A Free Public Service

SCAMS BULLETIN Host Jay White is an inactive attorney in San Mateo County, California

February 1, 2024

A free Public Service

SCAMS BULLETIN Host Jay White is an inactive attorney in San Mateo County, California.

January 27, 2024

FAKE TRADE COMMISSION SCAMS

Attribution: US Federal Trade Commission

Scammers are using the Federal Trade Commission’s good name to try to trick people into paying them — or sharing personal information. Someone might call, email, text, or message you on social media, claiming to be from the Federal Trade Commission. They might even use the name of a person who really works at the FTC, including staff, contractors, and even Commissioners.

But here’s what to know:

The FTC will never demand money or personal information from you.

The FTC will never threaten to arrest, deport, or punish you.

The FTC does not give awards or grants and does not conduct sweepstakes or lotteries.

Only scammers will demand that you pay by gift card, cryptocurrency, money transfer, or cash.

Don’t trust caller ID: scammers can make it look like they’re calling from anywhere, even the FTC.

If a scammer contacts you pretending to be from the Federal Trade Commission, you should report it right away to: ReportFraud.ftc.gov. Share as much information as you can, including:

The date and time of the call;

The person and agency name the scammer used;

What they wanted you to do, pay, or share, including amounts;

The phone number that showed up on your caller ID. Even a fake number can help law enforcement track the scammer.

Here are some scams recently reported to the FTC:

The scammer says you’ve won a sweepstakes or lottery but you must send money to collect.

The scammer says your assets are frozen until you pay a fake debt, fine, or lien.

The scammer says he’ll help you recover money you already lost in a scam.

The scammer says she’s collecting back taxes or immigration fees.

The scammer threatens to fine you, put you in prison, or take your property unless you pay.

The scammer says they’re protecting you from being scammed.

The scammer tells you to take money out of your bank account, tells you to wire money, get a gift card, or buy cryptocurrency.

The scammer demands secrecy, tells you to act right away, and says you’re about to lose money.

Remember: If someone says they’re calling from the FTC and then demands money (for ANY reason) or demands your personal or financial information, that’s a scam.

Don’t pay, don’t share, and don’t tell.

Do tell the Federal Trade Commission at FTC right away: ReportFraud.ftc.gov.

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A Free Public Service

SCAMS BULLETIN Host Jay White is an inactive attorney in San Mateo County, California.

January 27, 2024

FAKE TRADE COMMISSION SCAMS

Attribution: US Federal Trade Commission

Scammers are using the Federal Trade Commission’s good name to try to trick people into paying them — or sharing personal information. Someone might call, email, text, or message you on social media, claiming to be from the Federal Trade Commission. They might even use the name of a person who really works at the FTC, including staff, contractors, and even Commissioners.

But here’s what to know:

The FTC will never demand money or personal information from you.

The FTC will never threaten to arrest, deport, or punish you.

The FTC does not give awards or grants and does not conduct sweepstakes or lotteries.

Only scammers will demand that you pay by gift card, cryptocurrency, money transfer, or cash.

Don’t trust caller ID: scammers can make it look like they’re calling from anywhere, even the FTC.

If a scammer contacts you pretending to be from the Federal Trade Commission, you should report it right away to: ReportFraud.ftc.gov. Share as much information as you can, including:

The date and time of the call;

The person and agency name the scammer used;

What they wanted you to do, pay, or share, including amounts;

The phone number that showed up on your caller ID. Even a fake number can help law enforcement track the scammer.

Here are some scams recently reported to the FTC:

The scammer says you’ve won a sweepstakes or lottery but you must send money to collect.

The scammer says your assets are frozen until you pay a fake debt, fine, or lien.

The scammer says he’ll help you recover money you already lost in a scam.

The scammer says she’s collecting back taxes or immigration fees.

The scammer threatens to fine you, put you in prison, or take your property unless you pay.

The scammer says they’re protecting you from being scammed.

The scammer tells you to take money out of your bank account, tells you to wire money, get a gift card, or buy cryptocurrency.

The scammer demands secrecy, tells you to act right away, and says you’re about to lose money.

Remember: If someone says they’re calling from the FTC and then demands money (for ANY reason) or demands your personal or financial information, that’s a scam.

Don’t pay, don’t share, and don’t tell.

Do tell the Federal Trade Commission at FTC right away: ReportFraud.ftc.gov.

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Free Public Service

SCAMS BULLETIN Host Jay White is an inactive attorney in San Mateo County, California.

January 24, 2024

CASH ADVANCE SCAM

Attribution: US ftc.gov

FloatMe ads promised cash advances of up to $50 and offered instant deposits of “free money” after you downloaded the app and subscribed to a monthly plan. What didn’t the ads say? That FloatMe would illegally turn people down when they asked for money and charge customers subscription fees without their consent. That’s deceptive, according to the FTC’s lawsuit against FloatMe and its cofounders.

According to the FTC, FloatMe used tricks to keep people paying for subscriptions. When people complained because they didn’t get the money they expected, staff lied and said cash advances would go up if they kept subscribing. When people tried to cancel unwanted subscriptions, FloatMe required a complicated, tricky process designed to keep them paying. The FTC also says the business denied cash advances to tens of thousands of people whose income was Social Security or other government benefits, and that’s illegal. To settle the case, FloatMe and its cofounders agreed to pay $3 million and change how they do business.

If you need to borrow money, consider all other options before you take a cash advance. And know you have legal protections. For example, when creditors make decisions about credit, they can’t consider your race, national origin, age, or whether part or all of your income comes from public assistance. Learn what to do if you suspect credit discrimination.

The law says businesses have to give you a simple way to cancel a paid subscription that’s automatically billed.

 If you think a business isn’t following the law, please tell the FTC at ReportFraud.ftc.gov.

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A Free Public Service

SCAMS BULLETIN Host Jay White

January 23, 2024

IRS REFUND SCAM

Attribution: US FTC.gov

Got an email or text message about a tax refund? It’s a scam.

IRS impersonators are at it again. This time, the scammers are sending messages about your “tax refund” or “tax refund e-statement.” It might look legit, but it’s an email or text fake, trying to trick you into clicking on links so they can steal from you. How? They tell you to click a link — supposedly to check on your “tax refund e-statement” or “fill out a form to get your refund.” But it’s a scam and if you click that link, the scammer might steal your identity or put malware on your phone or computer.

If someone contacts you unexpectedly about a tax refund, the most important thing to know is that the real IRS won’t contact you by email, text message, or social media to get your personal or financial information. Only scammers will.

If someone does reach out, here’s what to do:

Never click on any links, which can put malware on your computer or phone, letting scammers steal from you.

Check the status of any pending refund on the IRS official website. Visit Where’s My Refund to see if you’re really getting a refund.

Share what you know. By telling your friends and family members about the scam, you can help protect your community.

If you clicked on a link in one of these messages, or you shared personal or financial information, report it at IdentityTheft.gov to get a free, customized recovery plan.

If you see this or any other a scam, even if you didn’t lose money, report it to the FTC at ReportFraud@ftc.gov.

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A Free Public Service

SCAMS BULLETIN Host Jay White is an inactive attorney in San Mateo County, California.

January 23, 2024

IMPERSONATION CALL SCAMS

Attribution: US FTC.gov

Many impersonation schemes start with a call about a routine problem, like suspicious activity in your Amazon account. But in a new twist, the story quickly takes a more serious turn when you’re told someone is using your information to commit crimes and all your money is at risk.

The caller convinces you that the court will seize the money in your bank account or retirement savings. The person you’re talking to — who claims to be a helpful agent from the FTC, or another agency or organization — is really a scammer. The only way to protect your money or clear your good name, the scammer says, is to quickly transfer it to a more secure account. Or, they tell you to cash out your savings to put in a box or buy cryptocurrency or gold bars. The truth is, instead of protecting your money, you’re about to lose all your savings. The scammer controls the new bank or cryptocurrency accounts or sends someone to pick up the gold bars or boxes of cash “for safekeeping.”

How can you tell it’s a scam? If the caller says you need to buy gift cards, go to a cryptocurrency ATM, or go to the bank in person while they stay on the phone with you, that’s a scammer. And if the caller tells you to lie to anyone who asks why you’re transferring or withdrawing so much money, that’s also a clear sign of a scam.

Here’s what else to know and do about this scam:

The Federal Trade Commission will never tell you to move your money to “protect” it. Anyone who does is a scammer impersonating the FTC.

Ignore all unexpected requests for money. Never transfer or send money, cryptocurrency, or gold to someone you don’t know in response to an unexpected call or message.

Verify the story. If you think there’s a real problem with one of your accounts, use a phone number, website, or app you know is real to contact the company. Don’t use contact information in the message you got.

Learn about other impersonator scams and how to avoid them.

If you suspect a scam contact www.ftc.gpv.            #

A Free Public Service

SCAMS BULLETIN Host Jay White is an inactive attorney in San Mateo County, California.

January 17, 2024

WINTER STORM SCAMS

Attribution: US Federal Trade Commission

With all eyes on the severe weather moving around the country, scammers are paying attention, too. And they’re likely following the path of the storms to target the people affected. So, how do you protect yourself against weather-related scams?

Weather emergencies mean big bucks for scammers and unlicensed contractors. They’ll appear right after a storm and offer to get your power back on, make essential repairs, or help with whatever you need. But if you pay them, they’ll take your money and disappear, charge you for things you don’t need, or leave before completing the work you paid them to do.

To avoid scammers trying to take advantage of you after a storm:

Spot utility imposter scams.

 Utility imposters work year-round, but after a storm, they might call or knock on your door saying they need to repair or replace equipment. Then they’ll ask you to pay. Don’t pay them. That’s a scam.

Hire only contractors who are licensed and insured.

 Check with your state or county government to confirm a contractor’s license. Ask the contractor for proof of insurance and a written contract.

Never pay in cash.

Paying by credit card offers you some protections. And only pay in full after the work is done and you’re satisfied with it.

Read about other weather-related scams at ftc.gov/WeatherEmergencies. Then share the information with friends and family to help them avoid losing money, too.

Suspect a scam? Tell the FTC at ReportFraud.ftc.gov.

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