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Beware of fraudsters posing as government officials trying to steal your cash

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Beware of fraudsters posing as government officials trying to steal your cash

Impersonation scams are often used by scammers to steal your hard-earned money, and their latest trick involves posing as government officials. The U.S. Cybersecurity and Infrastructure Security Agency (CISA) has issued a warning that scammers are trying to impersonate its officials and ask people to wire money, send cash, use cryptocurrency or purchase gift cards.

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A woman about to answer an unknown call (Kurt “CyberGuy” Knutsson)

What you need to know about scammers impersonating the government

In a notice on its site, CISA has warned Americans that phone scammers have begun impersonating the agency online. CISA is a part of the U.S. Department of Homeland Security. It is responsible for maintaining the security, resilience and reliability of the nation’s cyber and physical infrastructure.

“Impersonation scams are on the rise and often use the names and titles of government employees. The Cybersecurity and Infrastructure Security Agency (CISA) is aware of recent impersonation scammers claiming to represent the agency,” CISA said in the notice.

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“As a reminder, although CISA staff will occasionally contact organizations with important notifications, CISA staff will never contact you with a request to wire money, cash, cryptocurrency, or use gift cards and will never instruct you to keep the discussion secret,” the agency added.

Scammers often claim to represent a company or organization when they try to scam you over a call – remember the famous Microsoft customer support calls? However, it becomes more effective when they claim to represent a government.

CISA advises you to hang up immediately when scammers ask for money and note their number. You can validate the contact by calling CISA at 844-SAY-CISA (844-729-2472) or report it to law enforcement.

CISA is not the only agency being impersonated by scammers. Government agencies like the CIA and FTC are also frequently targeted. A recent example involves Charlotte Cowles, a financial advice columnist, who was scammed out of $50,000 by people posing as government officials. She shared her experience to help others from being scammed.

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Beware of fraudsters posing as government officials trying to steal your cash

A person about to answer an unknown call (Kurt “CyberGuy” Knutsson)

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What is the impact of impersonation scams?

Impersonation scams have led to huge monetary losses. Americans lost over a billion dollars to scammers impersonating businesses or government agencies in 2023, the Federal Trade Commission said in April.

The FBI’s IC3 reports suggest these scammers mainly targeted older Americans, stealing $589.8 million from individuals over 60 in tech support scams and $179.6 million by impersonating the government.

Beware of fraudsters posing as government officials trying to steal your cash

A man about to give out financial information over the phone (Kurt “CyberGuy” Knutsson)

6 ways to avoid impersonation scams

You can avoid impersonation scams by being careful and following some of the tips I’ve listed below.

1) Stay updated: The first step in protecting yourself from government impersonation fraud is simply being educated about it. Keep yourself updated about these scams and other scams – by reading the news and subscribing to sites like CyberGuy and my free CyberGuy report newsletter here.

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2) Never send money: Government agencies will never ask you to wire money or use gift cards, cryptocurrency or payment apps for payment. Scammers insist on these methods because the money is hard to track and even harder to recover.

3) Remove your personal information from the web: Your personal information is out on the web, and scammers use it to scam you. If you want to make your personal information inaccessible, you might want to look into data removal services. While 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.

4) Don’t trust your caller ID: Your caller ID might show the government agency’s real phone number or name, like “Social Security Administration.” But caller ID can be faked. It could be anyone calling from anywhere in the world.

5) Invest in identity theft monitoring services: 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.

6) Avoid unknown links and downloads: Do not click on links or download attachments from unknown sources, as they may contain malware. The best way to protect yourself from clicking malicious links that install malware that may get access to your private information is to have strong antivirus protection installed on all your devices. This can also alert you of any phishing emails or 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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Kurt’s key takeaway

Scammers pretending to be from government agencies are really concerning because it’s easy to believe them and end up giving away your money. If you get a call like this, stay calm and don’t transfer any money. Hang up, check if the number is real, and if you’re unsure, report it to law enforcement. The government should also do a better job of telling people about these phishing scams and what to do or not do.

Have you ever received a call from someone claiming to be a government official? How did you handle 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.

Ask Kurt a question or let us know what stories you’d like us to cover.

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Copyright 2024 CyberGuy.com. All rights reserved.

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Technology

The new Ford Expedition adds Android Automotive and half of the Lincoln’s panoramic screen

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The new Ford Expedition adds Android Automotive and half of the Lincoln’s panoramic screen

The new Expedition, which is first being teased with a drone light show today in Texas, looks like it has only the left half of the Lincoln’s 48-inch pillar-to-pillar panoramic display, leaving behind just a 24-inch panel for the Expedition.

You’re getting the same instrument cluster and navigation combo in front of the driver’s seat, but without the widgets that feature on the right half of the Lincoln’s extended screen. The Expedition’s smaller center touchscreen that lives below it also runs Google Play Store apps, operates Apple CarPlay, and has digital HVAC controls, just like the Lincoln. The car also offers both Google Assistant and Alexa voice assistants (one at a time), and some models offer BlueCruise hands-free driving.

Left: 2025 Expedition; right: 2025 Navigator.
Image: Ford

Pillar-to-pillar panoramic screens have become a flashy feature manufacturers have trotted out for their most luxurious vehicles recently. They’ve often been pitched as an infotainment hub for the front passenger, letting them watch streaming videos and even play some PlayStation.

Ford is selling a standard-wheelbase Expedition and an extended “Max” one. In the center row, you have options for bench seating or captain chairs; the backs of the first-row headrests have clamps that can hold smartphones or tablets for passengers in the center row. The Expedition can seat up to eight people with the bench option.

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At first glance, the Expedition seems like a copy of the new Lincoln Navigator with its split rear gate, the addition of a light bar up front, and a similar 3.5-liter V6 engine under the hood. (It’s an “EcoBoost” for the Ford.) A new Tremor trim for the Expedition puts out up to 440 horsepower and has tuned suspension and unique trail modes for more off-road capabilities. Like the Navigator, Ford doesn’t offer a hybrid powertrain option in the Expedition, either.

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The big boys want in on crypto, too

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The big boys want in on crypto, too
Illustration by Alex Castro / The Verge

A little over a year after the collapse of the crypto banks Silvergate and Signature, financial institutions are very interested in crypto. PayPal has used its proprietary stablecoin to pay auditors Ernst & Young LLP, using a hub provided by SAP. Visa “is helping to bridge existing fiat currencies with blockchains” through its Visa Tokenized Asset Platform (VTAP).

A lot has happened since those bank collapses, huh? We have a Bitcoin ETF, we have crypto bros meddling in politics, and a mini boom-and-bust cycle on Bitcoin prices. I have to assume PayPal and Visa got started on this stuff a while ago in order to get it popping now, but I do think it’s curious they are focused on stablecoins.

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Technology

How data brokers are fueling elder fraud in America

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How data brokers are fueling elder fraud in America

Elder fraud is a growing concern in the United States, with criminals increasingly targeting individuals over the age of 60. 

Increasingly, data brokers have been identified as a favored tool among criminals, providing access to personal information that criminals use to improve their scamming schemes.

Elder fraud is a category of crime targeting people over 60. (Kurt “CyberGuy” Knutsson)

Economic loss through scams continues to increase each year

Using data from the FBI for the calendar year 2023, researchers have found that economic losses from scams continue to increase. In addition to financial loss rising over time, scam complaints have risen for the first time since 2020. Americans over the age of 60 lost over $3.4 billion to scams in 2023 alone. They reported more than 101,000 scams, representing a 14.5% increase compared to the 88,000 reports filed in 2022.

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Americans over the age of 60 lost over $3.4 billion to scams in 2023. (Kurt “CyberGuy” Knutsson)

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The states in which scammers stole the most

Residents of Hawaii who were 60 or older lost the most money to scammers in all 50 states, with more than 453 complaints filed and a total of $28 million lost, meaning the average amount lost per scam was $61,000. While Hawaiians were impacted the most, this is due to the state’s smaller population size. When we look at a large-population state such as California, we see more than 11,000 complaints filed, equaling a financial loss of $643 million.

man on laptop

A man working on his laptop (Kurt “CyberGuy” Knutsson)

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Which types of scams occur the most?

Tech support scams occurred the most in 2023. An example of these scams is those pesky phone calls you might receive telling you your iCloud account has been compromised. More than 17,000 tech-support scams were reported in 2023, which is also nearly the same number as reported in 2022. Behind tech-support scams were personal data breaches, which were reported 7,800 times in 2023.

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A man working on his laptop (Kurt “CyberGuy” Knutsson)

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How do data brokers factor into scams?

Researchers found that elder abuse scams were made possible by personal data being available online. This happens largely thanks to data brokers, which are large companies that make money by selling personal information for the purpose of advertising.

So what can you do about it? Invest in personal data removal services. While 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.

Additional tips to protect against elder fraud scams

As elder fraud continues to rise, it’s crucial for seniors and their families to be proactive in safeguarding personal information and recognizing potential scams. Here are some additional actionable strategies to help mitigate the risks.

1. Monitor financial accounts regularly: Set up alerts for any unusual activity on bank accounts and credit cards. Review statements monthly and consider using financial management apps that can help track spending and detect anomalies.

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2. Use strong, unique passwords: Create complex passwords that combine letters, numbers and symbols. Avoid using easily guessable information like birthdays. Consider using a password manager to generate and store complex passwords.

3. Enable two-factor authentication: Two-factor authentication adds an extra layer of security by requiring a second form of verification.

4. Limit sharing personal information: Be cautious about the information you share online and over the phone. Scammers often use social media to gather details about potential victims. Adjust privacy settings on social media accounts to limit who can see your information.

5. Verify before trusting: Always verify the identity of anyone requesting personal or financial information. Use official contact numbers to confirm the legitimacy of the request.

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6. Be skeptical of unsolicited calls, emails or messages: Never click on links or download attachments from unknown or suspicious sources because they may contain malware or phishing attempts. 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

7. Report suspicious activity: If you suspect a scam, report it to local authorities or organizations like the Federal Trade Commission. Early reporting can help prevent others from falling victim to the same scam.

8. Stay connected with family and friends: Regular communication with loved ones can help reduce feelings of isolation, which scammers often exploit. Encourage seniors to stay socially active through community groups, clubs or regular family gatherings. Also, be sure to check out five ways tech can help you feel less alone.

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Kurt’s key takeaways

Data brokers and the entire system of selling personal information for advertising money have contributed to increased scams against all people in the last few decades. Elder Americans, specifically those aged 60 and over, tend to become victims more frequently due to a lack of tech savviness and higher degrees of income. It’s important to be cautious when giving your personal information out online, and we recommend finding a service that can help you keep track of it and remove personal information from the internet.

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Have you noticed an increase in scam attempts targeting you or elderly relatives recently? How have the tactics changed? 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.

Ask Kurt a question or let us know what stories you’d like us to cover.

Follow Kurt on his social channels:

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Answers to the most asked CyberGuy questions:

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Copyright 2024 CyberGuy.com. All rights reserved.

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