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Consumer Protection: Fight Fraud and Be Scam Smart!

Consumer Protection: Fight Fraud and Be Scam Smart!. Scams can happen in many different ways. P ersonal information is a valuable key to a consumer’s identity. Knowing how to protect your information and identity is crucial. Privacy & Identity. TELEMARKETING SCAMS.

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Consumer Protection: Fight Fraud and Be Scam Smart!

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  1. Consumer Protection:Fight Fraud and Be Scam Smart!

  2. Scams can happen in many different ways.

  3. Personal information is a valuable key to a consumer’s identity. • Knowing how to protect your information and identity is crucial. Privacy & Identity

  4. TELEMARKETING SCAMS

  5. Telemarketing Healthcare Scams • New Medicare Card Scam:Claim they are from Medicare issuing new cards. • Medicare’s Redesigned Summary Notice: Asking for a home visit to discuss new details of the MSN’s. • Durable Medical Equipment/Diabetic Supplies: “Free” diabetic supplies and medical equipment. • Affordable Care Act Insurance: “New insurance opportunities from the Federal Government …”

  6. How to Spot Telemarketing Scams • Caller says they are from a well-known organization. • Promises something for free, then asks for money, bank account, credit card, social security or Medicare number • Scammers may even have your billing information and are trying to get verification so they can say the charge was approved.

  7. A few red flags to help you spot telemarketing scams: • "You've been specially selected." (for this offer) • "You'll get a free bonus if you buy our product.“ • "You've won one of five valuable prizes.“ • "You've won big money in a foreign lottery.“ If you hear a line that sounds like this,say "no, thank you," hang up, and file a complaint with the Federal Trade Commission ( More )

  8. More red flags to help you spot telemarketing scams: • "This investment is low risk and provides a higher return than you can get anywhere else." • "You have to make up your mind right away.“ • "You trust me, right?“ • "You don't need to check our company with anyone.“ • "We'll just put the shipping and handling charges on your credit card."

  9. Money Transfer Scams

  10. Money Transfer Scams! Western Union/MoneyGram/ Green Dot MoneyPaks • Family Emergency Scams: Scammers may pose as relatives or friends calling for help and need money wired to them. • Grandparent Scam: Caller may pose as the grandchild saying they are in trouble and need money quickly. • The Prize Promotion Scam: “You’ve won a prize!” Wire some money to cover processing and your prize will be delivered.

  11. Wiring Money/Prepaid Cards It’s quick , it’s easy and it’s gone forever!! Wiring money and prepaying cards is just like sending cash and once it’s gone you can not get it back. Don’t wire money or provide prepaid card information: • To a stranger • To someone claiming to be a relative in crisis • When a money transfer/prepaid card is the only acceptable form of payment • When you are asked to deposit a check and wire some of the money back

  12. Counterfeit Check and Mail / Email Scams

  13. Counterfeit Check and Mail/Email Scams • Social Security Benefits: Doing a benefits check up and asks you to provide your SSA# . • Lotteries and Sweepstakes: You just won a foreign lottery! • The Check Scam: Someone you don’t know from a foreign country asks for help to access their money.

  14. More Email and Online Scams • Work -at- Home Scams: Ads that offer steady income from home. • The “Nigerian” Email Scam: Foreign Government officials need money protection. • Tech Support Scams: Posing as well-known companies like Microsoft. Saying they have detected viruses or other malware.

  15. Do’s and don’ts of online/ email offers: • Don’t provide credit card or financial information • Don’t give control of computer to a third party • Don’t rely on caller ID to authenticate caller • Don’t use online searches, use company contact information • Do get rid of malware • Do change any passwords that you give out • Do file a complaint

  16. Fundraisers and Charitable Scams

  17. Fundraisers and Charitable Scams • Police and Firefighters Fundraisers : “Show your support by making a donation” • Charities for Vet & Military Families: “Support the troops and those who have sacrificed” • Disaster / Recovery Scams: “Help victims of Hurricane Sandy”, “Boston Bombing Victims”

  18. Donate to charities with a track record and history. • Ask who the contribution is going to - and how it’s going to be used. • Don’t give cash donations. • Ask for a receipt. Charitable Giving Advice

  19. Tips to Help Keep Your Identity Safe • Examine your wallet and ask yourself if you need to carry all the pieces of identification in it. • When someone asks for your Social Security number, ask why they need it. • Use a password to protect your cell phone, if the phone has that capability. • Encrypt your home wireless network. • Avoid clicking on attachments or links contained in any unsolicited emails; don’t respond to unsolicited emails. (more)

  20. More Tips To Help Keep Your Identity Safe • When using a debit card, use it as “credit” instead of “debit” for better protection if the card information is stolen. • Do not use the same password for all your online accounts. • Do not click on any pop-ups on the internet. • Limit the information you make available on social networking sites.

  21. Be scam smart… protect your identity!

  22. Questions?

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