Technology

Retirees lose millions to fake holiday charities as scammers exploit seasonal generosity

Published

5 months ago

October 15, 2025

Retirees lose millions to fake holiday charities as scammers exploit seasonal generosity

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The holidays are supposed to be a season of generosity, family and giving back. For many retirees, October through December is the time to support causes close to their hearts, whether it’s helping veterans, feeding families or donating to disaster relief. But there’s a darker side to this generosity. Scammers know that retirees are among the most generous members of our communities, and they exploit that kindness to line their own pockets.

Millions of dollars are stolen through fake “charities” that pop up just before the holidays. Their calls, letters and emails look legitimate, but the money never reaches those in need. Instead, it funds criminals who are ready to strike again.

Here’s what every retiree (and their loved ones) should know about holiday charity scams and how to protect their money, identity and peace of mind.

HOW RETIREES CAN STOP FAKE DEBT COLLECTOR SCAMS

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Scammers mimic real charities to pressure retirees into quick donations. (Kurt “CyberGuy” Knutsson)

Why retirees are prime targets for fake charities

Retirees often give more generously than other groups. Scammers know this, and they know how to tailor their pitch.

Emotional appeals: Fraudsters will mention children, veterans or natural disaster victims to tug at heartstrings.
Polite persistence: Retirees tend to answer calls and engage longer on the phone, which scammers see as an opportunity.
Data exposure: Your name, age, phone number and even donation history can already be found online through data brokers. That means scammers don’t need to guess; they target you because they know you’ve donated before.

When you combine generosity with publicly available data, scammers see retirees as the “perfect donors.”

HOW SCAMMERS TARGET YOU EVEN WITHOUT SOCIAL MEDIA

Fake charity red flags

How do you know if a charity request is real or just a scam dressed up for the holidays? Look for these warning signs:

Pressure to act fast: If a caller insists you donate “right now” or tries to guilt you into giving before you hang up, it’s likely a scam. Real charities welcome donations anytime.
No details about how money is used: Authentic charities can explain where funds go. Scammers use vague promises like “helping the needy” without specifics.
Untraceable payment methods: Requests for gift cards, wire transfers or peer-to-peer app transfers (like Venmo or Zelle) are instant red flags.
Lookalike names: Fraudsters often invent names that sound similar to well-known charities, like “Veterans Hope Relief” or “Children’s Aid International.”
Caller ID tricks: Scammers can spoof numbers to make it look like they’re calling from a local area code or even a real charity office.

How to safely check a charity before donating

Here’s how to protect yourself while still supporting the causes that matter to you:

Research the charity’s name: Before donating, search it on sites like Charity Navigator or the Better Business Bureau’s Wise Giving Alliance at give.org/. If it doesn’t appear there, that’s a red flag.
Ask for written information: Real organizations will happily mail or email details about their mission, budgets and how donations are used.
Verify tax-exempt status: Use the IRS Tax-Exempt Organization Search at Irs.gov/charities-and-nonprofits to confirm the charity is legitimate.
Check how much goes to the cause: Some charities are real but inefficient, spending more on salaries than programs. Make sure your donation actually helps.

REMOVE YOUR DATA TO PROTECT YOUR RETIREMENT FROM SCAMMERS

Protecting your payment details

Even if the charity itself is real, you need to protect how you give:

Use a credit card rather than a debit card because credit cards offer stronger fraud protection.
Never give payment info over the phone if you didn’t initiate the call.
Donate through the charity’s official website instead of clicking links in unsolicited emails.
Keep records of your donations for tax purposes and to spot anything suspicious later.

The elderly must stay vigilant as holiday charity scams target older donors. (iStock)

Why removing your data online reduces charity scam calls

Here’s something most people don’t realize: many charity scams start with data brokers. These companies collect your personal details, such as age, phone number, donation history and even religious or political leanings, and sell them to anyone who asks. That means fraudsters can buy a ready-made list of “generous retirees who donate to veterans’ causes” and start calling immediately. The more information out there about you, the more personalized and convincing scam calls become. That’s why removing your data from broker sites is one of the most powerful defenses available to you.

The easy way to do it

Manually contacting hundreds of data brokers is a never-ending task. Each one has its own forms, emails and hoops to jump through, and many will re-add you months later. That’s where a data removal service comes in. They automatically reach out to data brokers on your behalf, demand the removal of your personal info and keep following up so it doesn’t creep back online.

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.

HOW SCAMMERS EXPLOIT YOUR DATA FOR ‘PRE-APPROVED’ RETIREMENT SCAMS

Protect your personal information by donating only through verified official websites. (Kurt “CyberGuy” Knutsson)

Kurt’s key takeaways

The holidays should be about joy, generosity and giving back, not about lining the pockets of fraudsters. By spotting the red flags of fake charities, double-checking where your money goes and removing your personal information from online databases, you can keep your donations safe and make sure they reach the people who truly need them. Remember: protecting your generosity is just as important as sharing it.

Have you ever been contacted by a fake charity during the holidays? What tipped you off? 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

The US government just banned consumer routers made outside the US

Published

7 hours ago

March 24, 2026

Press Room

The US government just banned consumer routers made outside the US

In December, the Federal Communications Commission banned all future drones made in foreign countries from being imported into the United States, unless or until their maker gets an exemption. Now, the FCC has done the exact same for consumer networking gear, citing “an unacceptable risk to the national security of the United States and to the safety and security of U.S. persons.”

If you already have a Wi-Fi or wired router, you can keep on using it — and companies that have already gotten FCC radio authorization for a specific foreign-made product can continue to import that product.

But since the vast majority — if not all — consumer routers are manufactured outside the United States, the vast majority of future consumer routers are now banned. By adding all foreign-made consumer routers to its Covered List, the FCC is saying it will no longer authorize their radios, which de facto bans new devices from import into the country.

Now, router makers need to A) secure a “conditional approval” that lets them keep getting new products cleared for US entry while they work to convince the government that they’ll open up manufacturing in the US, or B) make the decision to skip selling future products in the US, like dronemaker DJI already did.

Like with the foreign drone ban, the FCC has a National Security Determination that it says justifies these actions, one which claims that “Allowing routers produced abroad to dominate the U.S. market creates unacceptable economic, national security, and cybersecurity risks,” and that “routers produced abroad were directly implicated in the Volt, Flax, and Salt Typhoon cyberattacks which targeted critical American communications, energy, transportation, and water infrastructure.”

“Given the criticality of routers to the successful functioning of our nation’s economy and defense, the United States can no longer depend on foreign nations for router manufacturing,” reads another passage.

It is true that a great many router vulnerabilities have surfaced over the years, which make them a popular target for hackers and botnets. It is also true that one China-founded company, TP-Link, is dominant in the US consumer market; US authorities had previously considered a specific TP-Link ban due to that dominance and national security concerns. (TP-Link has been attempting to distance itself from China, splitting off from the Chinese entity in 2022, establishing a global headquarters in California in 2024, and suing Netgear in 2025 for suggesting that TP-Link had been infiltrated by the Chinese government.)

It is not clear how simply moving production of routers domestically would make them safer. In the Volt Typhoon hack, Chinese state-sponsored hackers primarily targeted Cisco and Netgear routers, routers designed by US companies, according to the Department of Justice. They were vulnerable because those US companies had stopped providing security updates to the specific targeted routers, which had been discontinued by those companies.

While the FCC’s Covered List makes it sound like the US is banning all “routers produced in a foreign country,” it’s defined a bit more narrowly than that. It’s specifically banning “consumer-grade routers” as defined in NIST Internal Report 8425A, which refers to ones “intended for residential use and can be installed by the customer.”

“Virtually all routers are made outside the United States, including those produced by U.S.-based companies like TP-Link, which manufactures its products in Vietnam,” reads part of a statement from TP-Link via third-party spokesperson Ricca Silverio. “It appears that the entire router industry will be impacted by the FCC’s announcement concerning new devices not previously authorized by the FCC.”

Update, March 23rd: Clarified how TP-Link has distanced itself from China, and added company statement.

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Sean Hollister

Technology

ATM jackpotting attacks surge across the US

Published

7 hours ago

March 24, 2026

Press Room

ATM jackpotting attacks surge across the US

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You swipe your card and enter your PIN. You grab your cash and head out the door. It feels routine and secure. Most of us never give it a second thought. However, some ATMs are quietly being turned into cash machines for criminals.

The Federal Bureau of Investigation recently issued a cybersecurity alert about a rise in malware attacks targeting ATMs. These incidents are known as jackpotting attacks. In simple terms, hackers force machines to spit out money on command.

The numbers are growing. Since 2020, nearly 1,900 attacks have been reported. More than a third occurred just last year. In 2025 alone, losses have already exceeded $20 million. So what is really happening inside these machines, and why is the threat accelerating now?

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HOW DEBIT CARD FRAUD CAN HAPPEN WITHOUT USING THE CARD

The FBI warns of rising ATM “jackpotting” attacks, where hackers force machines to dispense cash using malware. (TIM SLOAN/AFP via Getty Images)

How ATM jackpotting attacks work

This is not a Hollywood hacking scene. In many cases, attackers use generic keys to open the ATM’s maintenance cabinet. Once inside, they remove the storage drive. Then they load malware onto it or swap it with a compromised one.

After rebooting the machine, the malicious software takes control. One of the most widely used tools is a malware strain called Ploutus. It targets software known as XFS, which ATMs use to communicate with bank networks and authorize transactions.

Instead of asking the bank for permission, the malware overrides that process. It sends its own commands to the machine. The result? The ATM dispenses cash without a card, without an account and without a legitimate transaction. That is jackpotting.

Why are so many ATMs vulnerable?

Here is the uncomfortable truth. Many ATMs run on aging versions of Windows. Some machines have even displayed Windows 7 login screens. That operating system was released in 2009 and officially discontinued years ago.

Outdated software creates opportunity. If attackers find a vulnerability in the Windows operating system, they can exploit it across different ATM brands and financial networks. The FBI says these attacks are not tied to one specific bank or ATM manufacturer. Instead, they target common weaknesses shared across systems.

That makes the problem much bigger. And with hundreds of thousands of ATMs deployed across the U.S., upgrading and securing every machine will take time.

FEDS CHARGE 87 INDIVIDUALS IN MASSIVE ATM ‘JACKPOTTING’ OPERATION LINKED TO TREN DE ARAGUA GANG

Nearly 1,900 ATM jackpotting attacks have been reported since 2020, with losses topping $20 million in 2025 alone. (Robert Alexander/Getty Images)

What banks are being told to do

The FBI has outlined several defensive steps for financial institutions:

Monitor ATMs for unauthorized files and suspicious executables
Disable USB ports to prevent malware loading
Replace generic locks with keypad systems
Add secondary alarms and enhanced physical security

These are practical fixes. But rolling them out nationwide is a slow process. Meanwhile, attackers continue to look for weak targets.

Why this still matters to you

You might be thinking this sounds like a bank problem, not a personal one. Technically, consumers are not the direct victims in these cases. Unlike Bitcoin ATM scams that have cost individuals hundreds of millions, jackpotting attacks hit financial institutions. However, there is a ripple effect.

When banks lose money, insurance companies pay claims. Eventually, those costs show up somewhere. Higher fees. Increased service charges. Stricter policies. In the end, everyday customers absorb the impact. Cybercrime rarely stays contained.

HOW TO SAFELY VIEW YOUR BANK AND RETIREMENT ACCOUNTS ONLINE

Cybercriminals are exploiting outdated ATM software to override bank controls and trigger unauthorized cash withdrawals. (Justin Sullivan/Getty Images)

How to protect yourself when using ATMs

While ATM jackpotting attacks primarily target banks, you can still take smart steps to protect yourself when using cash machines.

1) Use ATMs in well-lit, secure locations

Choose machines inside bank branches or in busy areas with foot traffic. These locations are more likely to be monitored and maintained.

2) Avoid late-night or isolated ATMs

Criminals need physical access to tamper with machines. High traffic areas during regular business hours reduce that risk.

3) Watch for unusual ATM behavior

If a machine suddenly reboots, freezes or behaves strangely, stop immediately. Do not insert your card. Report the issue to the bank right away.

4) Look for signs of tampering

Check for loose panels, exposed wiring or unusual attachments near the card slot or keypad. If something looks off, use a different machine.

5) Cover the keypad when entering your PIN

Shield your PIN with your hand as you type. This protects you from hidden cameras and shoulder surfers who may try to capture your code.

6) Set up real-time transaction alerts

Enable text or app notifications for withdrawals and account activity. Instant alerts help you act quickly if anything unexpected appears.

7) Check your bank statements regularly

Even though jackpotting bypasses customer accounts, fraud tactics evolve. Review your transactions often so you can catch unauthorized charges early.

8) Consider identity theft monitoring

Identity theft protection services can provide alerts about unusual financial activity across your accounts. Think of it as an added layer of awareness rather than a fix for ATM malware. See my tips and best picks on Best Identity Theft Protection at Cyberguy.com.

9) Use contactless or in-app ATM withdrawals

Many banks offer cardless access through secure mobile apps. This reduces exposure to skimming devices and physical tampering.

10) Keep your banking app updated

Install updates promptly to ensure you have the latest security patches and protections.

Staying alert lowers your risk and reinforces good habits, even when attackers are targeting financial institutions rather than individual customers.

Kurt’s key takeaways

ATM jackpotting attacks reveal something important. Even familiar machines can hide modern vulnerabilities. Most of us rarely think about the software running inside a cash dispenser. Yet those systems rely on the same operating foundations as home and office computers. When they fall behind on updates, criminals notice. The FBI alert is not a reason to panic. It is a reminder that digital security touches nearly every part of daily life, even the simple act of withdrawing cash.

How much trust do you place in the technology you use every day without ever seeing how it works? Let us know by writing to us at Cyberguy.com.

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Technology

Two of my favorite color e-book readers are the cheapest they’ve been in months

Published

19 hours ago

March 23, 2026

Press Room

Two of my favorite color e-book readers are the cheapest they’ve been in months

Color isn’t essential in an e-reader, but let’s be honest, it’s a nice perk that can bring digital books, magazines, comics, cookbooks, and other publications to life. The catch is that color ebook readers tend to be substantially pricier, which makes today’s deals stand out. Right now, the Kindle Colorsoft (16GB) and Kobo Libra Colour are matching their lowest prices to date, with the Amazon e-reader going for $169.99 ($80 off) at Amazon and Best Buy, and the Libra Colour going for $199.99 ($30 off) via Rakuten’s online storefront.

At their core, both are excellent e-readers with 7-inch, 300ppi E Ink displays, which drop to 150ppi when viewing color. The Colorsoft’s display is slightly more vibrant in most instances, but the difference isn’t dramatic. Each also offers IPX8 water resistance, so you don’t need to worry about spills and can comfortably read in the bath or by the pool.

Which one makes more sense for you largely depends on where you buy your books, how much storage you need, and whether you like to take notes. The Colorsoft is great if you’re heavily embedded in Amazon’s ecosystem, as buying and accessing Kindle books is intuitive and doesn’t require any sideloading. As the more affordable option in Amazon’s lineup, the standard Colorsoft delivers a nearly identical reading experience to the Signature Edition, and it supports Amazon’s “Send to Alexa Plus” feature, which lets you send notes or documents to Amazon’s AI-powered assistant for summaries, to-do lists, reminders, and more. The downside is that it lacks wireless charging and an auto-adjusting front light — which are standard on the step-up model — and comes with 16GB of storage instead of 32GB.

That said, if I didn’t already own so many Kindle books, the Libra Colour would be my pick. It offers double the storage at 32GB and includes intuitive physical page-turn buttons. You can also write notes while reading, given that it offers stylus support, and it includes built-in notebook templates, as well as the ability to convert handwriting to typed text. It also supports EPUB and a wider range of file formats, and lets you save articles for offline reading with Instapaper. And it also offers adjustable warm lighting, which makes reading at night a little easier on the eyes.