Technology
Don’t fall for this email scam that almost cost an elderly woman $25K
Unfortunately, phishing scams seem to be the new normal.
Most recently, an elderly woman in the tri-state area almost got scammed for $25,000.
According to Patch.com, what began as an average phishing scam turned even more sinister when the scammer turned up at this elderly victim’s house to retrieve money physically.
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Kurt “CyberGuy” Knutsson has a warning about an email scam. (Kurt “CyberGuy” Knutsson)
Geek Squad scammer caught in elaborate phishing scheme
While this Geek Squad scam isn’t new, this scammer took it to new lows and got caught in the process. In this particular scam, scammers send their victims phishing emails pretending to send them a large invoice for their Geek Squad subscription. The email recipients usually panic at the large charge and call the customer service telephone number listed in the scam email and invoice.
The scammer then pretends to be the customer service representative helping to cancel or refund the charge. They’ll usually use that moment as an opportunity to confirm bank account information with the victim to steal their money later. Even if you simply click on their links or download the invoice from the email, there is a potential risk that viruses or malware have been downloaded onto your device.
A woman on her cellphone and laptop. (Kurt “CyberGuy” Knutsson)
MORE: THE ‘UNSUBSCRIBE’ EMAIL SCAM IS TARGETING AMERICANS
Elderly victim foils scammer’s elaborate plot
The elderly victim gave her bank account number and remote access to her computer. The scam, however, doesn’t just stop there. The scammer went a step further and proceeded to convince this elderly woman that they had accidentally refunded a fake $25,000 into her bank account by mistake and that he needed her to withdraw $20,000 in cash initially for him to pick up with arrangements to pick up the remaining $5,000 the following day. This is when the elderly woman called her local authorities. Thankfully, the authorities set up surveillance and apprehended the scammer when he came to collect the $20,000.
Perhaps the elderly victim lucked out that this scammer had an extra level of greed: combining multiple scams into one.
A woman stressed out while on a phone call. (Kurt “CyberGuy” Knutsson)
MORE: 7 EFFECTIVE WAYS TO MAKE YOUR LIFE MORE SECURE AND PRIVATE ONLINE
How do you prevent this scam from happening to you?
Know your subscriptions: The better you know what active subscriptions you currently pay for, the less likely you are to realize such emails are fake.
Organize your invoices: If you’re still receiving emails or physical invoices, keep track of when they usually arrive. Invoices, for better or worse, come regularly and on a consistent schedule. If something shows up in an unusual form (an email instead of a letter in the mail per usual) or at a particular time, you are more likely to stop yourself from falling for this type of scam.
Go to the official website for contact information. If the scammers happen to pick a company that you do subscribe to, it can be even easier to fall for this type of scam. But before clicking any links, downloading any invoices or calling the number listed, you can google the company’s official website and use the contact information there. If the company did indeed send you a bill, they should be able to help you with the refund or confirm whether you were sent legitimate communications.
Watch for language and tone of voice: Most legitimate companies go out of their way to specially train their employees to provide their customers with excellent service. They are trained not to lose their temper, so if you happen to be on a call with a scammer, they often don’t use professional language or have a professional demeanor. If you push back on providing certain information, a real customer service agent wouldn’t make any threats or demands. Providing Social Security numbers or bank account information is usually frowned upon for security reasons by legitimate companies. Legitimate companies typically have other ways to validate your identity and account information. You can always hang up the phone if you get overwhelmed on a call! After all, an honest company doesn’t disappear after one disconnection.
Setup payments electronically: If you have your subscriptions paid electronically on a regular basis, you’ll know that you shouldn’t be receiving an additional invoice for a subscription service. Additionally, if you are paying with a credit card, you can try to use a specific card for all your subscriptions so you know where and when to expect the charges. You’ll also know that certain bank information shouldn’t be relevant to paying an invoice if you get one of these phishing emails. For instance, why is the scammer asking for bank account information when you charge your subscriptions on a credit card, etc.?
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Kurt “CyberGuy” Knutsson shares his caution about an email scam. (Kurt “CyberGuy” Knutsson)
SCAMMERS ARE USING FAKE NEWS, MALICIOUS LINKS TO TARGET YOU IN AN EMOTIONAL FACEBOOK PHISHING TRAP
What to do next if you’ve been scammed?
These scammers could have obtained your email address through various methods, from email harvesting to purchasing it from the dark web; below are some active steps you can take to protect yourself if you feel you have been scammed:
1. Change passwords: For any accounts that might have been accessed or mentioned to or by the scammer, you should log in from a secure, virus- and malware-free device and change your password immediately. It is best to create unique and complex passwords, including letters, symbols and numbers, for each separate online account. If you need help generating and storing complex passwords, consider using a password manager.
2. Keep an eye on all your accounts and credit consistently: Contact the financial institution and explain the situation for all accounts impacted by the potential scammer. They can help you freeze or lock your account, so these scammers have little or no access to your money. Contact the three main credit bureaus to freeze your credit. This will prevent anyone, including hackers, from wreaking havoc on your credit. Make sure to report any errors on your credit reports with the credit agencies. Remember that you are allowed a free annual credit report. If there are too many accounts for you to keep track of regularly, a credit monitoring service can help by constantly monitoring and alerting you of any account changes or problems.
3. Setup alerts for financial accounts: Most financial institutions offer financial alerts or restrictions for all transactions for checking accounts and cards. Do use them so you can be notified of any fraudulent transactions immediately. The faster you can report these charges to your financial institution, the more likely you can stop the scammers in their tracks.
4. Enable two-factor authentication for any account impacted by the phishing scam: This would include your financial accounts and email address. If you have this additional layer of security on, the hacker or scammer would have to send a code to another device or account to gain access, even with your password.
5. Get Identity Theft Protection: While getting an identity theft service seems overkill, many identity theft protection services can help you when your accounts get compromised. They continually monitor the dark web and your financial accounts to see if any crucial personal information like your email addresses or bank account information is compromised or up for sale on the dark web. Getting those alerts immediately allows you to act faster and take the above-mentioned steps. If you have already given out your information to a potential scammer, you should follow these steps to ensure that your identity hasn’t been stolen. See my tips and best picks on how to protect yourself from identity theft.
6. Use strong antivirus software: If you have antivirus software installed on the device where the scam email was received and any links clicked or attachments downloaded, run a scan on that device to identify suspicious software, delete it, and restart your device. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android & iOS devices.
7. Call the local authorities: While you hope never to encounter a scammer like the elderly woman who was victimized, if you feel unsafe and uncertain about how scammers will use your information, definitely reach out to local authorities.
DON’T CLICK THAT LINK! HOW TO SPOT AND PREVENT PHISHING ATTACKS IN YOUR INBOX
Kurt’s key takeaways
While there is little you can do about your digital information swimming around the internet, there are active steps you can take to protect yourself from these types of phishing scams. In the worst-case scenario, there are also ways to prevent further compromise if you fall victim.
Have you been a victim of a phishing scam? How did you find out it was a scam? Let us know by writing us at Cyberguy.com/Contact
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Copyright 2024 CyberGuy.com. All rights reserved.
Technology
Republicans attack ‘woke’ Netflix — and ignore YouTube
When Netflix co-CEO Ted Sarandos entered the Senate office building on Tuesday, he got thrown a curveball. What started as a standard antitrust hearing relating to the Warner Bros. merger quickly devolved into a performative Republican attack about the spread of “woke” ideology on the streaming service. At the same time, arguably a much more influential platform was completely ignored: YouTube.
After grilling Sarandos about residual payments, Sen. Josh Hawley (R-MO) launched into a completely different line of questioning: “Why is it that so much of Netflix content for children promotes a transgender ideology?” Hawley asked, making an unsubstantiated claim that “almost half” of the platform’s children’s content contains so-called “transgender ideology.” The statement harkened to a pressure campaign launched by Elon Musk months ago in which he called on X users to unsubscribe from Netflix for having a “transgender woke agenda,” citing its few shows with trans characters — shows that were canceled years ago.
“Our business intent is to entertain the world,” Sarandos replied. “It is not to have a political agenda.” Still, other Republican lawmakers, including Sens. Ashley Moody (R-FL) and Eric Schmitt (R-MO), piled on, bringing up a post Netflix made following the murder of George Floyd, and the French film Cuties, which sparked a right-wing firestorm years ago. Sen. Ted Cruz (R-TX) even asked Sarandos what he thought about Billie Eilish’s “no one is illegal on stolen land” comment at the Grammys. It seemed like they were grasping at straws to support their narrative that Netflix’s acquisition of Warner Bros. could somehow poison the well of content for viewers.
“My concern is that you don’t share my values or those of many other American parents, and you want the United States government to allow you to become one of the largest — if not the largest — streaming monopolist in the world,” Hawley said. “I think we ought to be concerned about what content you’re promoting.”
While it’s true that Netflix will control a substantial portion of the streaming market when — and or if — it acquires Warner Bros. and its streaming service HBO Max, it’s hard to criticize Netflix without bringing up YouTube.
“YouTube is not just cat videos anymore. YouTube is TV.”
For years now, Netflix has been trying to topple YouTube as the most-watched streaming service. Data from Nielsen says Netflix made up 9 percent of total TV and streaming viewing in the US in December 2025, while Warner Bros. Discovery’s services made up 1.4 percent. Combining the two doesn’t even stack up to YouTube, which held a 12.7 percent share of viewership during that time. “YouTube is not just cat videos anymore,” Sarandos told the subcommittee. “YouTube is TV.”
Unlike Netflix, YouTube is free and has an ever-growing library of user-created content that doesn’t require it to spend billions of dollars in production costs and licensing fees. YouTube doesn’t have to worry about maintaining subscribers, as anyone with access to a web browser or phone can open up and watch YouTube. The setup brings YouTube a constant stream of viewers that it can rope in with a slew of content it can recommend to watch next.
But not all creators on YouTube are striving for quality. As my colleague Mia Sato wrote, YouTube is home to creators who try to feed an algorithm that boosts inflammatory content and attempts to hook viewers, in addition to an array of videos that may be less than ideal for kids.
Like it or not, YouTube is the dominant streamer, with an endless supply of potentially offensive agendas for just about anyone. But for some reason, it’s not the target of this culture war. If these lawmakers actually cared about what their kids are watching, maybe they’d start looking more closely at how YouTube prioritizes content. Or, if they don’t like the shows and movies on Netflix, they could just do what Sarandos suggested during the hearing: unsubscribe.
Technology
Microsoft crosses privacy line few expected
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For years, we’ve been told that encryption is the gold standard for digital privacy. If data is encrypted, it is supposed to be locked away from hackers, companies and governments alike. That assumption just took a hit.
In a federal investigation tied to alleged COVID-19 unemployment fraud in Guam, a U.S. territory where federal law applies, Microsoft confirmed it provided law enforcement with BitLocker recovery keys. Those keys allowed investigators to unlock encrypted data on multiple laptops.
This is one of the clearest public examples to date of Microsoft providing BitLocker recovery keys to authorities as part of a criminal investigation. While the warrant itself may have been lawful, the implications stretch far beyond one investigation. For everyday Americans, this is a clear signal that “encrypted” does not always mean “inaccessible.”
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HACKERS ABUSE GOOGLE CLOUD TO SEND TRUSTED PHISHING EMAILS
In the Guam investigation, Microsoft provided BitLocker recovery keys that allowed law enforcement to unlock encrypted laptops. (David Paul Morris/Bloomberg via Getty Images)
What happened in the Guam BitLocker case?
Federal investigators believed three Windows laptops held evidence tied to an alleged scheme involving pandemic unemployment funds. The devices were protected with BitLocker, Microsoft’s built-in disk encryption tool enabled by default on many modern Windows PCs. BitLocker works by scrambling all data on a hard drive so it cannot be read without a recovery key.
Users can store that key themselves, but Microsoft also encourages backing it up to a Microsoft account for convenience. In this case, that convenience mattered. When served with a valid search warrant, Microsoft provided the recovery keys to investigators. That allowed full access to the data stored on the devices. Microsoft says it receives roughly 20 such requests per year and can only comply when users have chosen to store their keys in the cloud.
We reached out to Microsoft for comment, but did not hear back before our deadline.
How Microsoft was able to unlock encrypted data
According to John Ackerly, CEO and co-founder of Virtru and a former White House technology advisor, the problem is not encryption itself. The real issue is who controls the keys. He begins by explaining how convenience can quietly shift control. “Microsoft commonly recommends that users back up BitLocker recovery keys to a Microsoft account for convenience. That choice means Microsoft may retain the technical ability to unlock a customer’s device. When a third party holds both encrypted data and the keys required to decrypt it, control is no longer exclusive.”
Once a provider has the ability to unlock data, that power rarely stays theoretical. “When systems are built so that providers can be compelled to unlock customer data, lawful access becomes a standing feature. It is important to remember that encryption does not distinguish between authorized and unauthorized access. Any system designed to be unlocked on demand will eventually be unlocked by unintended parties.”
Ackerly then points out that this outcome is not inevitable. Other companies have made different architectural choices. “Other large technology companies have demonstrated that a different approach is possible. Apple has designed systems that limit its own ability to access customer data, even when doing so would ease compliance with government demands. Google offers client-side encryption models that allow users to retain exclusive control of encryption keys. These companies still comply with the law, but when they do not hold the keys, they cannot unlock the data. That is not obstruction. It is a design choice.”
Finally, he argues that Microsoft still has room to change course. “Microsoft has an opportunity to address this by making customer-controlled keys the default and by designing recovery mechanisms that do not place decryption authority in Microsoft’s hands. True personal data sovereignty requires systems that make compelled access technically impossible, not merely contractually discouraged.”
In short, Microsoft could comply because it had the technical ability to do so. That single design decision is what turned encrypted data into accessible data.
“With BitLocker, customers can choose to store their encryption keys locally, in a location inaccessible to Microsoft, or in Microsoft’s consumer cloud services,” a Microsoft spokesperson told CyberGuy in a statement. “We recognize that some customers prefer Microsoft’s cloud storage, so we can help recover their encryption key if needed. While key recovery offers convenience, it also carries a risk of unwanted access, so Microsoft believes customers are in the best position to decide whether to use key escrow and how to manage their keys.”
WHY CLICKING THE WRONG COPILOT LINK COULD PUT YOUR DATA AT RISK
When companies hold encryption keys, lawful requests can unlock far more data than most people expect. (Kurt “CyberGuy” Knutsson)
Why this matters for data privacy
This case has reignited a long-running debate over lawful access versus systemic risk. Ackerly warns that centralized control has a long and troubling history. “We have seen the consequences of this design pattern for more than two decades. From the Equifax breach, which exposed the financial identities of nearly half the U.S. population, to repeated leaks of sensitive communications and health data during the COVID era, the pattern is consistent: centralized systems that retain control over customer data become systemic points of failure. These incidents are not anomalies. They reflect a persistent architectural flaw.”
When companies hold the keys, they become targets. That includes hackers, foreign governments and legal demands from agencies like the FBI. Once a capability exists, it rarely goes unused.
How other tech giants handle encryption differently
Apple has designed systems, such as Advanced Data Protection, where it cannot access certain encrypted user data even when served with government requests. Google offers client-side encryption for some services, primarily in enterprise environments, where encryption keys remain under the customer’s control. These companies still comply with the law, but in those cases, they do not possess the technical means to unlock the data. That distinction matters. As encryption experts often note, you cannot hand over what you do not have.
What we can do to protect our privacy
The good news is that personal privacy is not gone. The bad news is that it now requires intention. Small choices matter more than most people realize. Ackerly says the starting point is understanding control. “The main takeaway for everyday users is simple: if you don’t control your encryption keys, you don’t fully control your data.”
That control begins with knowing where your keys are stored. “The first step is understanding where your encryption keys live. If they’re stored in the cloud with your provider, your data can be accessed without your knowledge.”
Once keys live outside your control, access becomes possible without your consent. That is why the way data is encrypted matters just as much as whether it is encrypted. “Consumers should look for tools and services that encrypt data before it reaches the cloud — that way, it is impossible for your provider to hand over your data. They don’t have the keys.” Defaults are another hidden risk. Many people never change them. “Users should also look to avoid default settings designed for convenience. Default settings matter, and when convenience is the default, most individuals will unknowingly trade control for ease of use.”
When encryption is designed so that even the provider cannot access the data, the balance shifts back to the individual. “When data is encrypted in a way that even the provider can’t access, it stays private — even if a third party comes asking. By holding your own encryption keys, you’re eliminating the possibility of the provider sharing your data.” Ackerly says the lesson is simple but often ignored. “The lesson is straightforward: you cannot outsource responsibility for your sensitive data and assume that third parties will always act in your best interest. Encryption only fulfills its purpose when the data owner is the sole party capable of unlocking it.” Privacy still exists. It just no longer comes by default.
700CREDIT DATA BREACH EXPOSES SSNS OF 5.8M CONSUMERS
Reviewing default security and backup settings can help you keep control of your private data. (Kurt “CyberGuy” Knutsson)
Practical steps you can take today
You do not need to be a security expert to protect your data. A few practical checks can go a long way.
1) Start by checking where your encryption keys live
Many people do not realize that their devices quietly back up recovery keys to the cloud. On a Windows PC, sign in to your Microsoft account and look under device security or recovery key settings. Seeing a BitLocker recovery key listed online means it is stored with Microsoft.
For other encrypted services, such as Apple iCloud backups or Google Drive, open your account security dashboard and review encryption or recovery options. Focus on settings tied to recovery keys, backup encryption, or account-based access. When those keys are linked to an online account, your provider may be able to access them. The goal is simple. Know whether your keys live with you or with a company.
2) Avoid cloud-based key backups unless you truly need them
Cloud backups are designed for convenience, not privacy. If possible, store recovery keys offline. That can mean saving them to a USB drive, printing them and storing them in a safe place, or using encrypted hardware you control. The exact method matters less than who has access. If a company does not have your keys, it cannot be forced to turn them over.
3) Choose services that encrypt data before it reaches the cloud
Not all encryption works the same way, even if companies use similar language. Look for services that advertise end-to-end or client-side encryption, such as Signal for messages, or Apple’s Advanced Data Protection option for iCloud backups. These services encrypt your data on your device before it is uploaded, which means the provider cannot read it or unlock it later. Here is a simple rule of thumb. If a service can reset your password and restore all your data without your involvement, it likely holds the encryption keys. That also means it could be forced to hand over access. When encryption happens on your device first, providers cannot unlock your data because they never had the keys to begin with. That design choice blocks third-party access by default.
4) Review default security settings on every new device
Default settings usually favor convenience. That can mean easier recovery, faster syncing and weaker privacy. Take five minutes after setup and lock down the basics.
iPhone: tighten iCloud and account recovery
Turn on Advanced Data Protection for iCloud (strongest iCloud protection)
- Open Settings
- Tap your name
- Tap iCloud
- Scroll down and tap Advanced Data Protection
- Tap Turn On Advanced Data Protection
- Follow the prompts to set up Account Recovery options, like a Recovery Contact or Recovery Key
Review iCloud Backup
- Open Settings
- Tap your name
- Tap iCloud
- Tap iCloud Backup
- Decide if you want it on or off, based on your privacy comfort level
Strengthen your Apple ID security
- Open Settings
- Tap your name
- Tap Sign-In & Security
- Make sure Two-Factor Authentication (2FA) is turned on and review trusted phone numbers and devices
- Review trusted phone numbers and devices
Android: lock your Google account and backups
Review and control device backup
Settings may vary depending on your Android phone’s manufacturer.
- Open Settings
- Tap Google
- Tap Backup (or All services then Backup)
- Tap Manage backup
- Choose what backs up and confirm which Google account stores it
NEW ANDROID MALWARE CAN EMPTY YOUR BANK ACCOUNT IN SECONDS
Strengthen your screen lock, since it protects the device itself
Settings may vary depending on your Android phone’s manufacturer.
- Open Settings
- Tap Security or Security & privacy
- Set a strong PIN or password
- Turn on biometrics if you want, but keep the PIN strong either way
Secure your Google account
Settings may vary depending on your Android phone’s manufacturer.
- Open Settings
- Tap Google
- Tap Manage your Google Account
- Go to Security
- Turn on 2-Step Verification and review recent security activity
Mac: enable FileVault and review iCloud settings
Turn on FileVault disk encryption
- Click the Apple menu
- Select System Settings
- Click Privacy & Security
- Scroll down and click FileVault
- Click Turn On
- Save your recovery method securely
Review iCloud syncing
- Open System Settings
- Click your name
- Click iCloud
- Review what apps and data types sync
- Turn off anything you do not want stored in the cloud
Windows PC: check BitLocker and where the recovery key is stored
Confirm BitLocker status and settings
- Open Settings
- Go to Privacy & security
- Tap Device encryption or BitLocker (wording varies by device)
Check whether your BitLocker recovery key is stored in your Microsoft account
- Go to your Microsoft account page
- Open Devices
- Select your PC
- Look for Manage recovery keys or a BitLocker recovery key entry
- If you see a key listed online, it means the key is stored with Microsoft. That is why Microsoft was able to provide keys in the Guam case.
If your account can recover everything with a few clicks, a third party might be able to recover it too. Convenience can be helpful, but it can also widen access.
5) Treat convenience features as privacy tradeoffs
Every shortcut comes with a cost. Before enabling a feature that promises easy recovery or quick access, pause and ask one question. If I lose control of this account, who else gains access? If the answer includes a company or third party, decide whether the convenience is worth it.
These steps are not extreme or technical. They are everyday habits. In a world where lawful access can quietly become routine access, small choices now can protect your privacy later.
Strengthen protection beyond encryption
Encryption controls who can access your data, but it does not stop every real-world threat. Once data is exposed, different protections matter.
Strong antivirus software adds device-level protection
Strong antivirus software helps block malware, spyware and credential-stealing attacks that can bypass privacy settings altogether. Even encrypted devices are vulnerable if malicious software gains control before encryption comes into play.
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 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com
An identity theft protection service helps when exposure turns into fraud
If personal data is accessed, sold, or misused, identity protection services can monitor for suspicious activity, alert you early and help lock down accounts before damage spreads. Identity Theft companies can monitor personal information like your Social Security Number (SSN), phone number and email address, and alert you if it is being sold on the dark web or 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.
See my tips and best picks on how to protect yourself from identity theft at Cyberguy.com.
Kurt’s key takeaways
Microsoft’s decision to comply with the BitLocker warrant may have been legal. That doesn’t make it harmless. This case exposes a hard truth about modern encryption. Privacy depends less on the math and more on how systems are built. When companies hold the keys, the risk falls on the rest of us.
Do you trust tech companies to protect your encrypted data, or do you think that responsibility should fall entirely on you? Let us know by writing to us at Cyberguy.com.
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Copyright 2026 CyberGuy.com. All rights reserved.
Technology
Substack data breach exposed users’ emails and phone numbers
Substack is notifying some users that the email addresses and phone numbers linked to their accounts were exposed in a “security incident” last year. In an email to account holders, Substack CEO Chris Best said that a hacker had accessed internal data without authorization in October 2025, but that passwords, credit card numbers, and other financial information remain secure.
“On February 3rd, we identified evidence of a problem with our systems that allowed an unauthorized third party to access limited user data without permission, including email addresses, phone numbers, and other internal metadata,” Best said in the email. “We do not have evidence that this information is being misused, but we encourage you to take extra caution with any emails or text messages you receive that may be suspicious.”
Substack says that it has since fixed the security problem, and is now conducting a full investigation alongside bolstering its systems “to prevent this type of issue from happening in the future.” The platform didn’t provide any details regarding what the security issue was, or how many users have been impacted — myself and several Verge colleagues who also use Substack did not receive the email. We have reached out to Substack for clarification.
“I’m incredibly sorry this happened,” Best said in the email to users. “We take our responsibility to protect your data and your privacy seriously, and we came up short here.”
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