June 11, 2024
Data Breaches and Fraud Prevention: Essential Tips
In this episode of "Let's Talk About Scams," host Joyce Petrowski, founder of R.O.S.E. Rose Resources / Outreach to Safeguard the Elderly, discusses recent scams targeting consumers, including the significant Ticketmaster data breach that compromised...
In this episode of "Let's Talk About Scams," host Joyce Petrowski, founder of R.O.S.E. Rose Resources / Outreach to Safeguard the Elderly, discusses recent scams targeting consumers, including the significant Ticketmaster data breach that compromised the personal information of 560 million customers. Joyce shares practical tips on how to protect yourself from fraud, such as monitoring your credit reports, setting up alerts on your credit card accounts, and using multi-factor authentication. She also discusses best practices for securing mobile devices against hackers, touching on the importance of timely updates and antivirus software. Additionally, Joyce highlights common PayPal scams and provides strategies to avoid falling victim to them. Throughout the episode, she emphasizes the importance of vigilance and offers actionable advice to keep personal information safe. Episode Takeaways
- Set up transaction alerts with credit card companies to detect fraudulent activity.
- Use multi-factor authentication on financial accounts for added security.
- Regularly update mobile devices and use antivirus software to prevent hacking.
- Beware of phishing scams and suspicious links, especially related to PayPal.
- Utilize credit reporting services like Experian & the Experian Mobile App: Experian
- Microsoft & Google Authenticator Apps: Available on your phones App Store
- Paypal Safeguard Program: Learn more
- Credit Card Alerts: Set up on your bank's website or mobile app
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Welcome back everyone to Let's Talk about Scams. I'm your host,
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Joyce Petrowski, founder of Rose Resources Outreach to Safeguard the Elderly.
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You can find more information on our website at Roseadvocacy
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dot org. You can sign up for our newsletter, find
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our social media links, and don't forget you're going to
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want to click subscribe so you don't miss an episode
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of Let's Talk about Scams. So today I've got a
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variety of things I want to talk to you guys
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about and share some information. So the first thing is,
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are you or have you been a customer of Ticketmaster.
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I'm sure most of you have already heard by now
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Ticketmaster had a data breach and five hundred and sixty
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million customers records were compromised. That includes names, addresses, phone numbers,
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and payment information which is probably mostly credit cards, but
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there might be some debit cards in there as well.
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So what can you do to protect yourself with this? Well,
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you're going to want to monitor your credit reports. You
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can go on to the three different credit reporting agencies Experience, Equifax,
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and TransUnion and you can request a credit report. It's
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free to request it and you can just go down
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and review it for accuracy to make sure no one
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has opened up any credit in your name. You can
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also monitor your credit card activity. You can call the
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credit card company. I would suggest you look on your
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statement for the phone number, because the phone number on
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the back of your credit card is so darn small
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it's hard to read without a magnifying glass. But anyways,
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I would call the credit card company and I would
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ask them to put an alert on your account that
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you want to be notified of any transaction that happens
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on your account. I know personally, I do that, and
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I get an email every time there's a transaction, and
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then I can see if it's a valid transaction or
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if it's a fraudulent one, and if it's a fraudulent one,
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I can call the credit card company and I can
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stop the credit card right away. And this really helps
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prevent a lot of fraudulent charges from happening on your
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credit card. When you get those alerts and you can
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get notified right away, you'll know if someone's got your
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account number. Any accounts that you have, especially your financial accounts,
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your credit card accounts use multi factor or two factor authentication.
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You just go log into your account the way you
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normally would and go into your settings and just scroll
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down and see if they have it. They're available. Most
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accounts do have it now, but you have to turn
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it on and then you can tell if you want
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to get notified via text, message or email. Some of
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them will use just messages, some will use just emails,
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some will use a combination, but they also might use
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an authenticator app. So Google and Microsoft both have authenticator
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apps that you can download onto your phone and use
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those for these multifactor or two factor codes. It's an
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added layer of security and it's a great thing to
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have in place. If someone happens to get your log
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in information, they still can't get in unless they have
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that code. But you need to remember that that code
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is personal identifiable information and you are not to give
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it to anyone unless you know for sure that you
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are talking to someone at that account, whether it's a bank,
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whether it's a retailer's account, you know, another financial account,
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a credit card account, whatever it is. Unless you know
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for sure that you are talking to somebody from that business,
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you don't give that code to anyone, and then if
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you have done so, freezing your credit is a great
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prevention tool, I should say it's more of a protection tool.
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So you would have to do it at all three
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credit reporting agencies that's Equifax, Experience, and TransUnion. You are
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going to have to provide your social Security number, so
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you're going to want to make sure you are on
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the verified website for each one of those, or if
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you're calling to do it, make sure you are calling
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the verified phone number to all three of those. You
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have to do it at all three. They don't share information.
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And what that does is it freezes your credit from
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that day going forward. You can still use your existing credit,
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your credit cards, your debit card, all that stuff. You
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can still use your existing credit. It just is a
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great protection tool to have credit opened in your name
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that you didn't do, that was fraudulently opened. Now there
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is a way that that's not going to protect you.
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So if there's a creditor out there that is not
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going to run a credit check, they're just going to
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give the loan or whatever it is to somebody, then
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there isn't any way that that creditor is going to
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know your credit is frozen, and so they could go
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ahead and issue that credit to someone else in your name.
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But that's very few and far between. The majority of
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the creditors out there will do a credit check because
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they want to make sure that you are a good
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risk to pay back that loan or to pay the
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credit card payments, you know, whatever the debt is. And
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if your credit's frozen, the credit agencies are going to say, nope,
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you can't see their credit report. The credit is frozen,
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and so they're not going to have access to it
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unless you unfreeze your credit, which you can unfreeze it
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as well. You do it the same way you did
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to freeze it. So again you're going to want to
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make sure you're on the verified site, calling or calling
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the verified phone number, and you have to do it
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at all three of them. Once you do whatever it
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is you need to do with your credit, then refreeze
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it as an added protection tool. So now we are
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going to move on to cell phones. So the NSA
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came out with the Best Practices Guide for Mobile Phones
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a few years ago, but one of the things they
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talked about in there is still really good today because
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hackers are getting so much more creative at getting into
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your cell phone. So one way that they do this
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is they use zero click exploits, so the hacker does
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not need you to interact by clicking on something to
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take over your phone. They can use that to get
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into your phone, take over your phone. You might not
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even know they're in there. They can see through key logging,
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they can see all of your keystrokes, and they can
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get your login informations, you know, whatever you do on
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the phone. So whenever you get notified that there's an
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update with your phone, you need to make sure you
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do it right away because a lot of the times
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the Apple or Google, they're going to fix different bugs
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in the system. They're going to put patches in there.
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If they get notified that there's a bigger issue, you know,
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they're going to have patches in for those other bigger
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issues as well. They're also going to have new and
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improved items that are going to be available on your
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phone that will help you use your phone better. The
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other thing that you can do is regularly power down
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your phone. Just power it down, let it sit for
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five or ten minutes, or however long you want to
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let it sit. You want to let it sit overnight,
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let it sit overnight, but power it down, and then
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when you want, when you're ready, you can turn it
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back on. You can set a reminder on your calendar
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to do this, probably good to do it about once
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a week. The other thing is if you have an
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Android phone, so the Google Play, they have what's called
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a Google Play Protect, you should have that enabled because
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what that will do is it will be running and
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scanning on your phone with all of the apps that
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you've downloaded, searching for malware. And I believe it's free.
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So if you have an Android phone, you're definitely going
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to want to check into that and get that enabled
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on your phone. So if you have an Apple phone, there,
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Apple prevents iOS from scanning from malware, so you're going
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to want to make sure you have a good antivirus
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software on your phone. You might have it on all
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your other devices, but you want to make sure you
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have it on your phone as well. And make sure
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that whatever antivirus software that you get, once it's loaded
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onto your device your phone, that it is running all
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the time. You don't want it to just sit there
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and you have to manually go in and tell it
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to run, because then it's not scanning and always on
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the lookout for viruses and malware. So you want it
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running all of the time, so if you accidentally click
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on something, however, these viruses in malware are going to
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get on your phone. Your antivirus software automatically running, and
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it's going to notify you whoa wait a minute, are
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you sure you want to go to that site? Or
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are you sure you want to download this? You know,
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we think this has got malware on it or we've
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detected a virus on it, so it's going to warn you.
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So make sure your antivirus software is running all of
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the time. Last week, I received a call from Roger
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in Minnesota. He found us on the Internet and he
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wanted to let me know about a scam he had
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just encountered. So he receives a phone call and the
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gentleman says he's from the Federal Reserve and starts asking
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for information, and then he starts asking for a more
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personal information, and so Roger got very suspicious and asked
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him for his supervisor's name and phone number. So the
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gentleman gave it to him, and so Roger hung up,
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and he called this other gentleman on this other phone
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number at this other phone number, and he started talking
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to him, but he got really suspicious again and so
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he just hung up. Now that's a great thing because
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he is looking for red flags and he didn't, you know,
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he didn't believe everything the person was saying. What they
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were trying to do is say they were from the
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Federal Reserve and that he had some unclaimed lottery or
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sweepstakes winnings. So they were trying to entice him, trying
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to get him all excited that he's going to get
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this money. And you know, that's what scammers do. They
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play on your emotions. But luckily he didn't get too
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far into that emotion and he was able to still
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think rationally and tried to verify things. Number one suggestion
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for this is somebody you answer the phone and they
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say from that they're from the Federal Reserve. Just say no,
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you know, just hang up. The Federal Reserve is not
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going to call you. It's just not going to happen.
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So just hang up. If you have unclaimed you know,
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winnings or unclaimed funds someplace, research it on the internet
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and find out every state has their own procedures and
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protocols for what they do with unclaimed funds. So work
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through with your state to figure out how they post
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this where they post it, how they notify people to
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then determine and verify that you actually have unclaimed funds
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out there. But if you are thinking about calling the
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person back on the phone, or if they give you
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another phone number to call, please don't do that. Don't
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call the person back, don't don't call a phone number
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that they've given you, because the scammers are very good
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at what they do, and they could very easily get
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you into that emotional state and before you know it,
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you've given them, you know, your credit card information, your
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debit card information, you know you've you've zeld money to
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them or used Venmo or whatever. So just don't engage,
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and don't you know, use any of those phone numbers
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they give you or the number that they called from.
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You need to do your own verifying before you can
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trust what's going on. So the last thing I want
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to talk about is is I want to go back
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to the Android phones. I forgot to mention that hackers
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are still impersonating the Google Play Store and they're using
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it for Google Play updates and trying to get you
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to click on the link to update your Google Play
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and if you do this, they can take control of
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your phone, so they might email you, text message you
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with this update and want you to click on it
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to update. If you do that, then the hackers trick
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you into giving them access to your accessibility settings and
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that allows them to take control of your phone. And
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if you do your banking on your phone, the hacker
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can now get into your bank account. They can see
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all your other apps, your contacts, your text messages, they
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can see everything in there, so be careful with that.
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Only update and download apps from a trusted source. That
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would be like Google Play Store, Amazon App Store, Samsung
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Galaxy Store. Make sure it is a trusted, verified app
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store that you are downloading apps from. And please do
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not do side loading apps. It is risky and you
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need to avoid that. There's been a lot of fraud
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with sideloading apps, so at all, if at all possible,
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try to avoid those the old tips, avoid clicking on
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links and attachments and emails that are unexpected that you
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don't know who it is and all that. And have
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a good antivirus software on your phone which is going
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to help protect you as well, and remember to have
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it running all the time. One more quick thing about
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PayPal again, scammers love to impersonate these big reputable companies,
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and they impersonate PayPal, so they're going to send you
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phishing text in emails trying to steal your information. So
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there's some common PayPal scams to look out for the
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