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

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

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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.

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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)

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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.

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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.

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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. 

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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.

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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.

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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.

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Copyright 2025 CyberGuy.com.  All rights reserved.  

Technology

All the news about Ferrari’s polarizing Luce EV

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All the news about Ferrari’s polarizing Luce EV

Ferrari released the first interior images of the company’s first all-electric supercar, called the Ferrari Luce (“light” in Italian). This is the second time the Italian automaker has teased the Luce (formerly Elettrica) without showing us the actual car, or even a silhouette. But the interior images should suffice given the bold-faced name of the designer: Jony Ive.

Ferrari decided to outsource the work of designing the Luce’s interior to Ive and his partner Marc Newson, who together run the design shop LoveFrom. Ive, obviously, is well known for his work as Apple’s former chief designer, overseeing such iconic products as the iMac, iPhone, iPad, and Apple Watch. Now he’s turning his attention to a vehicle from Ferrari — and perhaps, in the process, giving us an idea of what an Apple car could have looked like, had the tech giant decided to pursue its secretive Project Titan instead of spiking it.

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Technology

Your health app may be failing you

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Your health app may be failing you

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Healthcare has moved onto your phone. That sounds convenient until you are staring at a login screen, trying to refill a prescription, book a telehealth visit or figure out why your insurance portal will not load.

For many older adults, this shift has created a new kind of health problem. It is called low digital health literacy, and it can affect much more than your patience.

Digital health literacy means having the knowledge, access and confidence to use online health tools. That includes apps, patient portals, prescription refills, telehealth visits, benefit websites and digital forms.

New research from CVS Health on Medicare-age adults found that many seniors want to use digital health tools. However, they often hit roadblocks that make care harder to manage. Those roadblocks include confusing portals, privacy concerns, outdated devices, spotty internet and hard-to-follow health information.

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HOW TO HELP OLDER RELATIVES WITH TECH OVER THE HOLIDAYS

That can lead to missed appointments, delayed care, prescription problems and more stress for people already managing health challenges.

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SCAMMERS EXPLOITED MOM’S FEARS TO STEAL HER ENTIRE LIFE’S SAVINGS

Older adults are increasingly managing healthcare through apps and online portals, but confusing systems and security concerns are making digital care harder to navigate. (Jaap Arriens/NurPhoto via Getty Images)

 

Why digital health literacy affects your care

Healthcare companies, insurance plans, pharmacies and doctors’ offices now rely heavily on digital tools. You may need an app to check test results. You may need a portal to message your doctor. You may need a website to understand your benefits.

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That works well when the tool feels simple. It becomes a problem when the tool creates more confusion than clarity.

The CVS Health research found that digital health literacy challenges appeared across several common areas. Many older adults struggled to navigate health information online. Others worried about whether websites or apps could protect their personal information. Some lacked reliable internet or newer devices. Many simply felt unsure about what to click next.

That uncertainty matters. When someone cannot access a portal, understand a benefit or complete a refill request, digital care becomes a barrier instead of a shortcut.

Why seniors need better digital health support

One of the most important findings is encouraging. Older adults are not rejecting technology across the board. In fact, the research found that 86% of respondents were open to digital health engagement. Many were willing to learn. They just wanted tools that matched their comfort level.

That point challenges a common assumption. The bigger issue is design. Many people want to use digital health tools, but the experience often feels confusing. A person may use a smartphone every day and still struggle with a health portal. Health tasks can feel more stressful than everyday online tasks because the stakes are higher. A wrong click can feel risky. A confusing message can raise anxiety. A failed login can delay something important.

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Common digital health problems older adults face

The research points to several pain points that will feel familiar to many older adults.

1) Confusing portals and health websites

Many people feel overwhelmed when trying to find health information online. They may not know which portal to use, where to check benefits or how to fix an error message. This gets harder when each doctor, pharmacy or insurer uses a different system. One login handles test results. Another handles prescriptions. A separate website shows insurance coverage. That creates a lot of digital homework.

2) Passwords and login problems

Simple tasks can fall apart at the login screen. Forgotten passwords, two-factor codes and account lockouts can stop someone from getting the care information they need. Security matters. Still, a login process that feels impossible can push people away from digital care entirely.

3) Privacy and scam concerns

Many older adults worry about sharing personal information online. That concern makes sense. Health accounts can contain sensitive details, including medications, diagnoses, insurance information and payment data. Scammers also target older adults with fake medical messages, bogus pharmacy alerts and phishing emails that look official. As a result, some people hesitate even when a real health message arrives.

4) Old devices and weak internet access

Digital health tools assume people have reliable internet, updated phones and working software. Many do not. Older devices may run slowly or fail to support newer apps. Limited internet access can make telehealth frustrating. Cost can also stop people from upgrading devices or paying for faster service.

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Why telehealth still feels risky for some seniors

Telehealth became familiar to many people during the pandemic. The research found that many Medicare respondents had previous telehealth experience and saw its convenience. Still, some remained skeptical. The biggest concern was whether telehealth could actually address their health problem.

That hesitation makes sense. A video visit may work well for a follow-up question, medication discussion or minor issue. It may feel wrong for a new symptom, pain that needs an exam or anything that feels urgent. The takeaway is simple. Telehealth works best when patients understand when to use it and when to ask for in-person care.

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

New CVS Health research found many Medicare-age adults want to use digital health tools, but outdated devices, login issues and privacy fears remain major obstacles. (Gabby Jones/Bloomberg via Getty Images)

How AI could change digital health literacy

AI is starting to appear in healthcare tools. It may help explain benefits, answer basic questions and guide people through online tasks. Used well, AI could reduce frustration. It could translate confusing health language into plain English. It could help someone find the right next step faster.

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However, AI also creates a new challenge. People need to know when they are dealing with AI, what the tool can do and when they should ask for a real person. That human backup is important. For healthcare, trust often depends on knowing help is available when something feels confusing, sensitive or serious.

How to use health apps safely

If you have ever felt stuck inside a health app, you are not alone. Digital health tools can help you manage care, but only when you know how to use them safely. Here are the key things to know.

1) Keep a written list of your health logins

Keep a secure list of your main health websites and apps. Include your doctor portal, pharmacy account, insurance account and telehealth platform. A password manager can make this much easier. It can store strong passwords, fill them in for you and reduce the chance that you type your information into a fake site. Check out the best expert-reviewed password managers of 2026 at CyberGuy.com.

On iPhone running: Go to Settings > General > AutoFill & Passwords. Turn on AutoFill Passwords and Passkeys. Then choose the password app you want to use. Apple says Password AutoFill can fill saved passwords and passkeys from the Passwords app or supported password apps.

On a Samsung phone: Settings may vary depending on your Android phone’s manufacturer

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Go to Settings > Security and privacy > More security settings > Passwords, passkeys and autofill > Preferred service. Choose Samsung Pass, Google or your preferred password manager. If you do not see that path, open Settings and use the search bar at the top to search Preferred service.

2) Go straight to the official website or app

If you get a text or email about your health account, avoid clicking the link. Open the official app from your phone’s home screen. You can also type the website into your browser yourself. This one habit can help you avoid many phishing scams. If a message says your account has a problem, do not use the link in that message. Go directly to the health app, pharmacy app, doctor portal or insurance website.

3) Turn on two-factor authentication

4) Ask for human help when you get stuck

You should not have to guess your way through healthcare. If a portal confuses you, call the provider, pharmacy or insurance plan directly using the number on your card or the official website. Ask them to walk you through the task slowly. You can also ask whether they offer in-person help, phone support or printed instructions.

5) Use telehealth for the right kind of visit

Telehealth can work well for follow-ups, prescription questions, some mental health appointments and simple care needs. For new symptoms, severe pain, breathing trouble or anything that feels urgent, ask whether you need in-person care. When in doubt, call a medical professional.

6) Check app permissions

Health apps may ask for access to your location, camera, microphone, photos or notifications. Some permissions make sense. Others may not be necessary.

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On iPhone: Go to Settings > Privacy & Security. Tap the item you want to check, such as Location Services, Camera, Microphone or Photos. Tap the health app you want to review. Choose the safest option that still lets the app work. Apple says this area lets you review which apps can access features such as the camera, microphone and location.

To check notifications on iPhone, go to Settings > Apps > [name of health app] > Notifications. Turn Allow Notifications on or off.

On a Samsung: Settings may vary depending on your Android phone’s manufacturer Go to Settings > Apps > tap the three dots in the upper-right corner > Permission manager. Tap a permission, such as Location, Camera or Microphone. Tap the health app you want to review. Choose Allow only while using the app, Ask every time or Don’t allow, depending on what you want the app to access.

To check notifications on Samsung, go to Settings > Apps > [name of health app] > Notifications. Turn notifications on or off.

7) Keep your phone and health apps updated

Updates can fix bugs and close security holes. They can also make apps work better with your doctor, pharmacy or insurance portal.

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On iPhone: Go to Settings > General > Software Update. Wait for the screen to check for updates. If an update appears, tap Download and Install and follow the instructions.

To update apps on iPhone, open the App Store. Tap your profile picture in the top-right corner. Scroll down to App Updates. Tap Update next to the health app or tap Update All.

On a Samsung phone: Settings may vary depending on your Android phone’s manufacturer Go to Settings > Software update > Download and install. If an update appears, tap Install now and follow the instructions.

To update apps on Samsung, open the Google Play Store. Tap your profile picture in the top-right corner. Tap Manage apps & device. Tap Updates available. Tap Update next to the health app or tap Update all.

For Samsung apps, open the Galaxy Store app. Tap Menu in the bottom-right corner. Tap Updates. Tap Update all to update everything, or tap the update icon next to one app to update it by itself.

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8) Add strong antivirus software 

Strong antivirus software can help protect you from scam links, fake websites, malicious downloads and other online threats. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. This matters because health accounts can contain personal details, insurance information and prescription data. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com.

9) Watch for scam warning signs

Be careful with messages that create panic. Scammers may say your benefits will stop, your prescription has been canceled, or your account has been locked. Look for spelling errors, strange links, urgent demands and requests for payment. Real health organizations should never pressure you to share passwords or one-time codes. If you are unsure, stop and call the company using a phone number from your card, bill or official website.

How to help a loved one use health apps

Many older adults want support, not someone taking over the whole process. If you help a parent, spouse or friend, sit beside them and let them do the clicking when possible. Explain what each step means. Help them save official websites as bookmarks so they can return safely later. Also, slow down. Healthcare already feels stressful. Technology can make that stress worse when someone feels embarrassed or rushed. A little calm help can build confidence over time.

Join CyberGuy Live: Lock Down Your Phone in 30 Minutes (Saturday, June 13, 10 am ET)

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 1.7 BILLION PASSWORDS LEAKED ON DARK WEB AND WHY YOURS IS AT RISK

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Telehealth and online prescription systems can simplify care, but many seniors still struggle with passwords, portals and scam risks tied to digital health platforms. (Gabby Jones/Bloomberg via Getty Images)

Kurt’s key takeaways

Digital health tools are now part of everyday care. They can save time and make routine tasks easier. Yet they can also leave people behind when the design feels confusing, or the support disappears too quickly. The best health technology should make people feel more in control. That means simple logins, clear instructions and an easy way to reach a real person when something goes wrong. For older adults and the families who love them, digital health literacy has become a practical safety skill. It can affect whether people book appointments, refill medications and feel safe using online care.

When your healthcare moves onto a screen, who should be responsible for making sure you can actually use it? 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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Technology

Did the Pope use AI to write about the dangers of AI?

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Did the Pope use AI to write about the dangers of AI?

It’s possible that AI was used to write parts of Pope Leo XIV’s latest encyclical about AI’s impact on humanity. An analysis by Linch Zhang posted on the forum LessWrong found certain paragraphs of Magnifica Humanitas to be between 40 percent and 100 percent written by AI, according to the popular AI detector Pangram.

The document includes known traits that appear in AI-generated writing, such as a higher use of the word “genuinely” — which crops up in writing by Anthropic’s Claude — than previous encyclicals, Zhang says. Another person ran the text of the document section by section through Pangram, finding that 62 percent of its first chapter was flagged as AI generated. When The Verge ran roughly 2,000 words of the document through Pangram, it estimated that 46 percent was AI-written.

AI detection isn’t foolproof

Still, other portions register as being written by humans. Zhang notes that Pangram flagged some sections as “essentially 0% AI.” The first 20 paragraphs of the last four encyclicals, when run through Pangram, had a 100 percent confidence of being human written. And a transcript of Pope Leo’s speech, run through Pangram, was also rated as 100 percent human.

AI detection isn’t foolproof. Different AI detectors can display different results, and even when there’s consensus there’s no guarantee they’re correct. But Pangram is generally respected among AI researchers. In March 2025, Pangram said it estimated its false positive rate of reporting human-written work as AI-generated “to be approximately 1 in 10,000.”

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Encyclicals are lengthy letters published by the pope, meant to impart teachings that address important moral and social challenges of the time, according to The New York Times. This encyclical is the pope’s first, with the most recent one written by Pope Francis in October 2024. It’s also the first to focus on AI and its wide-ranging influences, with Pope Leo notably presenting it alongside Christopher Olah, a co-founder of Anthropic.

The Vatican didn’t immediately reply to a request for comment.

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