company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
The document discusses the lottery scam, also known as the Jamaican lottery scam or 876 area code scam. It begins with victims receiving unsolicited notifications that they have won a large prize or lottery. Scammers then demand money for fees like taxes or shipping before the victim can receive their winnings. The scammers prefer payment through money transfer services like Western Union or Green Dot cards. Victims never receive any winnings and are often targeted by additional scams after being initially victimized. The lottery scam is estimated to generate $300 million annually and is linked to hundreds of murders in Jamaica where many of the scams originate from.
This presentation discusses consumer fraud and scams that often target seniors. It defines consumer fraud and notes that seniors account for a large percentage of fraud victims despite being a smaller portion of the population. Various common scams are described such as sweepstakes and lottery scams, charity scams, identity theft, caretaker crimes, and health and funeral fraud. Warning signs of fraud are provided and steps seniors can take to protect themselves are outlined, including verifying identities, resisting pressure to act quickly, and reporting fraud.
Seniors aged 60 and older account for about 15% of the US population but comprise 30% of fraud victims. Seniors are targeted because they can be more trusting and vulnerable, with assets and a reluctance to report scams. Common scams involve phishing emails, fake lotteries and sweepstakes, fraudulent home and investment schemes, and identity theft. Seniors are advised to be wary of unsolicited offers and requests for personal information, and to check with authorities before donating or investing.
Financial exploitation of vulnerable adults, particularly elders, is a widespread problem. It can take many forms, such as misappropriating assets, charging excessive fees, fraud, or scams. Perpetrators are often acquaintances or relatives of the victim and exploit their trust. Reported cases represent only a fraction of the actual number, as many cases likely go unreported. It is important for elders to protect their personal information and be wary of giving money or property to anyone without proper legal protections.
This document provides information and resources for preventing senior scams. It discusses common scams like phishing, sweepstakes scams, and work-at-home scams. It offers tips for protecting personal information and checking investments. If someone becomes a victim of fraud, the document recommends calling the police, consumer protection agencies, and organizations that can help resolve identity theft and recover losses.
Identity theft involves someone using personal information like a name, Social Security number, or bank account information without permission to commit fraud or theft. Common types of identity theft include credit card fraud, phone or utility fraud, bank fraud, and employment-related fraud. Victims often don't discover the theft for over a year. To reduce risk, people should shred financial documents before throwing them out, be cautious about sharing personal information, and monitor bank statements and credit reports for suspicious activity. If identity theft is suspected, victims should file a police report and contact credit bureaus and the Federal Trade Commission for assistance.
The document discusses statistics on identity theft in the US, including that there were over 10 million victims last year who spent an average of $1,620 and 600 hours fixing problems, and outlines various steps people can take to help protect themselves, such as shredding documents, being wary of shoulder surfers, and monitoring bank statements for unauthorized activity.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
The document discusses the lottery scam, also known as the Jamaican lottery scam or 876 area code scam. It begins with victims receiving unsolicited notifications that they have won a large prize or lottery. Scammers then demand money for fees like taxes or shipping before the victim can receive their winnings. The scammers prefer payment through money transfer services like Western Union or Green Dot cards. Victims never receive any winnings and are often targeted by additional scams after being initially victimized. The lottery scam is estimated to generate $300 million annually and is linked to hundreds of murders in Jamaica where many of the scams originate from.
This presentation discusses consumer fraud and scams that often target seniors. It defines consumer fraud and notes that seniors account for a large percentage of fraud victims despite being a smaller portion of the population. Various common scams are described such as sweepstakes and lottery scams, charity scams, identity theft, caretaker crimes, and health and funeral fraud. Warning signs of fraud are provided and steps seniors can take to protect themselves are outlined, including verifying identities, resisting pressure to act quickly, and reporting fraud.
Seniors aged 60 and older account for about 15% of the US population but comprise 30% of fraud victims. Seniors are targeted because they can be more trusting and vulnerable, with assets and a reluctance to report scams. Common scams involve phishing emails, fake lotteries and sweepstakes, fraudulent home and investment schemes, and identity theft. Seniors are advised to be wary of unsolicited offers and requests for personal information, and to check with authorities before donating or investing.
Financial exploitation of vulnerable adults, particularly elders, is a widespread problem. It can take many forms, such as misappropriating assets, charging excessive fees, fraud, or scams. Perpetrators are often acquaintances or relatives of the victim and exploit their trust. Reported cases represent only a fraction of the actual number, as many cases likely go unreported. It is important for elders to protect their personal information and be wary of giving money or property to anyone without proper legal protections.
This document provides information and resources for preventing senior scams. It discusses common scams like phishing, sweepstakes scams, and work-at-home scams. It offers tips for protecting personal information and checking investments. If someone becomes a victim of fraud, the document recommends calling the police, consumer protection agencies, and organizations that can help resolve identity theft and recover losses.
Identity theft involves someone using personal information like a name, Social Security number, or bank account information without permission to commit fraud or theft. Common types of identity theft include credit card fraud, phone or utility fraud, bank fraud, and employment-related fraud. Victims often don't discover the theft for over a year. To reduce risk, people should shred financial documents before throwing them out, be cautious about sharing personal information, and monitor bank statements and credit reports for suspicious activity. If identity theft is suspected, victims should file a police report and contact credit bureaus and the Federal Trade Commission for assistance.
The document discusses statistics on identity theft in the US, including that there were over 10 million victims last year who spent an average of $1,620 and 600 hours fixing problems, and outlines various steps people can take to help protect themselves, such as shredding documents, being wary of shoulder surfers, and monitoring bank statements for unauthorized activity.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This document summarizes various internet scams, frauds, hoaxes and phenomena. It discusses common scams like phishing, lottery scams and dating scams. It also outlines top hoaxes such as the dioxins in plastic hoax and bonsai kittens hoax. Finally, it briefly describes internet phenomena like rickrolling and lolcats. The document provides advice on how to identify and avoid scams, hoaxes and malicious emails or messages online.
The document provides information about various types of scams and fraud, including local scams, investment scams, internet scams, telemarketing fraud, fraud targeting senior citizens, and advance fee schemes. It describes common tactics used in phone scams, Nigerian letter fraud, impersonation/identity fraud, and advance fee schemes. The document encourages vigilance and provides tips to avoid becoming a victim, such as being wary of pressure sales tactics, never sending money to unknown persons or charities without research, and reconciling bank accounts monthly.
This document provides information and advice about identity theft protection. It discusses how identity thieves use personal information like Social Security numbers and bank account details to commit fraud. Victims often spend hundreds of hours and money repairing the damage caused by identity theft. The document recommends steps people can take to prevent identity theft such as shredding documents with financial information, monitoring credit reports, using strong and unique passwords, and being wary of unsolicited requests for personal details. Resources for victims of identity theft are also listed.
The document discusses common fraud schemes and how to avoid becoming a victim. It covers telemarketing fraud, advanced fee schemes like Nigerian letter scams and lottery scams, work from home scams, and romance scams. The key advice is to be skeptical of unsolicited offers, never send money or personal information to strangers, research companies independently, and talk to a trusted advisor before engaging in any financial activities with unknown parties.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
A Real Person will travel, on your behalf, to validate an item, property or person's existence by completing a personalized report including current photos, videos and more. Includes preventative measures that will assist you in being informed prior to entering into transactions over
the Internet.
Theresa Harden is a real estate agent with Exit Hawaii Dream Realty. The document provides information on monitoring your credit report and taking steps to protect against identity theft. It advises getting a copy of your credit report yearly from the three major credit bureaus to check for accuracy and suspicious activity. It also outlines steps to take if identity theft is suspected, such as placing fraud alerts and filing police reports. Tips are given to minimize identity theft risks such as using strong passwords, securing personal information, and shredding documents with private details.
Email fraud takes many forms, including lottery and sweepstakes scams, work-from-home schemes, health and diet scams, credit repair scams, and vacation prize promotions. Phishing scams impersonate legitimate businesses and organizations to steal personal or financial information. Recipients are encouraged to click links and fill out forms, but should avoid providing any sensitive data or clicking unknown links in emails. Government agencies are also commonly impersonated in phishing attempts. Recipients should be wary of any emails promising prizes or financial gains that seem too good to be true.
This document discusses fraud targeting seniors and identifies common scams. It notes that identity theft is the fastest growing crime in North America, affecting 1 in 6 Canadians. Seniors are particularly vulnerable targets for fraudsters seeking savings and personal information. Common scams outlined include grandparent scams, lottery scams, and fraudulent impersonations of bank inspectors or CRA officials seeking sensitive details. The document provides tips for protecting personal information and reporting fraud.
1) Identity theft is on the rise as criminals steal personal information like SINs, credit cards, and health records to impersonate victims.
2) To reduce risk, monitor credit reports annually and statements regularly for fraudulent activity. Dispute any incorrect information with credit bureaus.
3) Safeguard personal information by shredding documents, creating strong passwords, limiting what you carry, and being wary of phone/email scams. Act quickly if identity theft is suspected.
Louise hunt.com-faceless fraudsters 5 helpful tips (1)Louise Hunt
We don’t know these fraudsters, these faceless people with no name or shame. What we do know is: they want our money. £7 in every £10 of attempted fraud is being stopped. Fraud is big business and if the figures tell us one thing – We need to be more vigilant than ever.
Identity theft is a growing problem globally. The document discusses identity theft and fraud, how it is committed, how to protect oneself, and what to do if one becomes a victim. Identity theft occurs when someone accesses enough personal information, like name, address, birthdate, to commit fraud. Financial institutions assume most liability for spending-related fraud. The document provides tips on protecting personal information and detecting identity theft, such as shredding documents, checking credit reports, and reporting suspicious activity promptly.
This document provides information about identity theft, including stories from three victims and tips to help prevent identity theft. It discusses how identity thieves obtain personal information from dumpster diving, phishing emails, unsecured mailboxes, public Wi-Fi networks, and more. The stories describe cases of a thief opening multiple credit cards in someone's name, filing a fraudulent tax return, and making purchases with a stolen debit card number. Experts advise freezing credit, reporting incidents to police and the FTC, changing passwords, and shredding documents with personal information.
This document provides information to Niagara College students about common scams and fraud, how to identify them, and how to report scams. It describes various types of scams like telemarketing scams, online scams, housing scams, job scams, dating scams, and immigration fraud. It provides tips for identifying scams and warns students not to provide personal information or send money in response to suspicious requests. Students are advised to contact their Student Advisor or local authorities if they feel they have been scammed or want to report a scam.
Your Social Insurance Number (SIN) should be kept confidential to prevent identity theft and fraud. Providing your SIN when it is not legally required can put you at risk. If you suspect someone is using your SIN fraudulently, you should immediately file a police report, contact credit bureaus, review financial statements for suspicious activity, and visit a Service Canada center to report the issue and potentially receive a new SIN. Protecting your SIN is important to safeguard your identity and finances.
According to a study, seniors lose approximately $2.6 billion each year to financial fraud. People over 50 are often targeted because scammers know they are trusting of others in the marketplace and rely heavily on telephone communication. Some signs an elderly parent may be targeted include receiving 20 or more unknown calls per day or junk mail from scammers. Common phone scams include impersonators claiming to be from credit card or government agencies seeking personal information, or pretending to be a grandchild in trouble. Seniors should be wary of any requests for private details and verify suspicious calls by contacting agencies directly.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
17 U.S. Code § 107 - Limitations on exclusive rights: Fair use
Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
This document summarizes various internet scams, frauds, hoaxes and phenomena. It discusses common scams like phishing, lottery scams and dating scams. It also outlines top hoaxes such as the dioxins in plastic hoax and bonsai kittens hoax. Finally, it briefly describes internet phenomena like rickrolling and lolcats. The document provides advice on how to identify and avoid scams, hoaxes and malicious emails or messages online.
The document provides information about various types of scams and fraud, including local scams, investment scams, internet scams, telemarketing fraud, fraud targeting senior citizens, and advance fee schemes. It describes common tactics used in phone scams, Nigerian letter fraud, impersonation/identity fraud, and advance fee schemes. The document encourages vigilance and provides tips to avoid becoming a victim, such as being wary of pressure sales tactics, never sending money to unknown persons or charities without research, and reconciling bank accounts monthly.
This document provides information and advice about identity theft protection. It discusses how identity thieves use personal information like Social Security numbers and bank account details to commit fraud. Victims often spend hundreds of hours and money repairing the damage caused by identity theft. The document recommends steps people can take to prevent identity theft such as shredding documents with financial information, monitoring credit reports, using strong and unique passwords, and being wary of unsolicited requests for personal details. Resources for victims of identity theft are also listed.
The document discusses common fraud schemes and how to avoid becoming a victim. It covers telemarketing fraud, advanced fee schemes like Nigerian letter scams and lottery scams, work from home scams, and romance scams. The key advice is to be skeptical of unsolicited offers, never send money or personal information to strangers, research companies independently, and talk to a trusted advisor before engaging in any financial activities with unknown parties.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
A Real Person will travel, on your behalf, to validate an item, property or person's existence by completing a personalized report including current photos, videos and more. Includes preventative measures that will assist you in being informed prior to entering into transactions over
the Internet.
Theresa Harden is a real estate agent with Exit Hawaii Dream Realty. The document provides information on monitoring your credit report and taking steps to protect against identity theft. It advises getting a copy of your credit report yearly from the three major credit bureaus to check for accuracy and suspicious activity. It also outlines steps to take if identity theft is suspected, such as placing fraud alerts and filing police reports. Tips are given to minimize identity theft risks such as using strong passwords, securing personal information, and shredding documents with private details.
Email fraud takes many forms, including lottery and sweepstakes scams, work-from-home schemes, health and diet scams, credit repair scams, and vacation prize promotions. Phishing scams impersonate legitimate businesses and organizations to steal personal or financial information. Recipients are encouraged to click links and fill out forms, but should avoid providing any sensitive data or clicking unknown links in emails. Government agencies are also commonly impersonated in phishing attempts. Recipients should be wary of any emails promising prizes or financial gains that seem too good to be true.
This document discusses fraud targeting seniors and identifies common scams. It notes that identity theft is the fastest growing crime in North America, affecting 1 in 6 Canadians. Seniors are particularly vulnerable targets for fraudsters seeking savings and personal information. Common scams outlined include grandparent scams, lottery scams, and fraudulent impersonations of bank inspectors or CRA officials seeking sensitive details. The document provides tips for protecting personal information and reporting fraud.
1) Identity theft is on the rise as criminals steal personal information like SINs, credit cards, and health records to impersonate victims.
2) To reduce risk, monitor credit reports annually and statements regularly for fraudulent activity. Dispute any incorrect information with credit bureaus.
3) Safeguard personal information by shredding documents, creating strong passwords, limiting what you carry, and being wary of phone/email scams. Act quickly if identity theft is suspected.
Louise hunt.com-faceless fraudsters 5 helpful tips (1)Louise Hunt
We don’t know these fraudsters, these faceless people with no name or shame. What we do know is: they want our money. £7 in every £10 of attempted fraud is being stopped. Fraud is big business and if the figures tell us one thing – We need to be more vigilant than ever.
Identity theft is a growing problem globally. The document discusses identity theft and fraud, how it is committed, how to protect oneself, and what to do if one becomes a victim. Identity theft occurs when someone accesses enough personal information, like name, address, birthdate, to commit fraud. Financial institutions assume most liability for spending-related fraud. The document provides tips on protecting personal information and detecting identity theft, such as shredding documents, checking credit reports, and reporting suspicious activity promptly.
This document provides information about identity theft, including stories from three victims and tips to help prevent identity theft. It discusses how identity thieves obtain personal information from dumpster diving, phishing emails, unsecured mailboxes, public Wi-Fi networks, and more. The stories describe cases of a thief opening multiple credit cards in someone's name, filing a fraudulent tax return, and making purchases with a stolen debit card number. Experts advise freezing credit, reporting incidents to police and the FTC, changing passwords, and shredding documents with personal information.
This document provides information to Niagara College students about common scams and fraud, how to identify them, and how to report scams. It describes various types of scams like telemarketing scams, online scams, housing scams, job scams, dating scams, and immigration fraud. It provides tips for identifying scams and warns students not to provide personal information or send money in response to suspicious requests. Students are advised to contact their Student Advisor or local authorities if they feel they have been scammed or want to report a scam.
Your Social Insurance Number (SIN) should be kept confidential to prevent identity theft and fraud. Providing your SIN when it is not legally required can put you at risk. If you suspect someone is using your SIN fraudulently, you should immediately file a police report, contact credit bureaus, review financial statements for suspicious activity, and visit a Service Canada center to report the issue and potentially receive a new SIN. Protecting your SIN is important to safeguard your identity and finances.
According to a study, seniors lose approximately $2.6 billion each year to financial fraud. People over 50 are often targeted because scammers know they are trusting of others in the marketplace and rely heavily on telephone communication. Some signs an elderly parent may be targeted include receiving 20 or more unknown calls per day or junk mail from scammers. Common phone scams include impersonators claiming to be from credit card or government agencies seeking personal information, or pretending to be a grandchild in trouble. Seniors should be wary of any requests for private details and verify suspicious calls by contacting agencies directly.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
17 U.S. Code § 107 - Limitations on exclusive rights: Fair use
Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
17 U.S. Code § 107 - Limitations on exclusive rights: Fair use Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright.
This presentation will look at the different kinds of frauds and scams prevalent in our society today. We will show you how to identify them. We will give you some advice on how to avoid them. And we will show you what to do if you are the victim of one of these crimes.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Identity theft involves someone using personal information like Social Security numbers and bank account details to commit fraud. Common types of identity theft are credit card fraud, phone or utility fraud, and bank fraud. If you become a victim, you should file a police report, contact the credit bureaus to place a fraud alert on your accounts, and contact any creditors where fraudulent activity occurred. To reduce risk, be careful with personal information and shred documents with private details before throwing them away.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
The document discusses the issue of identity theft, providing statistics on its prevalence, how identity thieves operate, and tips to minimize risk. It notes that 1 in 5 families have been victims of identity theft, with millions of victims annually and billions lost each year. Common ways identity thieves steal information include retrieving discarded documents, stealing mail, and shouldering surfing. The document advises carrying only necessary identification, shredding documents, being wary of phone calls requesting information, and monitoring accounts regularly. It also outlines steps to take if one becomes a victim of identity theft.
Identity Theft 101: How It Happens & What You Can Do To Prevent ItIdentityForce
Your information is everywhere and criminals, such as hackers, who’ve stolen as many as 1.2 billion passwords in one crime spree, know how to get to it. Our new Identity Theft 101 infographic discusses the different types of identity theft, explains exactly how identity theft occurs, and what you can do to prevent it. Don’t leave yourself unprotected!
Scamming of the elderly is a widespread problem that can have serious physical, emotional, and financial consequences. Financial scams targeting seniors have become increasingly common due to the perception that they have significant assets and scams often go unreported. Common types of scams include medical/health insurance fraud, counterfeit prescription drugs, and telemarketing/phone scams. Families need to educate their elderly loved ones on how to protect themselves from scams and what steps to take if they have been victimized, such as filing a police report, reviewing accounts for suspicious activity, and contacting agencies that provide assistance to seniors.
This document summarizes an identity theft and fraud presentation given by Daniel Chometa of Consolidated Credit Counseling Services of Canada. It discusses what identity theft is, how it happens, current threats like phishing and scams, and steps people can take to protect themselves, including protecting personal information, mail, accounts and devices. Victims are advised on steps to take if they become a victim of identity theft.
This document provides information on how to avoid identity theft. It discusses what identity theft is, common types of identity theft like financial and medical identity theft, important identity theft statistics, and how thieves steal personal information both online and offline. Some common online methods discussed are phishing scams, spyware, and keyloggers. Common offline methods include stealing mail, dumpster diving, and taking wallets and checkbooks. The document also provides tips on protecting yourself and what to do if you become a victim of identity theft.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Protecting your privacy, identity and financial information online is critically important in today’s Internet economy. Last year, 13.1 million Americans were victims of identity theft. I have no plans on joining this group, which is what inspired us to create our latest Zing blog guide – Identity 101.
Identity theft occurs when someone uses someone else's personal information like name, Social Security number, or credit card number without permission to commit fraud. The FTC estimates 9 million Americans have their identities stolen each year. Identity thieves may open credit cards and accounts or commit other crimes using the victim's identity. Identity theft has serious consequences like damage to credit and legal problems.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Identity theft happens whenever someone uses your personal identification to commit fraud or other types of crimes. They may use your name, credit card number, or your Social Security number (or other identifying information).
According to the Federal Trade Commission (FTC) in the United States, some 9 million Americans have their identities stolen every year. They also state that identity theft is likely to affect most people in some way. The thief may rent an apartment using someone else's name. He/She may open a line of credit or use your own line of credit for his/her buying needs. He/She may apply for a job using your identification.
here's a video that will help you: https://oke.io/BwCr4LGX
An identity thief may have accessed and used a victim's personal or financial information without permission. The guide outlines immediate steps the victim should take, such as placing a fraud alert on their credit report and ordering copies of their credit reports from the three major credit bureaus. It also provides guidance on next steps like reviewing credit reports for errors, disputing inaccuracies directly with the credit bureaus and affected businesses, and filing an identity theft report with the FTC and local law enforcement. Long-term steps include considering a credit freeze and extended fraud alert to further protect the victim's identity and credit standing. The guide offers worksheets, sample letters, and contact information to help victims methodically recover from identity theft.
The document summarizes cyber threat trends in 2018 according to a Symantec report. It saw a rise in formjacking attacks that steal payment card data, though cryptojacking activity declined along with cryptocurrency values. Ransomware infections decreased overall but rose for enterprises. Living off the land attacks using tools like PowerShell increased substantially. Targeted attacks grew more sophisticated with groups targeting operational systems and destructive malware.
The FBI is the lead federal agency for investigating malicious cyber activity by criminals, nation-state adversaries, and terrorists. To fulfill this mission, the FBI often develops resources to enhance operations and collaboration. One such resource is the FBI’s Internet Crime Complaint Center (IC3) which provides the public with a trustworthy and convenient mechanism for reporting information concerning suspected Internet-facilitated criminal activity. At the end of every year, the IC3 collates information collected into an annual report.
Credit is due to all original authors and no financial gain was made from the blog, Simply sharing an interesting story for educational purposes,
This guide aims to help journalists understand their rights at protests and avoid arrest when reporting on these events. It summarizes the legal landscape and provides strategies and tools to help journalists avoid incidents with police and navigate them successfully should they arise. Credit RCFP.Org
Credit is due to all original authors and no financial gain was made from the blog, Simply sharing an interesting story for educational purposes,
Verizon Publishes 2020 Data Breach Investigation Report (DBIR) With Insights From Thousands of Confirmed Breaches. Verizon's 2020 Data Breach Investigations Report (DBIR) is the most extensive yet, with 81 contributing organizations, and more than 32,000 incidents analyzed (of which 3,950 were confirmed breaches). Credit:Verizon
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
A Resource Guide to theU.S. Foreign Corrupt Practices Act
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
The FTC takes in reports from consumers about problems they experience in the marketplace. The reportsare stored in the Consumer Sentinel Network (Sentinel), a secure online database available only to lawenforcement. While the FTC does not intervene in individual consumer disputes, its law enforcementpartners – whether they are down the street, across the nation, or around the world – can use informationin the database to spot trends, identify questionable business practices and targets, and enforce the law.
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
Below is a list of consumer reporting companies updated for 2019.1 Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision making situations. The list below includes the three nationwide consumer reporting companies and several other reporting companies that focus on certain market areas and consumer segments. The list gives you tips so you can determine which of these companies may be important to you. It also makes it easier for you to take advantage of your legal rights to (1) obtain the information in your consumer reports, and (2) dispute suspected inaccuracies in your reports with companies as needed.
Advisory to Financial Institutions on Illicit Financial Schemes and Methods R...- Mark - Fullbright
Transnational criminal organizations (TCOs), foreign fentanyl suppliers, and Internet purchasers located in the United States engage in the trafficking of fentanyl, fentanyl analogues, and other synthetic opioids and the subsequent laundering of the proceeds from such illegal sales.
The mission of the IC3 is to provide the public with a reliable and convenient reporting mechanism to submit information to the FBI concerning suspected Internet-facilitated criminal activity, and to develop effective alliances with industry partners. Information is analyzed and disseminated for investigative and intelligence purposes, for law enforcement, and for public awareness.
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
This report is built upon analysis of 41,686 security incidents, of which 2,013 were confirmed data breaches. We will take a look at how results are changing (or not) over the years as well as digging into the overall threat landscape and the actors, actions, and assets that are present in breaches. Windows into the most common pairs of threat actions and affected assets also are provided.
The Federal Trade Commission (FTC or Commission) is an independent U.S. law enforcement agency charged with protecting consumers and enhancing competition across broad sectors of the economy. The FTC’s primary legal authority comes from Section 5 of the Federal Trade Commission Act, which prohibits unfair or deceptive practices in the marketplace. The FTC also has authority to enforce a variety of sector specific laws, including the Truth in Lending Act, the CAN-SPAM Act, the Children’s Online Privacy Protection Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Telemarketing and Consumer Fraud and Abuse Prevention Act. This broad authority allows the Commission
to address a wide array of practices affecting consumers, including those that emerge with the development of new technologies and business models.
Sentinel sorts consumer reports into 29 top categories. Appendices B1 – B3 describe the categories,providing details, and three year figures. To reflect marketplace changes, new categories or subcategories are created or deleted over time.The Consumer Sentinel Network Data Book excludes the National Do Not Call Registry. A separate report about these complaint statistics is available at: https://www.ftc.gov/reports/national-do-not-call-registry-data-book-fiscal-year-2018. The Sentinel Data Book also excludes reports about unsolicited commercial email.Consumers can report as much or as little detail as they wish when they file a report. For the Sentinel Data Book graphics, percentages are based on the total number of Sentinel fraud, identity theft, and other report types in 2018 in which consumers provided the information displayed on each chart.Reports to Sentinel sometimes indicate money was lost, and sometimes indicate no money was lost.Often, people make these reports after they experience something problematic in the marketplace,avoid losing any money, and wish to alert others. Except where otherwise stated, numbers are based on reports both from people who indicated a loss and people who did not.Calculations of dollar amounts lost are based on reports in which consumers indicated they lost between $1 and $999,999. Prior to 2017, reported “amount paid” included values of $0 to $999,999.States and Metropolitan Areas are ranked based on the number of reports per 100,000 population.State rankings are based on 2017 U.S. Census population estimates (Annual Estimates of the Resident Population: April 1, 2010 to July 1, 2017). Metropolitan Area rankings are based on 2016 U.S. Census population estimates (Annual Estimates of the Resident Population: April 1, 2010 to July 1, 2016).This Sentinel Data Book identifies Metropolitan Areas (Metropolitan and Micropolitan Statistical Areas)with a population of 100,000 or more except where otherwise noted. Metropolitan areas are defined by Office of Management and Budget Bulletin No. 15-01, “Revised Delineations of Metropolitan Statistical Areas, Micropolitan Statistical Areas, and Combined Statistical Areas, and Guidance on Uses of the Delineations of These Areas” (July 15, 2015). Numbers change over time. The Sentinel Data Book sorts consumer reports by year, based on the date of the consumer’s report. Some data contributors transfer their complaints to Sentinel after the end of the calendar year, and new data providers often contribute reports from prior years. As a result, the total number of reports for 2018 will likely change during the next few months, and totals from previous years may differ from prior Consumer Sentinel Network Data Books. The most up to date information can be found online at ftc.gov/data
A credit score is a three -digit number that predicts how likely you are to pay back a loan on time, based on information from your credit reports.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only. - Medical identity theft has existed in various forms for decades, but it was in 2006 that World Privacy Forum published the first major report about the crime. The report called for medical data breach notification laws and more research about medical identity theft and its impacts. Since that time, medical data breach notification laws have been enacted, and other progress has been made, particularly in the quality of consumer complaint datasets gathered around identity theft, including medical forms of the crime. This report uses new data arising from consumer medical identity theft complaint reporting and medical data breach reporting to analyze and document the geography of medical identity theft and its growth patterns. The report also discusses new aspects of consumer harm resulting from the crime that the data has brought to light
The FTC takes in reports from consumers about problems they experience in the marketplace. The reports are stored in the Consumer Sentinel Network (Sentinel), a secure online database available only to law enforcement. While the FTC does not intervene in individual consumer disputes, its law enforcement partners – whether they are down the street, across the nation, or around the world – can use information in the database to spot trends, identify questionable business practices and targets, and enforce the law.
Since 1997, Sentinel has collected tens of millions of reports from consumers about fraud, identity theft, and other consumer protection topics. During 2017, Sentinel received nearly 2.7 million consumer reports, which the FTC has sorted into 30 top categories. The 2017 Consumer Sentinel Network Data Book (Sentinel Data Book) has a vibrant new look, and a lot more information about what consumers told us last year. You'll know more about how much money people lost in the aggregate, the median amount they paid, and what frauds were most costly. And you'll know much more about complaints of identity theft, fraud, and other types of problems in each state, too. The Sentinel Data Book is based on unverified reports filed by consumers. The data is not based on a consumer survey. Sentinel has a five-year data retention policy, with reports older than five years purged biannually.
This guide addresses the steps to take once a
breach has occured. For advice on implementing a
plan to protect consumers’ personal information, to
prevent breaches and unauthorized access, check
out the FTC’s Protecting Personal Information: A
Guide for Business and Start with Security: A Guide
for Business.
*Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
Consumer Sentinel Network Data Book for January 2016 - December 2016- Mark - Fullbright
FTC Consumer Sentinel Network Law enforcement's source for consumer complaints.
All information, data, and material contained, presented, or provided on is for educational purposes only.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners.
It is not to be construed or intended as providing legal advice.
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Level 3 NCEA - NZ: A Nation In the Making 1872 - 1900 SML.pptHenry Hollis
The History of NZ 1870-1900.
Making of a Nation.
From the NZ Wars to Liberals,
Richard Seddon, George Grey,
Social Laboratory, New Zealand,
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A Visual Guide to 1 Samuel | A Tale of Two HeartsSteve Thomason
These slides walk through the story of 1 Samuel. Samuel is the last judge of Israel. The people reject God and want a king. Saul is anointed as the first king, but he is not a good king. David, the shepherd boy is anointed and Saul is envious of him. David shows honor while Saul continues to self destruct.
1. Senior Scams: Just say NO!
Everyone must be on guard against scams, but seniors can be more
vulnerable to fraud. Some seniors are trusting and willing to believe
what people tell them. Many crooks—and even friends and family
members—take advantage of the good nature of seniors to cheat
them.
According to a 2011 report by MetLife, the annual financial loss by
victims of elder financial abuse is estimated to be at least $2.9 billion.
Protect your assets
You worked hard for your money and property, but if you allow
someone to take advantage of you, everything you have could be
taken away. Learn to protect your assets by following these simple
rules:
Never reveal your bank account numbers or other personal
information to someone who calls you on the phone.
Never allow strangers to come into your home and take
information about you and your assets.
Never assume that a stranger who says he represents a
deserving organization will use the money you give him for a
good purpose.
Never assign power of attorney to people you don't know very
well.
Never sign contracts that have any blank lines in them.
Someone may later add clauses that will harm you.
Never arrange for a home loan until you have had a
knowledgeable third party review the contract. A disreputable
lender could steal your home.
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2. Crooked schemes and scams
Home improvement scams. Door-to-door con artists pressure and
even intimidate low-income homeowners by telling them that they
need urgent home improvements such as driveway paving, painting,
roofing or siding repair. Then they perform shoddy work, fail to
complete it, but still try to collect their money, even demanding more
than the homeowner had agreed to pay. If the consumer protests,
they threaten to foreclose on the home.
FIGHT BACK: Work only with licensed and insured contractors. Call
your state contractors licensing board to verify that the company is
licensed, and ask the contractor to provide proof of insurance. Check
customer references. Get other bids for the work. Always keep a copy
of the contract in a place you will easily find it.
Foreign lottery prizes and sweepstakes. “You have won the
Canadian lottery. Just give us your bank account or credit card
information and weʼll send you the money.” Many people have
received such calls: all of them are bogus. Typically, the caller or email says that you must pay for processing, taxes or delivery, or
provide bank account information in order to “verify” your identity. You
will never receive a penny if you respond to such calls or e-mails, and
any money you send away will be lost to you forever.
FIGHT BACK: The odds of winning a lottery or a sweepstakes, even
legitimate ones are very low. If you often respond to sweepstakes
and contests, your name might be added to “sucker lists” sold to con
artists. You may even hear from con artists who say they can help
you recover your losses for a fee. That is all a lie.
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3. Investment fraud. Everyone would like to see his or her money grow
faster. Con artists know this, and they try to convince people to buy
phony investments with promises of unusually high returns.
FIGHT BACK: Do your homework about investments. Learn how
much you can expect to earn in the market. If you are targeted with
questionable investment offers, notify the U.S. Securities and
Exchange Commission and call your state attorney generalʼs office to
file a complaint.
Fake emergency appeals. In this con, someone phones you
anonymously and asks, “Do you know who this is?” They hope you
will think it is a friend or relative. Then the caller claims to be in jail or
in desperate need of cash. Many people have been tricked into wiring
money to a “grandson” or “granddaughter.”
FIGHT BACK: Never volunteer information to someone who calls you
on the phone. Hang up on people who will not identify themselves.
Before you wire money, check with other family members to make
sure there is a legitimate emergency.
Charitable solicitations. Some solicitations on behalf of police and
firefighter organizations and other charities are made by dishonest
professional fundraising firms. They can be persistent and may imply
that if you donʼt donate, your safety will be jeopardized. Even if the
telemarketers are acting on behalf of legitimate charities, too often
only a small percentage of the donation actually goes to the cause.
Sometimes callers falsely state or imply that they are policemen.
Some bogus charities ask for donations to groups whose names
sound very similar to reputable charities, so donʼt be fooled by
“sound-alike” names.
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4. FIGHT BACK: When you receive a call asking you to make a
charitable contribution, ask how much of your contribution will go
directly to the institution you wish to help. Before you give, check with
a charity watchdog organization such as CharityWatch
(www.charitywatch.org; 773-529-2300). If you want to support local
safety agencies, call your local police and fire departments and ask
how to make a donation directly to them.
Drug plans. Seniors are often targeted by phony direct mail, TV,
radio and newspaper offers about Medicare drug plans. The sales
materials may be designed to look like official government
documents. But if you send money to these companies you usually
receive just a useless card.
FIGHT BACK: Companies offering Medicare drug plans are not
allowed to call, send e-mails or come to your home unless you ask
them. If you are interested in the benefits available to you as a
Medicare beneficiary, visit the federal governmentʼs Medicare website
(www.medicare.gov). You also can call 800-MEDICARE (800-6334227).
Credit card fraud. Keep an eye on your credit cards at all time, even
when you hand them to a waiter to pay for a meal. Devices known as
“skimmers” allow unscrupulous employees to steal the information
from your credit card and sell it to people who make counterfeit cards.
Crooks look in garbage cans and elsewhere for discarded credit card
statements and receipts to use to create fake cards.
FIGHT BACK: Always review your bill when it arrives and call your
credit card issuer immediately if you see any charges you didnʼt
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5. authorize. Before you throw away unwanted credit card statements,
shred them so that thieves wonʼt get your account numbers and use
them to make unauthorized purchases. If your card company
suspects fraud on your account, its fraud department might call you.
Your card company will never ask for your card number or any other
secret information such as passwords or your motherʼs maiden
name—if the caller does ask for sensitive information, it may be a
sign of fraud. If you are uncomfortable about the call, tell the caller
that you will return the call using the toll-free customer service
number on your credit card. When you call customer service, ask to
be connected to the fraud department.
Identity theft. A crook steals personal information, such as your
name, Social Security number, birth date or motherʼs maiden name,
to establish credit, take over your financial accounts and run up debts
in your name.
FIGHT BACK: Legally, victims of ID theft are not responsible for any
money that is lost when crooks make unauthorized use of their credit
information—but it can be difficult and time-consuming for victims to
prove that fraud occurred. There are three major credit reporting
bureaus that keep information about your credit history—loans, credit
cards, mortgages, etc. Order free copies of your reports each year by
calling 877-322-8228 or visiting www.annualcreditreport.com. By
monitoring your credit report, you can make sure no one else has
been using your credit. If you would like to know more about how to
protect yourself from ID theft, visit the Federal Trade Commissionʼs
identity theft website (www.ftc.gov/idtheft).
Burial and funeral fraud. Funerals are expensive. In hopes of
sparing survivors the stress of dealing with funeral and burial details,
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6. many people arrange and pay for their funeral and burial while they
are still alive. Funeral providers sometimes charge top dollar for runof-the-mill caskets, flowers and other products. In some instances
they will demand more money from survivors.
FIGHT BACK: Federal law gives you the right to choose the funeral
services you want. Funeral businesses must give all customers a
price list. Plan your funeral and burial in advance, but before you pay
upfront, ask how your prepayment will be protected in case the
company goes out of business. You can provide for your funeral
costs in your will.
Caregiver fraud. Home-based health aides, housekeepers and
cooks sometimes steal from the older people they are serving.
FIGHT BACK: Always check the background and references of
people you hire to work in your home. Watch your caretakers for
signs they may be spending more freely—do they suddenly have
expensive new jewelry or possessions? If you give a caregiver money
to go to the store for you, make sure you get a receipt and check all
items purchased. Keep all important financial documents under lock
and key in your home and store valuables and irreplaceable items in
a bank safe deposit box. Be alert to caregivers who try to isolate you
from your friends, who ask about your will or investments or who try
to dominate or influence you. If you are concerned, talk to a family
member or call the police and adult protective services.
“Nigerian” letters. This old scam used to arrive by letter bearing a
Nigerian stamp, but now it comes by e-mail. The sender outlines a
tale involving large amounts of money they canʼt access and asks
you to provide your bank account number so that you can help them
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7. obtain the money. In return, they promise you a cut. This is a total
fraud. If you respond to it, you are guaranteed to lose your money.
FIGHT BACK: Never respond to an unsolicited e-mail asking for your
bank account number. Hit the delete button immediately.
“Phishing.” This term is used for e-mails—which often appear quite
legitimate—that claim to be from your bank, a reputable business or a
government agency. The e-mails ask you to “confirm” your account
number and online password. Sometimes they warn that your
account is in danger of being closed or that you may be a fraud
victim. But crooks send these e-mails, not the company whose name
they are using. People who have responded to such e-mails have
had their accounts wiped out.
FIGHT BACK: Legitimate companies never send e-mails asking for
account information. If you receive such an e-mail bearing the name
of your bank, call your bank on the phone to report it. Never hit
“reply.” Delete the message immediately.
Travel scams. Fraudulent travel offers come by mail, phone, fax and
e-mail. Some advertise cheap trips but pad the deal with hefty fees.
You might be offered a three-star hotel but find yourself checking into
a dump. A lot of travel freebies come with the obligation to sit through
high-pressure timeshare pitches. Some promoters are crooks who
take your money and run. And very few of the trips are refundable,
despite the claims of the promoters.
FIGHT BACK: You can spot a fraudulent travel offer by its rockbottom price and high-pressure sales tactics. Before buying travel
packages, get the offer in writing and check out the company with the
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8. Better Business Bureau, state attorney generalʼs office or your local
consumer protection agency. Airline charter packages canʼt be legally
sold until the U.S. Department of Transportation approves the filing—
so check with the DOTʼs Public Charter Office at 202-366-2396.
Always use a credit card to purchase travel—that way if something
goes wrong you can dispute the charge with your card company.
(Never give your credit card number to someone who calls you on the
phone.)
Elder abuse
All states have laws to protect older people from abuse. However,
state adult protective services laws vary widely on the abusive
situations they cover. To find the best way to report senior abuse of
any kind, start with a call to adult protective services. To find your
closest agency, call the Eldercare Locator at 800-677-1116 or visit
the National Center on Elder Abuse website (www.ncea.aoa.gov).
Protect yourself from scams
Donʼt be afraid to say no.
You donʼt have to talk to telemarketers—hang up if you are
uncomfortable or you donʼt trust the caller.
Donʼt give in to high-pressure sales tactics.
Call the police if you feel threatened.
Donʼt reveal your credit card, bank account or Social Security
numbers to unfamiliar companies or people.
Do your own research on charities and other solicitors.
Itʼs your money—never be afraid to ask where itʼs going.
Before you invest, do your homework, because you can lose
money even on legitimate investments.
Get the details of all deals in writing.
If it sounds too good to be true, it probably is.
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9. Helpful resources
AARP
www.aarp.com
News and tips on many scams that target seniors.
THE FEDERAL TRADE COMMISSION (FTC)
www.ftc.gov, 877-382-4357
The FTC provides free information to help you spot and prevent
fraudulent, deceptive and unfair business practices. The FTC accepts
and tracks individual complaints, but does not provide direct
assistance to individuals.
NATIONAL DO NOT CALL REGISTRY
www.donotcall.gov, 888-382-1222
The National Do Not Call Registry allows you to block telemarketing
calls. You can call or visit the website to add your landline and cell
numbers. (Charities, political candidates and companies with whom
you do business may call you even if your number is on the list.)
THE NATIONAL FRAUD INFORMATION CENTER
www.fraud.org
A project of the National Consumers League, the National Fraud
Information Center has tips and articles to help you recognize fraud,
and an online form to file a complaint.
BETTER BUSINESS BUREAU (BBB)
www.bbb.org
Visit the BBB site to find your local BBB agency, read its extensive
scams listings and check out charities before you give.
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