BITCOIN SCAM

SCAMS BULLETIN Host Jay White is a volunteer attorney who provides free legal services to low income seniors in San Mateo County, California.

July 3, 2019

BITCOIN SCAM

Are you intrigued by the thought of making money from crypto-currencies — virtual currencies like Bitcoin? What if they were offered for free?

A scam? You’re right.

 An ad recently appearing on some websites offers $5 to $30 worth of Bitcoins for free every day through a program called “Bitcoin Collector.” All you have to do is download the Collector program and it’ll get to work for you automatically.

But it won’t be doing what you have been promised. It’ll be placing malware on your computer, which will steal log-in credentials from every site you visit.

Remember. There’s no such thing as free Bitcoin!

Attribution: scambusters.org.

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Used Car Scams

SCAMS BULLETIN Host Jay White is a volunteer attorney who provides free legal services for low income seniors in San Mateo County, California.

June 26, 2019

USED CAR SCAM

You can buy practically anything online, including used cars. But before you shell out any hard-earned cash, here’s a warning about scammers trying to sell cars they don’t have or own. Trusting buyers have lost thousands of dollars over the past year alone.

Here’s how a scam works:

 Criminals post ads on online auction and sales websites, like eBay Motors, for inexpensive used cars (that they don’t really own). They offer to chat online, share photos, and answer questions. Recently, phony sellers have been sending fake invoices that appear to come from eBay Motors and demanding payment in eBay gift cards. If you call the number on the invoice, the scammer pretends to work for eBay Motors.

So how can you tell if an online car sale is fake?

You may find bad reviews online. Check out the seller by searching online for the person’s name, phone number and email address, plus words like “review,” “complaint” or “scam.”

Phony scam sellers try to rush the sale. Scammers use high-pressure sales tactics to get you to buy without thinking things through. Resist the pressure.

They can’t or won’t meet you in person or let you inspect the car. They want you to pay with gift cards or by wire transfer. If anyone tells you to pay that way, it’s a scam.

The phony sellers may demand more money after the sale for “shipping” or “transportation” costs.

Do Diligent Research before committing to buy:

Does the Vehicle Identification Number (VIN) doesn’t match the VIN for the car you’re interested in? A vehicle history report can help you spot such discrepancies.

Vehicle history:

If you’re buying a used car, the Federal Trade Commission recommends obtaining a vehicle history report before you buy. Vehicle history reports can tell you a lot about a used car. A report might include ownership history, whether the car was in any accidents, its repair records, and whether it ever was declared as salvage.

How can I learn a vehicle’s history?

Visit the National Motor Vehicle Title Information System (NMVTIS) website, vehiclehistory.gov, to get a vehicle history report with title, insurance loss, and salvage information. This site lists NMVTIS-approved providers of vehicle history reports. Choose one, enter the VIN (vehicle identification number, which is listed on the front of the Buyers Guide), and pay the provider’s fee to learn the car’s history.

NMVTIS-approved providers offer vehicle history reports to consumers, car dealerships, and financial institutions. But not all vehicle history reports are available through the NMVTIS website.

A vehicle history report is not a substitute for an independent visual vehicle inspection. Before you buy a vehicle, an independent inspection by a qualified person is needed to ensure it does not have hidden damage.

Has the car been recalled?

The National Highway Traffic Safety Administration website, safercar.gov, has free listings of vehicles subject to open safety recalls. That means the manufacturer has recalled the vehicle but repairs are not yet done. Enter the vehicle’s VIN to find out if a vehicle is subject to an open recall. You also can call the National Highway Traffic Safety Administration’s Vehicle Safety Hotline at 1-888-327-4236.

Has the car been declared as salvage?

The National Insurance Crime Bureau’s website lets you enter a VIN and find out if the vehicle has been damaged by flood, was stolen but unrecovered, or otherwise declared as salvage.

Consumer scam alerts are free by e-mail from the FTC at ftc.gov/subscribe. If you spot a scam, report it

at www.ftc.gov/complaint.

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Rental Listing Scams

SCAMS BULLETIN Host Jay White is a volunteer attorney who provides free legal services to low income seniors in San Mateo, County, California.

June 19, 2019

RENTAL LISTING SCAMS

Moving to a new city? Planning a vacation? As you consider issues like size, cost, and location of the rental, also consider this: A rental listing could be a scam. When you’re looking for a rental, it’s caveat renter — renter beware. Taking time to do a diligent search is well worth the effort. Do an online search of the rental company. Enter its name plus words like “review,” “complaint” or “scam.” If you find bad reviews, you may want to look elsewhere.

How Rental Scams Work

To trick people into sending money, scammers often advertise rentals that don’t exist or aren’t available. They know that finding the right apartment or vacation rental can be hard work. A seemingly good deal may be hard to pass up.  Their goal is to get your money before you find out it’s phony.

Some scammers hijack a real rental or real estate listing by changing the email address or other contact information, and placing the modified ad on another site. The altered ad may even use the name of the person who posted the original ad.

Signs of a Scam:

Here are some warning signs of a scammer:

*They tell you to wire money

This is a sure sign of a scam. There’s never a good reason to wire money to pay a security deposit, application fee, first month’s rent, or vacation rental fee. That’s true even if they send you a contract first. Wiring money is the same as sending cash — once you send it, you have no way to get it back.

*They want a security deposit or first month’s rent before you’ve met or signed a lease

It’s never a good idea to send money to someone you’ve never met in person for an apartment or house you haven’t seen. If you can’t visit an apartment or house yourself, ask someone you trust to go and confirm that it’s for rent, and that it is what was advertised.

*They say they’re out of the country

But they have a plan to get the keys into your hands. It might involve a lawyer or an “agent” working on their behalf. Some scammers even create fake keys. Don’t send money to them overseas. If you can’t meet in person, see the apartment, or sign a legitimate lease before you pay, keep looking until you locate something that meets your needs.

Other tips to help you avoid rental scams:

*Rental home listings may appear in several places, including rental company websites and online listing services like Zillow, Trulia or Craigslist. If you see a rental company’s listing on one of those online listing services, do a search of the home’s address to make sure it appears on the rental company’s website. If it doesn’t, it may be a scam.

*Compare prices. Is the rent a lot less than comparable rentals? That could be a red flag.

*Take a tour. Ask for identification. Rental agents should have photo ID badges issued by the company that owns or manages the property.

*Before you sign a lease, look for signs at the rental unit with the name of the property owner or manager. Call that company before making a deal with anyone.

*Never pay with cash, wire transfers or gift cards. If anyone tells you to pay this way, it’s a sure sign of a scam. Wiring money is like sending cash — once you send it, you have no way to get it back. As for gift cards, they’re for gifts, NOT for payments.

If you spot a rental scam, report it to local law enforcement and the Federal Trade Commission at http://www.FTC.gov. ff

Travel Scams

SCAMS BULLETIN Host Jay White is a volunteer attorney who provides free legal assistance to low income seniors in San Mateo County, California.

June 11, 2019

These days, travel starts on the internet. More than 140 million Americans do trip research online, and 83 percent of travelers use websites to make bookings, according to an industry analysis by advertising agency MDG. But as you search for savings on lodging and flights, keep a sharp eye out for deceptive offers and outright scams that could cost you a bundle.
Be especially wary when using third-party hotel booking sites. According to the American Hotel & Lodging Association (AHLA), nearly a quarter of consumers report being misled by travel resellers on the phone or online, affecting 28.5 million bookings and $5.2 billion in transactions in 2017 alone.
Unscrupulous resellers draw consumers through search engine ads and send them, via links or posted phone numbers, to booking websites or call centers that appear to be affiliated with a hotel. The lookalike site will feature detailed descriptions of rooms and amenities; it might even have the hotel’s name in its URL. But you are not actually dealing with the hotel. This can have consequences ranging from inconvenient (the reseller doesn’t transmit special requests such as a wheelchair-accessible room) to expensive (higher rates than the hotel actually charges or hidden fees tacked on to your bill) to potentially trip-ruining (you arrive and discover the booking was never made).
There’s plenty more to look out for. Crooks also operate lookalike websites for airlines and popular travel companies. Scam emails offer promotions such as free flights to get you to give up credit card information or click links that download malware. Fraudsters make up vacation-rental listings, or duplicate real ones, to collect payments for nonexistent bookings.
And think twice about buying a flight voucher on the web. The FBI warns that scam artists use stolen credit card numbers to buy airline tickets then cancel them to get a voucher, which they put up for sale at what looks like a great price. By the time the buyer tries to use the voucher, the airline will likely have discovered the fraud and canceled it.
Warning Signs
A cut-rate hotel or airline offer that seems too good to be true.
A hotel, airline or travel website has odd spelling or grammatical errors, suggesting it may have been created by a scammer in a foreign country.
Do’s
Do book on the official website of a hotel, airline or other travel business, or use a reputable third-party booking site.
Do carefully check a travel website’s URL. Scam sites may use “domain spoofing” tricks such as an extra letter in the address.
Do research on a third-party travel site you haven’t used before. Search for its name plus “review,” “complaint” or “scam” to see if other consumers had bad experiences with the site, and look it up in the Better Business Bureau’s database.
Do look for written policies on canceling or modifying reservations, and confirm them before booking.
Do call the hotel or airline and confirm your reservation after booking on a travel website. If they don’t have a record of your booking, that may signal a problem that it’s best to solve well before you travel.

Courtesy AARP

Tornado, Flood, Fire Scams

SCAMS BULLETIN Host Jay White is a volunteer attorney who provides free legal services to low income seniors in San Mateo County, California.

May 30, 2019

TORNADO, FLOOD, FIRE RELIEF SCAMS

Recent tornados, floods, hurricanes, and fires have left many homeowners desperate for help. Unfortunately, this creates opportunities for fraudsters to ply their despicable trade.

They may pretend to represent a charity that is helping those in need. Their first contact might be by computer ID spoofing, telephone or robocall technology.  

Be wary of charities that spring up too suddenly in response to current events and natural disasters. Even if they are legitimate, they probably don’t have the infrastructure to get the donations to the affected area or people.

Representatives of legitimate charities and fundraisers may use the phone, face-to-face contact, email, the internet (including social networking sites), and mobile devices to solicit and obtain donations. Naturally, scammers use these same methods to deceive you and take advantage of your goodwill.

Regardless of how they reach you, avoid any charity or fundraiser that:

*Refuses to provide detailed information about its identity, mission, costs, and how the donation will be used.

*Won’t provide proof that a contribution is tax deductible.

*Uses a name that closely resembles that of a better-known, reputable organization.

*Offers thanks for a pledge you don’t remember making.

*Uses high-pressure tactics like trying to get you to donate immediately, without giving you time to think about it and do your research.

*Asks for donations in cash or asks you to wire money.

*Offers to send a courier or overnight delivery service to collect the donation immediately.

*Guarantees sweepstakes winnings in exchange for a contribution. You never have to give a donation to be eligible to win a sweepstakes.

If you receive this type of contact, before giving out any personal information or agreeing to any payment, you should independently verify that the call is from a legitimate charity. 

If you wish to report a suspected fraud, call the FEMA Disaster Fraud Hotline toll free at 1-866-720-5721. If you need to report other fraudulent activities during or following a natural disaster, please notify FEMA at 1-866-720-5721 or disaster@leo.gov. You can also file a complaint with the Federal Trade Commission http://www.ftc.gov.

To guard against this disaster related scam, there are several steps you can take to protect yourself:

*Donate to trusted, well-known charities. Beware of scammers who create fake charities during natural disasters. Always verify a charity’s legitimacy through its official website. If you have doubts:

* you can check with Better Business Bureau’s Wise Giving Alliance

 *You can also check with the National Association of State Charity Officials. Legitimate charities are required to be on file with your state.

* To check if the charity is trustworthy, or gain other information you can contact the Better Business Bureau’s (BBB) Wise Giving Alliance, Charity Navigator, Charity Watch, GuideStar or ftc.gov/charityfraud.

*Verify all phone numbers for charities. If you need to contact a charity by phone, verify through the charity’s official website that the number you have is legitimate.

*Do not open suspicious emails. If you receive a suspicious email requesting donations or other assistance, do not click on any links or open any attachments. Scammers regularly use email for phishing attacks and to spread malware.

*Be skeptical of social media posts. Independently verify any solicitation for charitable donations before you give. If you’re using text-to-donate, check the number with the charity first.

*Finally, watch out for scammers impersonating federal, state, tribal and municipal authorities. If someone calls claiming to be a government official, hang up. You can call the number listed on that government agency’s official website to determine if it is a legitimate call.

If you have been scammed – or have reason to believe a scammer is attempting to scam you—the US Federal Trade Commission would like to have your report  at www.ftc.gov.

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Crowdfunding Scams

 

SCAMS BULLETIN Host Jay White is a volunteer attorney who assists low income seniors in San Mateo County, California.

CROWDFUNDING SCAMS

May 22, 2019

Crowdfunding is one way to support a project you believe in and get rewards. But the project you’re backing is only as good as the people behind it. Some dishonest people can take your money but produce nothing – no product, no project, and no reward.

Here’s how crowdfunding works: People called “creators” ask for small amounts of money from lots of people. The purported purpose is to fund projects through websites like Kickstarter or Indiegogo. In exchange, creators offer rewards—possibly a product the creators plan to create in the future. Sounds great–unless the creators don’t create anything but profit for themselves.

In an FTC lawsuit against iBackPack, the FTC says people shelled out over $800,000 via crowdfunding campaigns. The company said those funds would help it provide consumers with backpacks and shoulder bags with built-in batteries for charging mobile devices. But, according to the FTC, iBackPack’s claims that bags would soon be going out to consumers were lies.

What’s more, the FTC’s investigation found that the money the creators took in from their campaigns generally didn’t go toward what they said it would. Instead, iBackPack’s CEO pocketed a large part of the funds for his own personal use.

When contributors began to complain about iBackPack’s failure to perform as promised, the CEO allegedly threatened some of them – adding that he knew their addresses and other personal information.

If you’re thinking about contributing to a crowdfunding campaign, take time to research the creator’s background and reviews before you pay. For example, has the creator engaged in previous campaigns? How did those campaigns turn out?

If you learn about a crowdfunding scam you are urged to report it to the Federal Trade Commission: www.ftc.gov.

Special Health Post

Special Measles Advisory Warning Courtesy of Mayo Clinic

May 16, 2019

    MEASLES

Measles is a highly contagious illness caused by a virus that replicates in the nose and throat of an infected child or adult. Then, when someone with measles coughs, sneezes or talks, infected droplets spray into the air, where other people can inhale them. Also called rubeola, measles can be serious and even fatal for small children.

The infected droplets may also land on a surface, where they remain active and contagious for several hours. You can contract the virus by putting your fingers in your mouth or nose or rubbing your eyes after touching the infected surface.

Consult your Doctor to be sure you understand the dangers of measles and how best to protect yourself or others.

Your doctor can usually diagnose measles based on the disease’s characteristic rash as well as a small, bluish-white spot on a bright red background — Koplik’s spot — on the inside lining of the cheek. However, many doctors have never seen measles, and the rash can be confused with a number of other illnesses. If necessary, a blood test can confirm whether the rash is truly measles.

    For the first 10 to 14 days after you’re infected, the measles virus incubates. You have no signs or symptoms of measles during this time.

    Measles typically begins with a mild to moderate fever, often accompanied by a persistent cough, runny nose, inflamed eyes (conjunctivitis) and sore throat. This relatively mild illness may last two or three days

The rash consists of small red spots, some of which are slightly raised. Spots and bumps in tight clusters give the skin a splotchy red appearance. The face breaks out first.   Over the next few days, the rash spreads down the arms and trunk, then over the thighs, lower legs and feet

 At the same time, the fever rises sharply, often as high as 104 to 105.8 F (40 to 41 C) before the rash gradually recedes, fading first from the face and last from the thighs and feet.

Risk factors for measles include:

    *Being unvaccinated. If you haven’t received the vaccine for measles, you’re much more likely to develop the disease.

    *Traveling internationally. If you travel to developing countries, where measles is more common, you’re at higher risk of catching the disease.

    *Vitamin A deficiency. If you don’t have enough vitamin A in your diet, you’re more likely to have more-severe symptoms and complications.

Complications of measles may include:

    *Ear infection. One of the most common complications of measles is a bacterial ear infection.

    *Bronchitis, laryngitis or croup. Measles may lead to inflammation of your voice box (larynx) or inflammation of the inner walls that line the main air passageways of your lungs (bronchial tubes).

    *Pneumonia. Pneumonia is a common complication of measles. People with compromised immune systems can develop an especially dangerous variety of pneumonia that is sometimes fatal.

    *Encephalitis. About 1 in 1,000 people with measles develops a complication called encephalitis. Encephalitis may occur right after measles, or it might not occur until months later.

    *Pregnancy problems. If you’re pregnant, you need to take special care to avoid measles because the disease can cause preterm labor, low birth weight and maternal death.

Prevention—family members

If someone in your household has measles, take these precautions to protect vulnerable family members and friends:

   * Isolation. Because measles is highly contagious from about four days before to four days after the rash breaks out, people with measles shouldn’t return to activities in which they interact with other people during this period.

            It may also be necessary to keep nonimmunized people — siblings, for example — away from the infected person.

    *Vaccinate. Be sure that anyone who’s at measles risk receives the vaccine as soon as possible.

            The first vaccine dose for infants is usually given between 12 and 15 months, with the second dose typically given between ages four and six years. If you’ll be traveling abroad before your child is a year old, talk with your child’s doctor about getting the measles vaccine earlier.

If you’ve already had measles, your body has built up its immune system to fight the infection, and you likely will not get measles again. For everyone else, there’s the need for measles vaccine.

Treatment:

There’s no specific treatment for an established measles infection. However, some measures can be taken to protect vulnerable individuals who have been exposed to the virus. Your doctor can advise you of your best course of action.

  Post-exposure vaccination.

 Nonimmunized people, including infants, may be given the measles vaccination within 72 hours of exposure to the measles virus to provide protection against the disease. If measles still develops, the illness usually has milder symptoms and lasts for a shorter time.

Immune serum globulin.

Pregnant women, infants and people with weakened immune systems who are exposed to the virus may receive an injection of proteins (antibodies) called immune serum globulin. When given within six days of exposure to the virus, these antibodies can prevent measles or make symptoms less severe.

Medications—after consulting with your doctor.

    *Fever reducers. You or your child may also take over-the-counter medications such as acetaminophen (Tylenol, others), ibuprofen (Advil, Children’s Motrin, others) or naproxen (Aleve) to help relieve the fever that accompanies measles.

    *Antibiotics. If a bacterial infection, such as pneumonia or an ear infection, develops while you or your child has measles, your doctor may prescribe an antibiotic.

    *Vitamin A. Children with low levels of vitamin A are likely to have a more severe case of measles. Giving vitamin A may lessen the severity of the measles. It’s generally given as a large dose of 200,000 international units (IU) for children older than a year.

 Communicable period:

A person with measles can spread the virus to others for about eight days, starting four days before the rash appears and ending when the rash has been present for four days.

Post-exposure vaccination:

Nonimmunized people, including infants, may be given the measles vaccination within 72 hours of exposure to the measles virus to provide protection against the disease. If measles still develops, the illness usually has milder symptoms and lasts for a shorter time.

Immune serum globulin. Pregnant women, infants and people with weakened immune systems who are exposed to the virus may receive an injection of proteins (antibodies) called immune serum globulin. When given within six days of exposure to the virus, these antibodies can prevent measles or make symptoms less severe.

Lifestyle and home remedies:

If you or your child has measles, keep in touch with your doctor as you monitor the progress of the disease and watch for complications. Also, you can try these comfort measures:

    *Take it easy. Get rest and avoid busy activities.

    *Sip something. Drink plenty of water, fruit juice and herbal tea to replace fluids lost by fever and sweating.

    *Seek respiratory relief. Use a humidifier to relieve a cough and sore throat.

    *Rest your eyes. If you or your child finds bright light bothersome, as do many people with measles, keep the lights low or wear sunglasses. Also avoid reading or watching television if light from a reading lamp or from the television is bothersome.

For a complete version of the acclaimed Mayo Clinic Article log onto http://www.mayoclinic.org.

HAIR REGOWTH SCAM

S CAMS BULLETIN Host Jay White is a volunteer attorney who provides free legal services to low income seniors in San Mateo County, California.

May 6, 2019

HAIR REGROWTH SCAMS

A person can lose hair for a range of reasons. It can be caused by hereditary predisposition, or to illnesses that causes hair loss. In some cases, either for cosmetic or genuine medical need, a person may search for a solution to restore hair.

While certain treatments and procedures have produced desired results, many others are based on phony claims. It may be illegal to claim a product or service achieves hair regrowth without back-up scientific evidence and Federal Drug Administration approval.

But that doesn’t stop fraudsters from using wording that implies regrowth without actually saying it. For example: A fraudster might say their product “helps people who are balding.” They might even use phony before-and-after photos that suggest hair regrowth when all the product actually does is thicken existing hair.

Here are simple tips to help avoid a hair loss treatment scam:

*Before seeking any kind of treatment, speak to your doctor. There are some drugs, ointments, and injections that have been shown to work on certain hair-loss disorders such as alopecia.

*Beware of ads or promotions that use words like “miracle,” “wonder,” and “amazing.” There are no miracle regrowth treatments.

*If you’re seeking a surgical procedure, ask for evidence of success and customer references. Ideally, it would be helpful to meet up with someone who has successfully undergone the treatment.

If you have been a scam victim, or believe there is an attempt to victimize you, the Federal Trade Commission requests you report it to http://www.ftc.gov.

Notre Dame Donations Scam

April 30, 2019

NOTRE DAME DONATIONS SCAMS

Following the recent devastating fire that destroyed much of the famous and historically important Cathedral of Notre Dame in Paris, fundraising efforts have begun. Many generous people may decide to donate money toward rebuilding efforts. Scammers know that–and are ready to take your money.

 Here are some things to consider before you give to an organization or a crowdfunding project:

Research the organization. Search online for the name of the organization plus the word “complaint” or “scam.” Read what others say the about the organization.

It is important to ask questions. If you receive a call from someone asking for money to help rebuild the Cathedral, ask for proof they represent a legitimate charitable organization.  Ask them how exactly your money will be used.  

 Crowdfunding sites may not monitor how donations are spent. Online fundraisers should tell you who gets your donation and how your money will reach the charity. They should also tell you if they keep any part of your donation as a fee.  These details should be clear and easy to find without hunting through fine print. If the details are not clear, consider taking your donation money elsewhere.

Donations to foreign organizations generally are not tax deductible. If tax deductions are important to you, make sure the group is established in the U.S. Check the IRS’s Tax-Exempt Organization Search to see if your donation would be tax deductible. Remember that donations to individuals, as in some crowdfunding sites, are not tax deductible.

For more tips on how to donate wisely and avoid scams go to FTC.gov/Charity.

Veterans’ Benefits SCAMS

SCAMS BULLETIN Host Jay White is a volunteer Attorney who provides free legal assistance to low income seniors in San Mateo County, California

April 22, 2019

VETERANS BENEFITS SCAMS

U.S. veterans who receive calls or recorded messages claiming to be from “veterans services” should have their guard up. It should raise a red flag.

Fraudsters often leave voice messages following a script that goes something like this:

“Your VA profile was flagged for two potential benefits due to the changes in the VA program. These are time sensitive entitlements. Please call us back at your earliest convenience”.

Scam callers are attempting to elicit financial and other personal information from veterans. They are telling vets there is a new type of veterans’ benefit related to home loans. The fraudsters often leave voice messages following a script that goes something like this:

“Your VA profile was flagged for two potential benefits due to the changes in the VA program. These are time sensitive entitlements. Please call us back at your earliest convenience”. Don’t do it.

Scammers may offer “benefits,” such as loan modifications to their mortgages–then asked for personal information, including social security numbers, dates of birth and bank

account numbers.

Scammers who gain access to personal information can use it to steal money from bank accounts, credit card accounts, or sell the information to other bad actors for use in identity theft fraud.

Scammers preying on veterans may purport to be from the “Update Your Military File”, the “Veteran Charity” or “Veterans Choice Program”.

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If you receive a call that offers any of the above “services,” hang up immediately.  If you receive a voice message, write down the callback number and e-mail that information to the Federal Trade Commission www.ftc.gov.