More Scams to Avoid
According to the BBB, these are the scams that seemed to be the most widespread, aimed at the most vulnerable, growing in popularity, or just plain audacious.
Medical Alert Scam
Here’s a new twist to a telemarketing scam. With promises of a “free” medical alert system, the scam target seniors and caretakers and claim to be offering the system free of charge because a family member or friend had already paid for it. In many cases, seniors were asked to provide their bank account or credit information to “verify” their identity and, as a result, were charged the monthly $35 service fee. The system, of course, never arrives and the seniors are left with a charge they have trouble getting refunded. Be wary of “free” offers that require your personal information upfront and always verify with the supposed friend or family member that the caller says paid for the service.
Auction Reseller Scam
Many people turn to eBay and other online auction sites to sell used items they no longer need, and relatively new electronics seem to do especially well. But scammers have figured out a way to fool sellers into shipping goods without receiving payment. Usually the buyer claims it’s an “emergency” of some sort — a child’s birthday, a member of the military shipping out — and asks the seller to ship the same day. The seller receives an email that looks like it’s from PayPal confirming the payment, but emails are easy to fake. Always confirm payment in your eBay and PayPal accounts before shipping, especially to an overseas address.
Arrest Warrant Scam
In this scam, con artists are taking advantage of technology that can change what is visible on Caller ID, and allowing them to pose as the office of the local sheriff or other law enforcement agency. They call to say there is a warrant out for your arrest, but that you can pay a fine to avoid criminal charges. Of course, these “police” don’t take credit cards; only a wire transfer or prepaid debit card will do. Sometimes these scams seem very personal; the scammer may refer to a loan or other financial matter. It may just be a lucky guess, but don’t be fooled into thinking you are about to be arrested.
Invisible Home Improvements
Home improvement scams vary little from year to year, and most involve some type of shoddy workmanship from unlicensed or untrained workers. The hardest for homeowners to detect, and therefore the easiest for scammers to pull off, are repairs or improvements to the areas of your home that you can’t see: roofs, chimneys, air ducts, crawl spaces, etc. Scammers may simply knock at your door offering a great deal because they were “in the neighborhood,” but more and more they are using telemarketing, email and even social media to reach homeowners. Helpful videos on YouTube can add legitimacy to a contractor, but consumers have no way of knowing if the video is real or “borrowed” from a legitimate contractor. Check out home contractors before saying yes.
Casting Call Scam
This isn’t as widespread as some other scams, but it seems to be on the increase in recent years, thanks to the popularity of television talent shows like “American Idol” and “Project Runway.” Scammers pose as agents or talent scouts looking for actors, singers, models, reality show contestants, etc., and use phony audition notices to fool aspiring performers into paying to try out for parts that don’t exist. There are several ways this plays out. It can simply be an unscrupulous way to sell acting lessons, photography services, etc., or it can be an outright scam for things like fees for online “applications” or upcoming “casting calls.” Even worse, the information provided on an online application could be everything a scammer needs for identity theft.
With online and mobile banking skyrocketing, it isn’t a surprise that scams quickly follow. One major tactic recently is the use of scam texts, known as “smishing,” to steal personal information. They look like a text alert from your financial institution, asking you to confirm information or “reactivate your debit card” by following a link on your smartphone. Details of the scam vary, but the outcome is the same: scammers get your banking information, maybe even your ATM number and PIN. You may even inadvertently download malicious software that gives the scammer access to anything on your phone.
The National Do Not Call Registry offers consumers a free way to reduce telemarketing calls. Scammers call anyway, of course, and they’ve even found a way to scam consumers by pretending to be a government official calling to sign you up or confirming your previous participation on the Dot Not call list. In one variation, scammers ask for personal information, such as your name, address and Social Security or Social Insurance number. In another, scammers try to charge a fee to join the registry. Either way, just hang up. These services are free, but sharing personal information with a scammer could cost you a lot.
Fake Friend Scam
Did you ever get a friend request on Facebook from someone you already thought was your friend? If you hit ‘accept’, you may have just friended a scammer. A popular recent scam has been the theft of people’s online identities to create fake profiles, which can be used in a variety of ways. A new friend can learn a lot about you to scam you later, “recommend” sketchy websites that download malware, use your account to scrap information on your other friends, even impersonate a military officer or other trustworthy person to perpetrate a romance scam. Be careful on social media, keep your privacy settings high, and don’t share confidential information. You can’t always be sure that your friends are really your friends.
Affordable Care Act Scam
Scammers had a field day with the Affordable Care Act, using it as a way to fool Americans into sharing their personal information. Scammers would call claiming to be from the federal government and saying the would-be victim needed a new insurance card or Medicare card. However, before they can mail the card, they need to collect