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A close call with a Facebook scam that tried to steal credit card info

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A close call with a Facebook scam that tried to steal credit card info

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Have you ever received a suspicious email or pop-up that made your heart race, even for a second? You’re not alone. Online scams are getting more convincing every day, and even the most tech-savvy among us can find ourselves just one click away from trouble.

Phishing is one of the most common ways scammers can access your personal information. Many people fall victim to it every day, which is why this email we received was not surprising.

Just ask “Pamela,” who wrote to us: “I thought I couldn’t be scammed, but I almost was.”

Her story is a reminder that anyone can fall for a well-executed scam. We’ll share what happened to her below, how she caught on just in time, some tips on how to avoid being scammed on Facebook, and how to report it.

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Facebook app (Kurt “CyberGuy” Knutsson)

Facebook scam warning: How Pamela almost fell for a tech support hoax

“I was working on my Facebook and it suddenly had a screen flash and voice that said the computer was locked and I needed to call a number to report the breach. I thought it was Microsoft so I called the number. The guy was good. He gave me a name and employee number and we went through some things on my computer which brought up a screen that said ‘scammers were listening’ and my IP was being used on the Porn Hub. I thought, how could that be? But still, I was obtuse.

“The screen listed what he said were all my credit cards that had been compromised, but only the beginning numbers: 3xxx, 4xxx, 5xxx, etc. He said in order to make a report to the FTC I needed to tell him all of the numbers. I told him I was not going to do that even though he insisted I had to for the ‘report.’ Then he said he would transfer me to the FTC and gave me a number in case we were disconnected. A different guy answered, gave me his name and said he was Andrew Ferguson, head of the FTC.

“I’ve been in politics and business for over 50 years. I looked him up while still on the phone and realized the head of the FTC wouldn’t be answering a support line. When I refused to give him my information, he yelled that my IP was being used on porn sites and didn’t want to stop it. I hung up.

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“I have great virus software on all my devices and use two-step authentication for almost everything – but I still almost fell for it. I’m sharing this story to help others.”

Pamela was fortunate. Her security measures and quick thinking saved her, but these tactics are becoming more common and more aggressive. Here’s what you can do to stay safe.

Beware of pop-up scams that impersonate Microsoft or the FTC

Scammers often use alarming pop-up messages or automated voices claiming your device is compromised, urging you to call a number for help. As described in Pamela’s experience, a pop-up claimed her computer was locked and played a voice message directing her to call what appeared to be a Microsoft support number. The scammer then impersonated both a Microsoft employee and a government official, using fake names and employee numbers, and tried to pressure her into revealing sensitive information.

If you ever receive a pop-up or voice message claiming your device is at risk, do not call the number provided or share any personal information. Instead, contact the organization directly using official contact details from their website. Legitimate companies and government agencies will never ask you to provide sensitive information or credit card numbers over the phone in response to unsolicited pop-ups or calls.

Protect your online accounts with strong, unique passwords

Make sure each of your online accounts has a unique password. This prevents scammers from accessing multiple accounts if one gets compromised. While password generators provide secure passwords, you can also easily create one that’s hard to crack by looking at three random things in the room and using them to form a password. Consider using a password manager for strong, unique passwords. A password manager helps you generate and securely store complex, unique passwords for each of your accounts. This prevents you from reusing passwords and makes it much harder for scammers to access multiple accounts if one is compromised. Get more details about my best expert-reviewed password managers of 2025 here.

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A person using their keyboard (Kurt “CyberGuy” Knutsson)

GOOGLE’S AI UNLEASHES POWERFUL SCAM-BUSTING FEATURES FOR ANDROID

Don’t fall for urgency: How scammers pressure you to act fast

Scammers will create a false sense of urgency to make you act quickly without thinking. Take your time to verify any urgent requests, especially those involving money or personal information. Don’t act on impulse.

Check URLs carefully before you click them, and use strong antivirus software 

Verify links before clicking them, especially if they come from someone who randomly contacted you on the internet. Scammers often use URLs that look similar to legitimate sites, but they typically contain slight misspellings or different domains (e.g., payepal.com or Microsoft.xyz). Also, install and update strong antivirus software.
Protect all your devices, including computers, tablets, and smartphones, with 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 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices.

(Kurt “CyberGuy” Knutsson)

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DON’T CLICK THAT LINK! HOW TO SPOT AND PREVENT PHISHING ATTACKS IN YOUR INBOX

Always update the software you use

Be sure each operating system, browser, and security software you use is updated on your computers and mobile devices. These updates often include patches that fix security vulnerabilities that scammers might exploit.

Be cautious with personal information on social media

Think twice before sharing personal details, such as your birthday, address, or even your pet’s name. Scammers can use information from your social media profiles to guess passwords or craft personalized phishing attacks.

A hacker at work (Kurt “CyberGuy” Knutsson)

HOW HACKERS ARE BREAKING INTO APPLE DEVICES THROUGH AIRPLAY

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Enable multifactor authentication (MFA) on all accounts

Don’t limit MFA to just your main accounts. Enable it wherever possible, including email, social media, and financial services. Multifactor authentication adds an extra step to the login process, making it significantly harder for scammers to gain access, even if they have your password.

Use a personal data removal service to clean up your online footprint

Scammers often scour the internet for your personal information. Using a personal data removal service can help reduce the amount of your sensitive data available online, making it harder for scammers to target you with convincing attacks. 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 here.

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

A man looking at his Facebook account on his laptop and cellphone (Kurt “CyberGuy” Knutsson)

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Regularly review your financial statements and credit reports

Monitor your bank accounts, credit cards, and credit reports for any unusual or unauthorized activity. Early detection is key. If you spot something suspicious, report it immediately to your financial institution and the proper authorities.

Back up your important data regularly

Ransomware and other attacks can lock you out of your files. Regularly back up your important data to an external hard drive or a secure cloud service. This ensures you can recover your information if your device is compromised.

Report online scams to these official authorities

If you encounter a scam, reporting it to the proper authorities can help you recover lost funds and prevent others from falling victim to the same scam. By reporting scams, you contribute to a database that allows law enforcement to track patterns and catch criminals. Places you can report to include the FTC, your local FBI office, the IC3 and your state’s consumer protection office.

Kurt’s key takeaways

Keep in mind that scammers are constantly evolving their tactics. You must always be on guard. Do not rely too heavily on technology to protect you, since there is a psychological aspect to their methods as well. Have a skeptical mindset and trust your instincts. By sharing experiences and staying informed, we strengthen our community’s defense against cybercrime.

What was your scariest encounter with an online scam, and how did you manage to avoid falling for it? Let us know by writing to us at Cyberguy.com/Contact. 

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Copyright 2025 CyberGuy.com. All rights reserved.

Technology

Google’s Nest Thermostat has hit its best price of the year

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Google’s Nest Thermostat has hit its best price of the year

If you’re looking for a relatively affordable way to cut down on cooling costs, Google’s Nest Thermostat can help. It’s packed with smart controls and energy-saving features, and right now it’s on sale in white for $79 ($50 off), which is its best price of the year, at Amazon.

The smart thermostat is quick to install and makes it easy to adjust your home’s temperature whether you’re relaxing in bed or on your way home thanks to the Google Home app. You can also create schedules and control it with your voice using Google Assistant, Alexa, or another Matter-compatible voice assistant.

Once it’s set up, the Nest Thermostat can automatically turn the temperature down when you’re away to help reduce unnecessary energy use, while Google’s Savings Finder feature suggests additional ways to save over time. It also monitors your HVAC system and can alert you if something doesn’t seem right, making it easier to stay on top of maintenance before small issues become bigger, more expensive ones. If you’re eligible, Nest Renew can also automatically shift some of your heating and cooling to times when electricity is cleaner or cheaper.

That said, this is Google’s entry-level model from 2020, so you do miss out on some of the premium features found on the latest Nest Learning Thermostat. Unlike the flagship version, it won’t learn your schedule automatically over time, for example, and lacks support for Nest Temperature Sensors that let you prioritize the temperature in a specific room. Even so, if all you want is an easy way to adjust your home’s temperature remotely and potentially lower your energy bills, the Nest Thermostat is still a solid investment at this price.

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Medical identity theft follows you into the doctor’s office

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Medical identity theft follows you into the doctor’s office

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The Justice Department recently charged 455 people in its annual National Health Care Fraud Takedown. The cases involve more than $6.5 billion in alleged false claims. More state Medicaid units took part than in any prior year. Ninety of the accused are doctors or other licensed medical professionals. The DOJ says prosecutors still must prove the charges in court.

Many schemes used other people’s medical identities. Prosecutors also added aggravated identity theft charges in cases across dozens of states. In one case, the co-owner of a Virginia mental health company allegedly paid homeless people with hotel stays. Prosecutors say the company used their Medicaid numbers, then billed Medicaid for crisis services the patients never got.

For the people whose numbers got used, the case file may eventually close. Their medical records may not be so easy to fix. Once someone else’s treatment shows up under your name, it can add wrong information to your chart. It can also use up insurance benefits you may need later. That is harder to undo than canceling a credit card.

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DR OZ WARNS MEDICARE SCAMMERS ARE STEALING BILLIONS — AND YOUR PERSONAL INFORMATION COULD BE NEXT

Medical identity theft can put someone else’s claims, prescriptions or diagnoses into your health records, creating problems that can follow you into a doctor’s office. (iStock)

The identity thief’s treatment gets written into your file

Medical identity theft happens when someone uses your name, Social Security number (SSN), health insurance account number, or Medicare number to see a doctor, fill a prescription, buy medical equipment, or submit a claim, according to the Federal Trade Commission (FTC).

When care is billed under your name, the thief’s health information can blend into yours. The FTC warns that mixed records can affect the care you’re able to get and the benefits you are able to use. A blood type, a drug allergy, a diagnosis, or a prescription that belongs to a stranger can sit in the file a physician reads before treating you.

Data breaches can feed the market for medical identity theft

Hospitals and insurers hold the exact records that make the fraud work, and those records are stolen often. This does not mean every healthcare breach leads to fraud. However, it explains why your insurance number, Medicare number, SSN and medical records can become valuable long after a breach notice arrives.

This spring, NYC Health + Hospitals reported that an intruder had copied files that may have included health insurance information, medical information, biometric data, billing data and other personal information. The breach was later reported to affect roughly 1.8 million current and former patients and employees.

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Once a name, SSN, insurance number, Medicare number or medical record reaches a criminal marketplace, it can be resold to operators who bill under someone else’s identity.

Treat your insurance card like a credit card

Your health insurance and Medicare numbers are what these operations need, so the FTC recommends guarding them the way you would a payment card.

  • Keep enrollment forms, benefit statements, and prescription labels somewhere secure, and shred them before throwing them out.
  • When a doctor’s office asks for your SSN, ask whether it can use another identifier or the last four digits instead.
  • Be wary of anyone who calls, texts, or emails offering free braces, genetic tests, or medical supplies in exchange for your Medicare number; several of the schemes in the June takedown billed Medicare for exactly those items.
  • If you are on Medicare, create or log in to your secure Medicare account and review your claims. You can also check your Medicare Summary Notice for services, supplies or equipment you do not recognize. If something looks wrong, call 1-800-MEDICARE.

HOSPICE FRAUD USES STOLEN IDENTITIES FOR FAKE PATIENTS

Experts urge patients to treat insurance cards like credit cards and quickly challenge unfamiliar medical bills, claims or benefits notices. (iStock)

Your credit report may never flag this fraud

Because a fraudulent medical claim runs through insurance and provider systems instead of a credit check, it skips the alerts most people rely on.

Here’s what the FTC says you should look out for:

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  • A bill or an Explanation of Benefits (EOB) statement for care you never received
  • A call from a debt collector about a medical debt you do not owe
  • A medical collection you do not recognize on your credit report
  • A notice from your insurer that you have reached your benefit limit
  • A Medicare Summary Notice that lists services, supplies or equipment you never received

What to do first if a medical claim looks wrong

If a bill, EOB or Medicare notice shows care you never received, move quickly and keep everything in writing.

1) Call your insurer or Medicare directly

Call your insurer or Medicare using the number on your card, not a number from a random text, email or voicemail.

2) Get the claim details

Ask for the provider name, date of service, claim number and service details.

3) Request the records in writing

Contact the provider in writing and request the medical or billing records tied to that claim.

4) Report the error

Report the error to your insurer’s fraud department.

5) File an identity theft report

File a report at IdentityTheft.gov if your medical identity was used. That gives you a recovery plan and documentation you may need if fraudulent bills or collections show up later.

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6) Save every document

Keep copies of every bill, EOB, letter, portal message, police report and case number.

Correcting a medical file is slower than disputing a charge

Request your records from every provider, clinic, pharmacy, lab and insurer the thief may have used, then report each error in writing. Under HIPAA, a provider generally has 30 days to give you access to your records after a written request, with a possible 30-day extension.

Fixing the record itself can take longer. HHS says a covered provider or health plan usually has up to 60 days to act on a request to amend a medical record, with a possible 30-day extension in certain cases. If the provider or plan created the wrong information, it must amend inaccurate or incomplete information.

There’s one catch, though: a provider may refuse to release records that now contain a stranger’s information, citing that person’s privacy. If that happens, ask for the provider’s privacy officer or patient advocate. You can also file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights if you do not get your records or an explanation within the required window.

TEXAS DATA BREACH HITS 3M LICENSE CUSTOMERS

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Stolen Medicare, Medicaid or insurance numbers can be used to bill for care, medical equipment or prescriptions patients never received. (kali9/Getty Images)

A credit freeze alone won’t stop a claim under your insurance

A freeze blocks new accounts, but it does nothing about a claim filed with your insurance number. Because medical identity theft can move without touching your credit file, monitoring where your personal information appears is the earliest way to act on it.

An identity theft protection service can monitor the dark web, data broker sites and people-search sites for exposed SSNs, driver’s license numbers, medical ID numbers and email addresses. It can also track all three credit bureaus for medical collections that may follow and flag public-record changes tied to your name.

If misuse happens, some services include fraud resolution support to help you request records, dispute fraudulent claims and work with providers, insurers and credit bureaus. Some plans also include identity theft insurance for eligible recovery costs.

No service can prevent every misuse of your medical identity. However, ongoing monitoring may flag exposed information before another person’s treatment reaches your records and your insurance.

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See my tips and best picks on Best Identity Theft Protection at CyberGuy.com.

Kurt’s key takeaways

Medical identity theft hits in a place most of us rarely check: our health records. A stolen credit card can usually be canceled quickly. A stolen Medicare or insurance number can create fake claims, wrong diagnoses and benefit headaches that follow you long after the fraud case ends. I would not wait for a credit alert here. Check your EOBs, Medicare Summary Notices and insurer portals for visits, prescriptions or equipment you never received. Also, treat your insurance card like a payment card. Do not give the number to anyone who calls, texts or emails out of nowhere with a free offer. The most important thing is to act fast. Call your insurer or Medicare, ask for the claim details and request your medical records in writing. Then file at IdentityTheft.gov, so you have the paperwork you need if fraudulent bills or collections show up later.

Have you ever spotted a medical bill, insurance claim or EOB for care you never received? Let us know by writing to us at CyberGuy.com.

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Copyright 2026 CyberGuy.com. All rights reserved.

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Meta is reportedly working on smart glasses that would be recording all the time

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Meta is reportedly working on smart glasses that would be recording all the time

Meta might be the next company to make an always-on AI wearable. The company is working on prototype “super sensing” always-aware smart glasses that could continuously record audio and snap photos “every few seconds,” according to the Financial Times. The wearer could then ask Meta AI about the captured audio and images.

However, the images and audio might not be directly available to the user. Here’s how the FT describes one way the glasses could use the data:

In one proposed system, raw footage and audio would not be stored by Meta or made available to the user, several people said. Instead, the metadata from that audio and images would be extracted and uploaded to the server for Meta’s AI to query, which proponents argue would have fewer privacy implications.

But currently, Meta is planning for the LED recording indicator to remain off in “super sensing” mode, the FT reports. In a July 2025 whitepaper, the company said that it would reserve the LED indicator for “active capture” scenarios where the user is saving photos or videos, and leave it off during “AI Feature” use — such as scanning a menu — to avoid users becoming too used to the indicator. (If the indicator was on during the “super sensing” mode, it might also be harder to know when the glasses are actually recording video.)

Meta is also discussing if it would use the captured data for training its AI models. It may also bring the “super sensing” features to glasses it has already released, the FT says.

“While we don’t comment on internal prototypes, we’re committed to getting our glasses right because they need to be loved by both people wearing them and those around them,” Meta spokesperson Dave Arnold says in a statement to The Verge. Arnold also notes that “Our approach has been to develop new technologies that will help people throughout their day, with privacy built in from the ground up.”

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Meta hasn’t been shy about some type of always-aware glasses being a possibility. CEO Mark Zuckerberg, in the company’s Q1 2026 earnings call, said that he was “really excited to see the glasses evolve from being able to answer questions to being able to be a personal agent that’s with you all day long, helping you remember things and achieve your goals.” In a March blog post about new Ray-Ban Meta glasses, the company wrote that “with ongoing software updates, Meta AI on glasses will transition from something you have to prompt with a question each time, to a more continuous, in-the-moment assistant that can help throughout the day.”

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