Wretched Robocalls 

By Crystal Baldwin  

A National Consumer Protection Week feature. “National Consumer Protection Week (NCPW) is a time to help people understand their consumer rights and avoid frauds and scams” (FTC).

Ten years ago, the influx of scam calls through automation began. In two days, the Consumer Assistance Program (CAP), which traditionally logged around twenty scam reports per month, received hundreds of scam reports over two days. By the end of 2012, CAP averaged 145 scam reports per month. Of the first robocalls Vermonters reported were the card services scam, which claimed interest rates could be lowered on their bank credit cards. Next came claims of free gift cards from a specific retailer, who was offering nothing of the sort. What soon followed was a rush of new scams; claims that free life alert devices were available, the infamous IRS scam (responsible for 4,261 reports in 2016), which morphed into the SSN phishing scam, and countless others. Reports of scams have not dropped below the 5,000 mark since before 2015 in large part due to robocalls. After nearly a decade, it’s clear these calls are not going away on their own.   

While scam nature varies, the one thing these scams have in common is the criminal use of expanded phone technology. In short, scammers have learned how to manipulate our phone systems to make millions of unscrupulous calls per minute. As long as they continue to make money, they will continue to call with enticing offers and troubling spiels.  

How a Robocall Gets to You – Consumer Assistance Program – Learn more

Telltale signs of robocall scams: 

  • A computer/automated/robot voice 
  • Pressure to act immediately 
  • A request for something: your information/your money 

To the demise of the robocall scam industry, there are steps you can take as a consumer advocate to avoid these calls. By being aware and not engaging with these calls and making these scams less successful, you are doing your part to stop robocall scams. Learn more about stopping scams by opening the Blocking Unwanted Calls tab on CAP’s website. You can also listen to a previously recorded Vermont Edition about stopping and blocking robocalls.

Here’s what you can do when you receive an unknown call: 

  • Pause:  Take time to reflect – if a call is unexpected, disengage. 
  • Take steps to verify by making note of the contact and doing research, including checking a trusted source. 
  • Discuss scams with friends and loved ones regularly. Storytelling induces learning. The simple act of communicating with others about scams can help prevent others from becoming victims.  
  • Keep on reporting them. Our office has been part of a bipartisan taskforce of attorneys general and federal law enforcement to relieve consumers of unwanted calls. Your robocall reports are used to aid this taskforce in tracking down criminal syndicates. 

With the help of federal authorities and a large U.S. voice provider, our office has been able to track down US intermediaries and hold them accountable for sending scam calls to your phone. 

You can help stop robocalls by reporting them to the Consumer Assistance Program: CAP’s online scam reporting form.  

When Love is a Scam

By Crystal Baldwin

Love fills us with joy, lifts us up, and makes us feel alive. As determined by a recent Stanford University study, for many, love is found online.  

Says "Click for Love" with Heart and Clouds

Technological advances and the move of our social lives and networks to online platforms has shifted the dating world to unchartered territory–online dating websites (Match, Zoosk, OurTime, Plenty of Fish, OKCupid, eHarmony), dating apps (Bumble, Tinder, Hinge), gaming platforms (Words With Friends, Sociable, Yahtzee with Buddies) and unassuming networks (Facebook, Instagram). As if the dating world were not challenging enough to navigate. Now, those looking for love must also learn how to create a true connection through tech, while avoiding scammers.

New data from the Federal Trade Commission show that more consumers than ever report falling prey to romance scammers

Consumers reported losing $547 million in 2021 alone.

Reported losses to romance scammers were up nearly 80 percent compared to 2020.

Federal Trade Commission
Avoiding the Romance Scam Video – Learn more at ago.vermont.gov/cap/romance-imposter

At the end of last year, our office released a video and toolkit alerting Vermonters about imposter romance scams that can take place on dating platforms. Before looking for love online, check out the video and tools we created to help you to identify unscrupulous love interests and relationships of confidence.

You can find love online and avoid scams. Print out our helpful verification flyer and reference it often.

To avoid romance scams...Search the internet to verify a person's identity. Never send money/personal information to someone you have not met in person. Don't trust anyone who: refuses to provide additional photos of themselves. Requests money for financial support. Refuses to chat with you through webcam. Provides excuses as to why you can't meet.
Tips to avoid romance scams by the Consumer Assistance Program

If you or someone you know has encountered a scam in Vermont, report it. Use CAP’s online scam reporting form and visit the our scam recovery webpage.  

Help us stop these scams by sharing this information with those you care about. 

Resources: FTC.gov, news.stanford.edu

Your Face is Data. What Can Scammers Do with it?

By Cristina Leiva

How often do you use your face to unlock your phone? Gain access to your bank account? Turn on your car? With the evolution of technology, facial recognition software has become essential in our everyday activities. A simple scan of your facial features can provide access to so much. This realization came to me as a consumer reported an incident where a scammer asked her to download a facial recognition app and submit a scan of her face.

“Criminals who have collected enough personal information on you could commit identity fraud.”

Equifax

Your face can be used in crimes, either targeting you or as an accomplice to one. The Wall Street Journal recently reported on synthetic identity fraud: “a fast-growing type of financial crime where fraudsters use an amalgamation of real and fake information to create a new identity.” Thanks to your facial features, a scammer can bypass facial authentication systems, making the scammer’s face challenging to identify, because “attackers are typically unwilling to use their real face when committing a crime.” And who’s to say you didn’t commit a crime when your face is all over the issue?

There are numerous concerns about the fraudulent activity that can occur because of criminals gaining access to your face. Thankfully there are already a few companies working on this issue:

  • Apple’s camera projects more than 30,000 invisible dots to create depth maps of a person’s face while also capturing an infrared image of the face making it the most difficult to fool, and it’s also good to note that a user’s Face ID never leaves the iPhone.
  • Some banks and financial service companies use third-party facial identification services and request additional verification information; if it so happens that the facial ID is not recognized and gets flagged, a human reviewer will take a look and conclude the analysis.

Your face can be captured anywhere; all that is needed is a clear image. There’s a lack of privacy on how individuals can gain access to your face because your face can be captured just by walking past a camera outside—you likely aren’t aware of it.

What can you do?

Always be careful about who you allow access to your face.

Avoid Facial Identity Fraud: -Be mindful of where you post pictures of your face online and set profiles to private to help protect your identity.
-Use two-factor authentication when it’s available-Use facial recognition sparingly and only with companies you know and trust-Do reverse-image searches of your face online to see if it shows up in unexpected places-Monitor your credit report and financial accounts and review for suspicious activity to determine if financial theft is occurring
Avoid Facial Identity Fraud – Tips from the VT Attorney General’s Consumer Assistance Program

Navigating the identity theft recovery process can be overwhelming. Vermonters with questions about the process can call the Consumer Assistance Program at 1-800-649-2424 or the Federal Trade Commission at 1-877-438-4338. 

Content Editor: Crystal Baldwin

Resources: Equifax, The Wall Street Journal, WeLiveSecurely.com

Introducing: Family Imposter/Emergency Scam Prevention Videos

By Crystal Baldwin

Family Imposter: Know your relationships-take steps to verify

“I need help…”
“I’m in prison…” 
“I’m in the hospital. I need help…” 
“I had a bad car accident, and people are injured…” 

No matter what the scammers say when they initiate the family imposter/ emergency scam, it is sure to spike emotion. Scammers call, claiming to be one of your most cherished loved ones—your grandchild—and ignite fear that those you care about are in dire need. With emotions running high, how can you not engage with the call, stay on the line, and find out more? You are worried and feel helpless because all you have to validate this story is the phone in your hand and the fear of what if.   

What if you do nothing and your grandchild really is in trouble?

:30 – Avoiding the Family Imposter Scam video. Hear the whole story at https://ago.vermont.gov/cap/scam-prevention-through-awareness-and-education/family-imposter-scams

I considered these very questions when writing the script for the newly released Avoiding the Family Emergency Scam videos. I recalled the stories of actual Vermont families receiving such alarming calls in the middle of the night with nothing to go on but the urgency of the call, the deep love for their family member, and the desire to resolve the issue at hand. As our volunteer actress, Ruth Wallman, relays as the unsuspecting grandparent in the video, “What was I supposed to do? He needed my help!…I like to be there for my family. But, this just went too far.” 

Slow Down: Scammers pressure you to act urgently. Don't! Regain your calm. Log the Contact: write down the info of the contact and disengage. One Call: make One Call to a primary contact to discuss the incident. Warn others by sharing your scam story and report scams to help prevent them. The Consumer Assistance Program (CAP) at 1-800-649-2424 is your local Vermont resource for scam prevention.
The SLOW method. Share this strategy with someone you care about.

In creating this video series, I hoped to help Vermont families find a way to still be there for their families when emergencies arise by arming them with useful verification strategies to decipher between a scam and an actual family crisis. Verification of the family imposter scam starts with the SLOW method, a scam response strategy I created specifically to pause and identify scams. It urges people to Slow Down, Log the Contact, make One Call to a primary contact to discuss the incident. Warn others by sharing your scam story and report scams to help prevent them. The Consumer Assistance Program (CAP) at 1-800-649-2424 is your local Vermont resource for scam prevention.

:60 – Avoiding the Family Emergency Scam video. Hear the whole story at https://ago.vermont.gov/cap/scam-prevention-through-awareness-and-education/family-imposter-scams

Engaging with others is a crucial verification step, because scammers often demand secrecy in family emergency scams and make would-be valid claims that they would be too embarrassed or ashamed, or afraid of ensuing punishment if other family members were made aware of the damning incident. 

Family support and open, frequent communication among families is essential to putting an end to the family imposter/emergency scam. If questions remain, family cannot be reached or communications are limited, contacting a third-party organization, like CAP is the next best step. CAP is familiar with scams and can help to identify them. By contacting CAP, you can also make a scam report, which helps our office identify and alert the public about scam trends.  

Help protect yourself and others by taking time to watch the video. Review the information on our website, and encourage those you care about to learn more about scams and prevention strategies to stop them.   

Avoiding the Family Emergency Scam video. Learn more at at https://ago.vermont.gov/cap/scam-prevention-through-awareness-and-education/family-imposter-scams

Learn more at https://ago.vermont.gov/cap/scam-prevention-through-awareness-and-education/family-imposter-scams 

Read more blogs about family imposter scams.  

Report Scams:   
If you or someone you know has encountered a scam in Vermont, report it. Use CAP’s online scam reporting form.    
  
Help us stop these scams by sharing this information with those you care about.  

Introducing: Romance Scam Prevention Videos

By Crystal Baldwin

Anyone who has overheard the conversation of online streaming video game players on opposite sides of the globe knows that real and true friendships can form online between parties that have never met before. As shared in the following open letter, this is how scam prevention advocate Pat McCarty’s online relationship began just two years ago.  

:30 – Avoiding the Romance Scam video. Hear the whole story at ago.vermont.gov/cap/romance-imposter

From Pat McCarty:
Until it happens to you, it’s impossible to understand; a man or woman freely sending money to someone they’ve never met in person. But I’m here to tell you, even the most cynical, worldly, educated, and discerning person can, and does, get scammed!  

There are hundreds of different scams out there, I got caught up ‘catfished’ into a ‘Romance Scam’ that crippled me financially, undermined my self-confidence, and ended up breaking my heart. I was a 58-year-old, recent divorcée after a 30 year marriage, living on my own for the first time in my life. I’m a college graduate, fairly bright, cynic, who doesn’t suffer fools gladly. But, I’m also a Christian woman, who tries to help those in need, and THAT is what my scammer preyed upon—my compassion for others.  

I was not out looking for a mate, date, or companion on some dating site. I was playing Words With Friends online, which I often did. And that is where this scammer targeted me. The conversation was very generic at first, but slowly, over weeks, developed into an online friendship. From there, it took a turn into a private chat room, and then he had me right where he wanted me! It’s a long twisting story, but ended with me selling all my gold jewelry, sending every spare cent I had to him, as these scammers are polished and sophisticated, they have a plausible story for EVERYTHING! At the point I actually sold my car, my only transportation, to “help” him. I knew I’d ‘jumped the shark,’ and started doing some digging myself!  

What I found was heartbreaking, infuriating, and devastating.  

:60 – Avoiding the Romance Scam video. Hear the whole story at ago.vermont.gov/cap/romance-imposter

That was 2 years ago. After some time, good therapy, and scam-specific education, I no longer see myself as a victim, but as a SURVIVOR! My life is mine again, my finances are healthy again, and I’ve taken back my power by volunteering at a Fraud Watch call-in center, advising others how to get out of scams like mine and so much more. With literally hundreds of scams out there, and new ones popping up daily, I’m so honored to help others get out of their scams and find THEIR power again. And, if I’ve learned anything, it’s that literally ANYONE can be scammed! I hear stories every day of those who thought it would NEVER happen to them. Knowledge is power. Learn all the red flags and warnings….BEFORE it  happens to you!  

As Pat relays, enlisting in a scam-specific education to learn more about scams in order to stop them, is the best defense against scams. Today, our office announced the release of the Avoiding the Romance Scam prevention video (embedded throughout this post in varying lengths), an effort produced here in Vermont, based on true accounts of scams experienced by our neighbors like Pat. Help protect yourself and others by taking time to watch the video. Review the information on our website and encourage those you care about to learn more about scams and prevention strategies to stop them.  

Avoiding the Romance Scam video. Learn more at ago.vermont.gov/cap/romance-imposter

Learn more at ago.vermont.gov/cap/romance-imposter

Read more blogs about romance scams

Report Scams:  
If you or someone you know has encountered a scam in Vermont, report it. Use CAP’s online scam reporting form.   
 
Help us stop these scams by sharing this information with those you care about.