Reprinted from Scambusters.org newsletter Slider Theft, Unsafe PINs and Advance Fee Scams ~~~~~~~~~~~~~~~~~ Youd think we would have exhausted all the variations of the advance fee scam by now. But youd be wrong. As weve reported many times, this trick involves sending a victim a check as upfront payment for a product or service, with a request that part of the sum should be returned or passed on to a supposed third party who is somehow involved in the deal. The victim banks the check, wires the sum requested, then learns the check is a dud, and they are out by however much they sent on to the other person, who is, of course the scammer. In their search for new ruses, the crooks have hit on another idea, targeting artists and hobbyists who offer their work for sale online, especially on social networks. They may also try the same trick with artists and others who publicly exhibit their work and price it for sale. Either way, the scammer makes contact by phone or email, expressing interest in the work and offering to buy it, usually as a supposed gift for a special occasion, like a wedding or anniversary. They turn on the flattery, saying how the piece fits precisely with their taste or the recipients tastes. In some cases, they claim to have consulted an art expert for an opinion, which turned out to be highly favorable. All this flattery is intended to make victims drop their guard and feel theyve established a sort of friendship with the buyer, who then sends them the phony check. Then the crooks use a variety of explanations for the overpayment, for example claiming they made a mistake and need a partial refund. Or they may say its a fee for a shipper or appraisal expert. Whatever the explanation, they always, of course, want the sum to be sent electronically, and untraceably, as quickly as possible (that is, before the bank notifies the victim that the check is worthless). Action: Beware of flatterers! But one simple and familiar rule will defeat this: Dont wire money to people you dont know, no matter how plausible they seem. Beware of Sliders Sliders is the name for a new type of theft at the gas station. While youre pumping gas (unless youre in Oregon or New Jersey where drivers arent permitted to pump!), another vehicle slides up alongside yours. The driver yanks your passenger door open or puts his hand through an open window and grabs whatever valuable you left within reach -- usually a purse, wallet or phone. You might not even see the incident, which takes only seconds, if your back is turned. And the crooks usually ensure their license plates and their own appearance are suitably disguised. In a more sophisticated trick increasingly seen in parking lots, thieves use a jamming device to block a lock signal from a remote key used by the driver after parking. Once the owner is out of sight, the crooks simply open the unlocked car door and help themselves to whatever they want. Action: At the gas station, keep valuables out of sight and reach. Make sure any doors next to empty seats are locked and windows closed. Even if theres a passenger in the car, that wont stop the sliders if they see something worth grabbing on the passengers lap or an empty seat. And if you use a remote device to lock your car, do it while youre beside the vehicle and check that its locked by simply tugging the handle. Whats Your Number? PINs (Personal Identification Numbers) add a valuable layer of security to all manner of transactions -- most often with the use of debit cards and cash cards at ATMs and store registers. Most have four numbers which means 10,000 possible combinations (from 0000 to 9,999), which should be more than enough to defeat a crook whos stolen your card or card number and only has a limited number of guesses at the PIN before he or she is stopped. Thats the theory. Of course, scammers have all sorts of tricks for finding out what your actual PIN is, using hidden cameras, card readers and just their eyesight to monitor the number you key in. But even without these, they also have another weapon: the fact that certain numbers are more popular than others. A recent report by security specialists Data Genetics recently identified the 10 most common, and therefore the most vulnerable PINs -- in order of popularity: 1234, 1111, 0000, 1212, 7777, 1004, 2000, 4444, 2222, and 6969. The company also published a list of the least popular numbers, but since theyve now made it public, we wont bother to give them to you because we imagine crooks have now added them to their list of numbers to try first! Action: If you use one of the top 10 numbers weve listed, change your PIN as soon as possible. If you dont know how to do this, ask your bank or the card issuer. Instead, select a number that doesnt have a sequence or repeated digits. It may be harder to remember but its also more likely a crook wont guess it. As with the threat of slider thieves and advance fee crooks, applying a bit of caution and commonsense now could save you a lot of money in the long run.
Posted on: Wed, 04 Dec 2013 21:07:57 +0000
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