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How to Avoid Mobile Payment App Scams

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Mobile repayment applications bring in scammers wishing to swindle clients out of their money. The New York City Times just recently released a tale worrying fraudsters making use of the prominent Zelle application. As well as financial solutions such as Resources One have actually started sending e-mails alerting clients regarding individuals posing teller that require repayments over the phone, message, or e-mail. Plainly something is taking place. What do you require to recognize to remain risk-free? We’ll discuss.


Try To Find the Indication

The USA Federal Profession Compensation’s web site alerts of indications you are being targeted by a financial application fraudster. You might obtain an e-mail, call, or message declaring any type of among the adhering to circumstances:

  • You won a reward or drawing and also require to pay some costs to gather it

  • An enjoyed one remains in difficulty and also they require you to send out cash

  • You owe tax obligations to the internal revenue service

  • They’re from technology assistance and also require cash to repair an issue with your computer system

  • They’re a person that is passionately thinking about you and also require some cash.

Fraudsters will certainly after that inform you to send them cash with a mobile repayment application. Do not click any type of web links had in an unanticipated e-mail or text. Visit to the repayment application to see if you have any type of ask for cash. If you do not, the e-mail or message is possibly a phishing rip-off.


Fraudulence vs. Fraud

On Zelle’s web site, the firm sets out the distinction in between being the sufferer of scams versus a rip-off. When it concerns cash transfers on money applications such as Zelle, if a person accessed your account without your consent and also swiped your cash, you can report the scams occurrence to your banks, and also they might have the ability to turn around the fees. If you accredited the repayment, which typically occurs in frauds where a target spends for products or solutions they do not obtain, the banks might not offer you your refund.


Secure Yourself from Cash Transfer Systems

Do decline cash transfer demands from individuals or establishments you do not recognize. Don’t provide individual details to anybody you don’t recognize online. You can’t constantly count on customer ID for text, as contact number can be spoofed and also seem from a person you recognize. Confirm the identification of the individual requesting for cash with voice calls or by conference face to face.

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How to watch Summer Games Done Quick 2024

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How to watch Summer Games Done Quick 2024

It’s summer, which means it’s time for sun and speedruns. The 2024 edition of Summer Games Done Quick (SGDQ), the annual speedrunning marathon for charity, kicks off on Sunday and runs until July 6th. This year’s lineup is once again packed with runs for some of my favorite games, including Balatro, Alan Wake 2, Elden Ring, Tony Hawk’s Pro Skater 1, 2, 3, and 4 (all in one run), a glitchless Baldur’s Gate 3 Honour Mode run, and a shipless Outer Wilds run (how???).

But my most anticipated run is a live speedrun from Peanut Butter, the shiba inu who performed a remote run of the NES game Gyromite at Awesome Games Done Quick in January. At SGDQ, Peanut Butter will be live at the event playing Ken Griffey Jr. Presents Major League Baseball for the Super NES. Peanut Butter’s goal is to win a game in 30 minutes. The run is scheduled for July 4th at 8:43PM ET.

SGDQ’s first run, Yoshi’s Story, happens today at 1PM ET. You can stream the entire event from the Games Done Quick Twitch channel, and Games Done Quick typically posts runs after they happen on its YouTube channel. The event, which will be streamed from Minneapolis, is raising money for Doctors Without Borders.

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Cities most targeted for travel booking scams

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Cities most targeted for travel booking scams

As the July 4th holiday and summer travel heats up, cybercriminals are increasingly targeting unsuspecting travelers through online booking scams. 

A new study by online protection company McAfee has identified the top five destinations most frequently targeted by cybercriminals for online booking scams.

Abhishek Karnik, head of threat research at McAfee, has shared valuable insights on those top destinations exploited by scammers and how to protect yourself from falling victim to these schemes.

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A person kicking back on a hammock   (Kurt “CyberGuy” Knutsson)

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Top 5 online booking scam hot spots

It’s hard to immediately see why these destinations made this threat list. According to McAfee’s research, the following destinations are most frequently exploited by scammers:

1. Fort Myers Beach, Florida

2. Sandusky, Ohio

3. Pocono Manor, Pennsylvania

4. Waimea, Hawaii

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5. Chicago

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A woman pulling her luggage while on vacation   (Kurt “CyberGuy” Knutsson)

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Why these destinations?

Karnik explains that popular vacation spots like Fort Myers Beach, Sandusky and Chicago attract significant consumer interest and spending, making them prime targets for opportunistic scammers. These destinations offer a wide range of experiences cybercriminals can exploit through various scams. These scams have led consumers to unknowingly install malware or jeopardize their data, privacy and identity.

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Items packed for a vacation   (Kurt “CyberGuy” Knutsson)

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Common types of travel scams

Travelers should be aware of several prevalent scams:

AI-generated scams: The rise of AI tools has made it easier for scammers to create highly convincing and entirely fraudulent travel opportunities, including realistic-looking images of nonexistent accommodations and fake reviews.

Fake booking websites: Cybercriminals create convincing fake booking sites with enticing deals to capture financial information or secure payment for non-existent bookings. Stick to reputable websites or book directly with hotels and airlines to ensure your reservations are valid.

Impersonation scams: Fraudsters pose as hotel staff, tour guides or travel agents to deceive travelers into sharing sensitive personal or payment information. Always verify the identity of individuals before sharing any data or personal information.

Public Wi-Fi risks: Hackers can intercept data transferred over unsecured public Wi-Fi networks at hotels, airports and cafés, potentially stealing login credentials and credit card information. Use a VPN or avoid accessing sensitive accounts on public networks.

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Phishing emails and texts: Be wary of unsolicited communications from supposed travel agencies, airlines or hotels prompting you to click on links or provide personal information. While these messages may appear legitimate, they often lead to fraudulent websites designed to steal your data. When in doubt, go directly to the source before responding or clicking any links.

Oversharing on social media: Sharing your location and travel plans on social media can make you a target for thieves, both digitally and in the physical world. Keep your plans private, or share them selectively, and avoid posting real-time updates that might indicate your home is unoccupied.

Karnik warns that the accessibility of artificial intelligence has increased the scale, effectiveness and speed of travel scams, including highly convincing phishing attempts and fraudulent travel opportunities.

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A person relaxing in a hammock on vacation   (Kurt “CyberGuy” Knutsson)

AVOID TOP 5 TRAVEL SCAMS FOR THE PERFECT SUMMER VACATION

The impact of travel scams

The consequences of falling victim to these scams can be severe. McAfee’s Global Safer Summer Travel Survey revealed that 25% of Americans have lost over $1,000 to travel-related scams. Additionally, 15% have experienced fraudulent payments after providing financial details on fake sites, and 13% have arrived at their destination to find their pre-booked accommodation didn’t exist.

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A photo of a beach in Hawaii  (Kurt “CyberGuy” Knutsson)

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Protecting yourself from online booking scams

To ensure a safe and secure travel experience, Karnik recommends the following tips:

1. Book directly with reputable companies or through trusted platforms

2. Be cautious of deals that seem too good to be true

3. Conduct reverse image searches to verify property photos

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4. Use a credit card and never a debit card for better transaction protection

5. Avoid using public Wi-Fi without a VPN

6. Be wary of unsolicited messages asking for personal information

7. Validate listings across multiple platforms to help determine legitimate accommodations

8. Have strong antivirus software: The best way to protect yourself from clicking malicious links that install malware that may get access to your private information is to have antivirus protection installed on all your devices. This can also alert you of any phishing emails or ransomware scams. Get my picks for the best 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.

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Chicago’s skyline  (Kurt “CyberGuy” Knutsson)

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Red flags to watch out for when booking online

Karnik advises travelers to be alert for these warning signs when booking online:

  • Listings with no reviews
  • Requests to communicate or pay outside the booking platform
  • Pressure to make quick decisions
  • Unusual payment methods like wire transfers or gift cards

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An image of a beach in Florida   (Kurt “CyberGuy” Knutsson)

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Kurt’s key takeaways

As Abhishek Karnik emphasizes, scammers are opportunists who take advantage of popular consumer trends and holidays when people might be more trusting or looking for vacation deals. By staying informed about common scams, recognizing red flags and following best practices for online safety, travelers can significantly reduce their risk of falling victim to travel-related fraud. Remember, a little caution goes a long way in ensuring your summer getaway is memorable for all the right reasons.

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How has the rise of artificial intelligence in creating realistic-looking travel opportunities affected your trust in online travel platforms? Let us know by writing us at Cyberguy.com/Contact

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Uber and Lyft now required to pay Massachusetts rideshare drivers $32 an hour

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Uber and Lyft now required to pay Massachusetts rideshare drivers $32 an hour

Rideshare drivers in Massachusetts will soon get company-provided benefits, as well as a minimum pay of $32.50 per hour, starting on August 15th. That’s thanks to a new settlement between the state and rideshare companies Uber and Lyft, four years after Attorney General Andrea Campbell sued the companies, asserting their drivers ought to be considered employees under state law.

The two companies also agreed to pay a combined $175 million, the bulk of which will be paid out to “current and former drivers who were underpaid by the companies,” Campbell’s office announced yesterday. The office says it will release details about who qualifies and how to apply “in coming weeks.” Despite the settlement and the original thrust of the suit, drivers will still be considered independent contractors.

Still, drivers in the state will get yearly inflation-based pay raises and other employee-style benefits, such as being able to earn up to 40 hours of sick leave a year, paid at $20 per hour. Uber and Lyft will also give drivers stipends so they can buy healthcare and sign up for the state’s family and medical leave program, and will cover work-related injuries.

To ensure they’re complying with the agreement, the companies have to carry out annual audits and submit reports to the Attorney General’s office. Punishment for violations could include “any applicable restitution, fines, and penalties,” according to the published settlement.

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