candidates, fake websites, and more. It can replicate a voice to make you think you are talking to someone you know, change a normal picture into porn, or make you think you are communicating with law enforcement, your bank, credit card holder, or other business.
PHISHING SCAMS
I received an email from someone called “Emperor” asking me to help him get his bitcoin loss from a recent scam back for him. He said he was an African living in the Middle East and could not get any help so hoped I would help him. Guess he thought he could scam the Scambuster.
Another email wanted me to get a concealed weapons permit without going through the proper channels or getting trained to use a weapon, getting fingerprinted or photographed and avoiding all government agencies. It was from “MooreAmmo.com” and asked that I click on the link to see if I qualify.
ANIMAL RESCUE OR SALES
There are some nefarious scammers pretending to be rescuers or breeders. Be extremely cautious about any entity out of state that you cannot validate that they are who they say they are. Many will say they will transport but you must pay for the adoption ahead of time. Please carefully research any animal rescue or breeder before taking the leap. If you want help checking them out, let me know.
KEEPING PASSWORDS SAFE (AND REMEMBERING THEM) AND MULTI-FACTOR AUTHENTICATION
There are a lot of ways that scammers can get access to your accounts and passwords. Changing passwords frequently helps in case of data breaches, but really is a pain in the ankle. Multi-factor authentication is really a valuable tool to help protect you. In addition, there are Passkey applications (free and for purchase) that will help assign strong passwords and keep them accessible to only you, which means they are safer than other methods. Plus, you do not have to try to remember what password you set up. There are a lot to choose from so research whether you want to pay or use a free one. Also check to see if there have been any data breaches with the app – if so, choose another.
Scammy Scammers will use the following to get you to act right away!
- pressure to act now.
- say what I tell you to say.
- do not go to LE or you will be arrested on the spot.
- do not hang up.
- move your money to keep it safe from hackers.
- withdraw money and buy gold, bitcoin ATM, or gift cards to keep it safe from hackers.
- let me transfer you to my supervisor/agent/…….
REMEMBER: If you are reacting to an email, phone call, text, or social media offering, and feel fear, excitement, sense of urgency, curiosity, or other emotion - please do NOT act - it is a scam. If you were in your rational thinking mode, rather than an emotional reaction, you would see the red flags. Scammers want you to be compliant so you will give them what they want. Always keep in mind – if it seems too good to be true – it is! Listen to your instincts. And if you are asked to pay by cryptocurrency (bitcoin), wire transfer, cash apps (Venmo, Zelle), or gift/money cards – it is a SCAM!
Stay safe and thank you to all the contributors for sending me scams you are hearing about. I really appreciate hearing from you and getting the information on trending frauds so we can share the information with as many citizens as possible– and am so happy to hear that you are recognizing a scam and are taking the appropriate measures!
Please share this information everywhere, and I am always willing to come to your group for a Scambuster presentation. If you have questions about a potential scam – feel free to email me or call me.
I hope you enjoy this gorgeous spring where everything is lush and green!
We appreciate all of you. Keep sending me your scams and stories.
Spring is trying to visit but not on a daily basis yet, but it is beautiful to see all the buds and green even though our winter was pretty mild. This month has seen scams budding out all over as well, unfortunately. Here are the highlights:
SCAM ALERT
The law enforcement/government agent scam is still going strong! PLEASE share the word that these are all scams. You did not miss jury duty, testifying as an expert witness, or nefarious uses of your social security number, or money laundering, etc. Law enforcement and government agents will NEVER call you and ask for money on the phone. Especially using payment methods like Venmo, Zelle, wire transfer, money card, bitcoin. The FTC is starting to get some teeth against these scams – click here for their press release. This link is OK!
SEARCHING FOR SOCIAL SECURITY ADMINISTRATION
Companies can pay Google to use key words when someone is searching and make their company pop us first. A citizen was searching for the Social Security Administration and the first pop up was “Sponsored – Justanswer.com” which gave the impression she could chat with an agent. Justanswer asked for personal information which she gave without realizing it was not social security with which she was chatting. Here is what popped up. Always be cautious about “Sponsored” links.
IRS TAX SEASON SCAM
Someone calls/texts/emails you identifying as an IRS agent demanding you pay your back taxes immediately via crypto, wire transfer, Venmo, Zelle, money cards. They might instead tell you about a refund you are entitled to, but they need our personal information to get it to you. STOP! According to the IRS.gov --
The IRS does not initiate contact with taxpayers by email, text messages or social media channels to request personal or financial information.
The IRS will not call, text, or contact you via social media to demand immediate tax payment. We begin with a letter in the mail and explain how you can appeal or question what you owe. If you are unsure whether you owe money to the IRS, you can view your tax account information on IRS.gov. Beware of phone scams.
TAX INVESTIGATIONS/FEDERAL TAX AUTHORITY SCAM
You receive a tax bill and an “intent to seize your assets and property” if not paid within 7 days. It includes a number to call (please remember NEVER to call the number in the message). The following is an actual mail notice – check out the poor grammar and multiple locations (Washington, Larimer County with postage paid in Texas), and two different agency names – Tax Investigations and Federal Tax Authority. Do not pay – do not call the number provided (unless you want to chat with the scammer, but I do not advise that.)
NEW TWIST ON COMPUTER VIRUS SCAM
A pop-up appears on your screen – freezes it – and tells you to call to get the virus fixed. The new twist, according to the FTC, is now they might tell you to call a number and they tell you someone hacked your bank account, investment or retirement account and is using it for fraudulent activities. The person tells you they want to help you fix this and might transfer you to someone identifying themselves as an agent of the FTC, FBI, your bank’s fraud department, or other government agency. They sound professional. How they want to protect your money is to have you move your money to a new account (that the scammer has set up and will then take your money and run.) Or they may ask you to buy bitcoin and share the account, withdraw cash, buy gold, or gift cards and give the code on the back to them. Here are the red flags to watch out for:
- Pop-up warnings are ALWAYS a scam. Turn your computer power off and restart to clear the screen.
- NEVER move your money to protect it – only the scammer asks you to do that.
- NEVER share our verification code with anyone.
- CALL your legit bank, broker, or investment advisor if you are worried about this.
CENSUS BUREAU SURVEY – REAL OR SCAM?
One of our Larimer County citizens suggested it would be good to share the legitimate process for the various Census Bureau surveys and how to identify it as legit. Thank you for sharing this! Here is a link to give you the details on the surveys and processes so you know if it is real. (This link is OK.)
SOCIAL SECURITY STATEMENT EMAILS SCAM
The email tells you to open a document to see your social security statement. In this email, one line reads “Because you have slected paperless delivery you’ll get the following document electronically” and gives you a link. Honestly, the social security administration knows how to spell “selected” so this is a big red flag in addition to the email origination of 7xx11@sxnsilvestre.edu.pe. Do not click on this link.
FACEBOOK MARKETPLACE PROPERTY RENTAL SCAM
A rental post for a brand-new home in Johnstown for $1800 a month. When “owner” is contacted by phone, the “owner” directs you to a link to fill out a form with personal information. Turns out this “owner” lives in Las Vegas and is a scammer and is NOT the owner. This is a popular scam across Marketplace, Craigs List, etc. Always do your research before giving out personal information or deposit.
SOCIAL SECURITY SUSPENSION SCAM
Scammers always want you to call them or click on a link. This is a scam – do not call them.
PUBLISHERS CLEARING HOUSE SCAM – HOT OFF THE PRESS
I just received two phone messages on my cell asking me to call them because I won the first prize. I won $2.5m and all I have to do is pay 1% of the “government consumption tax” of $2,500 and they will pay the rest of the $85k tax. They gave me an account number at Merchant Bankers and a NY phone number to call when I deposit it. Then I also won $8k/month and all I have to do is get a money card here locally and give the the code and they will deposit this monthly on this gift card. BEWARE! (When I introduced myself as the Scambuster he disappeared. Strange. )
REMEMBER: If you are reacting to an email, phone call, text, or social media offering, and feel fear, excitement, sense of urgency, curiosity, etc.– please do NOT act - it is a scam. If you were in your rational thinking mode, rather than an emotional reaction, you would see the red flags. Scammers want you to be compliant so you will give them what they want. Always keep in mind – if it seems too good to be true – it is! Listen to your instincts. And if you are asked to pay by cryptocurrency (bitcoin), wire transfer, cash apps (Venmo, Zelle), or gift/money cards – it is definitely a SCAM!
Stay safe and thank you to all the contributors for sending me scams you are hearing about. I really appreciate hearing from you and getting the information on trending scams so we can share the information to as many citizens as possible – and am so happy to hear that you are recognizing a scam and are taking the appropriate measures!
Please share this information everywhere, and I am always willing to come to your group for a scam presentation.
I hope you enjoy the spring days mixed with wintry days! The grass is green! We appreciate all of you. Keep sending me your scams and stories.
Happy heart month and leap year! So far, our spring-like weather is amazing. 20 days until the real spring – but who is counting!
Here is an overview of the scams that have popped up this last month (not tulips):
FYI – CAUTION NOTE
Once someone has been scammed with losses, the scammers share a list of targets for other scammers to prey on the target with another scam. It is so important for extra vigilance if you have lost money in a scam going forward. These scammers are continually getting more sophisticated and sneakier so please be very vigilant.
SPIDER WEB THEORY
After discussing so many scams with victims, I realized that not only does each scam have an “emotion” tied to it that pulls you in – but the scammer’s process of gaining your trust, grooming, etc., is like the layers of a spider web. The first layer is just very innocent, the next layer continues to build up trust, and each layer brings you deeper into the web until you are ensnared into the scammer’s web, and it is too late. Please keep this in mind if you are contacted by someone and you start feeling these layers – jump out of the web as quick as you can.
FACEBOOK FRIEND
It starts innocently enough – someone contacts you on Facebook – may have a common friend of yours (starting to building that trust – first layer of the web) – you become friends and then you link up on Instagram, WhatsApp, Messenger, etc. to continue the friendship – person claims to be an important person, military officer, United Nations doctor, or other title - can lead into a romantic friendship as you move into the layers (although you will never meet in person because he is out of the country or state) – may send flowers, or other gifts (grooming and gaining trust) – then pops up with the need for money (investment, partnership, or some other excuse for you to pay) – requests money by bitcoin or wire transfer (scammers’ preferred methods of payment) – may have you pay others to get him out of trouble – and the scam continues as long as you continue to pay. In addition, if you say no at some point, the scammer may ghost you (even after he professed his undying affection.) But – as mentioned earlier, the scammers have a “target list of vulnerable people that have lost money to a scam. The “target” is now contacted by a different scammer and a new scam starts all over.
You may think it is easy to see through this type of scam – but I assure you, it is most difficult since there is an emotion and a web tied to it that is very believable, very sophisticated, and the scammer is very patient with leading you through the various web layers of grooming and developing your trust.
This particular scam can result in an extremely high loss for the target – in money and emotionally.
SCAM LOSS RECOVERY SCAM
This is a doozey. You have been scammed with losses, and you are then contacted by someone that offers to help you get your losses back. The someone could be an agency (fake) set up to get your money back (for a fee). Or it could be someone pretending to be an officer, an FBI agent, or someone else in authority that is going to investigate and get your losses back to you. This is a total scam. You are being re-scammed by scammers and will lose even more of your hard-earned finances.
USPS CANNOT DELIVER YOUR PACKAGE
The message requests you to click on the link to put in your address to have it delivered. This is a phishing scam – just delete.
REMOTE ACCESS TO YOUR COMPUTER
Scammers call to fix a virus on your computer, or a phony alert from a bank indicating there was fraud on your account and they needed to have remote access to your computer. If you agree, the scammer can download all your personal banking, contacts, credit cards, etc. from your computer and clean out your bank accounts and/or leave malware on your computer. PLEASE never give anyone access to your computer unless it is a reputable computer repair firm like Geek Squad or other approved computer firms.
VOTING RECORDS BLOCKING
Public voting records are available which include your name address, phone, gender, political affiliation. The Secretary of State has other personal information such as social security, DL #, etc. but does not make that public. If you wish to become a “confidential voter” to protect your information, you can go to the Larimer County offices on W. Oak to fill out the forms for this. It must be done in person and does not allow you as the voter to access whether your ballot has been received. You can, however, call the office to find out this information after you have voted.
200 W Oak St, Suite 5100, Fort Collins, CO 80521
PO Box 1547, Fort Collins CO 80522
WHY FILE A FRAUD REPORT ON FEDERAL TRADE COMMISSION (FTC) OR THE FBI’S INTERNET CRIME COMPLAINT (IC3)?
The power of ReportFraud.ftc.gov
Your report is shared with more than 2,800 law enforcers.
We cannot resolve your individual report, but we use reports to investigate and bring cases against fraud, scams, and bad business practices.
The information you submit to IC3 makes all the difference.
Combined with other data, it allows the FBI to investigate reported crimes, track trends and threats, and, in some cases, even freeze stolen funds. Just as importantly, IC3 shares reports of crime throughout its vast network of FBI field offices and law enforcement partners, strengthening our nation’s collective response both locally and nationally.
You still need to report to your local law enforcement agency, but in addition, these two reporting sites are invaluable to share key information across agencies to spot trends and help stop fraud and bad business practices.
REMEMBER: If you are reacting to an email, phone call, text, or social media offering, and feel fear, excitement, sense of urgency, curiosity, etc.– please do NOT act - it is a scam. If you were in your rational thinking mode, rather than an emotional reaction, you would see the red flags. Scammers want you to be compliant so you will give them what they want. Always keep in mind – if it seems too good to be true – it is! Listen to your instincts. And if you are asked to pay by cryptocurrency (bitcoin), wire transfer, cash apps (Venmo, Zelle), or gift/money cards – it is definitely a SCAM!
Stay safe and thank you to all the contributors for sending me scams you are hearing about. I really appreciate hearing from you and getting the information on trending scams so we can share the information to as many citizens as possible – and am so happy to hear that you are recognizing a scam and are taking the appropriate measures!
Please share this information everywhere, and I am always willing to come to your group for a scam presentation.
I hope you had a wonderful heart month and are ready to celebrate the St. Pat’s month!
My wish for this new year is that the world rights itself, our people come together rather than apart, and that the scammers realize we are closing our ranks so they can just get a real job. Alas, one can always hope.
Scammers are ramping up their game, so we have to be even more wary as we move into this new year. Here are the scams that have bubbled up to the top for this last month. Please stay vigilant.
TOP SCAM AGAIN –
Law enforcement impersonation – you missed appearing in court, you missed jury duty, you have a warrant for contempt of court, etc. The person identifies as Detective so and so from LCSO. The scammer indicates that you can go directly to LCSO and they will arrest you immediately for 72 hours, or you can pay over the phone. The scammer also tells you that LCSO moved to a third-party collection so that is why they can take your money on the phone.
GRANDPARENT SCAM
Your grandchild is really not in danger when s/he calls and asks for money to get out of jail. Just hang up. If you want to confirm after you hang up – call them.
HOME TITLE
Although not prevalent in Larimer County, we have seen someone try to falsify deeds to take over a property. This type of fraud is where someone forges a deed to steal your home. The scammer can apply for a home equity loan or line of credit in the homeowner’s name or even sell the home without the owner’s knowledge. Larimer County has started a notification program called RAN (Recording Activity Notification) to be one tool to help prevent title fraud. It is by no means the end all, but it will be one thing you can do to protect yourself. It is extremely easy – I have signed up with every version of my name to be sure. Here is more info on this resource –
Recording Activity Notification
The Recording Activity Notification Service allows community members to create an alert to receive an email notification when a document is recorded in their name. This service is provided by the Larimer County Clerk and Recorder at no charge.
To protect your home title, there are some ways you can prevent this from happening, in addition to purchasing title protection. Here are some tips:
How does the scammer get your information?
- Data breaches
- Unsecured Wi-Fi network
- Mail theft
- Document loss/giving out your personal information.
Prevention tips
- Watch your mail – if your bills and normal mail are not being delivered it may be a sign that someone has changed your address to the scammer’s.
- Keep track of your important documents – store safely away
- Monitor your credit report regularly to catch suspicious activity, new accounts being opened or changes to your existing accounts.
- Guard your personal information. Shred documents with your information on it, leave your social security card, birth certificate safely stored at home, and never give out your personal information via phone or internet unless you are certain to whom you are providing it.
- Check out “owner’s title insurance.” If you do not have this or you cannot get it, do your research before purchasing title protection services.
PHISHING EMAILS
There are so many of these hitting your inbox daily. Here is what to look for –
From: L͏a͏s͏t͏ C͏a͏l͏l͏ :S͏i͏r͏i͏u͏s͏-X͏M͏ <szjignysonwihsosmadxl@edspyvllruvyz.com> NOT A LEGIT EMAIL
Subject: A͏l͏e͏r͏t͏:Y͏o͏u͏r͏ S͏i͏r͏i͏u͏s͏X͏M͏ M͏e͏m͏b͏e͏r͏s͏h͏i͏p͏ h͏a͏s͏ E͏x͏p͏i͏r͏e͏d͏...! E
From: Credit Bureau Reporting-Alert <clara@greenindias.com> NOT A LEGIT EMAIL
Subject: Your New January 2024 Scores are in, and you might be surprised
From: DocuSign via Documents <johnamos2723@gmail.com> NOT A LEGIT EMAIL
Subject: Contract
REVIEW YOUR DOCUMENTS AND CLICK HERE…..
From: Dicks Sporting Goods Department <limitedrwnanrpiyjoaljy@hongguxc.com> NOT A LEGIT EMAIL
Subject: Congratulation ! You have won a Stanley Tumbler
ANSWER FOR FREE! You have been chosen to participate in our Loyalty Program for FREE! It will take you only a minute to receive this fantastic prize. CLICK HERE TO BEGIN!
FACEBOOK NOTIFICATIONS
You get an important notice regarding your Facebook account – from various names like MARKUS BECK, ORLINO SUMPTER, INGELBERT MOCZYGEMBA, REMONIA MILLIMAN, KATJA METHES, ALERT SHIELD, FACEBOOK USER
It notifies you that -
“Your Facebook page is scheduled for permanent deletion due to a post that infringed upon our trademark rights. “
And to contact them if this is inaccurate. SCAM!
ARTIFICIAL INTELLIGENCE – VOICE CLONING
Now that we are in an election year, be especially careful about messages you receive. Read this article below about President Biden’s voice cloned message.
BY ALI SWENSON AND WILL WEISSERT
Updated 9:32 PM MST, January 22, 2024
The New Hampshire attorney general’s office on Monday said it was investigating reports of an apparent robocall that used artificial intelligence to mimic President Joe Biden’s voice and discourage voters in the state from coming to the polls during Tuesday’s primary election. Attorney General John Formella said the recorded message, which was sent to multiple voters on Sunday, appears to be an illegal attempt to disrupt and suppress voting. He said voters “should disregard the contents of this message entirely.”
REMEMBER: If you are reacting to an email, phone call, text, or social media offering, and feel fear, excitement, sense of urgency, curiosity, etc.– please do NOT act - it is a scam. If you were in your rational thinking mode, rather than an emotional reaction, you would see the red flags. Scammers want you to be compliant so you will give them what they want. Always keep in mind – if it seems too good to be true – it is! Listen to your instincts. And if you are asked to pay by cryptocurrency (bitcoin), wire transfer, cash apps (Venmo, Zelle), or gift/money cards – it is definitely a SCAM!
Stay safe and thank you to all the contributors for sending me scams you are hearing about. I really appreciate hearing from you and getting the information on trending scams so we can share the information to as many citizens as possible – and am so happy to hear that you are recognizing a scam and are taking the appropriate measures!
Please share this information everywhere, and I am always willing to come to your group for a scam presentation.
I hope you have a wonderful Valentine’s day and are enjoying the winter weather – especially when it is not fifteen below. We appreciate all of you.
Barb
Barbara EJ Bennett
Chief Scambuster Larimer County Sheriff’s Office 970-498-5146
Here comes Santa Claus, here comes Scammers, right down Santa Claus lane! Personally, I wish Santa would throw the scammers right off his sled on the way. But alas, they are blazing their way into our lives.
Here is the last month’s highlight of active scammers. Be very alert as we move into the Christmas season.
TOP SCAM – LAW ENFORCEMENT IMPERSONATOR!!!
This scam has really hit a lot of our residents. This scammer calls and identifies himself as Sgt. Kevin Johnston from LCSO. He has an urgent legal matter to discuss, you missed a court hearing, or failed to appear as an expert witness. We do have Sgt. Kevin Johnston working at the SO, but he is NOT the one calling. These scammers might give you a badge number, or other identification to make them seem more legitimate. Just hang up. It is actually a ring of scammers hitting many locations across the US. They always use the actual name of an officer. They will also ask you to pay via cash app (Zelle, Venmo, CashApp), wire transfer, or bitcoin to an address or at a kiosk.
FACEBOOK SPONSORED ADS – These are sponsored ads, which means the company pays Facebook to place an ad on other posts or just as a sales ad. Some have brand names on the product – some say that a well-known company has endorsed this product(s). If you hit “Shop Now” it will take you to a website that has nothing to do with the brand or company, they used to make it look legitimate. Other ads may tell you that a well-known “Doctor” or a well-known “celebrity,” or “Shark Tank” has endorsed a supplement or medical device that will change your life.
Do not believe these ads – most of the products are from China, using sneaky marketing practices to make you think you will get the product that they show. If you order the product, you may never receive it, or if you do, it will be a cheap version of what was shown on their ad. If you see a product advertised, go to Google or Amazon to search where you can buy that product from a legitimate company – with a good refund policy, usually a better price, and better product, and order it from that business. When a “Doctor” or “celebrity” sponsors a product that promises results, it really is not a doctor. Modern technology allows scammers to make up a phony video from a well-known doctor or celebrity endo. ng their product.
FREE GIFTS OR PRIZES ON SOCIAL MEDIA
Red flag – you won but they need your credit card info to give you the prize. Never give out your personal information.
EVENT TICKET PURCHASES THROUGH 3RD PARTIES Beware! Some of these companies charge way over the actual ticket price. Always go directly to the event center or theater for tickets. Sometimes you just pay too much, and other times you may not get the tickets at all.
YOUR ORDER IS BEING HELD AT THE POST OFFICE
Do not be fooled – they are just trying to get your personal information.
ONLINE SHOPPING
·Always ensure you are on a protected network – not public network – when ordering online
·Check website of sponsored ads on social media – scammers may promote products by using well-known companies but are not representing them. They use the brand name to entice you to their website to purchase.
·If you see something on sponsored ads you really would like, google the product, or check on Amazon for the same product. Purchase only from a reputable company that has a great refund policy. Typically, you can find the product elsewhere (and cheaper with a money back guarantee.)
·Scammers set up fake websites – buyers beware.
·Only use safe payment methods – no debit cards, money cards, wire transfers, bitcoin, or cash apps. A credit card ensures you can dispute a fraudulent charge.
AI (Artificial Intelligence)
This technology is used to create fake ads for products using famous celebrities as promoters (without their permission). Products include weight loss supplements, products from the Shark Tank TV program, and other various products. They will show a picture of a celebrity who just lost tons of weight, or built muscles without exercising, etc. Do not fall for these ads. AI is capable of creating fake pictures, fake websites, and fake endorsements.
REMEMBER: If you are reacting to an email, phone call, text, or social media offering, and feel fear, excitement, sense of urgency, curiosity, etc.– please do NOT act - it is a scam. If you were in your rational thinking mode, rather than an emotional reaction, you would see the red flags. Scammers want you to be compliant so you will give them what they want. Always keep in mind – if it seems too good to be true – it is! Listen to your instincts. And if you are asked to pay by cryptocurrency (bitcoin), wire transfer, cash apps (Venmo, Zelle), or gift/money cards – it is definitely a SCAM!
Stay safe and thank you to all the contributors for sending me scams you are hearing about. I really appreciate hearing from you and getting the information on trending scams so we can share the information to as many citizens as possible – and am so happy to hear that you are recognizing a scam and are taking the appropriate measures!
Please share this information everywhere, and I am always willing to come to your group for a scam presentation.
Wishes for a joyous holiday season. We appreciate all of you.
Barb
Barbara EJ Bennett
Chief Scambuster Larimer County Sheriff’s Office
970-498-5146
As we approach this holiday season, we wish each of you peace and joy going forward. Goblins are gone – but scammers are not! We will need to be very vigilant about the pitfalls of falling for scammers’ nefarious schemes to have us “gift” them our money and personal information!
In addition to all the other scams we have talked about, here are the ones to be especially alert for.
ONLINE SHOPPING
- Always ensure you are on a protected network – not public network – when ordering online
- Check website of sponsored ads on social media – scammers may promote products by using well-known companies but are not representing them. They use the brand name to entice you to their website to purchase.
- If you see something on sponsored ads you really would like, google the product, or check on Amazon for the same product. Purchase only from a reputable company that has a great refund policy. Typically, you can find the product elsewhere (and cheaper with a money back guarantee.)
- Scammers set up fake websites – buyers beware.
- Only use safe payment methods – no debit cards, money cards, wire transfers, bitcoin, or cash apps. A credit card ensures you can dispute a fraudulent charge.
BTC INVESTMENTS
Beware of the online investor that wants to share great investments in Bitcoin or another cryptocurrency. You will never meet in person. You will be investing in the scammer’s Bitcoin account. You are only able to pull money out after you have paid a minimum amount, and then you must pay a “fee – or taxes” (which goes directly to the scammer), and you will not get any money back from the fee or your initial investment.
Know any investment advisor you deal with – check his credentials – meet in person. Beware of these investment scammers! They might even use a well-known investor or CEO’s name. Do not believe them.
NEW PHANTOM HACKER
- Scammers may contact you via phone, email, text, or pop-up window on your computer and give you a number to call.
- Scammer tricks you into thinking foreign hackers have gained access to your financial accounts.
- Scammer instructs you to move all your money into a US Government account to protect your money from these scammers.
- They have you download software so they can get on your computer to “check for viruses” and to see if you have been hacked.
- They ask you to open your financial accounts to determine which account is most vulnerable to hackers (while they have control of your computer).
- You then get a call from someone from a financial institution giving you instructions on how to move your money via money transfer, cash, or wire conversion to cryptocurrency, to a safe government account.
- You are told not to tell anyone.
- You might also then get a call from an imposter from the government to make sure you are transferring your accounts to their ”safe” account.
Tips to remember – the US government never asks for money via wire transfer, cryptocurrency, or gift/prepaid cards. Never let anyone access your computer, never call the number provided in any message, never download any software on your computer or click on any links.
AI (Artificial Intelligence)
This technology is used to create fake ads for products using famous celebrities as promoters (without their permission). Products include weight loss supplements, products from the Shark Tank TV program, and other various products. They will show a picture of a celebrity who just lost tons of weight, or built muscles without exercising, etc. Do not fall for these ads. AI is capable of creating fake pictures, fake websites, and fake endorsements.
POSTAL LETTER FOR NEXT OF KIN FUNDS
A postal letter from overseas hits your mailbox. The administrative manager at a Vault of a Financial and Security Institute found $26m funds in their safety deposit vault that belongs to someone that could be related to you. This person offers you 40% of the money, she will keep 50% and 10% goes to charity if you accept their offer and cooperate. They also do not want you to tell anyone. Obviously, this is a scam.
DATA BREACHES
There have been various data breaches of large companies recently. One of the types of data leaks includes the collection of passwords. Since many of us use the same password and username across different websites or services, hackers can use these across other sites to gain entry. Password tips to reduce this risk – use two-factor authentication, use unique passwords across different systems and accounts, and make passwords complex.
LAW ENFORCEMENT IMPOSTERS AND FTC IMPOSTERS
Our citizens are still getting calls from law enforcement imposters indicating a bond is out for their arrest due to missing jury duty or other reasons. You also might get a call from someone impersonating an employee of the Federal Trade Commission demanding a payment, give you their badge number, or may say you won a prize, but you have to pay. The FTC never demands money, does not identify with a badge number, and never offers prizes. Law enforcement never asks for bond money on the phone.
SOCIAL SECURITY STATEMENT REVIEW
Email from a random sender telling you that your new social security statement is now available and to visit their link to review it. They even give you a password for your “protected” file. Please remember – never click on the link. This is not from the social security office.
EMAIL FROM FRIEND – DO ME A FAVOR
The latest twist is a “friend” asking if you could make an order from Amazon for her. She needed a gift card for her sick friend and her phone did not work. This is a new twist on the “do me a favor” scam circulating in the past.
YOU HAVE AN IMPORTANT DOCUMENT
Email from DocuSign (but the sender’s name is suspicious) wanting you to login with your email to check a document. They give you a link and a password to open the document. Total scam.
UPDATE PRIME PAYMENT INVALID INFORMATION
Another phishing scam to get you to click on the link.
YOUR SBA BUSINESS DEVELOPMENT GRANT IS APPROVED
Email from the US Small Business Administration (SBA) telling you of the approval of your business development grant. You just need to click the “Document Preview” link. This really isn’t from the SBA and they want you to click on the link for nefarious purposes.
SCAM VICTIMS’ COMPENSATION PAYMENTS
Gracie Hughes from London tells you the United Nations delegated her to pay 150 victims of scams $2.5m. She just needs your personal information to get you the ATM card with all this money on it. Dear Gracie – thanks but no thanks.
PAYPAL FRAUDULENT CHARGE/GEEK SQUAD RENEWAL/AVAST ANTI-VIRUS RENEWAL
These are all just phishing scams. Do not click and do not call their number.
FREE GIFTS!
Any email saying the company selected you for free gifts and to click here. Please remember – if it seems too good to be true – it is. What they really want is your personal information.
MILITARY SCAMS
Military members are targets for calls, emails, or texts from “officials in the VA” trying to get your personal information. Or they may offer free or discounted services for veterans, investment advice to help grow your retirement, or offer ways to get quick cash through a buyout of your pension benefits. Be aware that the VA will never call you for personal information or request payment. Only use vetted financial advisors and check with the VA directly for confirmation of the legitimacy of the caller.
REMEMBER: If you are reacting to an email, phone call, text, or social media offering, and feel fear, excitement, sense of urgency, curiosity, etc.– please do NOT act - it is a scam. If you were in your rational thinking mode, rather than an emotional reaction, you would see the red flags. Scammers want you to be compliant so you will give them what they want. Always keep in mind – if it seems too good to be true – it is! Listen to your instincts. And if you are asked to pay by cryptocurrency (bitcoin), wire transfer, cash apps (Venmo, Zelle), or gift/money cards – it is definitely a SCAM!
Stay safe and thank you to all the contributors for sending me scams you are hearing about. I really appreciate hearing from you and getting the information on trending scams so we can share the information to as many citizens as possible – and am so happy to hear that you are recognizing a scam and are taking the appropriate measures!
Please share this information everywhere, and I am always willing to come to your group for a scam presentation.
Wishes for a joyous holiday season. We appreciate all of you.
Barbara EJ Bennett
Chief Scambuster Larimer County Sheriff’s Office 970-498-5146
As we approach this holiday season, we wish each of you peace and joy going forward. Goblins are gone – but scammers are not! We will need to be very vigilant about the pitfalls of falling for scammers’ nefarious schemes to have us “gift” them our money and personal information!
In addition to all the other scams we have talked about, here are the ones to be especially alert for.
ONLINE SHOPPING
- Always ensure you are on a protected network – not public network – when ordering online
- Check website of sponsored ads on social media – scammers may promote products by using well-known companies but are not representing them. They use the brand name to entice you to their website to purchase.
- If you see something on sponsored ads you really would like, google the product, or check on Amazon for the same product. Purchase only from a reputable company that has a great refund policy. Typically, you can find the product elsewhere (and cheaper with a money back guarantee.)
- Scammers set up fake websites – buyers beware.
- Only use safe payment methods – no debit cards, money cards, wire transfers, bitcoin, or cash apps. A credit card ensures you can dispute a fraudulent charge.
BTC INVESTMENTS
Beware of the online investor that wants to share great investments in Bitcoin or another cryptocurrency. You will never meet in person. You will be investing in the scammer’s Bitcoin account. You are only able to pull money out after you have paid a minimum amount, and then you must pay a “fee – or taxes” (which goes directly to the scammer), and you will not get any money back from the fee or your initial investment.
Know any investment advisor you deal with – check his credentials – meet in person. Beware of these investment scammers! They might even use a well-known investor or CEO’s name. Do not believe them.
NEW PHANTOM HACKER
- Scammers may contact you via phone, email, text, or pop-up window on your computer and give you a number to call.
- Scammer tricks you into thinking foreign hackers have gained access to your financial accounts.
- Scammer instructs you to move all your money into a US Government account to protect your money from these scammers.
- They have you download software so they can get on your computer to “check for viruses” and to see if you have been hacked.
- They ask you to open your financial accounts to determine which account is most vulnerable to hackers (while they have control of your computer).
- You then get a call from someone from a financial institution giving you instructions on how to move your money via money transfer, cash, or wire conversion to cryptocurrency, to a safe government account.
- You are told not to tell anyone.
- You might also then get a call from an imposter from the government to make sure you are transferring your accounts to their ”safe” account.
Tips to remember – the US government never asks for money via wire transfer, cryptocurrency, or gift/prepaid cards. Never let anyone access your computer, never call the number provided in any message, never download any software on your computer or click on any links.
AI (Artificial Intelligence)
This technology is used to create fake ads for products using famous celebrities as promoters (without their permission). Products include weight loss supplements, products from the Shark Tank TV program, and other various products. They will show a picture of a celebrity who just lost tons of weight, or built muscles without exercising, etc. Do not fall for these ads. AI is capable of creating fake pictures, fake websites, and fake endorsements.
POSTAL LETTER FOR NEXT OF KIN FUNDS
A postal letter from overseas hits your mailbox. The administrative manager at a Vault of a Financial and Security Institute found $26m funds in their safety deposit vault that belongs to someone that could be related to you. This person offers you 40% of the money, she will keep 50% and 10% goes to charity if you accept their offer and cooperate. They also do not want you to tell anyone. Obviously, this is a scam.
DATA BREACHES
There have been various data breaches of large companies recently. One of the types of data leaks includes the collection of passwords. Since many of us use the same password and username across different websites or services, hackers can use these across other sites to gain entry. Password tips to reduce this risk – use two-factor authentication, use unique passwords across different systems and accounts, and make passwords complex.
LAW ENFORCEMENT IMPOSTERS AND FTC IMPOSTERS
Our citizens are still getting calls from law enforcement imposters indicating a bond is out for their arrest due to missing jury duty or other reasons. You also might get a call from someone impersonating an employee of the Federal Trade Commission demanding a payment, give you their badge number, or may say you won a prize, but you have to pay. The FTC never demands money, does not identify with a badge number, and never offers prizes. Law enforcement never asks for bond money on the phone.
SOCIAL SECURITY STATEMENT REVIEW
Email from a random sender telling you that your new social security statement is now available and to visit their link to review it. They even give you a password for your “protected” file. Please remember – never click on the link. This is not from the social security office.
EMAIL FROM FRIEND – DO ME A FAVOR
The latest twist is a “friend” asking if you could make an order from Amazon for her. She needed a gift card for her sick friend and her phone did not work. This is a new twist on the “do me a favor” scam circulating in the past.
YOU HAVE AN IMPORTANT DOCUMENT
Email from DocuSign (but the sender’s name is suspicious) wanting you to login with your email to check a document. They give you a link and a password to open the document. Total scam.
UPDATE PRIME PAYMENT INVALID INFORMATION
Another phishing scam to get you to click on the link.
YOUR SBA BUSINESS DEVELOPMENT GRANT IS APPROVED
Email from the US Small Business Administration (SBA) telling you of the approval of your business development grant. You just need to click the “Document Preview” link. This really isn’t from the SBA and they want you to click on the link for nefarious purposes.
SCAM VICTIMS’ COMPENSATION PAYMENTS
Gracie Hughes from London tells you the United Nations delegated her to pay 150 victims of scams $2.5m. She just needs your personal information to get you the ATM card with all this money on it. Dear Gracie – thanks but no thanks.
PAYPAL FRAUDULENT CHARGE/GEEK SQUAD RENEWAL/AVAST ANTI-VIRUS RENEWAL
These are all just phishing scams. Do not click and do not call their number.
FREE GIFTS!
Any email saying the company selected you for free gifts and to click here. Please remember – if it seems too good to be true – it is. What they really want is your personal information.
MILITARY SCAMS
Military members are targets for calls, emails, or texts from “officials in the VA” trying to get your personal information. Or they may offer free or discounted services for veterans, investment advice to help grow your retirement, or offer ways to get quick cash through a buyout of your pension benefits. Be aware that the VA will never call you for personal information or request payment. Only use vetted financial advisors and check with the VA directly for confirmation of the legitimacy of the caller.
REMEMBER: If you are reacting to an email, phone call, text, or social media offering, and feel fear, excitement, sense of urgency, curiosity, etc.– please do NOT act - it is a scam. If you were in your rational thinking mode, rather than an emotional reaction, you would see the red flags. Scammers want you to be compliant so you will give them what they want. Always keep in mind – if it seems too good to be true – it is! Listen to your instincts. And if you are asked to pay by cryptocurrency (bitcoin), wire transfer, cash apps (Venmo, Zelle), or gift/money cards – it is definitely a SCAM!
Stay safe and thank you to all the contributors for sending me scams you are hearing about. I really appreciate hearing from you and getting the information on trending scams so we can share the information to as many citizens as possible – and am so happy to hear that you are recognizing a scam and are taking the appropriate measures!
Please share this information everywhere, and I am always willing to come to your group for a scam presentation.
Wishes for a joyous holiday season. We appreciate all of you.
Barbara EJ Bennett
Chief Scambuster Larimer County Sheriff’s Office 970-498-5146
