social service.ppt


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social service.ppt

  1. 1. Helping Consumers Who Are Targeted By Telemarketing Fraud
  2. 2. Telemarketing is a serious crime <ul><li>Fraudulent telemarketers are hardened criminals </li></ul><ul><li>They rob with phones instead of guns </li></ul><ul><li>Help people avoid becoming victims by helping them recognize the danger signs of fraud </li></ul>
  3. 3. It can happen to anyone <ul><li>Telemarketing fraud victims include police, lawyers, doctors, teachers, accountants, homemakers – there is a scam for everyone </li></ul><ul><li>Con artists use same tactics as legitimate marketers – being friendly, getting people excited, creating a sense of urgency </li></ul>
  4. 4. Danger signs of fraud <ul><li>Promises easy ways to make money, borrow money, or win money </li></ul><ul><li>Demands immediate action </li></ul><ul><li>Refuses to send written information </li></ul><ul><li>Uses scare tactics </li></ul><ul><li>Wants money sent by wire or courier </li></ul>
  5. 5. Telemarketing Fraud Trends <ul><li>More than ¼ of consumers who report telemarketing fraud to the National Consumers League’s National Fraud Information Center are 60 or older – higher in certain fraud categories </li></ul><ul><li>More crooks targeting U.S. consumers from Canada or other countries – makes it harder to pursue them </li></ul><ul><li>Bank debits now most common method of payment </li></ul>
  6. 6. How payment is made matters <ul><li>If victims pay by check or money order, money is gone before they realize there is a problem </li></ul><ul><li>Credit cards safest way to pay because consumers can dispute charges if the promises weren’t kept </li></ul><ul><li>Dispute rights not same when consumers pay by debit card or give bank account number </li></ul><ul><li>Money is gone by time fraud discovered! </li></ul>
  7. 7. Prize and Sweepstakes <ul><li>The pitch: You won a fabulous prize, but you must pay or buy something to get it </li></ul><ul><li>The scam: You pay and don’t get anything, or you get a cheap trinket </li></ul>
  8. 8. Work At Home <ul><li>The pitch: We’ll set you up to earn money working at home </li></ul><ul><li>The scam: There is no real product or service, or there aren’t any customers for the work. done for them from people’s homes </li></ul>
  9. 9. Credit Card Offers <ul><li>The pitch: We’ll get you a credit card, guaranteed, even if you have bad credit, as long as you pay a fee upfront </li></ul><ul><li>The scam: You get nothing or a card that you can only use to buy from the company’s own overpriced catalogues </li></ul>
  10. 10. Advance Fee Loans <ul><li>The pitch: We’ll get you a loan, guaranteed, even if your credit is bad </li></ul><ul><li>The scam: You pay but never get a loan – you just lose your money </li></ul>
  11. 11. Magazine Sales <ul><li>The pitch: Subscribe for just pennies a day, or renew your current subscription </li></ul><ul><li>The scam: The total cost is more than you realize, or the has no relation to the publisher and simply pockets your money </li></ul>
  12. 12. Telephone Slamming <ul><li>The pitch: Fill out this form to win a prize, or sign up for a great new calling plan from your phone company </li></ul><ul><li>The scam: You actually agreed to switch your phone service to another company without realizing it </li></ul>
  13. 13. Credit Card Loss Protection <ul><li>The pitch: You need this protection because you could lose lots of money if someone steals your credit card and uses it </li></ul><ul><li>The scam: You are only liable for $50 and most credit card issuers will remove fraudulent charges completely if you notify them promptly </li></ul>
  14. 14. Buyers Clubs <ul><li>The pitch: Get a free trial membership in a discount buying club for 30 days </li></ul><ul><li>The scam: You don’t realize that you must contact the company to cancel before the trial period is up to avoid charges </li></ul>
  15. 15. Nigerian Money Offers <ul><li>The pitch: Help me move a fortune from Africa and I’ll give you a big slice of it </li></ul><ul><li>The scam: You pay “transfer” and “legal” fees to move the money to your bank account, but no money is ever deposited – money is taken out of your account instead </li></ul>
  16. 16. Office Supply Sales <ul><li>The pitch: Get a great deal from your supplier before prices go up </li></ul><ul><li>The scam: The caller is an imposter, and if you get any supplies at all, they are inferior </li></ul>
  17. 17. Charities <ul><li>The pitch: Help the disadvantaged, support your local police, aid disaster victims </li></ul><ul><li>The scam: The charity doesn’t exist, or most of the money goes to a professional fundraiser, not to the charity </li></ul>
  18. 18. Investments <ul><li>The pitch: Triple your money with absolutely no risk if you invest right away </li></ul><ul><li>The scam: There may be no investment at all, or the caller may misrepresent the profits and risks </li></ul>
  19. 19. Travel and Vacations <ul><li>The pitch: Get a free trip or a great vacation bargain </li></ul><ul><li>The scam: You have to sit through a high-pressure sales talk for a timeshare, or hidden costs make the trip much more expensive, or there is no trip at all! </li></ul>
  20. 20. Telephone Pay-Per-Call Services <ul><li>The pitch: Call a 900 or 800 number for a free psychic reading </li></ul><ul><li>The scam: You get charged from the beginning of the call, or the free time isn’t long enough to get promised services </li></ul>
  21. 21. Consumers can protect themselves <ul><li>Resist pressure to act immediately </li></ul><ul><li>Ask for written information </li></ul><ul><li>Check unknown companies with state or local consumer protection agency and the Better Business Bureau </li></ul><ul><li>Pay the safest way – with a credit card – because they can dispute the charges if promises aren’t kept </li></ul>
  22. 22. Consumers should protect their sensitive information <ul><li>Don’t give credit card or bank account numbers unless they are buying something </li></ul><ul><li>Don’t give social security numbers to telemarketers </li></ul><ul><li>Personal information can be used to make charges/debits from their accounts or open new accounts in their names </li></ul>
  23. 23. Seniors are specifically targeted <ul><li>Fraudulent telemarketers know seniors are generally too polite to hang up </li></ul><ul><li>Not all victims are isolated or lonely - many are active people who lured by great deals </li></ul><ul><li>Con artists take advantage of fact that we all want to believe it’s our lucky day! </li></ul>
  24. 24. Seniors particularly vulnerable to certain scams <ul><li>According to the National Consumer’s League’s National Fraud Information Center, people age 60 and older are specifically targeted by </li></ul><ul><li>phony prizes and sweepstakes </li></ul><ul><li>credit card loss protection plans and </li></ul><ul><li>magazine sales scams </li></ul>
  25. 25. Signs that a senior may be in danger <ul><li>Receives lots of mail and phone calls for contests, sweepstakes, and prizes </li></ul><ul><li>Makes repeated and/or large payments to unfamiliar companies </li></ul><ul><li>Has difficulty paying normal bills </li></ul><ul><li>Has lots of cheap items that were received as “prizes” or bought to get prizes </li></ul><ul><li>Receives more magazines than anyone could possibly read </li></ul>
  26. 26. Fraud victims need help <ul><li>Don’t criticize or embarrass victims </li></ul><ul><li>Reassure them that it could happen to anyone </li></ul><ul><li>Encourage them to report the fraud </li></ul><ul><li>Provide counseling so they won’t become repeat victims </li></ul>
  27. 27. Consumers can avoid getting on “sucker lists” <ul><li>Don’t fill out contest entry forms from unknown companies – con artists often use them to identify potential victims </li></ul><ul><li>tell callers to put them on their “Do Not Call” list </li></ul><ul><li>ask companies they do business with not to share their personal information with others </li></ul>
  28. 28. Steps for fraud victims <ul><li>Beware of “recovery services” – crooks that offer to get their money back, for a fee </li></ul><ul><li>Use an answering machine or get Caller ID to screen calls </li></ul><ul><li>Consider changing their telephone number if crooks won’t stop calling </li></ul><ul><li>Change bank account number if crooks keep debiting money </li></ul><ul><li>Watch out for fraudulent offers that come by mail </li></ul>
  29. 29. Consumers can help stop telemarketing fraud <ul><li>Report it quickly, even if they haven’t lost any money </li></ul><ul><li>Call the National Fraud Information Center toll-free, (800) 876-7060, or go to </li></ul><ul><li>Information helps shut down fraudulent operators and protect others </li></ul>