Tips for Avoiding Scammers
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- Опубликовано: 10 июл 2024
- We share several tips publishes by AARP that will help all of us avoid the scammers that are sadly now so prevalent in our society.
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Voice harvesting by way of AI and the number 1 thing they want you to say is "yes" - never say yes. The first thing they ask is "can you hear me?"
Thanks for reminding us of this one. I knew about it long ago but thought it was no longer a thing. I used to answer other ways without using the 'yes' word.
So true. I was surprised that this wasn’t on the list
Oh wow I didn't know this. Pam or Jim should pin this comment to the top.
@@gloriajackson2021 Say, ‘Yes,’ and your answer might be edited and used to prove you had willingly subscribed to a service contract or to buy an unwanted product.
I get these calls from time to time with the "can you hear me?" I shout NO! and hang up.
Just dealt with one this past week. If someone calls with the 1st 6 numbers on a credit card or debit card, then ask you to verify the rest, STOP! Do not do it. The 1st 6 identifies the institution only. Scammers google that info. The rest is needed for them to access your bank account. NEVER verify.
Pam using the word "unsavory" tickled me, but the pause before she used it was priceless!
A much needed video.
I don't even answer my phone anymore. I let it all go to voicemail.
If there is a message with a phone number to call, i will not use that number but look up the phone number myself.
Also, legit businesses will not contact you and ask for any personal information.
If its legitimate they already have your info if they have your phone number. Its all im the same file
Good advice that I heard this year is that a 1/2 full gas tank is an empty tank. I always keep a full tank now, no matter how tired I am on my way home. 😰
Always keep full tank three quarters is my signal to fill up that’s three quarters full!!! Never get to half even! Too dumb of a world we live in now.
For many reasons!
I am a member of AMAC and they have those kind of articles too. They are a more conservative outlook. I have had some of those scams and they sure do get old.
Same. I won't give my money to AARP.
I am too. The only thing I haven’t liked is their “equivalent” to AAA. I’ll renew my AMAC membership but not their towing.
This is a difficult subject for many, as some have fallen for the scam(s) and have lost a lot of money and felt alone and very vulnerable.
Thank you for sharing your knowledge and with much encouragement, helping us to do our own research and gather more education on the above issues. This will help many to learn self protection against scams.
Thank you again! You two are just lovely!
Sadly another senior who has a channel refused to share and discuss this topic when I left an comment about it. She said her son told her about it and dismissed the idea. Thanks Professor Pam!
I froze my credit on every credit bureau, it’s easy to unfreeze it if I need credit for a new loan or to open a bank account. This doesn’t impact my credit cards or their use.
another concern is skimmers at the gas pumps, and grocery,
dont swipe cards, go inside to pay.
Scam equipment can be put on the inside ones too. I use a card that is one I have to load myself and I can get close to the dollar amount at the touch of a button and they cannot use the card for anything, It also alerts me before I leave the register what was charged and taken out. I keep it empty until I want to use it.
Another scam for the elderly is calling and says that a family member is sick, imprisoned or incapacitated. And they need money so please send.
With AI deep fakes they even have programs to sound like them. So keep answering machines short and sweet. The more words you use the better sample size for AI to copy and use your voice against other family members or their voice against you.
If that happens calm down, get another phone and called the person to verify if they are hurt or need you. 9 out 10 times the person answers the phone and are perfectly find.
Just this morning I was contacted by the US District Court for not appearing on a certified delivery summons as an expert witness with an unblemished background. Oh, my! Scam.
It is very ugly that scammers prey on the elders among us. Never call or click on a link within an email or message. Call the number on your card, or look it up. Use a separate URL that you know is the company or agency. Sadly too many elders have been taken in by these ugly tactics... Thank you for all you do Pam and Jim 💜💜💜💜
One additional tip I can give, regarding your annual free credit report from the three credit agencies, is to get one every 4 months ( or 3 1\2 months), one from each credit bureau, not all three at the same time. That way you spread out your free credit report for the year. I've gotten all three at the same time, and they always contain the same data, requesting one from each agency over the course of a year helped me monitor my credit
I had 61 cents taken out of an account and put right back in. I called my bank and ordered a new card. Still watching… my acvounts
I also had a charge for $1.27 on a card. Within an hour that charge was reversed. Of course at first I thought it was just an error only to have a $700 plus charge come through somewhere out of state. I immediately called the credit card company, told them what had transpired, and requested a new charge. If I ever see so much as .01 come through my cards I'd immediately request a new account. After that incident I also added security to all cards as well as my banking to text me with any charges or withdraws that are posted. Some cards can be as little as $5, some are more. Yes I get a text message now EVERY time I use my cards, but it's worth it to know immediately what's going on.
Also, a relative was scammed by someone claiming to be a famous personality, asking for large amounts of money, and if they couldn't do that, then to send them all kinds of gift cards - if anyone asks for payment in gift cards, you know they are scammers.
THANK YOU from the UK. 😊
I turned on "Silence Unknown Numbers"........thank you!!!!
I asked Apple to create a silence unknown texts. I’m getting political texts from everyone (& their brother plus their dogs). Often more than 20 a day. It’s killing my battery. It’s suggested that I get a new number, but shouldn’t have to do that.
With the scammer calls that normally are computer run I will respond by saying things like "I am watching The Hallmark channel what channel are you watching?". It is funny because many times their computers had to rewind and rewind to a different response and then rewind again for another response lol
Thanks Pam and Jim. Good information. We must all be very careful these days.
I just watched the Bee Keeper, a Jason Statham movie. It's about scammers. It has violence, of course. But it show how they use emotions like you were talking about & scammed a lady out of 2 million dollars
Definitely put a freeze on all three credit bureaus. Thanks for the video and the useful information!
I would also suggest you instruct your credit card provider to inactivate the digital wallet associated with your card. The digital wallet allows scammers another weakness to defraud you with fraudulent transactions.
Thank you for doing this. It was great. I used to be guilty of using the same password for everything and stuff like that. Now I have passwords that are absurd so I had to force myself to learn them but they have no tie in my world at all.
Be very cautious walking & talking on your phone in stores or open areas. There are gangs who are now looking for that. They come from behind you & grab your phone. Your phone will be opened, not locked, & this gives them access to your info! I personally know dispatchers who have confirmed this into.
This was an excellent informative video. Thank you Mrs. Pam for sharing this valuable information to keep us safe from thieving scammers.
Such an important video.
Beware of the current whatsapp hacking scam that sends messages to your contacts from your number asking for money.
Crooks stand behind you at the grocery store, and if you tap your card, they charge your account at the same time as your pay for your groceries so that both transactions goes through simultaneously and you don't notice the second amount going off from your card.
😢 sad state the world is in.
One of the reasons I NEVER use tap to pay.
I ALWAYS insert my card, I keep them in an RFID protecting wallet, and luckily, my BS meter has always been quite good regarding scammers.
My dad got taken in by several of them when he was in the early stages of Alzheimer's Disease.
@Keyspoet27 For this reason, I refused to activate the tap to pay option on my card. So many people get irritated and try to pressure me to use tap to pay, but I stand firm that a slight convenience is not worth the substantial risk. I also supported my parents in their decision not to use tap to pay. We'd rather take the extra 10 seconds to insert the card than have our accounts emptied.
Two weeks ago I came across a new kind of interface at checkout where the slot to slide my card was angled in such a way that I could not readily tell where to start sliding. I was sliding my card because the chip reader was not working. The cashier grabbed my card out of my hand and tapped it. I never use tap to pay. She handed it back to me with a smirk. I was stunned that she did that. I told her that I never use tap to pay. She handed me my receipt and greeted the person behind me.
The more I thought about what happened the madder I got.
I now have an RFID blocking wallet and my cards are in RFID blocking sleeves. I load only the card or cards I might use for a particular shopping trip.
I agree that we need to step up our security game and situational awareness.
Never make purchases online with a debit card.
Having worked in the debit card department for many years, can tell you the scammers are VERY VIGILANT! People are lonely and fall victim to those who pretend to be a friend or potential love interest. Sadly, some of the worst cases are family members and/or those working in the home for the person. It’s awful, but we cannot trust that we know someone will not take advantage of us. Good review Pam!
Yes, we are always on the alert for scams. If I get a email or message about one of accounts that has a problem, I do not call the number provided or answer the email. I call the actual organization for which I have a number from statements or other reliable sources. I tell the representative I have a possible fraud situation and I am transferred to the appropriate person or department. I some cases, I will freeze the account, and make a trip to the office for a face-to-face meeting. Jim
Good tips! As a password, I memorized a string of 4 vehicle license plates of two cars I no longer own, and two cars my parents owned when I was a child.
Thanks for the phone tips in particular! We get so many "tele-marketer" calls in the early a.m.
Great advise.. this has happened to us multiple times.
Thanks, Pam and Jim.
Also for the calls that say they're from Medicare or they're from my internet provider I will thank them for calling and I will tell them I am going to call Medicare directly or I am going to call my internet provider directly etc. and then call Medicare or the internet provider etc with a known phone number
My mom got one yesterday for her husband who has past she told them if they found that phone number to call her back.
And if you pay off the mortgages, scammers can go to city halll (or the county it might be) and transfer the deed to your home into their names for a small fee. Using forged documents. Then show up and kick you out with the ‘papers’ to do soZ
Yes be skeptical
At my bank they allow up to 8, numbers for a pin. Most people only use 4. I use all 8. Also thank you for explaining how to silent incoming calls you don't know. I'm now using it.
Thank you for this information, as I have been blasted by scammers lately.
Thanks, Pam. Great advice all around. I have a friend who sat her purse in her shopping cart and a very nice woman struck up a friendly conversation distracting her while her partner got her wallet from her purse in the cart.
Wow! Thanks for sharing!! I think we always need to be aware of people around us. JIm
Thank you! Just caught a scammer today. Hacked into a Costco account.
My husband used his Costco credit card, hence flashing it to get into the store and then account was fraudulently used. Don’t ever flash your credit cards for membership stores. Either use the phone app or the plain old physical membership card.
Great video! Important info and how-to on fixing some gaps in security. Thank you for sharing!
Thank you Jim and Pam
In heaven there will be no passwords.
For creating passwords, I will take a phrase like "I love my dog scruffy" and then I will make some of the letters uppercase some of the letters lowercase I will change letters to corresponding number on the telephone pad and then I will also change some of those numbers to the corresponding symbol on the computer keyboard. And it's easy for me cuz I will remember the phrase and will remember this is an uppercase this is a lowercase this is a number this is a symbol but in my mind I am remembering the phrase.
Thanks for sharing this about scammers. I enjoy your videos and the effort involved. ❤
Good talk. Lots of good advice. Thank you!!❤❤
Thanks for info. I silenced unknown callers. I didn’t know about that
I keep my credit frozen with alll three credit reporting companies. No one can open credit in my name.
Great advise! Thank you for sharing.
Great info, for people of any age!
Good advice! Thanks
Thank you for this video. I was also told not to carry personal checks anymore. My credit card accounts have alerts that can be set so I am notified by email if there is activity over $1 on my accounts. That is the way I knew my card had been compromised. I was able to contact my company and take action immediately.
Great info! Thx
Good points 😊
Thank you so much
Never click on a link if you didn't ask for it to be sent to you.
If you think a message might possibly be legitimate instead of clicking on a link then look up the phone number and call them yourself
Thanks!
One last tip: do NOT let your college age children print out copies of their tax returns in their college apartments. You do not know who their roommates really are or who those roommates' boyfriends or girlfriends are.
I also put a freeze on my credit reports. You can turn those on and off as needed. Once your credit reports are frozen nobody can apply for new credit in your name. In turn, if you yourself needed to apply for credit you just remove that freeze then apply for the credit you are choosing.
Also I will tell them on the phone that since I did not initiate the call I will not be providing them any personal information at all.
My husband had somebody charge $1.00 from his debit card in New Mexico. We live in Ohio... the fraud department from our bank called us and we too thought it was scammers. Lol but it wasn't. Closed down that card and got a new one and changed passwords.
If I get those calls or emails or notifications, I call the local office, and speak with someone I know. Jim
Don't carry your check book. If you are going to the bank bring the one check you intend to use and leave it unsigned until you get to the bank.
I work for Auspost and it’s frustrating because sometimes we do need to ring a customer to confirm an address and we are having to RTS parcels, and as soon as we scan it as RTS we get the customer ringing back going ohhhh I thought you were a scam. Even when I give them the option to pick it up from the post office.
I did have it happen to me. I had to change my bank card.
Ah, but WE appreciate YOU!
I have had many scammers . The one that got me was a call from my bank phone number. It wasn't my banking. 😊
So sorry. I almost got scammed from an ex employee of a utility company the exact same way.
The phone number they left on my machine had the same menu as the utility company.
Many people don't know there are programs where scammers can make phone calls look like they're coming from someone else.
If I get a message I look up the phone number and call them back myself.
I hate that phone numbers can be spoofed because our community of under 100 households all have the same area code and first 3 numbers with the identical numbers. Only the last 4 digits were unique. When I see what looks to be a local call on Call Display, I answer only to find it is not local (scammer). It is a 'made you pick up' annoyance instead of ignoring the call. Now many people do not use a landline anymore and their cell is not identified with those prefixes, but there are still enough to feel compelled to answer the call.
They can also not hang up the phone when they are done leaving you a message then you believe you are calling a legitimate business when instead you are calling them.
A friend of mine says she doesn’t use her bank card for any online purchases. She buys a pre-paid credit card and uses that instead. That way it’s not connected to any of her financial institutions. I thought that was genius! I wish I had been doing this all along!
Sounds Great! Jim
❤
I used to change my debit card every few months. I guess I should go back to that practice. I did have someone run $236 and some change through Walgreens in Dallas twice one time. That flagged the fraud dept at my bank and they contacted me. I had been in Dallas the weekend before but had not been to a Walgreens. The bank refunded my money and then investigated. I never heard if they caught who did it. I also need to get better at using different passwords. All of mine are not the same and some I dont even remember. That's why when I went from IPhone back to Android, I had to open a new Facebook account.
We are sorry to hear about that. We were notified about one of our cards and the accounts were frozen. We had to notify the card financial institutions it was not us and cancelled accounts and opened new ones. Jim
One person I know has a string for a password. Then they add a few letters before or after the string. Like a BOA for Bank of…. Or CHS for Chase or …. All passwords are different this way.
Great advice!
I use the block feature in my emails, on e I see something I dont trust
Beware that doctor offices, Social Security, etc. that you don’t have as a contact will not ring. . . If you happen to be waiting for a call ~when you have unknown callers muted.
SSI and IRS do not call you, they send snail mail. If I do not recognize a number or name or there is not message, I delete the message or call. Silent calls, I also delete. Jim
Often i think having no money and a limited income is protection against scammers. But they do not care. Any amount of theft is worth their effort. And on Social Security? They know your "payday "
We do NOT use finger prints OR facial recognition for ANYTHING> If you are kidnapped, or worse, they have your face and fingers. Passwords and pins are the BEST. And PLEASE do not use any numbers on any card in your wallet for a pin..they know that trick too.
Also, if on social media do NOT play those games or answer questions (Such as I bet you don't remember the name of your first trade teacher.) When asked "Is this so-so" reply 'it is' and can you hear me, I do but never yes.
When asked “is this so and so?”, I simply respond “May I ask who’s calling?”. If they refuse, I hang up. I don’t even admit that I am myself before responding to any of their questions.
@@mrs.bissonnette7498 Yes, another great response and I have done this as well.
Now there is a way to produce a voice very similar to people you know (or to yours) with just a little audio data. So preferably don't speak at all if it's a call from an unknown number, otherwise, scammers may collect voice data until they can use your voice to say whatever they want, wherever they see fit.
Yes, we know. If If I do not recognize the number. I do not answer. If no message is left, I delete it. Jim
My bank offers a “travel card” it’s like a refillable gift card. There is a small fee to have the bank transfer funds to the card, but it is not connected to your bank account.
Interesting! Jim
Thank you. Yes. Check, check and check again. Scammers originate mainly from two places. Nigeria and Africa. Don’t think you’re immune from this. I made a comment on public news post the other day and someone (a man)..maybe) I don’t know ❤ it. I immediately checked their profile and it was relatively clean (first 🚩) then I screenshot the profile image and searched it by Google images.
Four different names for the same picture (🚩 #2) This is how it starts.
I immediately blocked. Romance scammers have taken millions from those “looking for love in all the wrong places”.
Don’t be a victim.
That sounds like great research. Jim
When I got my new tablet, I had a really hard time setting up a password. It would not accept anything that I tried. It suggested using two words that have nothing to do with one another and then numbers or symbols thrown in.
I ordered a RFID wallet because years ago my bank card was used to go to the Super Bowl. Mine you the card never left my wallet. I pulled up my account online to see a negative balance in red for over $500.00. I contacted the bank and told the bank employee that I was looking at my debit card while talking to her. She tracked the charges and stated they came from California. I said I have never been to California. She stated someone probably used some kind of reader to get my debit card information while I was standing in line at a store to checkout. She immediately put a freeze on that card and issued me a new one. I was blessed that I did not have to pay for any of those illegal charges. The bank said they would file charges on my behalf. If you don't have a RFID wallet it would be a great idea to get one or something that will not allow people to use a device to read your credit or debit card numbers and using them later for illegal activities. Pam, thanks for the great information you presented during this video.
Me & my husband stopped using a debit card a few years ago because they are so easy to money from your account. Only use a bank credit card.
I can't delete my contacts. When I try, they come back. Android user here. This is frustrating because my mother passed away in 2020, and yet even her contact keeps reappearing. Former bosses even. I Googled how to, but they come back anyway. 😢
Can you visit your local provider? Sometimes they will guide you through the process of deleting a contact. All you need is one example and the rest you can do on your own.
It may be a syncing issue. Most Android phones automatically sync to your Gmail contact list unless you manually turn off this feature in settings. You may have to edit your Gmail contacts, or turn off syncing on your phone, them make changes to the phone contacts. Hope this helps, good luck!
On the rare occasion I answer a call from a number I dont recognize I dont say anything. Its odd how many times they dont say anything and the call times out and ends.
Most the times if I get a call or message from a number I dont recognize I just block the number.
I figure if its important they will send a letter.
Didn't you overshare a bit on the tips as people might use them if they want to guess *your* passwords? 😬
My daughter said never click on a link in an email even if you are sure that you know who the email is from. Instead of clicking the link go to the website and see if what is in the email is true. I have done that and on occasion I have found that it was not true what was in the email. So now I never ever click on a link in an email I just go to the website.
We agree completely! Go to the actual WEB site and contact one of the reps that way. Jim
Don't answer unfamiliar calls. Let it go to voice mail. Me & my husband are inundated with calls to buy our home and property not for sale.
Yes, we agree! Jim
🥰👍🏻👏🏻👏🏻👏🏻👏🏻
i asked you a question a couple weeks ago, but it looks like my comment was deleted/taken down. what did i do wrong? i'm a bit older and not very computer/youtube savvy, so i don't know all the rules. i was hoping you might reply though. i had a question about the cobb cooker grill that i bought after watching some of your videos.
Please resend the question. We apologize for not answering your question. Please go to roseredhomestead.com, click on the Books, Click on FIND OUT MORE (payhip.com), and click in the three lines (Left) below the blue banner, slide down to Contact, click on it and fill out the information for Get In Touch, and write your message and Send it. This will come directly to Pam and she will answer it. Jim
@@RoseRedHomestead could you please give me the name of the cobb grill company person who contacted you? i've been trying to call them about one of their products that i want to order, but their phone is out of order and i want to write him a letter. thanks so much.
FFS.....DO NOT answer phone calls from numbers you do not know.
My drs office requires my medicare card.
Yes but you don’t go to the Drs everyday so only carry your Medicare card on days with Dr. appointments.
also free items on the internet then ask for money or your birth date is a scam.
I use them to spread false addresses and birthdate. That way the birthdates I have are all over the calendar. Sometimes I am 45 and born in August. Sometimes 72 and born in November.
dont link your checking to savings account. I prefer not to use a debit card. Many victims of identity theft.
Thanks.
I often get text messages from unknown numbers wanting me to open Links are these scams
DEFINITELY!
On your camera, turn off your location.
Definitely!