protect yourself from the latest scams - mylar film for sale
While the economy may be struggling, fraud is booming.
Although no comprehensive data has been kept, fingerprints of the crime wave have spread all over.
Fraud and Identity
The Federal Trade Commission has followed more than 1 theft complaint.
2 million last year, up 19% from 2010 and 800% in 2000.
In addition, the FBI says fraud involving investment, mortgages and the Internet is increasing.
Millions of governments take over
Dollar plans are common.
"Fraud is as high as it used to be because fraudulent artists use brands
New channels and technologies that didn't exist 15 years ago, "said Martha Devi, director of the Center for Financial Fraud Research at Stanford University's Longevity Center.
The center estimates that the direct cost of measurable financial fraud by Americans is between $40 billion and $50 billion a year. [
More information from Consumer Reports: Best and worst home appliance stores]
Experts also say the need for law enforcement to hunt down terrorists has shifted FBI resources from fraud cases.
Doug Templeton, chief investigator at Pellas county, said: "After 9/11, the scammer realized, 'This is our time '(Fla. )
The Justice Department and the consumer service department have been tracking criminals for 13 years.
David fradick, director of the Federal Trade Commission's consumer protection agency, said, "What we are seeing is 'last dollar' fraud, designed to take the last dollar from people who are unemployed or underemployed.
Like a good novel, the whole content of the story is a scam.
It must be convincing and the most important thing is new.
As a result, the latest threat assessment by the international public says cheats have changed their technology to respond to changing consumer awareness
Working Group on marketing fraud.
We interviewed experts and searched the complaint files of regulators and consumers.
Protect the agency and follow our reader tips
To show off the last few rounds of fraud-
There are also some classic works.
What should be noted here. 1. This solar-
The energy system pays for itself and cuts your bill by $1,000 a year, a new twist for families --
The goal of improving the scam is for those who want to cut their energy bills with rooftop solar panels or windmills.
Of course, solar energy can reduce your electricity bill.
But make things bigger.
Early investment is equivalent to paying 30 to 40 years of electricity bills in advance.
Many variables may confuse returns, including in places where cloudy weather is commonplace, or living in the shadow of towering trees, terrain, or nearby high-rise buildings. Solar-panel scams.
Consumers who are not familiar with these warnings give double
Dealers have the opportunity to reduce the cost of the ball and save the cost.
Promise the best
Case scenarios can attract you to pay a large deposit to contractors who skip town or have never delivered a system or savings.
Some of the victims were burned thousands of dollars. Home-
According to the latest consumer survey, improving the company is the third largest company to be complained.
A protection agency composed of the American consumer federation and North American Consumer Protection Investigators.
Protect yourself: California is the leader in residential solar, so go to its power company website to see if solar makes sense to you.
If so, only work with licensed contractors specializing in solar installation.
Conduct an energy audit and obtain bids from at least three companies.
Check out their better bureau of commerce ratings and references.
Never pay the full price in advance, or pay a deposit of more than $1,000 or 10% of the project price, whichever is smaller. 2.
We will clear the virus we found for $100, and some villains fly under the radar over the phone. A tech-
Support staff from trusted companies such as Dell or Microsoft allegedly called to warn you that their security system has remotely detected a virus on your computer and offered to delete it --
$100 or more. Bogus tech-support scams.
Of course, there is no virus, so you pay for unnecessary services.
The scammer may also take the opportunity to install a mock antivirus software that later starts "finding" malware that does not exist.
This could cost you a bundle.
To make matters worse, the technology may also install software, scan your computer to steal your password, hijack your computer to generate ads and spread spam.
Protect yourself: check our June 2012 report on security software, find our rated legal antivirus and anti-malware, install it on your PC and keep it up to date.
Anyone outside your home who claims to find trouble on your computer has to hang up. 3.
Confirm that you did not get your flight reservation by email
The email informs you that you did not book the airline, that you did not think of a UPS package, or that there was a problem with your bank account.
Just click on this link or attachment.
Phishing and malware scams
If you follow the instructions, you may download malware that is designed to control your computer and turn it into a spam bot that hurts it with viruses, or I want your financial information.
Following the link will take you to a website that looks real but fake.
When you log in, it captures your username and password so that the bad guys can get into your real account.
These threats have been limited to your computer for years and should be protected with security software.
But the popularity of smartphones has opened the door to "forging. ” (
The word combines "SMS" or shortMessage Service-
Also known as SMS-and “phishing. ”)Some smart-
Mobile phone users do not realize that their mobile phone is a computer, and it is as easy to face the same security risks as the PC.
These scams are valid.
According to our latest survey of online families, more than 9 million of households have at least one member providing information to online anglers, and 30 million of households have suffered malware attacks in the previous year.
The better Commerce Bureau sees phishing as the number one scam in 2011.
In addition, fake websites today are more credible than ever before.
Protect yourself: never click the link to the online account via email
Mail or call an account
The relevant phone number in the text message someone sent you.
Instead, open your PC or mobile Web browser and enter the desired address yourself.
Do not click Email
Email attachment unless you expect. 4.
You just won a gift card worth $100!
In this new bamboozle, thieves who claim to be from local shops call to tell you that you have just won precious plastic and you have to come in and pick it up. Burglary.
The game is to get you out of the house so the robbers can do it onceOld fashioned rest
Come in when you're not there.
Protect yourself: this simple little trick works because it will surprise you.
Be sure to remain skeptical when someone promises you something free.
Better Business Bureau warning this scam for the first time suggested "winner" ask: what game did I win?
How did I get selected?
Call the store to confirm the details independently.
After confirming it was a scam, inform the police.
When you leave, take additional precautions to lock your house, set your alarm clock and protect valuables, as the thieves clearly aim at your home. 5.
Now you can really see who is looking at your Facebook profile! ! ! Social-
The media network is a fertile ground for fraud.
For example, you may have received the news
Get messages from Facebook friends and complain about an app that claims to let you see who is looking at your profile.
This information can be disguised as spam, resulting in a "bait page ".
"Other baits include videos that are allegedly weird or obscene.
Cheated consumers will never get promised software or movies.
Instead, the link makes people curious about a fake Facebook site.
You are asked to "like" this app or other bait and it will forward spam to all your friends.
You then have to complete a survey that collects personal information and opinions. Survey scams.
The goal is to trick you into filling out the survey for online advertisers and collecting commissions for everyone who has done the survey ever
Chet winiewski, a senior security consultant at information security company Sophos, said the circle of friends was expanding.
A "click-by" advertising media in derwilmington.
According to a lawsuit filed by Washington state attorney general, he made a fortune.
According to the consent order for the company to agree to stop certain marketing, the case has been resolved.
There is a difference between a scam survey and a legal survey, such as those Consumer Reports.
Mail to subscribers
Our survey connects you directly to the questionnaire;
You don't need to "like" us first.
Your reply is confidential.
They are not used for marketing or fundraising.
Protect yourself: Unless your trust is certain, do not disclose personal information to anyone who contacts you online.
By reopening the browser, look for the name of the survey company and visit its website independently, or call it.
Ignore product promotion from Facebook friends.
Please be careful when granting access to your profile.
Think about it before you "like. ”6.
Cut your credit
The card interest rate is 4.
75% who doesn't want to cut the sky-high credit-
Low card interest costs today
An unsolicited caller falsely implies that he is associated with your credit
The card issuer offers you a discount of $2,500 to reduce your interest rate.
The upfront cost of this service is $695 and you have to fill out a "financial fact sheet" with details of the debt, including balance, credit limit, interest rate and customer-
Service number plus your name, address and Social Security number. Credit-
Card rate-cut scams.
The full scope of the "service" usually includes a conference call with thieves, victims and creditors, during which the shark requested a reduction in interest rates, which the creditors normally refused.
Of course, consumers can do it themselves. free.
A Canadian company, eight affiliates and defendants were ordered to do so by an American company. S.
The district court in Illinois paid more than $7 in 2009.
After the FTC said they cheated more than 8 million consumers, 12,000 and stopped telemarketing.
Protect yourself: Don't give personal information to anyone you contact, such as an account number.
Go to Donovan. Government or telephone 888-382-
1222 register your phone number at the national no-call registry.
Please hang up the phone. 7.
Free golf, dinner and priceless investment advice for savvy retired investment advisors, brokers
People from dealers and other financial institutions
Service companies invite wealthy seniors to enjoy fun, food and access to investment secrets that will add $100,000 to their net assets, bringing them a 40% return on investment, or turn $100,000 into $1 million for their heirs.
Participants may receive a set of golf or even win a golf club. [
More information from Consumer Reports: Ratings and recommended TV]Investment-seminar scams.
The main goal of this educational "opportunity" is to sell investment products that generate commissions for promoters (mainly annuities)
Real estate investment trusts, mutual funds and reverse mortgages.
It's totally legal.
But advertising, sales materials and advertising may mislead the elderly or promote strategies that are not suitable for the elderly.
Issues reported include commitment to a 38% risk-free rate of return, liquidation of investments without the client's knowledge or consent, embezzlement of client funds for the purchase of unregistered oil and gas partnerships, sale of non-existent investments, to pay the personal expenses of the salesman and the loss of the transaction.
Protect yourself: deal with long only
Time, trusted financial advisor, never with a new "friend" of the Rubber Company
Chicken sales seminar
Accept invitations and entertainment but provide zero financial information and do not sign blank authorization forms or anything else.
Just said not to follow-up one-on-
There may be a meeting on the pretext of preparing the financial plan. 8.
National Family Health-
The Supreme Court's ruling in June to maintain most of the affordable medical bills is expected to revive the scam, which came after the legislation was passed in 2010.
President Obama's talk about emergency health-care broadcasts and videos prompted viewers to make phone calls.
Free phone number for one of many telemarketers.
They suggested they were selling what the government could afford.
Authorized health insurance to provide "significant" savings in prescription drugs, doctor and hospital fees, and laboratory coastto-coast.
Medical discount scheme scam
Products are not insurance;
This is a discount card with a registration fee of $29 to $500 plus a monthly fee of $90 to $1,300.
This is enough to deceive people. in recent years, the Federal Trade Commission has taken action against more than 50 such operators.
But when a sick customer eventually needs to use a credit card, many are healthy-
The care provider does not respect it. Refunds? Fuggedaboutit!
Protect yourself: discount schemes are not illegal, but we think they are junk insurance.
They are usually sold as insurance, but unlike real health insurance, the discount plan will not pay any of your medical expenses.
Instead, they are equivalent to a list of suppliers who may be willing to offer discounts to plan members.
Thinking of coupons, not coverage, this bad deal becomes obvious. 9. We can ‘clean-
When it is unlikely that a car will pass the state haze inspection, technicians or other mechanics will only need to test the bracket
On a car that meets the standard, voil!
A good number is used to prove belcher. Auto-repair scams.
They continue to thrive; auto-repair rip-offs were No.
Ranked eighth in the BBB complaint rankings in 2011.
One of the most common tips is: the mechanic gave a good estimate in front of it, but paid extra.
Some stores achieve this by advertising low pricespriced oil-and-
Lubricating Oil work attracts customers and then "finds" more expensive problems that need to be addressed.
Another scam is fake, used, or unqualified parts to replace the new parts you pay.
Sometimes the mechanic does not provide any replacement parts and does not do the job.
Fake bills can add up.
After a mechanic in the California Palm Desert
Claiming to have knocked over $11,000 in parts and a manual vehicle, the inspector said at the California consumer service that one thing was found: fraud.
Protect yourself: the Insurance Fraud Prevention Coalition says that you should always get a written estimate before the work is done, asking to look at the repaired and discarded parts, using the shop recommended by knowledgeable friends, check the store's BBB rating and Yelp page and be careful if the mechanic says he will help "give up" the deductible-
Financing maintenance. 10.
You can win the iPad, so start bidding!
Popular Electronics are often used to attract victims. A pop-
Up ads on your computer invite you to bid on your iPad, laptop or widescreen
But you have to include your phone.
Phone number to play
Submitting your bid will send a text message to your phone, which may authorize unwanted $9, whether you reply or not.
Some useless services are subscribed 99 times a month.
The cost is added to your phone.
Phone bills that you're unlikely to noticeCramming.
Auctions are smoke and mirrors designed to capture your phone
A phone number that charges an unauthorized fee on your bill is called cramming.
Unlike landline numbers, cell-
The phone number is not published in the directory, so it is necessary to send the scammer in secret to get it. Cell-
Phone companies that can charge a commission of $1 to $2 claim wireless cramps are not a problem.
We found 480,000.
On 2011, an investigation by the Senate committee concluded that landlines and cells
Handset makers are likely to steal $2 billion a year from consumers.
"We have multiple wireless networks.
Vladeck of Cram said: "The investigation of temporary Buddha feet is currently under way, and we will soon see temporary Buddha feet moving from the landline to the wireless phone.
Protect yourself: protect your phone
Phone numbers like credit cards;
Don't give it to strangers.
If you are squeezed, ask your mobile provider for a refund.
Tell your wireless and landline operators to block all third
Issue an invoice to your account and check the previous cramming fee bill. 11.
Buy a delicious dog
$61 worth of food stamps
You can get an email for only $16
Remind you of the email to the website-
Not from the manufacturer-
Where can I buy high-value coupons.
They are not your typical 25 cent discount, they are special coupons for $2 to $60 or a high discount for free
Expensive products like shaving razors, expensive pet food, diapers, baby formula, coffee, and even restaurant meals.
This giveaway is rarely circulated, but manufacturers do use them to introduce new products, or to win back aggrieved customers as a gesture of goodwill. Coupon scams.
The problem, Bud Miller said, is that it is impossible for anyone to accumulate enough rare coupons to run it, "so they must be forged or stolen," the executive director of the coupon information company, the company is an industry group dedicated to preventing coupon fraud.
Other fragile coupons include money-making businesses based on exaggerated revenue commitments, where consumers invest hundreds to thousands of dollars to buy coupons brochures that are difficult to sell, or where they work hardat-
Family coupon clips.
Protect yourself: avoid such coupons. 12.
I have an accident in Canada and need your help. grandparents are the phone that every grandparents are afraid of: bad news about a grandson coming in the middle of the night.
Maybe the car has broken down or got involved in a crash, maybe a relative has been unfairly arrested, or a family member in the army has been robbed overseas during his vacation.
The caller may try to pretend to be a grandson or a policeman, a lawyer, or a doctor.
Regardless of the details, the family old man needs to send money as soon as possible.
Grandma and Grandpa's scam
However, the caller is not a relative but a liar who will collect wire transfers that you may send that cannot be traced, usually in Canada, Mexico or other countries.
The dirty deal has been in effect since at least 2008, but the Internet Crime Complaint Center reported that by digging social networking sites, cheaters have recently become more and more complex
Make their Web sites that mimic more credible personal details.
A couple's "grandson" was arrested for $3,000 when considered fishing without a license in Canada, and Michigan attorney general said when the drama escalated to the mounted police to find drugs and alcohol on board, prices rose as much as $30,000.
Protect yourself: Ask the details of the last visit your grandson should remember, a stranger can't remember.
Write down the location and number of the caller.
Hang up and don't call Western Union, call the grandson's parents or the number you usually use to contact him to verify his whereabouts --
Even if the caller pleaded, "Don't call my parents!
"Don't send a penny unless you confirm the story. 13.
Sweet deal: the $15,000 car costs $28,000 and the book value is $.
In the car market, some people end up in the nightmare of this Bargain Hunter: The Swindler stole a car and then copied the vehicle identification number (VIN)
From another car.
Same brand, model, year, color-
Parking in the mall.
They use legal VIN forged VIN meter boards and pull stickers to stick them on stolen vehicles and sell them to you at an attractive low price.
The registration documents were also forged.
VIN clone scam
Sooner or later, because you have to register and insure your car, insurance company and national motor vehicle department, you will eventually find that the two cars use the same VIN, it got the police back your sweet deal.
You're taking out the car now and all the money you paid the dragon. gone criminals.
This plan and many other plans help car sales rank second among the top ten complaints listed by the National Association of Attorneys General.
Protect yourself: pay attention to the red flag: Far Awaybelow-
Market prices, private sellers doing business in a strange place, cash deals.
When you call the seller, ask VIN and check it out at vehiclehistory for free.
Website of government or National Insurance Crime Bureau.
When evaluating the vehicle, compare the VIN you get with the VIN in several places on the car --
Under the Hood near the dashboard, glove box, side door, trunk, radiator post.
Continue playing poker if there is a mismatch
Face it, don't face the seller, leave the deal and call the police. [
More information from Consumer Reports: Best and worst vacuum]14. Want a $17. 50-an-hour job?
On last May, a "recruiter" used a computer to search for job advertisements at a public library in Columbus, Ohio, in an attempt to fill a new store nearby.
The potential bank uses the library to conduct a job interview. the applicant fills in the application with his name, date of birth, Social Security number, etc. Identity-theft scams.
When applicants later went to the store for training, they learned that the recruiter had nothing to do with it at all. Rather, face-to-
Face-to-face job interviews are a new cheeky way to extract information about identity theft.
Career scams rank seventh in the BBB's list of the top ten scams, a scam
Ons also work. at-
Family plans including filling envelopes, assembling goods, medical bills and handling of claims, and re-shipping stolen goods that the victim may not know.
ID theft is the largest category on the FTC's list of 2011 complaints.
Thieves use a variety of strategies to get you to give up key information and let them steal information from your existing bank and credit account, or use your Social Security number to open a fake financial account and submit other crimes in your name
The most effective deception seems to come from your bank or credit
Card companies, government agencies, or other entities you trust who get information from you by saying they need information to correct mistakes or prevent problems.
Protect yourself: Never give your personal information to anyone who calls
Emails, text messages or other means of contacting you.
Pop music online
Ask your mother's maiden name, the name of your first pet, or other quiz that is usually used to verify your identity.
Monitor your financial account every week or even every day, securely freeze your credit report at all three credit bureaus and submit ID-
If you are cheated, report it to the local police.
If someone is looking for a job with you, contact a potential employer to verify that the recruiter and job vacancies are legal.
There should be no need to check-
Accounts and other financial information on the app. 15.
Gold prices will peak in the next 60 days. Invest now!
The telemarketer promised the elderly that gold, silver, platinum and palladium bars, gold bars and coins were reliable and low
High risk investment and use
Pressure sales strategy to reach a deal.
In fact, precious metals are an unstable commodity for a short period of time.
Regular pricing of any net returns is not guaranteed.
Gold investment scam
What consumers are not told is that their investment is actually a credit purchase.
Their money is deposited into an account and the swindler will not actually buy any precious metals.
Instead, these scammers profit from poorly disclosed fees and commissions.
Protect yourself: suddenly call the telemarketer.
With good reputation only-metals dealers.
Find one on the website of the American coin Association.
Deliver your gold at your bank, where you can put it in the safedeposit box. 16.
I paid you more so save my check and then wire me the difference between the item you posted on Craigslist or other classified items --
Advertising site, you will be pleasantly surprised when one goes outof-
State buyers respond quickly by mail payment. But yikes!
The buyer mistakenly sent you a check that was much more than he owed.
You contact him. up.
No problem: he trusts you to deposit his check and wire the excess to him via Western Union remittance, express money or other services.
To show how good you are and to preserve the goodness of humanity, you move on.
But the check was returned, so you could not get the money for the snake; he gets yours.
Overpayment fraud 5
Ranked first in complaints filed with the Internet Crime Complaint Center last year.
You got stuck with the returned thing, too.
Deposit fees for your bank
Craigslist warns to protect yourself: only deal with people you can meet in person. (
Its founder, Craig Newmark, is a member of the consumer reporting Committee. )
Exchange goods for cash, do not deal with buyers in the distance, do not wire money to them, and do not accept checks, even checks or bills of exchange from cashiers, which can be forged. 17.
The National Lottery Bureau has a new description of an out-of-date fraud incident, and you have received an email or phone call from a seemingly real government agency that is "overseeing" the safe transfer-Congrats! —
Your lucky draw.
It is speculated that these institutions include fictional national consumer protection agencies.
Believe in the national lottery, or even the Federal Trade Commission.
Cheating technology makes the callback number look like it's in Washington, D. C. C.
Looks like the file is attractive and looks real.
But it's all about cheating you on paying $20 to $10,000 in transfers or handling fees, or taxes and insurance.
Of course, there are no prizes, but the cost of any loss is real.
Lottery scams were unexpectedly popular, ranking third in the FTC's annual complaints list.
Protect yourself: don't pay lottery tickets
This is a red flag for fraud.
Legal sweepstakes do not require the winner to pay insurance, taxes, shipping and handling fees or any other fees. Other tip-
Off includes high-
In order to force you to wire the fee immediately before the deadline.
Although the government will certainly tax bonuses, they will not "supervise" delivery. 18.
Pay me for repairs in advance, otherwise I will go somewhere else where after tornadoes and other bad weather, these scammers will take advantage of the surge in repair demand.
Push is upfront money. Storm-repair scams.
Once they get your money, these stinking cobblers may do shoddy work, delay work endlessly, or run away with money.
Tina Shelton in Manville, Texas, a Houston suburb, lost $12,000, and a contractor lied to her and her elderly neighbors after Hurricane Ike swept the area in 2008.
Overall, roofing workers generate more than 8,000 complaints with BBB each year, ranking 15 in the number of complaints in all industries.
Protect yourself: ask your insurance company for coverage and get the correct estimate.
Never pay the full cost before the work is completed;
Pay in increments as the work is completed.
A down payment below the third part of the estimated total cost is OK.
It allows the contractor to purchase the materials and you should see them arrive at your home along with an invoice indicating the amount of purchase and payment.
Pay by personal check or credit card and you can track it better than cash.
Don't do business with contractors knocking on your door;
Look for local construction companies that are listed, licensed and insured.
At least three written assessments were obtained. 19.
The government would like you to have a scooter in your presentation at the door or church telling the Medicare beneficiary that the federal health plan will be so-
Called durable medical equipment;
All you have to do is ask.
Electric scooters and electric wheelchairs are the biggest awards.
The swindler collects about the medical condition of the person, the doctor and-most important—
Medical insurance account number.
Beneficiaries may never receive equipment, or they may receive a $500 powerless wheelchair, while Medicare charges $11,000 for a feature --
A fully powered car.
It's easy to play with government projects: a 2009 report from the Office of the Inspector General of Health and Human Services said that 60% of the standard and complex claims for electric wheelchairs lack proper documentation. Medicare scams.
Dishonest doctors, nurses, pharmacists and regular opponents steal money from the government with your warm body and medical insurance account.
But you may also be co-workers.
The thief paid for medical insurance without telling you.
Your identity may also be stolen and sold, your medical records are modified to create a chargeable false pain, and your health may be compromised by the resulting false diagnosis.
The "patient broker" can provide you with free groceries, rides, and even cash (
The FBI says it's an illegal rebate)
Your ID number so they can charge for health care that has never been done.
Protect yourself: Never give your health insurance number to a stranger who claims to be a government employee.
Check the medical insurance Summary Notice of the device or service you have never received is double
Charge or charge at a higher price than you are told.
Check your credit report regularly
The due or collection account for medical equipment or services has never been received.
Do not sign the blank authorization.
You can get medical equipment according to rules and cooperation
Payment of medical insurance costs, but must be medically necessary and authorized by a doctor. 20.
But we have sent you a tax refund and no one likes the letter from the IRS, but this letter is both confusing and very worrying.
After you have filed your income tax return, the IRS will inform you that you have filed more than one return and others have filed it using your identity.
The crime is relatively new, but this year it has jumped to 940,000 returns filed by identity thieves using the names of others.
How do they make money by paying your taxes?
They apply for a tax refund in your capacity and if you don't have the money they will lie and say they want to deduct the refund --
Refund for this year.
Protect yourself: submit the IRS Identity Theft Affidavit on the IRS's agency website. gov/pub/irs-pdf/f14039. pdf.
If the problem persists, you can also get 800-from the IRS Identity Protection Professional-908-4490.
Ready to wait.
Howard southson from David, Florida
, Was informed on August that a thief filed a return form with his name and Social Security number, and when we were talking to him, he was still waiting for the help of the IRS.
Also report the situation to the social security authority to protect your interests, which may be at risk. 21.
We will recover the cash scammer, which is an insult to the injury, and the "recovery room" operator has purchased the "suction cup list" of people who have been cheated to catch wool "--
This time, they promise to recover your losses at a certain cost. Recovery-room scams.
The cost is several hundred dollars, and you will not recover the original loss.
Protect yourself: Hang up the phone of anyone trying to sell, give or help you. Short-
In every scam, the key steps of the circuit, never give money or personal information to acquaintances or strangers.
Editor's note: a version of this article appeared in the October 2012 issue of Consumer Reports, titled "fraud!