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Technology
Sneaky scammers drain bank account in sinister phone phishing scheme
We often receive text alerts from our banks about potential fraudulent transactions.
While these notifications are meant to protect us, they can sometimes be exploited by savvy thieves.
Here’s a real-life example shared by Kevin from Dandridge, Tennessee, who wanted to let others know about these sneaky tactics so that they could protect themselves against these heartless scammers.
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A couple receiving text messages on their smartphones. (Kurt “CyberGuy” Knutsson)
The incident
Kevin shared a troubling experience where his wife received a text from their debit card bank questioning a potential fraudulent charge. This wasn’t unusual, as they had received similar notifications before and had to replace their cards. She responded with “NO,” indicating that the transaction wasn’t theirs.
Shortly after, she received a phone call from what she thought was the bank. However, the call was from the thieves, who cleverly posed as bank representatives. They didn’t ask for account numbers or passwords but instead requested the answer to a “secret question” that was legitimately set up when the account was created.
Once the thieves had this information, they shut off notifications, transferred funds between accounts, set up an ACH transfer and withdrew most of the funds. Fortunately, Kevin’s wife checked their accounts daily and quickly noticed the suspicious activity.
They filed a report with the Internet Crime Complaint Center (IC3) and a local police report. The IC3 is a partnership between the FBI and the National White Collar Crime Center, providing a way for individuals to report cyber crimes, including online fraud and identity theft. The bank’s fraud department was able to retrieve the funds from the receiving bank. However, the experience was time-consuming and stressful.
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A woman receiving text messages on her cellphone. (Kurt “CyberGuy” Knutsson)
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Why scammers specifically ask for secret questions
Scammers often ask for the answers to secret questions because these answers can provide them with a crucial piece of information needed to access your accounts. Secret questions are typically used as an additional layer of security for account recovery or verification processes. By obtaining this information, scammers can bypass other security measures and gain unauthorized access to your accounts. Kevin’s experience highlights why scammers target secret questions:
Exploiting trust: Scammers often pose as legitimate representatives from your bank or other trusted institutions. By asking for the answer to a secret question, they exploit your trust and the perceived legitimacy of the request. Kevin’s wife thought she was speaking with the bank when, in reality, she was talking to the thieves who had cleverly mimicked the bank’s procedures.
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Bypassing security measures: Once scammers have the answer to a secret question, they can use it to reset your password or verify your identity, effectively bypassing other security measures that are in place to protect your account. This is exactly what happened to Kevin’s wife; the scammers used the answer to the secret question to shut off notifications, transfer funds and set up an ACH transfer.
Easier to guess or find: Unlike passwords, which are often complex and unique, the answers to secret questions can sometimes be easily guessed or found through social engineering. For example, common questions like “What is your mother’s maiden name?” or “What was the name of your first pet?” might be discoverable through social media or public records. In Kevin’s case, the scammers cleverly posed as bank representatives and asked for the answer to a secret question that was legitimately set up when the account was created.
Understanding why scammers ask for secret questions can help you be more cautious and protect your sensitive information. Always be wary of unsolicited requests for personal information, and verify the legitimacy of the request through official channels. Kevin’s story serves as a powerful reminder to stay vigilant and protect your financial security.
A woman texting on her cellphone. (Kurt “CyberGuy” Knutsson)
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Tips to protect yourself
Protecting yourself from fraud requires vigilance and proactive measures. Here are 11 essential tips to help you stay safe:
1. Verify text notifications: Use your bank’s official app or website to verify any text notifications you receive. This ensures that you’re interacting with a legitimate source and not a scammer. If in doubt, contact your bank directly using the phone number listed on their official website. If you can, it would be ideal to have a trusted contact at your bank whom you can call to confirm any text notifications you receive. This ensures that you’re speaking with a legitimate representative.
2. Never share secret answers: Never give out the answer to your secret question over the phone in a call you didn’t initiate, even if the caller seems legitimate. If you contact a bank call center, these questions are needed to authenticate your identity.
3. Hang up the phone and call the number of your bank from the back of your debit card or get your bank’s number from the bank’s official website. If you’re thinking of Googling the phone number you’re seeing on your phone display, think twice as scammers easily spoof the legitimate phone numbers of banks.
4. Turn on notifications on your bank app. Most banks will send a notice when any alerts are turned off or information is changed.
5. Regular account monitoring: Make it a habit to check your bank accounts daily. Early detection of suspicious activity can prevent significant losses.
6. Report suspicious activity: If you suspect fraud, report it immediately to your bank and local authorities. Quick action can help mitigate the damage.
7. Enable two-factor authentication (2FA): Whenever possible, enable 2FA on your bank accounts and other sensitive online accounts. This adds an extra layer of security by requiring a second form of verification, such as a code sent to your phone.
8. Use strong, unique passwords: Ensure that your passwords are strong and unique for each account. Avoid using easily guessable information like birthdays or common words. Consider using a password manager to keep track of your passwords securely.
9. Be cautious with public Wi-Fi: Avoid accessing your bank accounts or conducting sensitive transactions over public Wi-Fi networks. These networks can be less secure and more susceptible to hacking.
10. Regularly update your software: Keep your devices and apps updated with the latest security patches. This helps protect against vulnerabilities that could be exploited by cybercriminals.
11. Have strong antivirus software: The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have 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 2024 antivirus protection winners for your Windows, Mac, Android and iOS devices.
12. Remove your personal information from the internet: To reduce your online presence, consider using a data removal service. 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 the 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 here.
HOW TO PROTECT YOUR CREDIT AND BANK CARDS FROM GETTING HACKED
Kurt’s key takeaways
Kevin’s story is a reminder of how vigilant we need to be in protecting our financial information. Thieves are becoming increasingly sophisticated, and it’s crucial to stay one step ahead. By following the tips outlined above, you can significantly reduce your risk of falling victim to these banking scams. Remember, staying informed and proactive is your best defense against this kind of fraud.
Have you ever experienced a close call with a scam? What did you learn from that experience? Let us know by writing us at Cyberguy.com/Contact
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These days, it seems I cannot escape peptides. Online, I’ve been assaulted by videos of shirtless Chads injecting dubiously sourced bottles of the so-called “Wolverine stack.” On the New York City subway, I’m haunted by Serena Williams’ Ro ads for easy GLP-1 access. Silicon Valley seems to be a parade of peptide parties. In Washington, RFK Jr. has said he’s pro-peptide and wants to expand access. In July, the FDA will meet to possibly reclassify 14 peptides so they can be eligible for compounding.
And in Hollywood, Gwyneth Paltrow — mother Goop, one of the original wellness influencers — is selling a series of peptide skincare products. Except, after some research, I’m not sure Paltrow actually understands what peptides are.
You might be wondering why I’m fixating on a Goop product in Optimizer. The short answer: While researching peptides for a forthcoming feature, I’ve descended into madness.
The longer answer is that peptide mania is central to Silicon Valley’s current fixation with longevity and metabolic optimization. As I’ve recently written, wellness trends increasingly inform new health tech features and gadgets that make up the wearable surveillance state. Peptides are also being framed on social media as an innovation that democratizes healthcare. (A similar rhetoric used to describe wearables!) It’s part of the wellness Wild West feedback loop that’s fueling Silicon Valley’s obsession with self-optimization. With that in mind, it’s worth examining how “peptide washing” has crept into various corners of the internet — and the resulting ripple effects.
While peptide shots are a relatively new trend, we’ve known about peptides and how they work for decades. They’re short chains of amino acids, which, in turn, make up proteins. In other words, building blocks for the building blocks. Because a peptide can be a chain ranging from two to roughly 100 amino acids, there are potentially trillions of peptides. Their main function is to act as messengers for various bodily functions. Some are naturally occurring and often come from the foods you eat. Others are made synthetically in a lab. The most famous ones include insulin and GLP-1 medications like semaglutide (Ozempic and Wegovy) and tirzepatide (Zepbound and Mounjaro).
What’s taking social media by storm are peptides that exist in legal gray areas. They’re not widely tested or FDA-approved drugs, and are sometimes sourced from dubious suppliers. I’ve previously written about retatrutide — another popular weight loss peptide — in Optimizer, but there’s a whole slew of others with names that sound vaguely like Star Wars droids. The most popular ones include BPC-157, TB-500, GHK-Cu, and CJC1295. These peptides are touted as biohacks for ailments ranging from fat loss and muscle growth, to faster wound healing, anti-aging, and increased energy. Essentially, everything associated with living a longer, healthier life. Lumped alongside these is NAD+, which is not a peptide but is often marketed as one. That’s partly because it’s frequently consumed as an IV drip and is thus an injectable substance.
But just because you can inject something, that doesn’t make it a peptide.
Do you have experience using peptides?
Or extremely strong feelings about this trend? I’m researching this phenomenon and I’d love to chat with you. Hit me up at victoria.song@theverge.com or on Signal at @ vicmsong.14.
NAD stands for nicotinamide adenine dinucleotide. It’s a coenzyme — basically an enzyme booster — that’s found in every cell. Its primary job is to help convert food into energy. It does this by shuttling electrons from one chemical reaction to another. As you age, your NAD levels naturally decline. This can lead to an array of conditions associated with aging, like Type 2 diabetes, lower energy levels, and saggy skin. Not to get too weedsy, but the + in NAD+ simply denotes one of two versions of the NAD molecule. (The other is NADH.)
Which, finally, brings me to the Goop Youth Boost NAD+ Peptide Rich Cream and whether Gwyneth Paltrow actually knows what a peptide is.
In my research, I was looking into influential people who have spoken out about peptide injections. There’s a long list, but in Hollywood, Paltrow’s name kept popping up. Cue this recent Elle interview, in which Paltrow plays a “fuck, marry, kill” game with wellness trends.
From the get-go, the Elle article incorrectly identifies NAD+ as a peptide. Paltrow is then quoted as saying she uses NAD+ IV drips and an injectable NAD+ pen for impromptu energy boosts. She goes on to say that injectable peptides dealing with inflammation and brain health that are “being formulated for longevity” will be the next NAD+. In the fuck, marry, kill game, Paltrow is asked to choose between NAD+, B12, and peptide shots. She refuses, saying she’d marry them all.
What’s worrisome is the conflation of these treatments, even though they’re three separate things. It’s easy for the average person to read this article and think, “NAD+ is a type of peptide shot and a rich, glamorous celebrity like Gwyneth Paltrow does it, so this must be their secret to looking good.”
(For the curious: B12 is a vitamin. Supplementation can boost energy if you have a B12 deficiency, which is relatively common in the elderly, vegetarian, and vegan populations. As for NAD+, there’s considerable research interest, but limited clinical evidence for drips or supplements at the moment. I wrote a whole Optimizer newsletter about dubious peptide shots.)
From this interview, I get the sense that Paltrow knows that peptides are trendy, but she doesn’t actually admit to using any specific one. After some more digging, I found she has stated that she loves glutathione IV drips. Now, that is a peptide. However, she characterized her usage as “I love IV drips!” so, again, I’m not sure if Paltrow is aware that IV drips and peptides are not the same thing. Upon looking into her “peptide-rich” moisturizer, I’m even less certain.
Calling it a “Youth Boost NAD+ Peptide Rich Cream” would suggest this $105 moisturizer has both NAD+ and a bunch of peptides. Peruse the ingredient list, and you’ll find it doesn’t even have NAD+. It has NMN, or nicotinamide mononucleotide, a precursor (another kind of building block) for NAD+. As for its peptide content, the marketing claims the cream features “biomimetic plant-derived peptides.” Again, the list only refers to one true peptide molecule: arginine/lysine polypeptide. (A polypeptide is a longer peptide; this one supposedly helps with wrinkles.) It also appears last. In skincare, the ingredient list is generally ordered in terms of concentration. The top three to five ingredients make up the bulk of the formula. One hack is to find the so-called “one percent line”, which you can estimate from when the first preservative or fragrance appears. Given how this list is written, this is a standard moisturizer with a teeny sprinkle of a single peptide thrown in for marketing flavor. Even if there was a more potent amount, peptides are delicate molecules. Effectiveness for any topical skincare active — be it peptides or salmon sperm DNA — depends on stable formulation, concentration, whether the molecule can penetrate the skin barrier, and packaging that prevents degradation.
In any case, I reached out to Goop to clarify the peptide content in this cream. I have not heard back.
The only thing I can conclude is Paltrow isn’t afraid to try fringe wellness trends. (That and she loves an IV drip.) If someone handed her a peptide shot with the promise of energy and youth, I’d bet she’d do it. But do I think a peptide-curious person could ask her to explain the pros and cons of this trend based on her public statements? Now that’s a bet I would not take.
I could be wrong. In which case, I find her statements and her moisturizer to be disappointing given her status and influence. Case in point, the average person likely isn’t going to go through the trouble of accessing gray market peptide vials. They probably won’t be able to afford the same quality treatments as Paltrow, either. But a so-called peptide cream from a celebrity? That’s easily accessible. And in this particular case, that consumer wouldn’t be getting much of the thing they purportedly want to try.
More concerning is the flattening of any injectable as a peptide. Paltrow showing up to a podcast with an IV drip, speaking of peptides, phospholipids, and regular vitamins in a single breath? That’s confusing. It conflates relatively harmless therapies — like vitamin supplementation — with those that aren’t as well-studied. And the more influential people do this, the more regular people will too.
Peptides aren’t inherently dangerous. Injections aren’t evil. But the way peptide mania has made a more extreme, experimental trend as casual as taking a multivitamin? That feels like the slipperiest of slopes.
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A new move from the Federal Communications Commission is being framed as a national security step. But if you already have a router at home, the bigger question is simple: how long will it keep getting security updates?
The FCC recently updated its “Covered List” to include routers produced in foreign countries, which blocks new models of that covered equipment from being approved for sale in the U.S.
At the same time, the FCC made something else clear. This change does not affect routers you already own, and it does not stop retailers from continuing to sell models that were previously approved.
So nothing shuts off overnight. However, the policy introduces a new layer of uncertainty around how long some devices will continue receiving updates.
IS YOUR HOME WI-FI REALLY SAFE? THINK AGAIN
The FCC’s router move targets future approvals, not the device already running your home Wi-Fi. Existing models can still be used and sold while update rules keep evolving. (kazakova0684/Getty Images)
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What the FCC router rule actually changed
The policy focuses on future device approvals, not the devices already in your home.
Here is what the FCC says in plain terms:
- Existing routers can still be used
- Previously approved models can still be sold and imported
- New covered models cannot receive FCC authorization
This action is tied to national security concerns about supply chain risks, not a product-by-product security test of individual routers. The key takeaway is this: your current router is not banned, recalled or disabled.
Why the FCC router rule raises update concerns
The real issue is not about using your router today. It is about future software and firmware updates. Alongside the policy change, the FCC issued a temporary waiver. That waiver allows existing routers to continue receiving updates that patch vulnerabilities, maintain functionality and ensure compatibility with operating systems. Right now, that waiver runs through at least March 1, 2027.
That date is not a guaranteed cutoff. The FCC has said it will re-evaluate the policy before then and may extend or modify the waiver. So the situation is still evolving.
How the FCC router rule could affect your router security
Your router is the gateway to everything connected in your home. Phones, laptops, smart TVs and cameras all depend on it. When a vulnerability is discovered, a software update is usually what fixes it.
If updates slow down or stop, the risk builds over time. That does not mean your router suddenly becomes unsafe. But it can become easier for attackers to exploit known flaws.
Even the FCC acknowledged this in its waiver, noting that continued updates help mitigate harm to consumers and support essential security functions. So the concern is not immediate. It is about what happens over time if support policies change.
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The FCC says home routers already in use can stay in use, but future support for some models now depends on waivers and conditional approvals. (deepblue4you/Getty Images)
Why the FCC is making exceptions for some routers
One important wrinkle is that the FCC has already begun granting conditional approvals for some devices. In April 2026, the agency approved certain products from NETGEAR and Adtran to continue operating under specific conditions through October 1, 2027.
That shows this is not a one-size-fits-all rule. Instead, it is an evolving policy where some devices may continue receiving support while others may face tighter restrictions.
What the FCC says about router risks and next steps
The FCC says the decision is based on national security concerns, including supply chain vulnerabilities and potential cybersecurity risks tied to certain foreign-produced equipment.
At the same time, the policy includes a path for exceptions. Companies can seek conditional approvals through federal agencies, and regulators can revisit the rules as more information becomes available.
That means the final impact will likely depend on how those decisions play out over time.
8 ways to protect your network after the FCC router rule
Until there is more clarity, a few simple steps can help keep your home network secure.
1) Check how long your router is supported
First, find your router’s exact model number. You can usually see it on a label on the bottom or back of the device. Next, go to the manufacturer’s website, such as NETGEAR, Linksys or TP-Link, and search for that model. Open its support page and look for sections like Support, Downloads, Firmware or End of Life. Then, check for a support timeline, the date of the most recent firmware update or any notes saying the product is no longer supported. If you cannot find clear information, that is a warning sign that your router may not receive regular security updates.
2) Keep your router updated
Next, log into your router settings. To do this, open a web browser and type your router’s IP address into the address bar. Common ones include 192.168.1.1 or 192.168.0.1. Then sign in using your admin username and password. Once you are in, look for sections labeled Firmware, Software Update or Administration. Check for available updates and install them if needed. If your router supports automatic updates, turn that on. This helps close security gaps quickly without you having to check manually. If you are not sure where to find these settings, you can also use your router’s mobile app if it has one, which often makes updates easier.
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Security updates remain the key protection for home routers as the FCC blocks new authorizations for covered foreign-produced models. (Kevin Dietsch/Getty Images)
3) Plan ahead for replacement
If your router is already a few years old, start planning for a replacement. Do not wait until updates stop. Instead, look for models with clearly stated support timelines. Check out our picks for the Top Routers for best security at cyberguy.com
4) Secure your devices as a backup layer
Your router is the first line of defense. However, your devices matter too. Keep your phone, computer and tablet updated. Also, use strong antivirus software to help catch threats that slip through. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android & iOS devices at Cyberguy.com
5) Review connected devices
From time to time, check what is connected to your network. You can do this in your router settings under “Connected Devices” or in your router’s app. If you see anything unfamiliar, remove it right away.
6) Use strong passwords
Create a strong Wi-Fi password and a separate admin password for your router. Avoid using default credentials. A password manager can help you generate and store secure logins. Check out the best expert-reviewed password managers of 2026 at Cyberguy.com
7) Turn off remote access
First, log into your router settings using a web browser. Type your router’s IP address, such as 192.168.1.1 or 192.168.0.1, into the address bar and sign in with your admin credentials. Next, look for settings labeled Remote Access, Remote Management, Web Access from WAN, or Cloud Access. These are often found under sections like Advanced, Administration or Security. Then, turn that setting off and save your changes. This prevents your router from being accessed from outside your home network. If you cannot find the option, check your router’s mobile app or the manufacturer’s support page. Some routers hide this setting or disable it by default.
8) Restart your router regularly
First, unplug your router from the power outlet. Wait about 30 seconds to let it fully shut down. Next, plug it back in and wait a few minutes for it to reconnect to the internet. You can also restart your router through its settings. Log in, then look for options like Reboot or Restart under sections such as Administration or System. Doing this every few weeks can help apply updates and clear temporary issues that may affect performance or security. If your router supports scheduled reboots, you can turn that on to automate the process.
Kurt’s key takeaway
This is not a situation where your internet suddenly becomes unsafe. There is no recall. There is no shutdown. Your router will not stop working on a specific date. However, there is a new question mark that did not exist before. The Federal Communications Commission has created a system where future updates for some devices could depend on how the rules evolve. That puts more importance on something most people rarely think about: how long their router will stay supported. For now, you still have time. The current waiver runs into 2027, and regulators have signaled they may revisit the policy before then. The smart move is simple. Know what you own, keep it updated and stay aware as this situation develops.
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As policies around your home tech change, how much responsibility should fall on regulators versus the companies that keep your devices updated? 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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