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Tips to follow from one incredibly costly conversation with cyber crooks

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Tips to follow from one incredibly costly conversation with cyber crooks

It is the crummiest feeling of getting fooled and ripped off by online swindlers.  

A former New York Times writer courageously shares a day from hell when an orchestrated attack starting with a phone call ended with her handing crooks $50,000 in cash. 

Before you rush to conclusions and think, “That could never happen to me,” think again.

CLICK TO GET KURT’S FREE CYBERGUY NEWSLETTER WITH SECURITY ALERTS, QUICK VIDEO TIPS, TECH REVIEWS, AND EASY HOW-TO’S TO MAKE YOU SMARTER 

Woman talking on her cell phone  (Kurt “CyberGuy” Knutsson)

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The anatomy of a $50,000 scam

In “The Day I Put $50,000 in a Shoe Box and Handed It to a Stranger,” Charlotte Cowles, a finance writer, explains how she was deceived by a very complex fraud.

It started when Cowles received a phone call from someone claiming to be from Amazon customer service, alerting her to suspicious activity on her account, which quickly escalated into a total nightmare scenario involving identity theft, drug trafficking and money laundering charges linked to her name.  

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Here’s what happened:

  • The scam escalated when she was transferred to someone claiming to be from the Federal Trade Commission (FTC), who informed her that her identity was linked to serious criminal activities, including money laundering and drug trafficking.
  • The scammer, now pretending to be a CIA agent, convinced her that her assets were being investigated and that she needed to secure her funds by withdrawing $50,000 in cash.
  • Under the pretense of protecting her from supposed criminal charges and ensuring the safety of her assets, the scammer instructed Cowles to place the $50,000 in cash inside a shoebox and hand it over to an accomplice who would arrive at her location.
  • The scammer exploited personal information about Cowles, such as her home address, Social Security Number and details about her family, to create a sense of urgency and fear.
  • Despite her background in financial journalism and personal finance, Cowles was manipulated into complying with the scammer’s demands, highlighting that scam victims can come from any demographic and possess various levels of education and financial literacy.
  • The scam concluded with Cowles handing over the money to a stranger in a white Mercedes SUV. She later realized the extent of the deception and reported the incident to the police, though the money was never recovered.

WISCONSIN LEGISLATURE PASSES LAWS RESTRICTING AI-PRODUCED DEEPFAKE CAMPAIGN MATERIALS

The con’s manipulation

Charlotte is manipulated into believing her and her family’s safety is at risk, which leads her to withdraw a whopping $50,000 from her savings and hand it over to the scammers under the guise of protecting her assets.

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Scammer on a laptop committing a crime  (Kurt “CyberGuy” Knutsson)

MORE: HOW SCAMMERS USE GOOGLE VOICE VERIFICATION CODES TO STEAL YOUR IDENTITY AND MONEY  

Drawn into the scammer’s web of lies

Despite her background in personal finance and being considered rational and dependable, Charlotte is drawn into the scammer’s web of lies, highlighting the psychological manipulation techniques used by scammers.

The psychology of Charlotte’s scam

The scam taps into Charlotte’s deep-seated fears for her family’s well-being, initially hooking her attention. The scammer then isolates her by insisting she communicate with no one else, effectively cutting off potential sources of support or reality checks. The sense of urgency is escalated as the scammer pressures her to act swiftly and forego any form of verification.  

The scam preyed on her trust in authority figures and her desire to resolve the fabricated crisis, leading her to make decisions that, in hindsight, seem totally irrational.

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The lessons for all of us

Her account sheds light on how scammers use fear, urgency and isolation to exploit even the financially knowledgeable, underscoring the critical need for vigilance and skepticism toward unexpected requests for personal information or money.

More alarming are recent stats that younger adults that fall into the Gen Z, Gen X and millennial groups are 34% more likely to report getting ripped off by fraud, according to the FTC. 

To enhance your protection against elaborate scams and identity theft, consider these strategies:

Cash and the word “fraud” written on a pad of paper  (Kurt “CyberGuy” Knutsson)

MORE: HOW TO PROTECT YOURSELF FROM VENMO, ZELLE AND CASH APP SCAM THAT CAN WIPE OUT YOUR SAVINGS IN SECONDS  

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How to make yourself strong to help fend off scams and attacks

Here are four tips that can help you protect your identity, your data and your devices from online fraudsters and hackers. By following these steps, you can increase your security and confidence when dealing with online transactions and communications.

Tip No. 1 — Verify unexpected contacts 

If you receive an unexpected text, email or call involving financial transactions of any sort, independently verify they are legit.

Tip No 2 — Make yourself resilient from online malware and attacks with strong antivirus protection 

Equip all your connected devices with robust antivirus software to defend against malware, ransomware and other cyberthreats that could compromise your personal and financial information.

Having good antivirus software actively running on your devices will alert you of any malware in your system, warn you against clicking on any malicious links in phishing emails and ultimately protect you from being hacked. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

These proactive measures can significantly lower your risk of falling victim to sophisticated scams by limiting access to your personal information and enhancing your ability to respond quickly to potential threats.

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Tip No. 3 — Remove your personal information from the internet 

Today’s scammers are crafty and take advantage of any personal details they can learn about you.  Data removal services can make it tougher for them to find intimate details about you.

While no service promises to remove all your data from the internet, having a data removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time. Check out my top picks for removal services here. 

On your own, you should take the time to make all your social media posts private or only accessible to friends and family to keep strangers from harvesting personal details about your life.

Tip No. 4 — Use identity protection services to know when your identity is being stolen 

Theft protection companies can monitor personal information like your home title, Social Security Number, phone number and email address and alert you if it is being used to open an account. They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals. Read more of my review of best identity theft protection services here.

MORE: PROTECT YOUR BACON: THE RISE OF PIG BUTCHERING SCAMS AND HOW TO AVOID THEM  

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Kurt’s key takeaways

The story of Charlotte Cowles is a sobering reminder of how vulnerable we all are to online fraud, especially in times of stress and uncertainty. Scammers are constantly evolving their tactics and targeting new victims, regardless of their age, education or income level. No one is immune to the power of fear, isolation and urgency that scammers use to manipulate us into giving away our money or personal information.

The best way to protect ourselves and our loved ones from these scams is to be aware, alert and skeptical of any unsolicited or suspicious contact, whether it is by phone, email, text or social media. We should also take steps to safeguard our personal information online, such as antivirus protection, identity protection services and removing our data from public databases. By doing so, we can reduce the chances of becoming a victim of fraud and identity theft.

Have you ever been a victim of a scam or attempted scam? How did it happen, and how did you deal with it? Let us know by writing us at Cyberguy.com/Contact

For more of my tech tips and security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter

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Copyright 2024 CyberGuy.com.  All rights reserved.

Technology

The latest iPad Air is $400 for the first time and arrives by Christmas

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The latest iPad Air is 0 for the first time and arrives by Christmas

If you have $400 and want an iPad, your options are usually kind of limited to either just the base iPad, or better yet, the latest iPad Mini — if it happens to be on sale when you’re shopping (it is now, but that’s not always the case). But right now, you should consider getting the 128GB version of Apple’s 11-inch iPad Air with the capable M3 processor. At Target, multiple colors of this model are $399.99, beating the previous low of $449.99 we’ve seen during large-scale deal events. Currently, no other retailer is matching this price. This sale ends Saturday night.

$400 is a sweet price for this model, as it debuted in early 2025 for $600. In terms of how it stacks up to other iPad models, Verge editor-at-large David Pierce said in his impressions that the M3 Air is “exactly what you think it is. Which is fine.” I know, that sounds like a back-handed compliment, but it’s been a while since iPads peaked in terms of utility, design, and fast performance. This one carries the torch in Apple’s tablet dominance, and its M3 processor means it’ll be a fantastic tablet for longer than any other iPad at the $400 price point. Read our in-depth impressions.

Other Verge-approved deals

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Technology

Facebook settlement scam emails to avoid now

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Facebook settlement scam emails to avoid now

NEWYou can now listen to Fox News articles!

Millions of Facebook users filed claims in a recent privacy settlement after the platform was accused of mishandling user data. The approved payouts have been rolling out, which means people are watching their inboxes for updates. Scammers know this and are sending look-alike emails that push you to click a “Redeem Virtual Card” button. Arlene B emailed us to share what landed in her inbox.

“I received an email stating that it was from (Facebook User Privacy Settlement Administrator) and that I needed to click on the button below to “Redeem Virtual Card.” Do you know if this is a scam or not?”

Her question shows how convincing these fake messages appear. A real settlement did happen, and people have been getting payments. Still, criminals are now piggybacking on the rollout with messages that look official but lead to dangerous sites that steal your information. Let’s walk through how to tell real emails from fake ones.

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NEW SCAM SENDS FAKE MICROSOFT 365 LOGIN PAGES

Scammers send fake settlement emails that mimic the real payout notices to trick you into clicking. (Kurt “CyberGuy” Knutsson)

How to check if your Facebook settlement email is legitimate

Scammers rely on confusion and urgency. These steps help you confirm the message before you click anything.

Confirm the sender’s address

Real settlement emails come from facebookuserprivacysettlement@notifications.kroll.com. Kroll is the official administrator.

Look for your claimant ID

Real notices include your unique claimant ID and reference the claim you filed last year. Fake emails skip this personalized detail.

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Check where the link leads

Real payout links go to DigitalPay / Veritas or domains tied to krollsettlementadministration. If the link points to a strange or shortened URL, it is likely unsafe.

Watch for common red flags

Pressure to act right away. Clumsy wording or spelling mistakes. A button that goes to a suspicious URL. You never filed a claim in the first place. Any sender address that is not the official Kroll domain.

Remember that you are not required to click anything

If your claim was approved, you have already received a legitimate notice. Emails that say you must “redeem” again or “confirm” payment are signs of a scam.

GEEK SQUAD SCAM EMAIL: HOW TO SPOT AND STOP IT

A quick hover over the “Redeem Virtual Card” button often reveals a suspicious link that gives the scam away. (Kurt “CyberGuy” Knutsson)

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Why scammers target large settlements

Whenever a major payout occurs, criminals blend in with legitimate messages because people expect money and may open emails quickly. When fake notices look similar to real ones, it only takes one careless click for scammers to grab your data.

DON’T FALL FOR FAKE SETTLEMENT SITES THAT STEAL YOUR DATA

A person logging onto Facebook (Kurt “CyberGuy” Knutsson)

Ways to stay safe from settlement scams

Use these simple habits to protect yourself from Facebook settlement scams and any future payout scam.

1) Verify the sender every time

Look at the full address. Scammers often change one character in hopes you will not notice.

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2) Hover over links before tapping

Check the destination without clicking. A strange URL is your warning sign.

3) Never share sensitive information through email

Real administrators do not ask for banking info or logins.

4) Use a data removal service

Data brokers often collect your email address, phone number and other personal details that scammers use to target victims. A data removal service can pull you out of those databases, which reduces the amount of scam email that reaches you in the first place.

While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

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Get a free scan to find out if your personal information is already out on the web: Cyberguy.com.

5) Go directly to the official settlement site

Type in the address yourself instead of using a link from an email.

6) Use strong antivirus software 

Good security software blocks dangerous links and pages. The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have strong antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.

Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.

7) Delete emails that push urgency

Scammers want fast reactions. Slow down and confirm details. 

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Kurt’s key takeaways 

The Facebook settlement payout created the perfect moment for scammers to slip fake messages into inboxes. Once you know the signs, it becomes much easier to separate real notices from dangerous ones. Stay alert, trust your instincts and verify before you click.

Would you open a payout email if you were not expecting money in the first place? Let us know by writing to us at Cyberguy.com.

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Get my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM newsletter. 

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Copyright 2025 CyberGuy.com. All rights reserved.

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Technology

The first Dolby FlexConnect soundbar is coming from LG

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The first Dolby FlexConnect soundbar is coming from LG

Dolby Atmos FlexConnect technology debuted this year with the TCL Z100 speakers, and now we’re getting our first FlexConnect soundbar thanks to LG. The new H7 soundbar — which runs on the same Alpha 11 Gen 3 chip as LG’s OLEDs and new Micro RGB LED — is a part of the LG Sound Suite, a modular home audio system the company will debut at CES 2026. In addition to the soundbar, the Sound Suite will include the M5 and M7 surround speakers and the W7 subwoofer. All of the speakers feature Peerless Audio components.

The two main drawbacks of TCL’s Dolby FlexConnect implementation were the limitation of only allowing four connected speakers, including a sub, and the need for a 2025 QM series TCL TV. So you needed to pick between better sound coverage with a fourth speaker or more bass performance with a sub. LG’s Sound Suite, on the other hand, will allow you to connect the soundbar with up to four surround speakers and a subwoofer for a potential 13.1.7-channel system.

And while the speakers can be used with a compatible LG TV (including the 2026 premium LG TV lineup and 2025’s C5 and G5 OLEDs), it isn’t required. It’s possible to use the H7 soundbar with any TV — or without — and have it act as what’s called the lead device to connect the surround speakers and sub. LG says there are 27 different speaker configurations possible, from using two speakers as a stereo pair up to the full system with soundbar, surrounds, and sub.

In my experience with the TCL Z100, calibrating FlexConnect speakers to your space is also fast. Once they’re in place and plugged in, a short musical clip is played for a few seconds and then setup is complete. The system is able to know where the speakers are placed and how to optimize the surround and Atmos sound for your room. With other room correction software, the process can take much longer, requiring taking sound readings from multiple locations in the room.

LG is using ultra-wideband technology to adjust the sweet spot based on your listening position that it’s calling Sound Follow. What will be interesting to see with the LG Sound Suite’s Dolby FlexConnect implementation is how customizable it is after setup (for instance, adjusting subwoofer levels).

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I’ll be hearing the system at CES and plan on reviewing the system when it’s available to see how well the technology translates into a home.

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