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A podcast by BBB of the Tri-Counties  A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast!  

Welcome to this week’s edition of Your Moment of Trust! You’ve likely heard ads on the
TV or radio about the Camp Lejeune class action lawsuit for U.S. military veterans and
their families exposed to tainted water at the camp. Marketing agencies and law firms
spent over $40 million advertising the lawsuit. Now, scammers are jumping on board
too, hoping all the media attention makes it easier to trick people, especially military
personnel, into falling for common scam tactics.

How the scam works

You receive an email or phone call telling you you qualify for compensation for the
Camp Lejeune class action lawsuit. The email may claim you are entitled to tens of
thousands of dollars. You need to click a link or call a number to get your compensation.
For example, one recent target told BBB Scam Tracker: “[The caller] said they were
representing Camp Lejeune and needed information about my brother who served in
the military. Since he died years ago from cancer, they said I had $5,000,000 waiting in
compensation from the Marines.”

From here, the scam takes several different forms. Clicking the link could download
malware onto your computer or mobile device, putting you at risk for identity theft. In
other versions, scammers direct you to a website with a form that asks for personal
information. In yet another variation, the scammers are after your money and personal
details. They claim you need to pay an upfront fee, so they can file your case and
receive your money. If you pay them, they’ll continue to ask for more “filing fees” until
you become suspicious. As soon as you realize the con, the scammer will disappear
with your information and money.

How to avoid class action lawsuit scams

● Don’t believe in promises of quick cash with minimal effort. Scammers love to
promise that fast cash is in your immediate future. The reality is even
well-deserved compensation will take time to receive. It’s worth noting, too, that
veterans who served at Camp Lejeune can apply for VA disability compensation
and health care benefits without filing a lawsuit or getting help from a lawyer.

● Never click on links in suspicious emails. Be wary of unsolicited emails in
general. Please don’t click on the links they contain, as they could lead you to
fake websites or download malware onto your computer.
● Stay alert to variations of this scam. Emails aren’t the only way scammers may
try to contact you about this and other class action lawsuits. Keep your eye out
for similar scams sent via text messages, phone calls, or even mail.
● If you think you deserve compensation, apply through official channels. Visit
VA.gov/CampLejeune for official information on how to apply for compensation.
You can file for disability compensation online and learn what steps to take to file
a Camp Lejeune lawsuit.
● Only work with reputable representatives. If you are ready to file a claim or
appeal and need help, don’t settle for working with the first lawyer who pops up
on a TV ad. Instead, do thorough research before choosing a legal representative. Get to know all your options, including working with an accredited attorney or a Veterans Service Officer (VSO).

Until next time!

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A Podcast by BBB of the Tri-Counties 

A BIG Thank you to Ayers Repairs in Santa Barbara for Supporting this Podcast

Welcome to this week’s edition of Your Moment of Trust! Retailers and shippers
traditionally hire seasonal workers to fulfill holiday shoppers’ demands, whether online
or in person. These jobs are a great way to make extra money, sometimes with the
possibility of turning into a long-term employment opportunity. However, they are
sometimes not all that they seem.

When looking for something part-time or to fill the gap until a better opportunity comes,
the Better Business Bureau has some suggestions to make the seasonal job hunt
successful. According to the 2022 BBB Scam Tracker Risk Report, employment scams
rose to the second riskiest in 2022. Being proactive in finding the right opportunity is
key, but be careful when a job just seems too good to be true.

Tips to avoid holiday job scams

● Employers will never ask for payment upfront for a job. Beware businesses that
ask applicants to pay for job supplies, application, or training fees. These
expenses are the employer’s responsibility – and asking for money is a big red
flag that something is wrong.
● Be wary of job offers that don’t require an interview. Even during the peak hiring
season, reputable companies prefer to talk to top job candidates before hiring
them. If a job offer is presented without an interview (on the phone or in person)
or is offered only via the Internet, question the company’s hiring practices and do
a little more digging.
● Be wary of big money for small jobs. If an employer promises outrageously good
wages for simple tasks such as reshipping packages, stuffing envelopes, or
answering phones, this is a red flag. These too-good-to-be-true offers are an
attempt to steal your personal information from a fake job application and can
cause problems for you for a long time.
● Never work for a company before they hire you. A legitimate company will not
ask potential applicants to complete complex projects before making an official
offer. Before beginning any work, request an offer letter or written confirmation of
what the job entails, including an official start date and compensation details.

For more information

Read more about employment scams and how to avoid them.
For more holiday tips, visit the BBB Holiday Tips page.

Until Next Time!  

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A Podcast by BBB of the Tri-Counties:  https://www.bbb.org/local-bbb/bbb-of-the-tri-counties

A BIG thank you to Ayers Automotive Repair in Santa Barbara, for supporting this podcast. https://www.ayersrepairs.com

Welcome to this week’s edition of Your Moment of Trust!

Zombie debt is defined as debt that has been “raised from the dead,” so to
speak. It could even be something you never owed at all.  When a person doesn’t pay a debt, the lender will take action – by phone, letter, or even a court case – to collect the money they are owed. In some cases, though, the debtor simply can’t pay or can’t be found. In other cases, the debtor files for bankruptcy and, depending on the kind of debt owed, the debt may be put on hold, renegotiated or discharged completely.  Sometimes, this old debt comes back to life.

Some of the most common scenarios of zombie debt are the following:

● Unpaid debts that are beyond the statute of limitations when you can be taken to
court for payment
● Unpaid debts you owe but forgot about
● Unpaid debts wiped out with bankruptcy
● Debts you already settled with the creditor
● Fraudulent charges from identity theft
● Fake debts “creditors” claim you owe as part of a scam

How does debt come back to life?

Creditors often remove old debt from their ledgers and sell it to third-party collectors. In
some cases, the debts are legitimate, but in other cases, they aren’t. When debts are
sold and re-sold, the records may be incomplete or inaccurate. Think of it as a game of
“telephone.” The more times a debt is passed around, the more chance that the related
information is wrong.

When debt collectors call

The legal treatment of old debt will depend on where you live and the type of debt in
question. Depending on the law, debt collectors are not allowed to sue for old debt if the
statute of limitations has expired, however, they are still allowed to contact you and ask
to pay off the old debt. Check the statute of limitations for each U.S. state and Canadian
province for more information. However, if you start to make payments or acknowledge the debt in some way, the action may restore the collection agency’s legal right to take the matter to court. Never agree to make a payment on a debt you aren’t sure about, even if the collection agency puts pressure on you for payment.

The best way to start is by doing a thorough investigation. Search through old records to
find bank statements and notices of payment. Gather as many facts as possible about
the debt in question. Next, within 35 days of initial contact and without acknowledging
the debt is yours, ask the creditor for a debt validation letter. The Fair Debt Collection
Practices Act (FDCPA) requires the debt collection agency to provide you with written
proof of the debt’s validity or a judgment against you, as well as the name and address
of the original creditor if the debt was resold. Once this information is gathered,
determine if the debt is really yours and if it still needs to be paid.

If you determine the debt was yours, but you already paid it, write a letter to the
collections agency and demand that they cease contact. Include proof of payment if
available. The collections agency is legally required to stop contacting you under the
FDCPA.

If you determine the debt is not yours or is invalid, write a letter challenging its validity
and where applicable, include any proof you may have. If you determine you do owe the funds and you can pay the debt, resolve the issue by first getting a payment agreement in writing and then eliminating your unresolved debt.  If you determine you do owe the funds, but you can’t pay the debt, you can pursue debt relief through bankruptcy or credit counseling.

When deciding what route to take, keep in mind that once a debt is past the statute of
limitations, collectors can no longer sue you to get payment. In addition, the FDCPA
stipulates that any unpaid debts should be removed from a person’s credit score after
seven years. If you decide to begin paying or pay in full an old debt, it could restart the
statute of limitations and affect your credit.

Learn more about ways your identity can be compromised without you even knowing it.
If you need to contact a collection agency to dispute a debt, request a debt validation
letter or ask the collection agency to cease contact, use these templates on Consumer.gov.

Remember that while most debt collection agencies are legitimate, there may be times
when a scammer is phishing for information. For more information on how to avoid this scheme, visit BBB.org/AvoidScams. If you’ve been targeted by a debt collection scam,
be sure to report it to BBB.org/ScamTracker.

Check out this episode!

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This Podcast is Brought to you by BBB of the Tri-Counties

A BIG thank you to Ayers Automotive Repairs of Santa Barbara for supporting this podcast!  

Welcome to this week’s edition of Your Moment of Trust!

One of scammers’ favorite tactics is impersonating a person or organization you know and trust. That’s the premise of this new text message scam, which has been popping up in recent BBB Scam Tracker reports. This time, con artists are impersonating your bank.

How the scam works

You receive a text message that looks like a fraud alert from your bank. It claims there is some unusual activity in your account. It may read: “Bank Fraud Alert – Did you approve a transaction for $1,000? Reply YES or NO.” If you reply to the text, the scammer now knows they have an active number – and a person to scam.
The scam doesn’t end there. The scammer will call you to follow up, and the number will appear in the caller ID as coming from your bank. When you answer, the caller claims to be a bank representative who can help stop the fraudulent charges. To do so, you need to send money to yourself using Zelle or another digital wallet app. The caller walks you through connecting the app to your bank account. Then, they ask you to verify the connection by sharing the code your bank sent.  Don’t do it! If you give the scammer your verification code, they can set up an account with your phone number and email – but their bank account information. If that happens,
when you send money to “yourself,” you’re sending money to the scammer. Disputing the charges will be difficult because the scammer has tricked you into approving the transaction. Sending money through a digital wallet app is like using cash, making it hard to get your money back. One consumer reported this experience to BBB Scam Tracker: “I received two texts stating it was the Wells Fargo Fraud Department wanting to know if I had made a Zelle transfer… I responded no and immediately got another text stating, ‘Thank you, no further action is needed, a representative will call you from 800-869-3556.’ Within a few minutes, I got a call from an individual stating they were with the Wells Fargo fraud department. The caller ID on my phone said Wells Fargo, and the person said they could reverse the transaction if I sign into my online account and open the Zelle app. I did this and the caller asked if I saw my name. I told him I saw my name in two places. It looked like I would be sending money to myself. The caller said everything was fine and
the money would come back to my account. After the call ended, I got two texts stating funds for $2,500 and $1,000 would be deposited in my Wells Fargo account. I went back into my account and there was no evidence of any deposits. What I did see was $3,500 taken out of my account and a zero account balance.”

How to avoid bank fraud scams

● Understand your bank’s policies. Know that your bank will never ask you to send
money to yourself. If someone tries to convince you otherwise, it’s a scam.
● Watch out for fake caller IDs. Scammers can spoof caller ID names and numbers
to make you think you are receiving a call from a reputable source. If you weren’t
expecting to be contacted by your bank, it’s best to avoid answering. Instead, call
the number on the back of your ATM card to confirm that there is an issue.
● Never share one-time passcodes. Scammers can use one-time passcodes from
your bank or any other company to access your accounts and change
information. Don’t share them with anyone, no exceptions.
● Contact your bank if you suspect a scam. If you receive an unsolicited call, text,
or email that you suspect is a scam, contact your bank immediately and let them
know.
● Don’t reply to suspicious texts. Ignore any instructions to reply yes or no if you
receive an unsolicited, suspicious text message. If you reply to a scammer, they
could save your number as “active” and target you with future scams.
For more information
See the related BBB Scam Alert about phony banking texts and calls and review the
BBB Tip on avoiding impostor scams.
If you spot a scam, report it to BBB Scam Tracker. Your report can help others avoid
falling victim to similar scams.

Until next time!

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A podcast by BBB of the Tri-Counties

A BIG thank you to Ayers Automotive Repair in Santa Barbara for supporting this podcast.

Welcome to this week’s edition of Your Moment of Trust! Tell Alexa to play your favorite
song. Ask Siri about the weather. Use Google Assistant to turn down the air conditioner.
But don’t ask your smart device to look up a phone number, because it could
accidentally point you to a scam.

How the scam works

You need the phone number for a company, so you ask your home’s smart device,
which might be Google Home, Siri, or Alexa, to find and dial it for you. But when the
company’s “representative” answers, you start to notice some red flags. This
representative may insist they can only help you if you make a payment by wire transfer
or prepaid debit cards. Other times, they demand remote access to your computer or
point you to a scam website.

One recent victim reported to BBB Scam Tracker: “I used Siri to look up the United
Airlines customer service line. Somehow, the call was connected to a different
company… The agent pretended to be a United Airlines agent and said he could help
me cancel my flight. The fee was $125. I was convinced it was United Airlines, but the
next day I realized my mistake. They said they would refund my money, but only after I
threatened to call the police. I’m still waiting for a refund.” Read more about airline
booking scams.

In another version of this scam, a consumer tried using voice search to contact Roku
with a question about setting up their device. Instead, someone pretending to represent
Roku charged them an $80 “activation fee” for a service that doesn’t exist. Learn more
about similar cons targeting smart TV owners.

In all versions of this scam, the “representative” isn’t from the company you were
searching for at all. Instead, scammers created a fake customer service number and
bumped it to the top of the search results. These bad actors hope that when consumers
do a voice search using Siri, Alexa, or another device, the algorithm will accidentally
pick their scam number and an unsuspecting victim will contact them directly.

Tips to avoid this scam:

● Be careful when searching for support phone numbers. Rather than doing an
online search or letting your smart device look up a number, use the contact
information on the business’s website (always double check the URL) on your
bill, receipt, or in your confirmation email.

Beware of fake ads. Scammers create bad ads with fake customer service
numbers. Using voice search to find a number can make it harder to tell a phony
listing from the real one. Get your information from the official company website
or official correspondence.

● Go straight to the source. For example, if you need to get in touch with Amazon,
use the Amazon mobile app or website. This goes whether you’re seeking
customer service, tech support, or when looking to make changes to your
account. Visit the Message Center on Amazon.com or on the official app to
review authentic emails from Amazon. Remember that reputable companies like
Amazon will never ask you to provide payment information for products or
services over the phone.

● Make payments with your credit card. It’s easier to dispute a credit card payment.
Paying by wire transfer or pre-paid debit card is like using cash. There is almost
nothing you can do to get the money back.

For more information

Check out these tips from the FTC.gov on security and smart home devices. In Canada,
check out these consumer affairs tips.  To learn more about scams, go to BBB.org/ScamTips. If you’ve been targeted by this scam, help others avoid the same problem by reporting your experience on BBB.org/ScamTracker.  Stay one step ahead of scammers by subscribing to BBB’s weekly Scam Alert emails.

Until next time!

Check out this episode!

A podcast by BBB of the Tri-Counties

A BIG thank you to Ayers Repairs in Santa Barbara for supporting this podcast.

Welcome to this week’s edition of Your Moment of Trust!

“Honey, we have a problem with the sink…”  When your significant other says those words, it’s never a good sign.  Having a reliable plumbing system is something that many take for granted. It’s plumbing that allows clean water to flow into your home and dirty wastewater to flow out. When that service is interrupted, and it’s not just a minor problem – you need it
fixed, and fast.  But how do you know whether to grab your tools (or a plunger) and head to the bathroom, or grab the phone and call a (BBB Accredited) plumber instead? When is the
plumbing problem too big for you and best left to the experts? When the situation
threatens your health and safety, your comfort and sense of security, and your home’s
value – you want to be sure it gets fixed correctly.

Safety and health

First and foremost, the health and safety of your family takes priority. Can you safely
and effectively resolve the problem, or does this fix need to be handled by a
professional?

Here are some examples of plumbing situations that could potentially cause safety
risks:

· Sewer backups or standing water – sewer blockages can be caused by something
flushed in the toilet, or by tree roots growing into your pipes. You’ll notice a terrible
smell, and sewage or dirty water may start coming up into your drains, causing a health
hazard.
· Burst pipes – cold weather often results in frozen pipes, and older pipes can rust.
Water rushing into your house can cause structural problems, like a collapsed ceiling or
damaged floors, that compromise your safety.
· Mold – if a leaky pipe has caused mold to grow, you could have a health issue.
Get a plumber to fix the pipe and a mold remediation company to help you get rid of the
unhealthy mold.

Comfort and security

A plumbing issue can also impact you and your family’s comfort and sense of security. If
a plunger won’t fix the problem, maybe it’s time to call an expert.

· Overflowing toilets – if you’ve tried plunging and the water won’t stop flowing, shut
off the valve at the bottom where the water comes in and give the plumber a call.
Nobody wants to be without a bathroom when nature calls.

· Clogged drains – if you’ve tried to unclog your sink or tub but there is no water
getting through, you may have a blockage that requires a plumber’s assistance. Your
teenager isn’t going to like being told that she can’t take a shower, so it’s best to get that
fixed quickly.

· Water heater failure – lack of hot water can impact more than just a hot shower.
You could end up with damaged floors if your tank leaks. A lack of heated water could
also lead to burst pipes in a cold climate. If your heater uses natural gas, you may even
have a safety issue (leave the home and call the police if you smell a rotten egg smell).

· Sump pump problems – if you live in a low-lying area and have a sump pump, you
could have serious water damage if the pump fails. If you notice loud noises or odd
behavior, call in a pro.

· No water/water pressure – If you don’t have any water or your water pressure is
very low, but you don’t know why, tearing down your own walls or digging up your yard
to find the problem yourself probably isn’t the best solution. Call in an expert plumber to
diagnose your problem.

Home value

Other plumbing issues may impact the value of your home when it comes time to sell or
relocate. Consider hiring a plumber if you have these issues and can’t fix them on your
own:

· Outdated pipes and plumbing fixtures
· A septic system that needs to be maintained or pumped
· A leak that has caused water damage or mold
· An outside faucet that leaks water into your foundation
· Upgrading to a new appliance (like a dishwasher or washer) and it isn’t as simple
as you thought.  Although it may seem tempting and less expensive to try to resolve plumbing issues yourself, realize that sometimes it ends up being more costly if your DIY project doesn’t work or isn’t up to code. Hiring a licensed, insured plumber will give you peace of mind that your job is done right.

BBB Accredited plumbers adhere to BBB’s Accreditation Standards and BBB checks to
ensure proper licensure. In addition, by going to BBB.org to find a plumber near you,
you can check reviews and read how the business resolved any complaints. Remember
to look for the BBB Seal- It’s the Sign of a Better Business.

Until next time!

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A Podcast by BBB of the Tri-Counties

A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast.

Welcome to this week’s edition of Your Moment of Trust! Recently, BBB Scam Tracker
has received multiple reports of an online shopping scam on TikTok. It’s a sneaky one! It
starts with a disgruntled employee supposedly seeking revenge and ends with victims
ordering hundreds of dollars in phony merchandise.

How the scam works

You come across a TikTok video featuring someone claiming they were recently fired at
a high-end jewelry store. The termination was completely undeserved, and they are
angry. To take their revenge, they are sharing their top-secret employee discount code
with anyone who wants it. This code gives you up to 100 percent off the company’s
merchandise. That’s right, they claim you can get expensive jewelry for free! As long as
you’re willing to pay shipping, that is.

You may notice some red flags when you checkout using the ex-employee discount
code. One consumer reported: “As you add more things from the website to your cart,
the shipping cost increases disproportionately… However, this still seems like a ‘deal’
because you are getting a 100% discount on (faux) jewelry that costs $100-200.”
However, that’s not the only warning sign. The consumer added, “There is no
cancellation mechanism on their website/order confirmation email, no social media, no
address, and no phone number. You can only contact them via an email address.”

If you fall for this scam, you won’t receive the high-quality jewelry you thought you
ordered. You may get cheaply made knockoffs – or nothing at all. Also, you’ll be out any
money you spent on “shipping” too.

The current version of this scam involves a jewelry store, but watch out for other
variations as scammers change their schemes to avoid detection. This con would work
with high-cost items like electronics or designer handbags.

How to avoid online shopping scams

● Don’t fall for deals that are too good to be true. Scammers love to draw people in
with this bait. If a deal seems extraordinarily good, stay skeptical. Research the
company thoroughly before you buy.
● Only shop with reputable companies. It’s always best to shop with companies
you already know and trust. That said, if you come across an appealing item from
an unfamiliar business, it’s especially important to do research. Look up the
company’s website, physical address, and contact information. Read reviews
from customers on third-party websites and review comments left on their social
media pages, too. You can even search the company name and the word “scam”
just to be safe.
● Always make payments with your credit card. When shopping online, use your
credit card to pay. Controlling fraudulent charges (and possibly getting your
money back) will be much easier with this payment method.

Until next time!

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A Podcast by BBB of the Tri-Counties

A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast.

Welcome to this week’s edition of Your Moment of Trust! Healthcare scams are as
varied as just about any con out there. The fraudster often poses as a government
authority to persuade you to provide personal information related to your Medicare or
Medicaid account for identity theft. In other cases, the con artist is after your health
insurance, Medicaid, or Medicare information to submit fraudulent medical charges.

How the scam works:

The scam typically starts with an email, text message, or phone call that appears to be
from a government agency. Con artists use a variety of stories. In one common version,
the “agent” tells you that he or she needs to update account information to send a new
medical card. In another version, the scammer asks for your account number in
exchange for free equipment or services. A third version involves a threatening robocall
purporting to be from HealthCare.gov or the Health Insurance Marketplace. You’re told
you must buy health insurance or face a fine. Sure enough, you’re soon asked to
provide personal information. A more recent version has reported Medicare recipients
receiving notices that new Medicare cards with microchips will be sent out and further
verification is required.

Tips to avoid this scam:

● Don’t trust a name or number. Con artists use official-sounding names or mask
their area codes by spoofing to make you trust them. Don’t fall for it.
● Hang up and go to official websites. You can enroll or re-enroll in Medicare at
Medicare.gov or a marketplace health plan at Healthcare.gov.
● Never share personally identifiable information with someone who has contacted
you unsolicited, whether over the phone, by email, or on social media. This
includes banking and credit card information, your birthdate, Social Security or
Social Insurance number, and, of course, your health insurance number.
● Guard your government-issued numbers. Never offer your Medicare ID number,
Social Security number, health plan info, or banking information to anyone you
don’t know.
● Know the signs. Medicare will never contact you via email, text message, or
phone, asking you to verify personal information.

Until next time!

Check out this episode!

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A Podcast by BBB of the Tri-Counties

A BIG thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast.

Welcome to this week’s edition of Your Moment of Trust!

You used to have to go to the stadium to root on your local high school athletic team. However, the COVID-19 pandemic changed that. With schools forced to restrict entry to events, they turned to online streaming of games so that people could watch from the comfort of their living rooms. While many attendance restrictions have been lifted, schools are still streaming games. Unfortunately, the scammers have followed. The scammers aim to capture personal information, including credit card and Social Security numbers, as fans log in to watch their team play. How the scam works You want to watch the local high school’s football game, or your niece’s travel softball team is playing in a tournament out of state. You search on social media to find a link where the game might be streamed, and sure enough, a fan has put in a link where you can watch for free! It’s almost time for the game to start, so you eagerly click the link. The next screen asks you to sign up for the streaming service, so you enter your name and email… and then you get asked for a credit card number and potentially more sensitive information. Are you seeing red flags yet? These scammers infiltrate social media with links to fake streams. The posts often will tag the schools involved to make the post appear legitimate. The scammers hope the would-be viewer inputs their information and pays to watch the event. The consumer doesn’t get to watch the game because the scammer has not set up a stream. Instead, whatever data they entered may be compromised. As a new school year begins, Better Business Bureau® (BBB®) reminds consumers to do their research when looking to watch a high school sporting event online. “Fans need to remain diligent in where and how they find the stream of a high school contest,” Matt Troha, an Assistant Executive Director with the Illinois High School Association, told BBB. Troha said fake streaming links posted to social media lure unsuspecting fans. “On Twitter especially, take notice of account names and photos, which often seem random, and look at their follower and following numbers,” Troha said. “Low follower counts indicate the account likely was just started. Look at the content of their posts as most are nothing but tweets to stream games.” Last year, state associations that oversee high school athletics in New Mexico, Indiana, and North Carolina issued warnings about the fake streams. “If you want to watch a specific school’s game online, check with the school to see if it has streaming options available,” said Michelle L. Corey, president and CEO of the BBB office in St. Louis. “While many schools do offer live streaming now, there are others who do not.”

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This Podcast is from BBB of the Tri-Counties.

A BIG Thank you to Ayers Automotive Repairs in Santa Barbara for supporting this podcast!

Welcome to this week’s edition of Your Moment of Trust! Like many of us, older adults
are often targeted by con artists. Many victims don’t ask for help until it is too late! Help
your friends, family, clients, or patients avoid fraud by knowing the signs of current or
impending fraud.

Warning signs that fraud may occur:

● Frequent junk mail and spam calls. Incoming junk mail (illegitimate sweepstakes
offers, etc.) or receiving frequent calls from people offering valuable rewards or
asking for charitable donations are signs that fraud could easily occur or may
have already occurred.
● Unfamiliar payments are being made. Checks written or payments made to
unfamiliar or out-of-state companies should be a red flag.
● Acting secretively about phone calls or messages. When someone hides or acts
secretively about phone calls and messages, it could signify that they have
engaged a scammer.
● Sudden problems paying bills or buying food and other necessities. A sudden
lack of funds could mean an individual’s money is being drained in some form of
scam activity. The cause should be investigated to rule out fraud.
Tips for helping your loved one avoid fraud
● Become familiar with common scams targeting older adults. Knowing the most
common tactics used to target older adults can help you more quickly identify
when scams occur.
● Emphasize the criminal nature of telemarketing and email fraud. Help your loved
one learn how to identify it and help them understand that these tactics are
illegal. In participating, it is possible they could be pulled into criminal activity
unknowingly.
● Encourage the person to ignore phone calls and messages that appear
suspicious. Don’t reply to or click links within emails or text messages they are
unfamiliar with.
● Have a calm discussion about securing accounts and monitoring finances.
Helping older adults monitor their finances can be a great way to prevent scam
activity and identify if it has occurred.
● Help the person change their phone number. If constant calls continue, changing
the person’s phone number may be worth changing. Registering the number
with the Do Not Call list is a great first step, although scammers won’t necessarily
follow the Do-Not-Call list laws. If unsafe calls continue, it may be best to change
the phone number.

Recognizing abuse against older adults:

The most common types of abuse are physical, emotional, financial, and verbal. The
National Council on Aging says up to five million older Americans are abused yearly,
and the annual loss by victims of financial abuse is estimated to be at least $36.5 billion.
In Canada, over 10 percent of older adults are victims of crime, and some experience
violent crimes or physical abuse.

BBB recommends that family, friends, and caregivers learn the signs of abuse or
neglect in older adults. Business owners dealing in the industry can share these signs
with employees.

Until next time!

Check out this episode!