NEw Archives - Council on Aging

February Scam of the Month

TEXT SCAM ALERT

Last month FedEx issued a statement that scammers were using the company’s name to gather personal information through fake text messages. These texts included bogus links that would ask you to provide your credit card information. FedEx stated that they will never send unsolicited texts or emails to customers. If you receive a text that you believe to be a scam, delete it or you can forward it to abuse@fedex.com.

Many people also reported receiving similar text messages from Amazon. If you have concerns about your delivery, don’t use the phone number or hyperlink provided in the text.  It is important to remember to use caution whenever you receive any form of communication, especially ones that include hyperlinks because they could be downloading malware to your device.

Sources: cnn.com & thehill.com

 

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January Scam of the Month

As we start a new year, a new decade, here are a couple of concerns that you should keep in mind.

1. Date Abbreviations…Not A Concern
Several recent news sources have suggested that people should avoid abbreviating the year 2020, especially when signing a legal document.  When we write the date 1/9/20, for example, someone else can add additional digits like 13, 17, etc., effectively changing the year. However, there have been no reports of any one being scammed in this manner.

2. Social Security Changes
January 1st marked the changes to Social Security’s cost-of-living benefits. Whenever there are large-scale changes, we see scammers creating confusion in order to steal your money or personal details. If you have questions, call Social Security Administration at 1-800-772-1213.

3. Medicare Card Questions
All Medicare recipients should have received their new Medicare cards by now. If you have not, call Medicare at 1-800-MEDICARE (1-800-633-4227). The new cards feature a unique alphanumeric identifier. Please keep this number private. Don’t forget, these new cards were/are free and any contact telling you otherwise is a scam.

Resources: AARP Bulletin, Apple News,

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December Scam of the Month

Whether you are traveling for business or pleasure this holiday season, cyber security should be at the top of your list as you prepare. Here are some tips to keep your devices secure.

  • Lock your devices. Most devices have a security feature that allows you  to lock it by setting a code or scanning your fingerprint. This option is important in case your device becomes lost or stolen. With so much valuable information in one place, it’s necessary in securing your data, whether you are traveling or not.

 

  • Be wary of Bluetooth. Most of us use Bluetooth every day without even thinking about it. It is a simple and fast connection to so many of our other devices. Unfortunately, it can also provide a way for hackers to access much of our private data. Before enabling Bluetooth, think twice when in a busy place like an airport or mall.

 

  • Avoid public Wi-Fi. We all love free stuff, especially free Wi-Fi, but keep in mind that these networks might lack security measures. If you must use free public Wi-Fi networks, NEVER access your personal information while connected to that network.

 

  • Never use public charging stations. Almost everyone has been stuck with a dead or dying phone at the most inopportune time. While charging stations seem like a great idea, some are infected with malware which is then downloaded to your device once connected.

 

  • Be mindful of your surroundings. It’s best to avoid logging into private accounts while sitting in populated places like restaurants or airports because it’s easy for someone to look over your shoulder as you type in your information.

 

  • Limit sharing. While traveling or visiting loved ones during the holidays, it’s nice to share photos and locations, but you might want to think twice about this. Once posted to social media, you’ve just announced an empty house. Consider saving your social media posts until after your trip.

 

  • Update software. Check to see if there is an update available. Updating apps and the operating system will ensure that the device is able to defend itself against malware.Resources: dhs.gov & norton.com

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November Scam of the Month

A few months ago, the Internal Revenue Service (IRS) reported receiving complaints from people receiving fake letters supposedly from the IRS. In the past, it was made clear to potential victims of IRS scams that the agency will never call or email regarding debt due. Mail was always the primary form of communication. Scammers have obviously caught on and have starting mailing fake correspondence.  In some cases, real tax information has been included in these false letters which makes it harder for you to determine what is real and what is a scam. Keep in mind, some details, like a tax related lien is public record. Don’t allow scammers to frighten you into revealing additional information or paying money.

Here are some ways to spot the differences between a fake and real IRS correspondence:

  1. The IRS will NEVER threaten to arrest by any form of communication.
  2. An authentic IRS letter will include their toll-free 800 number. If a phone number is included, don’t call that one. Call IRS at 1-800-829-1040. When using any government website make sure the web address ends in .gov and starts with “https”.
  3. An IRS envelope will include the seal and legitimate letters will include your partial tax ID number.
  4. There will be information on how to make a payment and setup payment options. Payment will ALWAYS be made to U.S. Treasury. Asking for banking information over the phone or for gift cards as payment are sure signs that it is a scam.

If you believe you are a victim of an IRS scam, report it to Treasury Inspector General for Tax Administration (TIGTA) online at https://www.treasury.gov/tigta/contact.shtml.

 

Sources: Business Insider, Forbes & IRS.gov

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October Scam of the Month

It’s almost open enrollment for Medicare’s more than 60 million participants. As you consider the many options, don’t forget to keep an eye out for scams. Scammers use this time as an opportunity to take advantage of older adults.

Here are some common Medicare scams and how to avoid them:

  • You receive a phone call from someone claiming to be from Medicare. They say you need to provide your Medicare number or credit card information in order to sign up for a plan. HANG UP! Medicare NEVER calls beneficiaries to sign up.
  • Other tricksters are calling asking for consumers to update their information with the new Medicare number. DO NOT give out your new Medicare ID. Even though it is no longer your social security number, it still needs to be protected.
  • You get a phone call from a representative claiming to be from Medicare, asking you to confirm or update billing information. HANG UP! Medicare will not call you and they will not ask for payment over the phone or through email.
  • Trying to sell you a prescription drug plan. HANG UP! Part D is NOT mandatory.
If someone asks you for your personal information, for money or threatens to cancel your health benefits if you don’t share your personal details, hang up and call Medicare at 1-800-MEDICARE (1-800-633-4227).

Medicare open enrollment for 2020 coverage begins on October 15th and ends on December 7th. The best place for information is online at Medicare.gov, calling Medicare at 1-800-Medicare or SHIP (TN State Health Insurance Assistance Program) at 1-877-801-0044. SHIP offers free and unbiased Medicare information and counseling.

Resources: Medicare.gov and AARP

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September Scam of the Month

The Better Business Bureau issued a warning notifying citizens that investment scams targeting older adults are increasing. Of course scams like this affect all ages; however, an uptick of complex investment opportunities are being directed at older investors. Some of these scams may include unregistered securities, promissory notes, charitable gift annuities, Ponzi schemes, etc.

Here are some tips for spotting investment scams:

  • Don’t trust any claims where there are no risks. ALL investments carry some sort of risk.
  • Disregard promises of big money fast. No one can predict how investments will pay out.
  • Don’t make an immediate decision. Con artists love applying pressure for on the spot decisions.
  • Get everything in writing prior to making any decisions. A legitimate company won’t have a problem with a paper trail.

Take the time to check out investment opportunities with your state’s securities regulator or the federal Securities and Exchange Commission (SEC) at www.sec.gov or 202-551-6720

Sources: the Union Recorder & greenpath.com

August Scam of the Month

The Tennessee Department of Commerce and Insurance (TDCI) issued a statement warning older adults that scammers may be using DNA testing as way to get private information.  In this situation, scammers will approach older adults at senior community centers and assisted living facilities, stating that they are testing for cancer and other life-threatening diseases with a cheek swab. In reality, these con artists are obtaining personal information like social security numbers, banking information, etc.

In some scenarios, the older adult might be told that the genetic test can be paid by Medicare, which is likely fraud. Medicare recipients should report suspicious activity to its toll-free number, 800-MEDICARE (800-633-4227).

Always keep in mind:

  • If it sounds too good to be true, it probably is
  • ONLY give out private information like Medicare/Social Security numbers or banking information to trusted, verified individuals/organizations
  • Don’t feel pressured into making an immediate decision
Resources: tn.gov & fox17.com

July Scam of the Month

Summer Vacation Safety

 

At one time, going on vacation meant we could let our guard down and be carefree. Unfortunately, in this technological age, you simply cannot afford to do that. Scammers are everywhere and very good at what they do. The Benjamin Franklin axiom, “An ounce of prevention is worth a pound of cure,” certainly applies. Here are some tips to keep you, your family and identity safe while enjoying your vacation.

  1. Notify your bank. Traveling out of state or overseas while using your bankcard could cause a fraud alert to appear and suspend your account. A quick phone call would prevent this hassle.
  2. Be cautious when searching for rental properties on websites like Craigslist. A legitimate rental will not ask for payment via wire transfer.
  3. Avoid stand-alone ATM’s. Scammers like these because they are able to attach a credit card skimmer with less risk of detection. The same applies for gas stations when paying at the pump. Give the card reader a quick pull. A fake one will not feel secure.
  4. Stay on guard even in your hotel. If you receive a phone call from the “front desk” asking you to confirm your payment method, hang up. It is scam. If the hotel really has an issue, they will ask you to come to the front desk.
  5. Stay alert. Identity thieves’ techniques evolve, especially in the technological age but some will always rely on good old-fashioned pickpocketing. Safeguard your wallet, purse and phones.
  6. Save the social media posts. Wait until you are home to share the photos of your family vacation. You don’t want to announce when your home will be empty.
  7. Make sure you place a hold on newspaper and mail deliveries. A full mailbox or several newspaper on your porch are sure signs no one is home.
  8. Only take what you will need. Leave the extra credit/bank cards at home. Do you really need your social security card with you? Birth certificate? If not, leave it at home.
  9. Take photocopies or a picture of all the information in your wallet, including the front and back photos of your credit/bank cards, I.D., passport, etc. Keep the copies in a safe place, not your wallet or purse. One option is to email the copies to yourself so it will always be available.
  10. Be wary of free Wi-Fi. Free means open airwaves and everything you do is transmitted over an unsecured connection and makes you vulnerable. Some Wifi connections are fake and are set up by hackers just to steal your information. Always double check with the location to see if it is official.
  11. Don’t leave expensive or important belongings in the hotel room. Use a safe if one is provided in the room. If not, ask the front desk for another alternative.
  12. Many credit/bank cards are now equipped with RFID (radio frequency identification) chips, which makes stealing your information easier for high-tech scammers. Consider using a RFID blocking wallet, purse or case.
  13. Most importantly, if anything does happen, act fast. Contact your bank or credit card company as well as the credit reporting bureaus. If your ID is stolen, file a police report immediately. This is necessary for creating a paper trail as well as a timeframe for the theft. If traveling overseas and your passport is lost or stolen, contact the nearest U.S. Embassy or Consulate. They can help you with a replacement. You should also call the local police and file a report.

Sources: Lifelock and the Better Business Bureau

June Scam of the Month

Last month, the Federal Communication Commission (FCC) issued a warning about the “one-ring” phone scam. This scam works by letting your phone ring once and then hanging up. The scammers are hoping that this tactic will prompt you to call the number, resulting in HIGH long distance phone charges.

Many reports indicate that the calls are featuring area codes from West Africa. Authorities recommend blocking the number and NOT calling the number back.

Additional tips to protect yourself from phone scams:

  1. Avoid answering or calling back phone numbers you do not recognize
  2. Be vigilant, even when a number appears to be legitimate
  3. Report scam or suspicious calls to fcc.gov/complaints
  4. If you never make international calls, place a block by calling your phone company

 

Sources: wkrn.com and fox5ny.com

May Scam of the Month

SSA IMPOSTOR CALLS TAKE OVER

Last month, the Social Security Administration (SSA) issued a warning that scammers were spoofing calls from the SSA’s Fraud Hotline. The impostors are telling lies that instill fear like “your social security number has been suspended for criminal activity” or “your benefits might be suspended if you don’t follow these instructions.”

For years, IRS impostor scams have topped fraud reporting lists, but now the federal government says that the SSA impostor scam is nearing epidemic proportions!

Here are some tips to protect yourself:

Share scam information – Scammers had to find a new con because the IRS impostor calls became too recognizable. Remember, knowledge is power, so please tell your family and friends.

Ask questions – The Social Security Administration typically does NOT call you out of the blue and they DO NOT call from the Fraud Hotline phone number.

Follow Up – Don’t call the numbers provide by the caller or through a robocall. Call SSA directly at 1-800-772-1213.

Hang up – These scams use fear to take your money. If you feel pressured into making a quick decision, just hang up.

Don’t trust the Caller ID – Scammers are constantly spoofing numbers to look official and there’s no way to tell the difference.

Safeguard private information – Never reveal private or financial information to anyone unless you initiated the call and know for certain who is on the other line.

Don’t wire money – Methods of payment are important. Reputable companies don’t mind a money trail, but scammers do. That’s why wire transfers, gift cards and bitcoins are the payment methods con artists use because once you pay it, it’s gone.

Report the scam – Whether you fall for the scam or not, report it. The Federal Trade Commission (FTC) has set up a specific site for the SSA impostor scams at https://indentitytheft.gov/ssa. You can also report the fraudulent contact to the Office of Inspector General online at https://oig.ssa.gov/report or by calling (800) 269-027.

Sources: FTC.gov, ssa.gov, cbs17.com, Clarion Ledger & KSAT12.com