Technology

Don’t fall for fake settlement sites that steal your data

Published

6 months ago

October 14, 2025

Don’t fall for fake settlement sites that steal your data

Cyber expert shares tips to avoid AI phishing scams

Kurt ‘The CyberGuy’ Knutsson shares practical ways to avoid falling victim to AI-generated phishing scams and discusses a report that North Korean agents are posing as I.T. workers to funnel money into the country’s nuclear program.

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Sometimes, data breaches result in more than just free credit monitoring. Recently, Facebook began paying out its $725 million settlement, and AT&T is preparing to distribute $177 million. Those payouts caught scammers’ attention.

Now, fake settlement claim emails and websites are flooding inboxes. They look convincing, but behind the plain design and official-sounding language is a trap for your Social Security number, banking info and more. So how can you make sure you get your money without losing even more in the process?

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TOP 5 OVERPAYMENT SCAMS TO AVOID

Why fake settlement sites are so convincing

Settlement claim websites rarely look polished. Most have generic layouts, long URLs and simple forms asking for a claim ID from your email or postcard. That makes it easy for scammers to mimic them. To test how simple it is, we created a fake settlement site (below) in minutes using AI tools like ChatGPT.

To steal your data, scammers build fake settlement sites that mimic real sites (Kurt “CyberGuy” Knutsson)

If we can do it, you can bet criminals are already exploiting the same shortcuts. Facebook has been the target. A fake site once popped up around the Equifax settlement, tricking thousands before it was shut down. The lesson? If the site appears unusual, it doesn’t necessarily mean it’s fake, but it should prompt you to double-check before entering your details or clicking on any links.

Red flags that expose fake settlement sites

Spotting a scam often comes down to noticing the little details. Watch for these common warning signs before you hand over your information.

Requests for too much personal data

If a site asks for your full Social Security number or the names of your children, stop. For example, the official Equifax settlement only requested the last six digits of SSNs. Genuine claim sites may ask for limited info (like the last four digits of your SSN), but they rarely demand complete Social Security or bank details.

Promises of payout estimates upfront

Real administrators calculate payments only after the claim period closes.

Texts or social media messages

Settlements are announced by mail or email, not through random DMs or SMS.

Fraud can be found with red flags like odd URLs, urgent countdowns, or fee requests (Kurt “CyberGuy” Knutsson)

Odd or misspelled URLs

Even one extra letter in the web address is a sign of a spoof site. Legitimate settlements use official or clearly named administrator domains. Be wary of addresses with unusual add-ons, such as “secure-pay” or “claims-pay.”

Urgent language or countdowns

Scammers rely on urgency to pressure you into acting fast. Real settlement sites don’t demand 24-hour turnarounds.

Processing fee checkboxes

A sure giveaway of a fake. Real settlement administrators never require money to file or to receive your payout.

Cheap trust badges

Scam sites often throw in fake “secure” seals. Look for recognized security seals and make sure they’re clickable and verifiable.

Generic contact info tied to the suspicious domain

Official sites list multiple, verifiable contacts. If the email or phone number matches the weird domain, that’s a red flag.

Grammar or spelling mistakes in the fine print

Sloppy errors in legal-sounding text are a classic sign you’re looking at a scam.

Start with official FTC links or mailed notices to file claims safely (Kurt “CyberGuy” Knutsson)

How to safely handle settlement claim notices

Before filing any claim, follow these steps to ensure you’re dealing with a legitimate settlement site and protecting your information.

1) Start at the FTC

The Federal Trade Commission keeps updated lists of approved class action settlements at ftc.gov/enforcement/refunds. The legitimate links always point to a .gov website. If your email sends you elsewhere, treat it with caution.

2) Cross-check with other resources

Trusted outlets often cover large settlements and include safe links. ClassAction.org is another resource for checking legitimate URLs.

3) Skip the links, use the mail

Your claim notice may include a mailing address. Sending a paper form avoids the digital phishing minefield altogether.

4) Use strong antivirus software

Strong antivirus software can block malicious links, warn you about dangerous websites and prevent malware from taking over your device.

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

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

HOW RETIREES CAN STOP FAKE DEBT COLLECTOR SCAMS

5) Try a data removal service

Data removal services work to scrub your personal information from broker lists, making it more difficult for criminals to target you.

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

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

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

6) Never pay to file

If a site asks for “administrative fees” or a “processing charge,” close it immediately. Real settlement administrators will never ask for money.

7) Report suspicious sites

Spot a fake? Protect others by reporting it to:

The FTC Complaint Assistant at reportfraud.ftc.gov/
The Internet Crime Complaint Center (IC3) at ic3.gov/
The Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/about-us/the-bureau/

Quick reporting helps authorities shut down scams before more people fall victim.

Can you tell a real email from a fake?

Take our quick quiz at Cyberguy.com/ScamCheck to learn how to spot phishing scams, protect your inbox, and stay a step ahead of hackers.

Kurt’s key takeaways

Class action settlements can feel like rare wins for consumers after data breaches. But scammers see them as easy hunting grounds. The best defense is skepticism. Check URLs, avoid clicking direct links and never give away details that don’t match the claim’s purpose. Your payout should help you recover, not put you at greater risk.

Have you ever received a settlement notice that felt suspicious, and how did you handle it? Let us know by writing to us at CyberGuy.com.

Kurt “CyberGuy” Knutsson is an award-winning tech journalist who has a deep love of technology, gear and gadgets that make life better with his contributions for Fox News & FOX Business beginning mornings on “FOX & Friends.” Got a tech question? Get Kurt’s free CyberGuy Newsletter, share your voice, a story idea or comment at CyberGuy.com.

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Technology

Allow me to explain why I love this camera that can’t shoot color

Published

5 hours ago

April 12, 2026

Press Room

Allow me to explain why I love this camera that can’t shoot color

I love black-and-white photography. I also adore compact cameras you can always have by your side. So I’m a total mark for the Ricoh GR IV Monochrome, a fixed-lens camera that can’t zoom and can’t record color — at all. It’s a formula that makes the average person ask, “Why?”

I’ve tested the GR IV Monochrome for over a month, taking it with me everywhere and photographing everything. Let me explain how this pricey little point-and-shoot is likely to go down as one of my all-time-favorite cameras.

$2197

The Good

Excellent black-and-white image quality
Everything great about the standard GR IV: sharp lens, small size, solid focusing
Fantastic high-ISO noise performance
Limiting yourself to black and white has creative benefits

The Bad

Expensive for a Ricoh GR
Face / eye tracking autofocus pales in comparison to the bigger camera brands
Short battery life (about 200-ish shots)

Ricoh GRs are some of the most unassuming, no-frills cameras around, and they have been since their conception in the film days. In the digital era, they’re pocket-size point-and-shoots with a large APS-C sensor permanently attached to a fixed focal length lens. If you’re familiar with Fujifilm’s popular X100 line, it’s like trimming one of those down to the bare minimum — that means no viewfinder and no fancy aperture ring. The X100 and other coveted street cameras like Leicas offer vintage-style shooting and double as lifestyle accessories or shoulder-carried jewelry (with prices to match). But a Ricoh GR is purely a shooter’s camera, with unabashedly modern methods of being used. Atop the camera is a typical mode dial, with customizable user presets, not an old-timey shutter speed dial.

The GR IV Monochrome takes last year’s Ricoh GR IV, strips out the color filter from the sensor, and replaces its built-in ND filter with a red filter (for one-click contrast adjustment purely using optics). Functionally, the alteration to the sensor gives the GR Monochrome an elevated ISO range of 160 to 409,600 and makes it better in low-light shooting (because color noise looks worse at high ISO than pure luminance grain). It maintains the upgrades established with the GR IV: improved autofocusing for its 28mm-equivalent f/2.8 lens, a 26-megapixel APS-C sensor, and 53GB of internal storage (supported by a microSD card slot).

1/15

The $120 Ricoh GF-2 add-on flash is a great addition for the camera. It’s best for close-up subjects, but it creates a nice high-key look in black and white.

Using the GR IV Monochrome feels just like the standard GR IV, with key functions that help it thrive in impromptu street-style shooting. It powers on and is ready to shoot in less than one second, and at any moment you can quickly full-press the shutter to forgo autofocusing and take a shot at a preset focus distance. Ricoh calls this Snap Focus, and it allows you to easily shoot from the hip with zone focusing — a staple of street photographers. The GR is all about spontaneity. Its autofocus system has face and eye detection, but it’s just a serviceable helper. The main way to use the GR is with single-point focusing and quickly moving it around the touchscreen. Many hardcore photographers will loathe its lack of an electronic viewfinder, but I’ve come to terms with its forgoing one for the sake of size.

But being forced into a black-and-white view of the world through this camera’s LCD is where the real magic happens. Any digital camera can be set to black-and-white mode, but not having the choice pushes you to look more intently at light and tonality. I pay extra attention to my compositions and seek out textures and tones I might ignore when shooting color. I know the camera can’t see color, so I mentally adjust my eye and my creativity to match — knowing there’s no bailout or reverting back to color in post. A more disciplined shooter may not feel they need all that, but I’ve shot enough on the GR IV Monochrome, other black-and-white-only cameras, and film cameras to know that I’m feasting when working with some limitations.

1/23

ISO 8000, 1/200s, f/2.8.

That’s the same ethos that drives people to go back to analog photography and digicams, or use toy-like cameras, but the GR IV Monochrome also unlocks the ability to shoot at extravagantly high ISOs in just about any light. The f/2.8 maximum aperture of the GR’s lens isn’t as fast as the f/1.7 and f/2 lenses of the Leica Q and Fujifilm X100 cameras of the world, but it’s fast enough when you barely notice much noise until ISO 25,600 and even a six-digit ISO is perfectly usable (even before denoising in post-processing software).

The other big way the GR IV sets itself apart from its Leica and Fujifilm competitors is that this camera is actually pocketable. I have ventured out of the house many times with my personal Leica Q2 slung over my shoulder, sans camera bag, ready to go on a little photo adventure or capture memories with family or friends. But it’s even easier to drop a Ricoh GR into a purse, diaper bag, or even a jacket / rear pants pocket. It turns any outing or errand into an opportunity to dabble in your creativity. These are snapshot-y moments that would usually be reserved for the camera you always have with you: your phone. But with the GR IV Monochrome, I feel more empowered and motivated to create something special and purposeful.

1/31

Here are some comparison photos between the GR IV Monochrome and the standard GR IV, including a full-range ISO test. ISO 200, 1/4s, f/5.6.

Am I creating art at the grocery store that’s worthy of the white walls of a Chelsea gallery? No. But seeing my own personal world through a black-and-white lens of such quality is enchanting. And there’s nothing wrong with feeling a little “artsy” sometimes, even if you’re just auditioning for the art critic in your own head.

The mundanity of our humdrum lives feels elevated when given the timeless quality of black and white. Lately, it’s felt even more authentic to me and worthy of appreciation, since generative AI is making so much of our world feel fake. It’s now commonplace to doubt everything we see as a possible deepfake or a dubious con — even from our own government. Black-and-white imagery still feels precious and real, at least as long as the AI-obsessed tech platforms don’t focus their Eye of Sauron of Enshittification on this niche of the medium.

A direct comparison of two images taken from our ISO test gallery. Both are taken at ISO 204800, one with the GR IV Monochrome and one with the GR IV. The Monochrome version is grainy, but it’s a usable image. The color version is a mess, and won’t look as good when converted to black and white.

To be fair, cameras that can’t shoot color aren’t new. Leica has been making its Monochrom variants of Q and M cameras for nearly 14 years. But priced at nearly $8,000 to $11,000 and up, they’re mostly unattainable to an average enthusiast. At $2,199.95, the GR IV Monochrome isn’t cheap but it’s much more grounded and feasible to own one without it being your only possession. And frankly, it’s less hoity-toity and snobbish when your second, third, or fourth camera — the “artsy” one — doesn’t cost more than a used car.

1/34

ISO 320, 1/800, f/3.2.

I’d be lying if I said that’s not part of why I dig the GR IV Monochrome so much. I’d love to one day personally own a Leica Monochrom of some sort, but it’s hard not to opt for the catch-all color camera when you’re spending that kind of money (hence why I own a Leica Q2 and not a Q2 Monochrom). But since my brain was broken by Leica and pro-level mirrorless system prices years ago, I can simultaneously look at the GR IV Monochrome and think, “$2,200? That’s not bad,” and also “GR cameras used to be like 900 bucks — what gives?”

It’s the everyday companion status of the GR IV Monochrome that makes it extra-extra special. With this little guy in your pocket, with that kind of image quality and light gathering potential, it feels like a permission slip to capture a sense of authentic wonder wherever you go. The standard GR IV is the logical version to get, allowing you to capture the vibrancy of your world. But the more hardcore GR IV Monochrome brings the romance, gritty realism, and magic.

Photography by Antonio G. Di Benedetto / The Verge

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Antonio G. Di Benedetto

Technology

Samsung Messages ending? What Android owners must know

Published

6 hours ago

April 12, 2026

Press Room

Samsung Messages ending? What Android owners must know

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You may be hearing that Samsung Messages is going away, and for many Android users, that’s true. Samsung is quietly phasing out its Samsung Messages app and moving people to Google Messages as the default texting platform with a planned cutoff around July 2026 in the U.S.

Newer Galaxy phones already come with Google Messages preinstalled, and Samsung Messages is no longer available to download on many newer devices.

That shift is real. But the way people are finding out about it is causing confusion. For many people, it starts with a text that doesn’t feel quite right. They’re checking their phone, and suddenly a text pops up warning that their messaging app is going away.

That’s exactly what happened to Gilberto of Running Springs, California. He wrote to us saying, “I just received a text on my Android phone advising me that Samsung Messages was going to end on July 6th, 2026, and that I needed to change to Google Messages. Is that true or a scam? I am a fan and enjoy your newsletter.”

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Gilberto is not alone. A growing number of Android owners are seeing similar alerts, and they’re leaving people unsure what’s real and what’s a scam. Here’s what’s real, based on Samsung and Google’s latest moves.

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Scam texts like this use urgency and official-looking language to trick you into clicking dangerous links. (Kurt “CyberGuy” Knutsson)

What’s actually happening with Samsung Messages

Samsung says Samsung Messages will be discontinued and is pushing people to switch to Google Messages. Google Messages is already the default texting app on many Galaxy phones.

Here’s what we know right now:

Newer Samsung Galaxy devices already ship with Google Messages as the default
Samsung Messages is still available on many older phones, but it is no longer the focus
Samsung says the app is expected to be discontinued in July 2026 for customers in the United States and advises checking the Samsung Messages app for the exact shutdown date
Some Galaxy phones may show an in-app notification guiding you to switch to Google Messages
Owners of newer Galaxy devices already cannot download Samsung Messages, and all devices will lose access to download it after the July 2026 cutoff

Samsung has not made a dramatic shutdown announcement inside settings or via official alerts. Instead, this is more of a phased shift tied to Google’s push for RCS messaging.

Why Samsung is moving to Google Messages

This change is not random. It’s about standardizing how texting works across Android.

Google has been pushing RCS, which stands for rich communication services. Think of it as the Android version of iMessage.

With Google Messages, you get:

Read receipts and typing indicators
High-quality photo and video sharing
Better group chats
Spam protection powered by Google
Access to newer Google features, including AI tools powered by Gemini, like suggested replies and experimental features such as image generation inside chats
Built-in security improvements, including AI-powered scam detection and stronger spam filtering to help block suspicious messages

Samsung has decided it makes more sense to partner with Google rather than maintain a separate messaging platform.

TAX SEASON SCAMS 2026: FAKE IRS MESSAGES STEALING IDENTITIES

As Samsung shifts to Google Messages, many people are receiving confusing alerts that can be easy to misinterpret. (Kurt “CyberGuy” Knutsson)

So is that text message real or a scam?

Here’s where things get tricky.

The change itself is real
The text message Gilberto received may not be

Samsung does not typically send standalone text messages with links asking you to switch apps. That creates a perfect opening for scammers.

How to tell if the message is legit

Here’s what to look for:

Signs the message could be legitimate

You see a notification inside your phone’s system settings
The alert appears within your existing messaging app
Links go directly to official sources like Google Play

Red flags that point to a scam

A random text with a link
Messages that pressure you to act quickly
Requests for login details or payment
Strange sender numbers or email-style addresses

Scammers know people are already hearing about this change, and they’re using that confusion to make their messages look real.

Taking a moment to verify a message before tapping can protect your data, your money and your identity. (Kurt “CyberGuy” Knutsson)

What you should do right now

You don’t need to panic. You just need to take control of the process.

1) Ignore the link

Even if the message looks convincing, do not tap anything inside it. It could take you to a fake site designed to steal your information. It’s also smart to have strong antivirus software on your phone, which can help block malicious links and warn you about suspicious activity before any damage is done. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.

2) Check your phone manually

Open the Google Play Store and search for Google Messages. If it is already installed, you are ahead of the game. If you’re using a newer Galaxy phone, you may already have Google Messages as your default and may not see Samsung Messages at all.

3) Switch in a safe way

Open Google Messages. If it is not already installed, download it from the Google Play Store. When you open it, tap “Set default SMS app,” select Google Messages, then confirm “Set as default.”

If you do not see that prompt, go to Settings > Apps > Choose default apps > SMS app (this may appear as “Default apps” on some devices), then select Google Messages.

4) Your existing texts should appear in Google Messages

When you switch your default messaging app, your SMS and MMS message history should automatically appear inside Google Messages. Google and Samsung both indicate that existing conversations transfer during the switch. In most cases, that means you will keep your existing text messages and won’t lose your conversation history when you switch apps. It is still a good idea to open Google Messages after switching and confirm your threads are there before removing or disabling Samsung Messages.

5) Reduce your exposure online

Scammers don’t just guess your number. They often get it from data broker sites and other places where your personal information is already floating around online. That’s why it’s smart to use a data removal service, which can help remove your phone number and personal details from these sites. The less information that’s out there, the harder it is for scammers to target you with texts like this in the first place. Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

What Samsung and Google are not telling you clearly

Here’s the part that frustrates many people. This transition is not being communicated in a consistent or highly visible way. Some Galaxy phones may show notices inside Samsung Messages or system prompts, but there is no single, universal alert reaching everyone at once. Instead, it’s a gradual shift tied to device updates, software versions and Google’s messaging strategy. That uneven rollout is exactly what creates confusion and gives scam texts an opening.

Who may not be affected?

Some older Samsung phones may continue to use Samsung Messages for now, especially if they are no longer receiving major software updates.

However, Samsung has not given a clear cutoff for the Android version, so the timeline can vary depending on your specific device, carrier and region.

You can check your Android version by going to Settings > About phone > Software information > Android version.

Why this matters for you

This is bigger than just switching apps.

It highlights a growing pattern:

Real tech changes create confusion
Scammers jump in immediately
People get caught in the middle

Right now, this change applies to U.S. customers, and timing may vary elsewhere. That kind of uncertainty is exactly what scammers look for, which is why it’s critical to verify any message before you act. Don’t want to use Google Messages? Here are your options

We’re hearing from readers who don’t trust Google and aren’t sure what to do, especially if family members use iPhones.

Here’s the reality:

Use Google Messages (default option): Works with everyone, including iPhones. No one else has to change anything
Use Signal for privacy: More secure, but only works if your contacts also use it
Apps like WhatsApp or Telegram: Both sides need the app

Best practical setup: Use Google Messages for everyday texting and Signal for private conversations.

Take my quiz: How safe is your online security?

Think your devices and data are truly protected? Take this quick quiz to see where your digital habits stand. From passwords to Wi-Fi settings, you’ll get a personalized breakdown of what you’re doing right and what needs improvement. Take my Quiz here: CyberGuy.com.

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Kurt’s key takeaways

Gilberto’s instinct to question that message was the right move. The switch to Google Messages is real, but the text he received might not be. When tech companies make quiet changes, scammers step in fast. The safest move is simple. Ignore unexpected links, verify everything yourself and make the switch on your terms, not theirs.

Should Big Tech companies be doing more to clearly warn you about major changes like this before scammers step in and fill the gap? Let us know by writing to us at Cyberguy.com.

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For simple, real-world ways to spot scams early and stay protected, visit CyberGuy.com trusted by millions who watch CyberGuy on TV daily.
Plus, you’ll get instant access to my Ultimate Scam Survival Guide free when you join.

Technology

The Netherlands is the first European country to approve Tesla’s supervised Full Self-Driving

Published

17 hours ago

April 11, 2026

Press Room

The Netherlands is the first European country to approve Tesla’s supervised Full Self-Driving

Dutch regulators, the RDW, announced that after over a year and a half of testing, it has officially approved Tesla’s Full-Self Driving (FSD) Supervised. This makes the Netherlands the first European country to authorize the use of FSD on its roads. This could open the door to wider adoption throughout the EU. Tesla’s European headquarters is located in Amsterdam, so it’s only fitting that the country is the first to embrace the company’s FSD.

In a statement announcing the approval, the RDW said that, “Using driver assistance systems correctly makes a positive contribution to road safety because the driver is supported in their driving tasks; it is a supplement to the driver. Through continuous strict monitoring of the driver in the vehicle, the system is safer than other driver assistance systems.”

The update implementing FSD Supervised (version 2026.3.6) has started rolling out to a limited number of users. Drivers will need to watch a tutorial and take a quiz before self-driving can be enabled, which reminds people that FSD Supervised “does not make your vehicle autonomous. Do not become complacent.”