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Landline identity theft leads to major bank fraud

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Landline identity theft leads to major bank fraud

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Landline identity theft is an emerging threat that gives scammers backdoor access to your accounts. 

An outdated phone number, especially a forgotten landline, can help them bypass security and drain your savings. 

Here’s how it happens and how to stop it.

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IS YOUR PHONE HACKED? HOW TO TELL AND WHAT TO DO

A man on a phone call using a landline telephone (Kurt “CyberGuy” Knutsson)

How forgotten landline identity theft drained a bank account

Richard from Reno, Nevada, shared a troubling story. His friend lost money to scammers because their old landline number was still linked to a bank account.

It started with a credit alert asking whether the friend had opened a new card. They said no and thought the issue was resolved.

But soon after, they couldn’t access their bank or investment accounts. Despite having transaction alerts enabled, the money was already gone.

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WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

The scammer didn’t hack a password. Instead, they used a security loophole, an outdated landline still listed on file.

“My friend had an old but active landline linked to their bank account,” Richard said. “The thief convinced the phone company to port the number to a mobile device. Then they used it to intercept security codes and drain the account.”

The scammer requested a password reset. The bank sent a verification code to the old number, now controlled by the scammer. That code let them change the login, lock the victim out, and move the funds.

Credit monitoring caught the new credit inquiry but failed to detect the fraud inside the existing accounts. By the time access was restored, the money had disappeared.

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A man screaming into a phone receiver of a landline phone  (Kurt “CyberGuy” Knutsson)

Why landline identity theft is so easy to pull off

This scam highlights how identity thieves evolve. They don’t always need advanced tools. Sometimes, they just use the details you’ve forgotten.

The role of number porting

The attacker used number porting, a process meant to help people keep their number when switching carriers. It’s legitimate, until scammers exploit it.

In this case, the thief pretended to be the victim and asked the phone company to transfer the landline number to a mobile device. Once the number was active, they received calls and texts, including two-factor authentication (2FA) codes.

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How old contact info creates new risks

Many people forget to update recovery settings after creating an account. But an outdated phone number or email can still receive security codes. If a scammer gains control of those recovery tools, your accounts are wide open.

The overlooked weaknesses that made this attack work

Even small gaps in your security settings can lead to big problems. These were the key vulnerabilities in this case:

Old phone numbers stay linked too long

Scammers can hijack even inactive numbers through porting. If those numbers still connect to your bank or email, they become an easy target.

Credit monitoring can miss real-time fraud

Tools that monitor new credit accounts won’t always detect unauthorized transactions in your existing bank or investment accounts.

Weak 2FA setups can be hijacked

2FA is helpful, but only when the linked phone number or email is secure. If a scammer controls that method, they can bypass your protections.

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An older style landline telephone next to smartphone  (Kurt “CyberGuy” Knutsson)

How to prevent landline identity theft

You can’t stop scammers from trying, but you can make it much harder for them to succeed. Use these steps to reduce your risk.

1. Audit your account recovery options: Check your recovery settings on every important account. Delete old phone numbers or backup emails. Keep only active, secure options on file.

2. Use an authenticator app: Authenticator apps like Google Authenticator, Authy, or Microsoft Authenticator generate one-time login codes on your device. This is safer than relying on text messages, which scammers can intercept.

3. Freeze number porting with your carrier: Contact your phone provider and ask about port-out protection. This feature blocks scammers from transferring your number without extra identity verification like a PIN or in-person request.

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4. Remove your info from data broker sites: Scammers gather personal details like old numbers from public broker listings. Use a data removal service to erase this info from the web. 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/Delete.

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

5. Monitor your bank activity directly: Set up alerts through your bank for every transaction. Log in regularly, even if you haven’t received any warnings, to catch fraud faster.

6. Use a password manager: A strong, unique password protects each account. A tool like a password manager creates and stores complex passwords for you. It also tracks password health and alerts you to possible breaches. Get more details about my best expert-reviewed Password Managers of 2025 at Cyberguy.com/Passwords.

7. Consider full identity theft protection: Even with strong passwords and 2FA, your personal info can still be exposed. An identity theft protection service offers dark web monitoring, account alerts, and some offer up to $1 million in identity theft insurance. See my tips and best picks on how to protect yourself from identity theft at Cyberguy.com/IdentityTheft.

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Kurt’s key takeaways

Landline identity theft shows that forgotten account settings can turn into serious threats. Take a few minutes to review your recovery options. Switch to authenticator apps. Set up port-out protection. And don’t rely on credit monitoring alone, it can’t catch everything. These simple steps can help you stay ahead of evolving scams and protect your most important accounts.

Have you experienced a similar scam or spotted a new tactic? Let us know by writing us at Cyberguy.com/Contact.

Sign up for my FREE CyberGuy Report
Get my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide – free when you join my CYBERGUY.COM/NEWSLETTER.

Copyright 2025 CyberGuy.com. All rights reserved.  

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Even Trump’s chief of staff was ‘aghast’ at Elon Musk’s deadly USAID cuts

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Even Trump’s chief of staff was ‘aghast’ at Elon Musk’s deadly USAID cuts

Wiles says she called Musk on the carpet. “You can’t just lock people out of their offices,” she recalls telling him. At first, Wiles didn’t grasp the effect that slashing USAID programs would have on humanitarian aid. “I didn’t know a lot about the extent of their grant making.” But with immunizations halted in Africa, lives would be lost. Soon she was getting frantic calls from relief agency heads and former government officials with a dire message: Thousands of lives were in the balance.

Wiles continued: “So Marco is on his way to Panama. We call him and say, ‘You’re Senate-confirmed. You’re going to have to be the custodian, essentially, of [USAID].’ ‘Okay,’ he says.” But Musk forged ahead—all throttle, no brake. “Elon’s attitude is you have to get it done fast. If you’re an incrementalist, you just won’t get your rocket to the moon,” Wiles said. “And so with that attitude, you’re going to break some china. But no rational person could think the USAID process was a good one. Nobody.”

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OpenAI announces upgrades for ChatGPT Images with ‘4x faster generation speed’

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OpenAI announces upgrades for ChatGPT Images with ‘4x faster generation speed’

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OpenAI announced an update for ChatGPT Images that it says drastically improves both the generation speed and instruction-following capability of its image generator.

A blog post from the company Tuesday says the update will make it much easier to make precise edits to AI-generated images. Previous iterations of the program have struggled to follow instructions and often make unasked-for changes.

“The update includes much stronger instruction following, highly precise editing, and up to 4x faster generation speed, making image creation and iteration much more usable,” the company wrote.

“This marks a shift from novelty image generation to practical, high-fidelity visual creation — turning ChatGPT into a fast, flexible creative studio for everyday edits, expressive transformations, and real-world use.”

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The OpenAI GPT-5 logo appears on a smartphone screen and as a background on a laptop screen in this photo illustration in Athens, Greece. (Nikolas Kokovlis/NurPhoto via Getty Images)

The announcement comes just weeks after OpenAI CEO Sam Altman declared a “code red” in a memo within his company to improve the quality of ChatGPT.

In the document, Altman said OpenAI has more work to do on enhancing the day-to-day experience of its chatbot, such as allowing it to answer a wider range of questions and improving its speed, reliability and personalization features for users, according to The Wall Street Journal.

The reported company-wide memo from Altman comes as competitors have narrowed OpenAI’s lead in the AI race. Google last month released a new version of its Gemini model that surpassed OpenAI on industry benchmark tests.

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The OpenAI logo Feb. 16, 2025 (Reuters/Dado Ruvic)

To focus on the “code red” effort to improve ChatGPT, OpenAI will be pushing back work on other initiatives, such as a personal assistant called Pulse, advertising and AI agents for health and shopping, Altman said in the memo, according to the Journal.

Altman also said the company would have a daily call among those responsible for enhancing ChatGPT, the newspaper added. 

“Our focus now is to keep making ChatGPT more capable, continue growing, and expand access around the world — while making it feel even more intuitive and personal,” Nick Turley, the head of ChatGPT, wrote on X Monday night.

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OpenAI CEO Sam Altman speaks during the Federal Reserve’s Integrated Review of the Capital Framework for Large Banks Conference in Washington, D.C., July 22, 2025.  (Reuters/Ken Cedeno)

        

OpenAI currently isn’t profitable and has to raise funding to survive compared to competitors like Google, which can fund investments in their AI ventures through revenue, the Journal reported.

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I’ve been waiting years for Animal Crossing’s best new features

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I’ve been waiting years for Animal Crossing’s best new features

I never felt done with my Animal Crossing: New Horizons island. Despite playing every day for two years, and racking up 1,700 hours of playtime, I somehow never finished decorating. I had plenty of ideas for my island, sure, but actually implementing them was another story: The decorating and terraforming systems that helped make New Horizons a huge success are also slow, manual, and cumbersome, and my patience for decorating and redecorating had finally worn thin.

Fast-forward a few years, and a very much unexpected update is coming to finally fix some of those pain points. Update 3.0 is launching on January 15th, 2026, alongside the Switch 2 Edition of New Horizons. And while the paid Switch 2 upgrade has some nice-to-haves (like Joy-Con 2 mouse controls for indoor decorating), it’s the free update that brings all the key new features.

I recently attended a virtual preview for the New Horizons upgrade and update, and there are two caveats: I have not yet played either the Switch 2 version or the new free content myself, and it’s hard to gauge the quality of the Switch 2 version’s visual and performance improvements over a Zoom call. (I still have some unanswered questions about the biggest performance issues on the original Switch, like the choppy frame rate on more densely decorated islands.) But seeing the 3.0 additions in action, it was easy to imagine myself finishing my island — or at least an island.

As shown in the October announcement trailer, update 3.0 makes much-needed quality-of-life fixes. You’ll finally be able to craft multiple items at once, and crafting will pull materials from your overall storage instead of your pockets, meaning you won’t have to do a bunch of inventory management just to craft some decor. Then there’s Resetti’s Reset Service, which can help you clean up entire sections of your island instantly so you don’t have to pick everything up individually in order to redecorate. Some players also noticed a very subtle but potentially impactful change to movement while terraforming that should hopefully make it a smoother process. And then, as if to show off those decorating improvements, Nintendo also added Slumber Islands.

Not to be confused with dreams, New Horizons’ online island-sharing feature, Slumber Islands are extra sandboxes for you to decorate and play with, where you can set the time of day and the weather and magically conjure up any item you have in your in-game catalog to decorate with, similar to the Happy Home Paradise DLC. You can build bridges and inclines instantly by talking to Lloid, rather than going through Tom Nook and waiting (or time traveling) a day. And while it seems like terraforming works the same on Slumber Islands, the apparent addition of strafing while terraforming — instead of having to constantly reorient yourself manually — should help at least a little bit. (It’s the first thing I’m going to test on January 15th, that’s for sure.)

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For me, the worst part of decorating in New Horizons was having an idea, ordering all the furniture I’d need for it over the course of days, testing out the design, realizing it did not look the way I envisioned, and facing the tedious process of breaking it all down and starting over again brick by brick — or, at the very least, having to push and pull objects around for a while to see if I could make it work. The design process I saw on Nintendo’s Slumber Island during the preview, meanwhile, seemed quicker and smoother. Trying out an idea or aesthetic in that environment doesn’t sound like such a tall order.

Without any hands-on time, I can’t say if it will actually be noticeably easier to design and decorate with the 3.0 update. But I’m excited by the idea that I can go to my Slumber Island scratch pad and try out my designs before committing to them (and the cost in bells to get it all done) on my main island. And maybe, if I really like how it feels to decorate, I’ll make an entire Halloween-themed Slumber Island — the kind of island I’ve wanted to make for years but never did on my main island, where the seasons continue to change and actively ruin the vibe.

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