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Think you're safe? Identity theft could wipe out your entire life’s savings

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Think you're safe? Identity theft could wipe out your entire life’s savings

Identity theft has become a pervasive issue, affecting millions of Americans each year. In 2023 alone, American adults lost a staggering $43 billion to identity fraud. The following story illustrates the devastating impact this crime can have on individuals:

Paula Disberry, a former Colgate-Palmolive employee, was living a comfortable life when she discovered that her 401(k) account had been drained of $750,000. The shock came when she tried to access her account online, only to find it blocked. 

A fraudster had impersonated her, changing her contact details and withdrawing her entire retirement savings in a single transaction. Stories like this of financial identity theft are becoming all too common. If you live in the U.S., you’ve likely already encountered one, or worse, experienced it firsthand.

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Illustration of a scammer at work (Kurt “CyberGuy” Knutsson)

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Think identity theft won’t happen to you? Think again

The FBI’s Internet Crime Report for 2023 reveals that adults 60 and above accounted for 24.08% of all identity theft claims and suffered 41.46% of the total financial losses. While they may not face a higher risk of becoming victims, the financial toll is significantly greater than any other age group. Older adults, especially those over 60, often feel the impact more deeply. Why? They typically have more assets than younger individuals and are less likely to monitor their bank accounts daily.

Illustration of a scammer at work (Kurt “CyberGuy” Knutsson)

DON’T GET CAUGHT IN THE ‘APPLE ID SUSPENDED’ PHISHING SCAM

An age-old scam with a high-tech makeover

Identity theft has been a concern for centuries, with one of the most famous historical impostors being Frank Abagnale Jr. Abagnale claims to have successfully impersonated various professionals in the 1960s, including a Pan Am pilot and a doctor, forging checks and documents to amass a small fortune. His alleged exploits were so notorious that they inspired the film “Catch Me If You Can.”

While Abagnale’s story is a dramatic example, modern identity theft has evolved into a more pervasive threat, particularly with the rise of digital technology. The widespread availability of personal information on the web, combined with a lack of regulation preventing companies from collecting data without consent, has made it easier for criminals to exploit personal data. The scale is massive, and the impact can severely disrupt your life and that of your family.

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KURT’S PICK FOR REMOVING YOUR PERSONAL DATA FROM THE INTERNET

A woman working on her laptop (Kurt “CyberGuy” Knutsson)

YOUR EMAIL DIDN’T EXPIRE, IT’S JUST ANOTHER SNEAKY SCAM

Red flags to look out for

Being aware of the warning signs of identity theft can help you take action before it’s too late. Here are some red flags to watch for.

Unexplained account activity: Keep an eye out for unfamiliar transactions or changes in your bank or credit card statements that you don’t recognize.

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Credit report changes: Regularly check your credit report for new accounts that you did not open or inquiries from lenders that you did not initiate.

Missing mail or bills: If you stop receiving bills or other important mail, it could indicate that someone has changed your address without your knowledge.

Unexpected denials: If you’re denied credit unexpectedly, it might be a sign that someone is using your information to apply for loans or credit cards.

Strange communication: Be cautious of emails, texts or calls asking for personal information, especially if they create a sense of urgency or fear.

Unusual password changes: If you notice changes to your online accounts that you did not make, such as password resets or security questions being altered, act quickly to secure your accounts.

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Alerts from identity theft protection services: If you use an identity theft protection service and receive alerts about suspicious activity, investigate immediately.

WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

Strengthen your defenses now

Identity theft doesn’t have to be a devastating blow. You can significantly reduce your risk by being more mindful of your online habits. Here’s how.

1. Monitor your accounts regularly: Keep a close eye on your bank and credit card statements to spot unauthorized transactions early. This can prevent financial losses and protect your assets.

2. Use strong passwords: Use complex passwords and a password manager to secure your online accounts. Strong passwords are your first line of defense against cyber threats.

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3. Stop oversharing: Limit the personal information you share on social media and other platforms. It’s a treasure trove for cybercriminals who use it to craft convincing fraud campaigns targeted specifically at you.

4. Invest in personal data removal services: Given the alarming rise in identity theft cases, taking proactive measures to safeguard your personal information is essential. One effective strategy is to invest in personal data removal services. hile no service promises to remove all your data from the internet, having a 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 data removal services here. 

5. Freeze your credit: Initiate a credit freeze on your credit file with all three major credit bureaus. This restricts access to your credit records, making it difficult for identity thieves to open new accounts in your name.

6. Use an identity theft protection service: Identity theft companies can monitor personal information like your Social Security number, 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. 

7. Use two-factor authentication: Enable this extra layer of security on your accounts to make it more difficult for thieves to access your information, even if they obtain your password.

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8. Be cautious with public Wi-Fi: Avoid using public Wi-Fi for sensitive transactions or use a VPN to encrypt your online activity. Using a VPN (virtual private network) service can enhance your privacy by encrypting your internet traffic, making it harder for hackers and third parties to intercept your data, especially on public Wi-Fi. A VPN masks your IP address, helping to obscure your location and online activity. While VPNs don’t directly prevent phishing emails, they reduce the exposure of your browsing habits to trackers that may use this data maliciously. With a VPN, you can securely access your email accounts from anywhere, even in areas with restrictive internet policies. For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android and iOS devices.

9. Shred sensitive documents: Regularly shred financial documents, credit offers and other paperwork containing personal information before disposing of them.

10. Set up bank alerts: Many financial institutions offer text or email alerts for transactions on your accounts, helping you quickly spot unauthorized activity.

11. Have strong antivirus software: The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have 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 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

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12. Keep software updated: Ensure your devices and antivirus software are up to date. Regular updates often include security patches that protect against vulnerabilities that scammers might exploit. Keeping your software current is a critical step in safeguarding your digital assets.

IS JUST READING THAT SKETCHY SCAMMER’S EMAIL DANGEROUS, OR DO I HAVE TO CLICK ON A LINK TO GET IN TROUBLE?

Kurt’s key takeaways

While the statistics are sobering, they don’t have to leave you feeling helpless. Identity theft is a serious threat, but with awareness and proactive steps, you can significantly reduce your risk. Remember, criminals are constantly evolving their tactics, which means we must stay one step ahead. The most powerful weapon against identity theft is knowledge. Understanding how these scams work, recognizing potential red flags and taking preventive measures can make all the difference.

Do you believe that governments should impose stricter regulations on how companies collect and use personal data to better protect consumers? Let us know by writing us at Cyberguy.com/Contact.

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Copyright 2024 CyberGuy.com. All rights reserved.

Technology

Plaud updates the NotePin with a button

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Plaud updates the NotePin with a button

Plaud has updated its compact NotePin AI recorder. The new NotePin S is almost identical to the original, except for one major difference: a button. It’s joined by a new Plaud Desktop app for recording audio in online meetings, which is free to owners of any Plaud Note or NotePin.

The NotePin S has the same FitBit-esque design as the 2024 original and ships with a lanyard, wristband, clip, and magnetic pin, so you can wear it just about any way you please — now all included in the box, whereas before the lanyard and wristband were sold separately.

It’s about the same size as the NotePin, comes in the same colors (black, purple, or silver), offers similar battery life, and still supports Apple Find My. Like the NotePin, it records audio and generates transcriptions and summaries, whether those are meeting notes, action points, or reminders.

But now it has a button. Whereas the first NotePin used haptic controls, relying on a long squeeze to start recording, with a short buzz to let you know it worked, the S switches to something simpler. A long press of the button starts recording, a short tap adds highlight markers. Plaud’s explanation for the change is simple: buttons are less ambiguous, so you’ll always know you’ve successfully pressed it and started recording, whereas original NotePin users complained they sometimes failed to record because they hadn’t squeezed just right.

AI recorders like this live or die by ease of use, so removing a little friction gives Plaud better odds of survival.

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Alongside the NotePin S, Plaud is launching a new Mac and PC application for recording the audio from online meetings. Plaud Desktop runs in the background and activates whenever it detects calls from apps including Zoom, Meet, and Teams, recording both system audio and from your microphone. You can set it to either record meetings automatically or require manual activation, and unlike some alternatives it doesn’t create a bot that joins the call with you.

Recordings and notes are synced with those from Plaud’s line of hardware recorders, with the same models used for transcription and generation, creating a “seamless” library of audio from your meetings, both online and off.

Plaud Desktop is available now and is free to anyone who already owns a Plaud Note or NotePin device. The new NotePin S is also available today, for $179 — $20 more than the original, which Plaud says will now be phased out.

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OpenAI admits AI browsers face unsolvable prompt attacks

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OpenAI admits AI browsers face unsolvable prompt attacks

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Cybercriminals don’t always need malware or exploits to break into systems anymore. Sometimes, they just need the right words in the right place. OpenAI is now openly acknowledging that reality. The company says prompt injection attacks against artificial intelligence (AI)-powered browsers are not a bug that can be fully patched, but a long-term risk that comes with letting AI agents roam the open web. This raises uncomfortable questions about how safe these tools really are, especially as they gain more autonomy and access to your data.

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NEW MALWARE CAN READ YOUR CHATS AND STEAL YOUR MONEY

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AI-powered browsers can read and act on web content, which also makes them vulnerable to hidden instructions attackers can slip into pages or documents. (Kurt “CyberGuy” Knutsson)

Why prompt injection isn’t going away

In a recent blog post, OpenAI admitted that prompt injection attacks are unlikely to ever be completely eliminated. Prompt injection works by hiding instructions inside web pages, documents or emails in ways that humans don’t notice, but AI agents do. Once the AI reads that content, it can be tricked into following malicious instructions.

OpenAI compared this problem to scams and social engineering. You can reduce them, but you can’t make them disappear. The company also acknowledged that “agent mode” in its ChatGPT Atlas browser increases risk because it expands the attack surface. The more an AI can do on your behalf, the more damage it can cause when something goes wrong.

OpenAI launched the ChatGPT Atlas browser in October, and security researchers immediately started testing its limits. Within hours, demos appeared showing that a few carefully placed words inside a Google Doc could influence how the browser behaved. That same day, Brave published its own warning, explaining that indirect prompt injection is a structural problem for AI-powered browsers, including tools like Perplexity’s Comet.

This isn’t just OpenAI’s problem. Earlier this month, the National Cyber Security Centre in the U.K. warned that prompt injection attacks against generative AI systems may never be fully mitigated.

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FAKE AI CHAT RESULTS ARE SPREADING DANGEROUS MAC MALWARE

Prompt injection attacks exploit trust at scale, allowing malicious instructions to influence what an AI agent does without the user ever seeing it.  (Kurt “CyberGuy” Knutsson)

The risk trade-off with AI browsers

OpenAI says it views prompt injection as a long-term security challenge that requires constant pressure, not a one-time fix. Its approach relies on faster patch cycles, continuous testing, and layered defenses. That puts it broadly in line with rivals like Anthropic and Google, which have both argued that agentic systems need architectural controls and ongoing stress testing.

Where OpenAI is taking a different approach is with something it calls an “LLM-based automated attacker.” In simple terms, OpenAI trained an AI to act like a hacker. Using reinforcement learning, this attacker bot looks for ways to sneak malicious instructions into an AI agent’s workflow.

The bot runs attacks in simulation first. It predicts how the target AI would reason, what steps it would take and where it might fail. Based on that feedback, it refines the attack and tries again. Because this system has insight into the AI’s internal decision-making, OpenAI believes it can surface weaknesses faster than real-world attackers.

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Even with these defenses, AI browsers aren’t safe. They combine two things attackers love: autonomy and access. Unlike regular browsers, they don’t just display information, but also read emails, scan documents, click links and take actions on your behalf. That means a single malicious prompt hidden in a webpage, document or message can influence what the AI does without you ever seeing it. Even when safeguards are in place, these agents operate by trusting content at scale, and that trust can be manipulated.

THIRD-PARTY BREACH EXPOSES CHATGPT ACCOUNT DETAILS

As AI browsers gain more autonomy and access to personal data, limiting permissions and keeping human confirmation in the loop becomes critical for safety. (Kurt “CyberGuy” Knutsson)

7 steps you can take to reduce risk with AI browsers

You may not be able to eliminate prompt injection attacks, but you can significantly limit their impact by changing how you use AI tools.

1) Limit what the AI browser can access

Only give an AI browser access to what it absolutely needs. Avoid connecting your primary email account, cloud storage or payment methods unless there’s a clear reason. The more data an AI can see, the more valuable it becomes to attackers. Limiting access reduces the blast radius if something goes wrong.

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2) Require confirmation for every sensitive action

Never allow an AI browser to send emails, make purchases or modify account settings without asking you first. Confirmation breaks long attack chains and gives you a moment to spot suspicious behavior. Many prompt injection attacks rely on the AI acting quietly in the background without user review.

3) Use a password manager for all accounts

A password manager ensures every account has a unique, strong password. If an AI browser or malicious page leaks one credential, attackers can’t reuse it elsewhere. Many password managers also refuse to autofill on unfamiliar or suspicious sites, which can alert you that something isn’t right before you manually enter anything.

Next, see if your email has been exposed in past breaches. Our #1 password manager (see Cyberguy.com) pick includes a built-in breach scanner that checks whether your email address or passwords have appeared in known leaks. If you discover a match, immediately change any reused passwords and secure those accounts with new, unique credentials.

Check out the best expert-reviewed password managers of 2025 at Cyberguy.com

4) Run strong antivirus software on your device

Even if an attack starts inside the browser, antivirus software can still detect suspicious scripts, unauthorized system changes or malicious network activity. Strong antivirus software focuses on behavior, not just files, which is critical when dealing with AI-driven or script-based attacks.

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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 & iOS devices at Cyberguy.com

5) Avoid broad or open-ended instructions

Telling an AI browser to “handle whatever is needed” gives attackers room to manipulate it through hidden prompts. Be specific about what the AI is allowed to do and what it should never do. Narrow instructions make it harder for malicious content to influence the agent.

6) Be careful with AI summaries and automated scans

When an AI browser scans emails, documents or web pages for you, remember that hidden instructions can live inside that content. Treat AI-generated actions as drafts or suggestions, not final decisions. Review anything the AI plans to act on before approving it.

7) Keep your browser, AI tools and operating system updated

Security fixes for AI browsers evolve quickly as new attack techniques emerge. Delaying updates leaves known weaknesses open longer than necessary. Turning on automatic updates ensures you get protection as soon as they’re available, even if you miss the announcement.

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Kurt’s key takeaway

There’s been a meteoric rise in AI browsers. We’re now seeing them from major tech companies, including OpenAI’s Atlas, The Browser Company’s Dia, and Perplexity’s Comet. Even existing browsers like Chrome and Edge are pushing hard to add AI and agentic features into their current infrastructure. While these browsers can be useful, the technology is still early. It’s best not to fall for the hype and to wait for it to mature.

Do you think AI browsers are worth the risk today, or are they moving faster than security can keep up? Let us know by writing to us at Cyberguy.com

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Copyright 2025 CyberGuy.com.  All rights reserved.

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Surprise, surprise: Silksong wins Steam’s Game of the Year

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Surprise, surprise: Silksong wins Steam’s Game of the Year

Valve has announced the winners of the 2025 Steam Awards and, unsurprisingly, Hollow Knight: Silksong, took home the Game of the Year honors. It was also given the “Best Game You Suck At” award, which, I’m not sure if that’s a good thing or not. Given the relentless fawning over Silksong since its release in September, an event that nearly brought the entire digital video game distribution system to its knees, that it would win Game of the Year felt like something of a forgone conclusion.

The Best Game on Steam Deck was awarded to Hades II (an award we’d already unofficially granted it). The mechanics of Hades lend it to being played in short bursts, and the stylized graphics scale down well. Silent Hill f won the Outstanding Visual Style award and, while there’s no denying it’s a gorgeous title, I can’t help but feel like Dream BBQ, with its uniquely hallucinatory visuals, got robbed. Check out the full list of winners and nominees here at the Steam Awards 2025 landing page.

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