Shred events help to prevent identity theft

By Crystal Baldwin

This weekend, I am going to a Shred Event hosted by a local bank. My several boxes of shred-necessary paperwork–you know the documents riddled with personal identifying numbers–already seem lighter.

Banks periodically host events where they gather one or more mobile shred trucks, equipped with an industrial shredder and invite the public to offload their shredding. Different from an at-home shredder, which slowly snips small amounts of paper at once with varying outputs, cutting long strips or crosswise. The shredder on a mobile shred truck can handle large quantities of paper. An entire box, for example, can be dumped into the receptacle at once, returning small bits of paper. In the world of paper shredding, industrial shredders are considered quick and supreme. The result of compounding shredders with the anonymity of event participants is a massive indiscernible pile of recyclable paper. 

Shred Events: Protect Your Identity
Shred Events: Protect Your Identity

Why shred events?

Shred events help prevent fraud and financial identity theft by giving people an easy way to dispose of confidential paperwork. We all have it, and we need a safe and secure way to dispose of it. All an identity thief needs to wreak havoc on our financial future is our Social Security number, date of birth, address, and name. Shred events benefit you by helping you protect your personal information. They help banks by way of protecting the information of their clientele and eliminating potential bank fraud and related recovery costs.

Identity thieves are online, so why do we need to shred paper?

News of data breaches and the message to stay safe online and protect your electronic information remains true and important. And still, some of the more involved and impactful crimes of identity theft, such as the creation of new accounts and huge losses, are often committed by people close to us: a relative, supposed friend, or neighbor. Some of these folks may know exactly where you keep your boxes of personal files.

Still others may forage trash the eve of trash pickup. If you carelessly discard confidential documentation, you could be directly supplying a thief with your information.

Destroying documents that you no longer need is the best method to prevent potential theft and misuse of that document. Keeping such documents around your home, or neglectfully discarding them in original form makes you more susceptible to identity theft.

Can shred events destroy my devices that contain my personal information?

No. Shred events are all about shredding paper. Personal devices cannot be discarded or wiped clean of personal data there. Prior to discarding or recycling electronic devices, consumers must take crucial steps to clear personal data off a device through a factory reset or destroy the dive/circuit board altogether.

How can I find a shred event near me?

Banks as well as community organizations host shred events. When you find an event, such as through an online event listing on a third-party site, like Facebook, take steps to verify directly with the hosting entity.

To learn more about identity theft and protection steps, please review the Consumer Assistance Program’s website and blog.

Free Cybersecurity Training for VT Small Businesses

The Consumer Assistance Program of the Vermont Attorney General’s Office is hosting the Cybersecurity for Small Businesses Training, a free webinar about protecting your small business from data breaches, scams, and cyber-attacks. Representatives from the Vermont Attorney General’s Office will be joined by Microsoft on September 29th from 9:30-10:30 for a free virtual presentation on cybersecurity for small businesses.

This presentation will feature Vermont Assistant Attorney General Sarah L. J. Aceves from the Consumer Protection Division and will discuss the ways in which businesses can protect themselves from scams and respond to a data breach. Microsoft Suite users can stay on for an additional presentation by a Microsoft training expert, who will discuss the application of cybersecurity features within the platform. Vermont small businesses are invited to join us for this informative and interactive presentation.

Event: Cybersecurity for Small Businesses Training

Hosted by: Emily McDonnell, Small Business Advocate of the Vermont Consumer Assistance Program of the Vermont Attorney General’s Office

Presenters: Sarah L.J. Aceves, Vermont Assistant Attorney General
Jessica Harrison, Microsoft Training Manager

Date: Thursday, September 29, 2022

Time: 9:30 AM – 10:30 AM (Eastern Time)

Location: Online webinar

Cost: Free

Register: Click here for the webinar registration

Businesses can preview guidance as to what to do in the event of a security breach on the Vermont Attorney General’s website: VT Security Breach Notice Act Guidance. For more information on this webinar or resources for small businesses, contact Emily McDonnell, Small Business Advocate at AGO.SmallBusiness@vermont.gov.

Our office works to promote a private-public partnership to inform Vermont small businesses. Our goal is to give businesses the resources they need to comply with the expectations of commerce. Please understand our office is unable to provide legal advice and we do not endorse any specific business.

Vermont Business Imposter Email Scams Are on the Rise

BURLINGTON – The Attorney General’s Consumer Assistance Program (CAP) is warning Vermont business owners, non-profits, and employees about an uptick in business imposter email scams. In the last two months, CAP has received five reports of business imposter email scams resulting in a total loss of $210,799. Scammers are impersonating employees or familiar business representatives’ emails and contacting company bookkeepers and office administrators asking them to change bank account information, direct deposit information, or asking them to write checks. By impersonating an employee’s email address or creating a fake personal email for the employee, scammers can steal money from businesses and steal paychecks from employees.

$210,799 Business Imposter Loss in Vermont in July and August 2022
Business Imposter Loss – Vermont – July and August 2022

            Vermont businesses and non-profits should always verify email addresses and speak directly with an employee or business representative in person or via phone when sending money or changing payment information. Oftentimes, scammers will use an email address that only slightly varies from an employee’s true email. Be wary of any email coming from outside your company’s domain. CAP urges business owners to educate their entire company on scams that target businesses.

              Here are ways in which businesses and non-profits can better protect themselves and their employees from scams:

  1. Cybersecurity assessment: check internal controls and resolve vulnerabilities.
  2. Train staff regularly in cybersecurity and funds management protocols.
  3. Enlist internal protocols to verify the transfer of funds by engaging multiple staff members and voice verification, using trusted contact information.
  4. Help clientele identify common scams within the industry.
  5. The SLOW method can serve as a helpful starting point, encouraging parties to take their time during urgent transactions and connect with a trusted party like CAP.
  6. Never send money to parties you cannot verify.

            To learn more about how to protect your business from these scams, watch CAP’s Avoiding the Business Imposter Email Scam Video and review the steps to verify at https://ago.vermont.gov/cap/business-imposter/.

Avoiding the Business Imposter Email Scam

            If you or someone you know has lost money to this scam, contact law enforcement and report the scam to CAP online or call 1-800-649-2424 and speak to our Small Business Advocate.

When Computer Tech Support is a Scam 

By Crystal Baldwin

Computer tech support scammers are imposters that immediately gain trust by using well-known company names like Norton, Microsoft, or Apple, or by expressing a desire to help fix a daunting problem. Ranking third among the scams with the highest dollar loss, $695,240, in Vermont in 2021, this scam is historically successful due to its ability to establish a sense of familiarity and legitimacy garnered by the scammer’s suggested affiliation with a company and their technical prowess. 

Scammers claim an account renewal payment has been processed or antivirus protection is needed. May claim to be Norton, Microsoft, or Apple. Contact CAP: 1-800-649-2424 ago.vermont.gov/cap
Computer Tech Support Scam Alert

In the computer tech support scam, you are contacted by phone, pop-up or email on your computer. The message spikes your anxiety and drives your response to be reactive. Tech scammers may claim, “There is a virus on your device,” “Your security subscription has been automatically renewed,” or “You have been charged for a year’s subscription of antivirus.” In the communication, a link or phone number is included, which you are urged to contact immediately to rectify the issue.  

While in reaction mode, you call, hoping to resolve the issue. During the call, the scammer will try to persuade you to give remote access to your device to fix the problem, and sometimes will ask for immediate payment for their services. In scenarios where a refund is requested, they facilitate what appears to be a transfer of funds by walking you through steps to log into your own online bank account. Utilizing their program and ability to freely roam on your computer while they have remote access, they disguise the origin of the funds transfer, which is in actuality a transfer of funds between your own bank accounts.  

Tech support scammers further escalate the call, using high tones of voice, demands of urgency, and call on your empathy to help solve a problem they created. The scammer’s tactics pull the recipient of the scam further into reaction mode. While in reaction mode, responses are based on impulse and with little additional collective data. Once a person has more information, through the process of asking questions and seeking out resources, the ability to think critically and problem-solve the issue comes back online.  

For this scam and consumer transactions generally, you can apply the SLOW method to disrupt the unpredictable reaction response by substituting a planned response instead. At the onset of the first communication, start with SLOW as a strategy to help you take steps to verify. 

Slow down! Log the Contact. Make One Call to a primary contact. Who cares? Reach out to CAP at 1-800-649-2424.
Stop scams with SLOW

S – Slow down – scammers pressure you to react urgently. Don’t! Instead, take a breath and find your calm by doing what is immediately natural to you.   

L – Log the contact – write down the information of the email, or phone call. If they are on the phone, you can tell them you will call them back, even if you don’t intend to. Then, disengage. 

O – One call – make one call to a primary contact, such as a friend or family member and discuss the incident. It works best if you have pre-established who this will be; someone you can trust no matter what. The contact is a sounding board, who will ask questions and help you get curious about the interaction. Some questions might include:  

How do I know the contact is who they say they are? –What proof is there? Where can I verify their contact information that is not part of the communication I received? –Was my credit card charged? What other parties can I contact that might know more about this? How can I be sure this is not a scam? 

W – Who cares? Contact another party or organization in your life who cares. The Consumer Assistance Program (CAP) can help you identify scams and report them: 1-800-649-2424 and ago.vermont.gov/cap 

Know what to watch out for in computer tech scams, so you can avoid them: 

  • Be wary of pop-ups and unexpected emails/phone calls.  
  • Watch out for security warnings and account renewals. 
  • Don’t trust contact information, like links, URLs and phone numbers provided in unexpected emails. 
  • Never click on links or provide remote access to your computer from an unknown email or source. 
  • If you received an email or pop-up message, you cannot click out of, don’t engage. Instead, shut down, restart, or unplug your device. 
  • If you get a call from “tech support,” hang up.  
  • Be careful when searching for tech support online. Some users have been scammed by calling illegitimate phone numbers listed on the internet.  

In the age of the internet and free flowing technology scammers hope to capitalize at every turn. You can prevent scams by practicing SLOW in all your consumer transactions now—and commit to being a primary contact for others. Everyone can help stop scams by following a scam prevention plan and sharing scam knowledge with your community.  

SCAM ALERT: BEWARE OF “COURIERS” COLLECTING CASH IN FAMILY EMERGENCY SCAM

BURLINGTON – Attorney General T.J. Donovan is warning Vermonters about a new variation of the family emergency scam in which scammers are demanding that cash be handed over in person to a “courier.” By presenting a fake emergency in which their loved one needs help getting out of trouble, scammers pressure panicked family members, including grandparents, into acting before they can realize it’s a scam. Until recently, scammers took a hands-off approach in collecting money, demanding gift cards, wire transfers, or virtual payments. Now, the Attorney General’s Consumer Assistance Program (CAP) is receiving reports that scammers are enlisting “couriers” to collect cash directly from unsuspecting family members at their homes to resolve the fake emergency. Vermonters who receive these calls should resist the urge to act immediately and take steps to verify the caller’s identity.  

Scam Warning: In-person courier money retrieval scam. Slow down. Take steps to verify. Never give money to parties you cannot verify.

These scenarios are designed by scammers to be emotional and high pressure. If you are presented with this type of scenario—pause; hang up the phone; and call a friend or family member to verify. Do not give money to someone coming to your home. Instead, call local law enforcement and the Consumer Assistance Program to identify and report the scam.

Attorney General Donovan

While the family emergency scam has long plagued Vermonters, CAP is raising awareness about the spread of “couriers” coming to Vermonters’ homes to collect cash. In the last week, CAP has received 4 family emergency scam reports from Vermonters who were told that an individual or a “courier” would retrieve cash from them at their homes—3 of these scams resulted in monetary loss. Common elements of this scam include:

  • Claims of a “gag order” being in place which requires secrecy.
  • Cash is needed to pay for a “bond” or a “bail bond agent.”
  • A loved one was involved in a “car accident,” sometimes related to traveling for a COVID-19 test.

CAP has found that scammers are becoming more sophisticated in their contacts and appear to be using internet searches and public social media profiles to research the locations of family members. By searching telephone numbers and addresses on the internet and scanning popular social media sites, scammers can learn about familial relationships, ages, and geographic locations. Scammers then use this information to make the scam seem credible.

CAP advises Vermonters to slow down and follow a plan to not get scammed. Use the SLOW method in urgent situations:

S – SLOW DOWN. Scammers pressure you to act urgently. Take time to regain your calm.
L – LOG THE CONTACT. Write down the phone number of the contact and disengage.
O – ONE CALL. Make one call to a primary contact, such as a friend or family member, and discuss the incident.
W – WHO CARES? Call CAP to identify and report scams at 1-800-649-2424.
Slow down and follow a plan to not get scammed.

S – SLOW DOWN. Scammers pressure you to act urgently. Take time to regain your calm.

L – LOG THE CONTACT. Write down the phone number of the contact and disengage.

O – ONE CALL. Make one call to a primary contact, such as a friend or family member, and discuss the incident.

W – WHO CARES? Call CAP to identify and report scams at 1-800-649-2424.

If you or someone you know has lost money to this scam, contact law enforcement and report the scam to CAP at 1-800-649-2424. Learn more about family emergency scams by watching CAP’s Avoiding the Family Emergency Scam video and reviewing steps to verify at https://ago.vermont.gov/cap/family-imposter/.

Reference: https://ago.vermont.gov/blog/2022/06/02/scam-alert-beware-of-couriers-collecting-cash-in-family-emergency-scam/