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Scammers are using DocuSign emails to push Apple Pay fraud

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Scammers are using DocuSign emails to push Apple Pay fraud

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Phishing scams are getting smarter, and one of the latest tricks involves fake DocuSign emails that appear to show charges from major companies like Apple. At first glance, these fraud messages look convincing, often including a receipt, order ID and even a support number. But instead of connecting you to Apple or another legitimate service, that number links you directly to scammers.

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DON’T FALL FOR THIS BANK PHISHING SCAM TRICK

All about the DocuSign & Apple Pay fraud

These phishing emails pretend to be billing receipts for recent Apple Pay purchases. They typically claim that a subscription has been charged to your account and prompt you to call a phone number if you do not recognize the charge.

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Scammers spoof Apple, Netflix, and other brands to push fake subscription charges posing as DocuSign. (Kurt “CyberGuy” Knutsson)

The emails often use well-known brands such as Apple, Netflix, Expedia, or even lawn service companies to make them seem credible. Some also include a “DocuSign” link with a security code, creating the illusion that you need to access a file to confirm the transaction.

In reality, neither Apple nor these other companies sends billing receipts through DocuSign. That detail alone is a red flag. Another telltale sign is the sender’s address. It may contain odd characters, such as a Cyrillic “B” replacing the “B” in “Billing,” which helps scammers bypass spam filters.

AMAZON ALERTS CUSTOMERS ABOUT IMPERSONATION SCAMS

How the DocuSign scam works

The scam aims to catch you off guard and pressure you into acting fast. The email claims your Apple Pay account has been charged for a subscription or purchase. It includes an order ID, a charge amount, and a DocuSign link that supposedly holds a receipt or confirmation file. To make it look even more convincing, some versions add a security code to “unlock” the document.

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The message also lists a phone number and urges you to call if the charge was not authorized. That number is the core of the scam. Instead of reaching Apple, Netflix or whichever company the email pretends to represent, you end up speaking with a scammer posing as a support agent.

Once you’re on the call, the scammer tries to convince you that your account has been compromised or that the payment must be reversed right away. From there, the tactics vary. They might ask for your Apple ID, banking details, or card numbers. They may pressure you to download remote access software so they can “fix” the issue on your device. In some cases, they demand payment for fake account protection or reversal fees.

DocuSign scam uses fake receipts and urgent language to steal personal information from users. (Kurt “Cyberguy” Knutsson)

The end goal is always the same: gain enough access to lock you out of your accounts, steal sensitive data, or initiate fraudulent transactions. What makes these scams dangerous is how they combine multiple red flags in one message: a realistic-looking receipt, official logos, a DocuSign link, urgent language, and a phone number that appears to be the quickest way to resolve the issue.

HOW TO TELL IF A LOGIN ALERT IS REAL OR A SCAM

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5 ways to stay safe from the DocuSign scam

Scammers rely on people reacting quickly without questioning the details. The good news is that there are simple steps you can take to protect yourself. Here are five practical ways to stay safe.

1) Inspect the sender address carefully

Scammers often use email addresses that look close to official ones but contain subtle differences, such as extra letters or swapped characters. If the email does not come from an official domain like @apple.com, it is not legitimate.

Fraudulent billing emails claim Apple Pay charges and link victims to fake support lines using DocuSign. (Kurt “CyberGuy” Knutsson)

 2) Know how companies send receipts

Apple, Netflix, and other major services do not send billing statements through DocuSign. If a receipt shows up in this format, you can safely assume it is a scam. Real receipts always come directly from the service provider itself.

3) Watch out for phishing links and use strong antivirus software

Be cautious with any links in suspicious emails. Scammers often mask harmful links behind text that looks legitimate, such as “View Document” or “Review Payment.” Hover over the link without clicking to see the real web address. If it does not match the official company domain, do not click.

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The best way to safeguard yourself from malicious links 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 & iOS devices at CyberGuy.com.

4) Double-check your transaction history

Instead of trusting the email, confirm whether a charge actually exists. Apple users can review purchases directly from the Settings app under their Apple ID. If nothing shows up, the receipt is fake. Other services have similar ways to check history.

5) Delete personal data from the internet

The less information scammers can find about you online, the harder it is for them to craft convincing attacks. Consider removing old accounts you no longer use, limit the personal details you share publicly on social media, and use data removal services when possible. This reduces the risk of your name, email, or phone number being targeted in scams like this.

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.

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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.

Kurt’s key takeaway

Phishing scams are constantly evolving, and the DocuSign Apple Pay ruse is just one of many. The best defense is a healthy dose of skepticism. If something feels off, stop, double-check, and confirm directly through official channels. Scammers rely on panic and quick reactions. By slowing down and verifying details, you can protect yourself from falling into their trap.

Should email providers step up their filters so fewer of these messages slip through? Let us know by writing to us at Cyberguy.com.

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Copyright 2025 CyberGuy.com.  All rights reserved. 

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Technology

Medical identity theft follows you into the doctor’s office

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Medical identity theft follows you into the doctor’s office

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The Justice Department recently charged 455 people in its annual National Health Care Fraud Takedown. The cases involve more than $6.5 billion in alleged false claims. More state Medicaid units took part than in any prior year. Ninety of the accused are doctors or other licensed medical professionals. The DOJ says prosecutors still must prove the charges in court.

Many schemes used other people’s medical identities. Prosecutors also added aggravated identity theft charges in cases across dozens of states. In one case, the co-owner of a Virginia mental health company allegedly paid homeless people with hotel stays. Prosecutors say the company used their Medicaid numbers, then billed Medicaid for crisis services the patients never got.

For the people whose numbers got used, the case file may eventually close. Their medical records may not be so easy to fix. Once someone else’s treatment shows up under your name, it can add wrong information to your chart. It can also use up insurance benefits you may need later. That is harder to undo than canceling a credit card.

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DR OZ WARNS MEDICARE SCAMMERS ARE STEALING BILLIONS — AND YOUR PERSONAL INFORMATION COULD BE NEXT

Medical identity theft can put someone else’s claims, prescriptions or diagnoses into your health records, creating problems that can follow you into a doctor’s office. (iStock)

The identity thief’s treatment gets written into your file

Medical identity theft happens when someone uses your name, Social Security number (SSN), health insurance account number, or Medicare number to see a doctor, fill a prescription, buy medical equipment, or submit a claim, according to the Federal Trade Commission (FTC).

When care is billed under your name, the thief’s health information can blend into yours. The FTC warns that mixed records can affect the care you’re able to get and the benefits you are able to use. A blood type, a drug allergy, a diagnosis, or a prescription that belongs to a stranger can sit in the file a physician reads before treating you.

Data breaches can feed the market for medical identity theft

Hospitals and insurers hold the exact records that make the fraud work, and those records are stolen often. This does not mean every healthcare breach leads to fraud. However, it explains why your insurance number, Medicare number, SSN and medical records can become valuable long after a breach notice arrives.

This spring, NYC Health + Hospitals reported that an intruder had copied files that may have included health insurance information, medical information, biometric data, billing data and other personal information. The breach was later reported to affect roughly 1.8 million current and former patients and employees.

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Once a name, SSN, insurance number, Medicare number or medical record reaches a criminal marketplace, it can be resold to operators who bill under someone else’s identity.

Treat your insurance card like a credit card

Your health insurance and Medicare numbers are what these operations need, so the FTC recommends guarding them the way you would a payment card.

  • Keep enrollment forms, benefit statements, and prescription labels somewhere secure, and shred them before throwing them out.
  • When a doctor’s office asks for your SSN, ask whether it can use another identifier or the last four digits instead.
  • Be wary of anyone who calls, texts, or emails offering free braces, genetic tests, or medical supplies in exchange for your Medicare number; several of the schemes in the June takedown billed Medicare for exactly those items.
  • If you are on Medicare, create or log in to your secure Medicare account and review your claims. You can also check your Medicare Summary Notice for services, supplies or equipment you do not recognize. If something looks wrong, call 1-800-MEDICARE.

HOSPICE FRAUD USES STOLEN IDENTITIES FOR FAKE PATIENTS

Experts urge patients to treat insurance cards like credit cards and quickly challenge unfamiliar medical bills, claims or benefits notices. (iStock)

Your credit report may never flag this fraud

Because a fraudulent medical claim runs through insurance and provider systems instead of a credit check, it skips the alerts most people rely on.

Here’s what the FTC says you should look out for:

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  • A bill or an Explanation of Benefits (EOB) statement for care you never received
  • A call from a debt collector about a medical debt you do not owe
  • A medical collection you do not recognize on your credit report
  • A notice from your insurer that you have reached your benefit limit
  • A Medicare Summary Notice that lists services, supplies or equipment you never received

What to do first if a medical claim looks wrong

If a bill, EOB or Medicare notice shows care you never received, move quickly and keep everything in writing.

1) Call your insurer or Medicare directly

Call your insurer or Medicare using the number on your card, not a number from a random text, email or voicemail.

2) Get the claim details

Ask for the provider name, date of service, claim number and service details.

3) Request the records in writing

Contact the provider in writing and request the medical or billing records tied to that claim.

4) Report the error

Report the error to your insurer’s fraud department.

5) File an identity theft report

File a report at IdentityTheft.gov if your medical identity was used. That gives you a recovery plan and documentation you may need if fraudulent bills or collections show up later.

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6) Save every document

Keep copies of every bill, EOB, letter, portal message, police report and case number.

Correcting a medical file is slower than disputing a charge

Request your records from every provider, clinic, pharmacy, lab and insurer the thief may have used, then report each error in writing. Under HIPAA, a provider generally has 30 days to give you access to your records after a written request, with a possible 30-day extension.

Fixing the record itself can take longer. HHS says a covered provider or health plan usually has up to 60 days to act on a request to amend a medical record, with a possible 30-day extension in certain cases. If the provider or plan created the wrong information, it must amend inaccurate or incomplete information.

There’s one catch, though: a provider may refuse to release records that now contain a stranger’s information, citing that person’s privacy. If that happens, ask for the provider’s privacy officer or patient advocate. You can also file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights if you do not get your records or an explanation within the required window.

TEXAS DATA BREACH HITS 3M LICENSE CUSTOMERS

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Stolen Medicare, Medicaid or insurance numbers can be used to bill for care, medical equipment or prescriptions patients never received. (kali9/Getty Images)

A credit freeze alone won’t stop a claim under your insurance

A freeze blocks new accounts, but it does nothing about a claim filed with your insurance number. Because medical identity theft can move without touching your credit file, monitoring where your personal information appears is the earliest way to act on it.

An identity theft protection service can monitor the dark web, data broker sites and people-search sites for exposed SSNs, driver’s license numbers, medical ID numbers and email addresses. It can also track all three credit bureaus for medical collections that may follow and flag public-record changes tied to your name.

If misuse happens, some services include fraud resolution support to help you request records, dispute fraudulent claims and work with providers, insurers and credit bureaus. Some plans also include identity theft insurance for eligible recovery costs.

No service can prevent every misuse of your medical identity. However, ongoing monitoring may flag exposed information before another person’s treatment reaches your records and your insurance.

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See my tips and best picks on Best Identity Theft Protection at CyberGuy.com.

Kurt’s key takeaways

Medical identity theft hits in a place most of us rarely check: our health records. A stolen credit card can usually be canceled quickly. A stolen Medicare or insurance number can create fake claims, wrong diagnoses and benefit headaches that follow you long after the fraud case ends. I would not wait for a credit alert here. Check your EOBs, Medicare Summary Notices and insurer portals for visits, prescriptions or equipment you never received. Also, treat your insurance card like a payment card. Do not give the number to anyone who calls, texts or emails out of nowhere with a free offer. The most important thing is to act fast. Call your insurer or Medicare, ask for the claim details and request your medical records in writing. Then file at IdentityTheft.gov, so you have the paperwork you need if fraudulent bills or collections show up later.

Have you ever spotted a medical bill, insurance claim or EOB for care you never received? 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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Meta is reportedly working on smart glasses that would be recording all the time

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Meta is reportedly working on smart glasses that would be recording all the time

Meta might be the next company to make an always-on AI wearable. The company is working on prototype “super sensing” always-aware smart glasses that could continuously record audio and snap photos “every few seconds,” according to the Financial Times. The wearer could then ask Meta AI about the captured audio and images.

However, the images and audio might not be directly available to the user. Here’s how the FT describes one way the glasses could use the data:

In one proposed system, raw footage and audio would not be stored by Meta or made available to the user, several people said. Instead, the metadata from that audio and images would be extracted and uploaded to the server for Meta’s AI to query, which proponents argue would have fewer privacy implications.

But currently, Meta is planning for the LED recording indicator to remain off in “super sensing” mode, the FT reports. In a July 2025 whitepaper, the company said that it would reserve the LED indicator for “active capture” scenarios where the user is saving photos or videos, and leave it off during “AI Feature” use — such as scanning a menu — to avoid users becoming too used to the indicator. (If the indicator was on during the “super sensing” mode, it might also be harder to know when the glasses are actually recording video.)

Meta is also discussing if it would use the captured data for training its AI models. It may also bring the “super sensing” features to glasses it has already released, the FT says.

“While we don’t comment on internal prototypes, we’re committed to getting our glasses right because they need to be loved by both people wearing them and those around them,” Meta spokesperson Dave Arnold says in a statement to The Verge. Arnold also notes that “Our approach has been to develop new technologies that will help people throughout their day, with privacy built in from the ground up.”

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Meta hasn’t been shy about some type of always-aware glasses being a possibility. CEO Mark Zuckerberg, in the company’s Q1 2026 earnings call, said that he was “really excited to see the glasses evolve from being able to answer questions to being able to be a personal agent that’s with you all day long, helping you remember things and achieve your goals.” In a March blog post about new Ray-Ban Meta glasses, the company wrote that “with ongoing software updates, Meta AI on glasses will transition from something you have to prompt with a question each time, to a more continuous, in-the-moment assistant that can help throughout the day.”

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Get a $30 credit when you reserve Samsung’s upcoming Galaxy phones

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Get a  credit when you reserve Samsung’s upcoming Galaxy phones

Even though they haven’t been officially announced yet, Samsung is giving you a chance to save some cash when you preorder what we’re expecting to be the brand’s updated Galaxy Z Fold phones. The next Galaxy Unpacked event will take place on July 22nd, 2026, and features the tagline “A new shape unfolds.” In addition to seeing updated versions of the existing Flip and Fold form factors, we anticipate the debut of a new, wider foldable phone. If you register your interest ahead of time and end up preordering one of the new phones shortly after they’re announced, Samsung will give you a $30 store credit at checkout.

There are some caveats to this offer. You have to use the credit when you preorder the phone. No saving it for later. Also, the credit can’t be applied to the cost of the phone either, so you’ll have to put it towards the cost of accessories or extra services. Samsung specifically calls out that select Galaxy rings, earbuds, watches, and tablets are eligible, or you can use it to help pay for Samsung Care Plus.

There are no downsides to registering your interest, so if you think you might be interested in buying one of the upcoming phones, it’s worth filling out the form. As long as you use the same email during checkout, the credit will be automatically applied.

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