Scams. Anyone can be targeted. Anyone can be the victim. Scammers are calculating and shrewd. They can be belligerent and threatening. They will stop at nothing to get what they want – your money, your identity, your information. They have no shame. They aren’t nice people.
There is always a season for scammers and there are always ‘target’ groups, and older adults, those with cognitive challenges, those who are isolated, those who are too trusting, veterans are some of them.
Put them together and you have a billion dollar “industry”.
First, let’s address the ‘season’. People are generous during the holidays. We are also busy and often distracted which puts us at a higher risk.
- “I didn’t order that!” You receive an email that seems to be legitimate, confirming a purchase from an online retailer. But – you didn’t order that. There is a link posted that you can click to dispute the order or cancel it. It doesn’t stop there. You are then asked for personal information which will then be used for fraud or theft. Do NOT click on that link!
- Fake shipping notices are emailed to you or a form is left on your door saying there is a delay or problem with your order. Do NOT click on the link (which could load a virus) or call the number provided. If you are expecting a package, go to the merchant’s direct website for shipping information.
- Fake charities are always up and running but we may be a little more lax during the holidays. Do your homework so you know the charity is legit. The Federal Trade Commission offers information on checking charities.
- When you’re doing online shopping, make sure to look for the “https” and the lock symbol. This indicates that the site is secure.
- Be aware of “porch pirates.” These people steal the packages from your porch. Have packages sent to a secure location.
Now, let’s look at the targeted groups.
- Older adults, isolated individuals, and those with cognitive challenges can be a scammer’s dream! Talk to your loved ones and help them understand the risks. The family of the person with dementia may need to work with banks, lawyers and/or Social Security to help protect their family member. Socialization opportunities can help with loneliness which offers some protection.
- Veterans also are at risk. The U.S. veteran receives a call or message from an alleged representative of veterans services about “potential benefits.” Once they get the veteran on the line, they ask for personal information that allows the scammer to steal money from accounts or sell the information to other scammers.
This is the Cliff Notes version of potential hazards for the season and for target groups. Remember:
- Hang up. Do not engage the scammer in conversation.
- Do NOT provide personal information.
- Do NOT click on links in potentially hazardous emails or call the number provided. Look up the information on the seller’s direct website.
- Don’t accept what you read or hear for fact. Use due diligence. Research the information.
Be cautious. Protect yourself. Don’t let the Grinches steal your Christmas!
Have a happy and secure holiday!
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