Oct. 6, 2026

Learn About Our New Facebook Group - Scam Prevention Through Education

Show Notes
Transcript

We have a new Facebook Group - Scam Prevention Through Education. Check out the information we have posted already, lots of good stuff. Learn more about this group and how to request to join.

Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Let’s Talk About Scams TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Let’s Talk About Scams Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.

Become a supporter of this podcast: https://www.spreaker.com/podcast/let-s-talk-about-scams--6483699/support.

WEBVTT

1
00:00:00.990 --> 00:00:04.530
This program is designed to provide general information with regards

2
00:00:04.589 --> 00:00:07.620
to the subject matters covered. This information is given with

3
00:00:07.639 --> 00:00:12.119
the understanding that neither the host, guests, sponsors, or station

4
00:00:12.279 --> 00:00:19.079
are engaged in rendering any specific and personal, medical, financial, legal, counseling,

5
00:00:19.339 --> 00:00:21.589
professional service, or any advice.

6
00:00:21.960 --> 00:00:23.910
You should seek the services.

7
00:00:23.489 --> 00:00:27.949
Of competent professionals before applying or trying any suggested ideas.

8
00:00:30.230 --> 00:00:33.570
The information contained in this podcast is intended for informational

9
00:00:33.630 --> 00:00:37.149
purposes only and is not a substitute for individual professional

10
00:00:37.210 --> 00:00:40.969
legal advice. The podcast information was carefully compiled from vetted

11
00:00:41.009 --> 00:00:45.189
sources and references. However, Rose Resources Outreach to safeguard the

12
00:00:45.250 --> 00:00:48.170
elderly cannot guarantee that you will not fall victim to

13
00:00:48.250 --> 00:00:54.020
a scam. Let's talk about scams. It's the must-listen show

14
00:00:54.060 --> 00:00:57.280
for anyone who wants to protect themselves and their loved

15
00:00:57.399 --> 00:01:01.549
ones from scams. Every Tuesday at 8 a.m. Pacific Time

16
00:01:01.619 --> 00:01:06.269
on K4HD Radio, Joyce Petrowski, founder of Rose, and her

17
00:01:06.390 --> 00:01:11.090
guests will provide valuable insights and practical tips on how

18
00:01:11.109 --> 00:01:16.189
to recognize and protect yourself from scams. And now, here

19
00:01:16.250 --> 00:01:18.549
is your host, Joyce Petrowski.

20
00:01:19.670 --> 00:01:20.310
Hi, everyone.

21
00:01:20.390 --> 00:01:20.969
Welcome back.

22
00:01:21.049 --> 00:01:24.909
I'm Joyce Petrowski, founder and board president of Rose Resources

23
00:01:25.010 --> 00:01:29.299
Outreach to Safeguard the Elderly. I trust Brian took care

24
00:01:29.310 --> 00:01:32.439
of you guys the last.

25
00:01:32.340 --> 00:01:33.299
Two weeks, I believe.

26
00:01:34.379 --> 00:01:36.140
He was here maybe just the one week, I think

27
00:01:36.219 --> 00:01:39.379
one week maybe. Anyways, make sure you go to our

28
00:01:39.420 --> 00:01:44.010
website at roseadvocacy.org. And on the homepage, you'll find all

29
00:01:44.030 --> 00:01:48.189
of our social media links. You'll also, one of those

30
00:01:48.250 --> 00:01:51.430
is YouTube where we have all of.

31
00:01:51.450 --> 00:01:54.109
These episodes and the shorts listed on there.

32
00:01:54.269 --> 00:02:00.120
And we also have our letstalkaboutscams.com website where we list

33
00:02:00.219 --> 00:02:02.359
all of the episodes as well. And you can see

34
00:02:02.459 --> 00:02:07.680
any upcoming episodes there. Also, on our homepage down at

35
00:02:07.719 --> 00:02:10.590
the bottom, you can sign up for our newsletter. We

36
00:02:10.599 --> 00:02:14.409
do a mailed newsletter each month. The one for October

37
00:02:14.509 --> 00:02:17.289
is currently being processed and should go out in the

38
00:02:17.330 --> 00:02:21.849
mail later this week. We also do a monthly emailed newsletter,

39
00:02:21.909 --> 00:02:26.199
which should hit your inboxes on Saturday. which I believe

40
00:02:26.240 --> 00:02:29.919
is October 3rd, this coming Saturday. But every Tuesday morning,

41
00:02:29.939 --> 00:02:32.620
and that's this morning, in a little over an hour,

42
00:02:32.710 --> 00:02:36.090
about 9.15 a.m., you're going to get a Tip Tuesday email.

43
00:02:36.710 --> 00:02:41.150
And two things that that does.

44
00:02:41.370 --> 00:02:44.530
One, gives you information that you might not have already

45
00:02:44.560 --> 00:02:48.340
have known, but it also is reinforcing your scam prevention habits.

46
00:02:48.819 --> 00:02:52.199
It's unfortunate that we're at this point, but we are

47
00:02:53.250 --> 00:02:55.569
actually past the point, but we need to be making

48
00:02:55.889 --> 00:03:01.189
scam prevention a habit. And so reading it, hearing it,

49
00:03:01.270 --> 00:03:03.819
seeing it, saying it, writing it, all of that stuff

50
00:03:03.879 --> 00:03:08.139
on a regular basis helps keep scam prevention a habit.

51
00:03:08.199 --> 00:03:11.800
So you're more apt to think about scams when you

52
00:03:11.840 --> 00:03:12.860
get contacted.

53
00:03:13.599 --> 00:03:16.539
Um, So today I want to talk about our.

54
00:03:16.500 --> 00:03:22.560
New Facebook group that we started. It's Scam Prevention Through Education.

55
00:03:22.580 --> 00:03:27.409
I'm going to share my screen. All right. So I'm

56
00:03:27.449 --> 00:03:31.770
going to go to the Facebook page. This is what

57
00:03:31.810 --> 00:03:34.750
it looks like. We currently have, it's a private group.

58
00:03:34.770 --> 00:03:37.840
We currently have 47 members. So you're going to want

59
00:03:37.860 --> 00:03:41.469
to make sure you join. And then tell your family

60
00:03:41.490 --> 00:03:45.520
and friends about it. There are some questions that you

61
00:03:45.560 --> 00:03:49.810
need to answer. there are, let's first of all go

62
00:03:49.969 --> 00:03:53.050
to what about this group is. So it's a private

63
00:03:53.090 --> 00:03:57.550
community dedicated to helping older adults, caregivers, family members, and

64
00:03:57.650 --> 00:04:00.810
advocates stay informed about the latest scams, fraud schemes, and

65
00:04:00.849 --> 00:04:04.990
cybersecurity threats targeting older adults. Our mission is to provide

66
00:04:05.009 --> 00:04:08.150
the education, resources, and peer support that empower members to

67
00:04:08.210 --> 00:04:13.189
recognize warning signs, protect their personal information, and finances. The

68
00:04:13.289 --> 00:04:17.819
end goal is preserving your emotional, psychological, and financial to

69
00:04:17.860 --> 00:04:19.860
live out your retirement.

70
00:04:19.759 --> 00:04:21.319
Years the way you choose.

71
00:04:21.980 --> 00:04:25.250
So members are encouraged to share scam alerts, ask questions,

72
00:04:25.370 --> 00:04:29.269
discuss prevention strategies, and learn from the experiences of others

73
00:04:29.329 --> 00:04:32.550
in a safe and respectful environment. So together we can

74
00:04:32.589 --> 00:04:36.379
build awareness, reduce victimization, and help protect older adults from

75
00:04:36.639 --> 00:04:40.459
from financial exploitation and fraud. By working together, we create

76
00:04:40.500 --> 00:04:45.319
a stronger, safer community and help older adults stay informed, connected,

77
00:04:45.480 --> 00:04:46.199
and protected.

78
00:04:47.720 --> 00:04:51.509
It is private, so it's only visible.

79
00:04:52.370 --> 00:04:56.709
Anyone can find the group, but only the members of

80
00:04:56.750 --> 00:05:03.180
the group can see the posts and interact with people

81
00:05:03.279 --> 00:05:07.819
in the group and make posts themselves, comment on other posts.

82
00:05:09.379 --> 00:05:15.740
As I said, we currently have 47 members, and here's

83
00:05:15.779 --> 00:05:19.350
the group rules. And I think if you've joined any

84
00:05:19.389 --> 00:05:23.800
other groups, some of these Group rules you're going to

85
00:05:23.879 --> 00:05:27.240
have seen before. No hate speech or bullying. No promotions

86
00:05:27.319 --> 00:05:32.050
or spam. Respect everyone's privacy. And be kind and courteous.

87
00:05:32.189 --> 00:05:38.970
And we have our disclaimer here. But then there's also

88
00:05:39.089 --> 00:05:45.339
questions that need to be answered. And... The first one is,

89
00:05:45.420 --> 00:05:48.000
please tell us what city you live in. Briefly tell

90
00:05:48.040 --> 00:05:50.939
us why you're interested in scam prevention. Is there a

91
00:05:50.970 --> 00:05:53.889
type of scam you would like to see information about?

92
00:05:54.389 --> 00:05:58.689
And then you need to agree to the group rules.

93
00:05:59.990 --> 00:06:02.410
Please remember, don't leave that blank, because if you leave

94
00:06:02.769 --> 00:06:07.110
that blank agreeing to the group rules, we're going to

95
00:06:07.189 --> 00:06:10.819
have to not approve your request, but we will send

96
00:06:10.899 --> 00:06:17.589
feedback along with that information rejection saying please rejoin and

97
00:06:17.750 --> 00:06:23.550
approve agree to the group rules um let me go

98
00:06:23.730 --> 00:06:26.569
back to the home page here when we have events

99
00:06:27.089 --> 00:06:29.050
we will put them up uh you.

100
00:06:28.930 --> 00:06:33.110
Can see uh Go up here to events.

101
00:06:33.670 --> 00:06:38.199
Our champagne and chocolate tasting event is right here that

102
00:06:38.220 --> 00:06:41.560
we have coming up on Saturday, October 24th. We are

103
00:06:41.639 --> 00:06:47.970
currently looking for auction donations, auction basket donations, gift cards. um,

104
00:06:48.050 --> 00:06:51.800
bottles of wine, champagne, sparkling wine, things like that. Um,

105
00:06:51.980 --> 00:06:54.279
if you have anything you'd like to donate, uh, you

106
00:06:54.319 --> 00:06:56.879
can mention it right here in the group. You can

107
00:06:57.120 --> 00:07:01.959
message me on Facebook, reach out to me through the website, um,

108
00:07:02.230 --> 00:07:04.509
under the contact us form down at the bottom of

109
00:07:04.550 --> 00:07:09.370
the page. Um, or you can, uh, uh, give me

110
00:07:09.410 --> 00:07:12.629
a call. The contact information is on there as well.

111
00:07:13.029 --> 00:07:19.350
More than happy to come pick, um, pick items up. Now, uh,

112
00:07:19.670 --> 00:07:23.769
let's look at, uh, uh, so Larry is our moderator

113
00:07:23.889 --> 00:07:27.370
and he's been really good about, uh, getting a lot

114
00:07:27.389 --> 00:07:28.430
of posts out there.

115
00:07:29.290 --> 00:07:32.149
Um, the one that went out yesterday was 10 signs.

116
00:07:32.329 --> 00:07:36.899
It's a scam. And, uh, Let's see.

117
00:07:37.120 --> 00:07:41.180
Here's an infographic that went out as well yesterday. Scams

118
00:07:41.220 --> 00:07:43.060
target our seniors. Don't be a victim.

119
00:07:43.100 --> 00:07:44.220
Stay alert. Stay safe.

120
00:07:45.379 --> 00:07:48.100
How they pretend to be law enforcement or government officials

121
00:07:48.220 --> 00:07:51.040
claiming you have a warrant, you've missed jury duty, you

122
00:07:51.120 --> 00:07:54.560
owe money or taxes, you must pay immediately. They may

123
00:07:54.620 --> 00:08:00.500
ask you to pay with gift cards, cryptocurrency ATM machines, etc.

124
00:08:01.100 --> 00:08:03.939
List warning signs on there. You receive an unexpected call

125
00:08:03.959 --> 00:08:07.279
demanding payment. The caller ID may look official, but it

126
00:08:07.319 --> 00:08:09.910
can be spoofed. You're told to keep it a secret

127
00:08:10.009 --> 00:08:12.850
or you'll be arrested. You're asked to pay with gift cards,

128
00:08:12.889 --> 00:08:20.009
wire transfers, cryptocurrency. You're pressured to act immediately. Here's a

129
00:08:20.319 --> 00:08:21.339
post about scammers.

130
00:08:21.420 --> 00:08:22.120
Read your post.

131
00:08:22.120 --> 00:08:27.379
12 things to stop sharing. Your full birthday. Travel dates

132
00:08:27.600 --> 00:08:31.339
in real time. I see a lot of people that

133
00:08:31.560 --> 00:08:35.279
post and it comes up with the map that they're leaving.

134
00:08:35.700 --> 00:08:36.220
And then it.

135
00:08:36.179 --> 00:08:39.039
Has the dotted lines that go to where they're going.

136
00:08:39.710 --> 00:08:44.149
And that's great. People like to see that. They like

137
00:08:44.190 --> 00:08:46.929
to wish you well. Safe travels. Have a great time.

138
00:08:47.429 --> 00:08:49.830
They want to hear all about your trip.

139
00:08:49.929 --> 00:08:50.730
It's exciting.

140
00:08:50.750 --> 00:08:54.590
Um, but wait until you get back and then upload

141
00:08:54.629 --> 00:08:57.309
pictures and talk about your trip. You, you don't want

142
00:08:57.350 --> 00:09:05.580
to let people know that, Hey, your house is vacant and, um, uh,

143
00:09:05.879 --> 00:09:09.279
might give you, might give them some opportunities that you

144
00:09:09.419 --> 00:09:14.789
necessarily didn't want them to have. Um, and, Threat of arrest,

145
00:09:14.990 --> 00:09:20.070
scam alert. So here's a new tactic where they call

146
00:09:20.129 --> 00:09:24.340
police to request a welfare check on a victim while

147
00:09:24.419 --> 00:09:28.500
simultaneously calling the victim to demand immediate payment.

148
00:09:28.500 --> 00:09:29.899
Under the threat of arrest.

149
00:09:30.279 --> 00:09:33.500
When the victim looks outside and sees actual police arriving,

150
00:09:33.840 --> 00:09:38.539
they panic and pay thousands of dollars over the phone. Now,

151
00:09:38.820 --> 00:09:42.419
calling to do a welfare check on someone, it's legitimate.

152
00:09:43.139 --> 00:09:47.740
That happens all the time. So you can see how

153
00:09:47.840 --> 00:09:52.460
scammers are taking legitimate requests and using it to their

154
00:09:52.500 --> 00:09:56.629
advantage to make their phone call to you seem all

155
00:09:56.690 --> 00:10:01.320
the more believable to get you you to in a

156
00:10:01.370 --> 00:10:06.690
heightened state of emotion of being scared that, oh my gosh,

157
00:10:06.710 --> 00:10:08.610
the police just showed up just like they said they

158
00:10:08.649 --> 00:10:11.659
were and I'm going to get arrested. Um, so share

159
00:10:11.679 --> 00:10:14.620
this with your friends and family neighbors, and remember that

160
00:10:14.659 --> 00:10:17.379
law enforcement will never demand payment over the phone or

161
00:10:17.500 --> 00:10:21.080
ask you to pay fines with gift cards or Bitcoin. Um,

162
00:10:21.779 --> 00:10:24.740
you can sign up to, as I mentioned earlier with

163
00:10:24.820 --> 00:10:29.799
our newsletter, we've got the links to our, um, social

164
00:10:29.840 --> 00:10:36.990
media posts, um, Here's one on September 21st, so about

165
00:10:37.009 --> 00:10:41.539
a week ago, about storm-related storms. We've had a lot

166
00:10:41.559 --> 00:10:44.860
of storms here in Phoenix the last two to three weeks.

167
00:10:45.639 --> 00:10:49.320
And Attorney General Chris Mays issued a consumer alert after

168
00:10:49.600 --> 00:10:53.139
we had the monsoon storms that scammers often take advantage

169
00:10:53.220 --> 00:10:56.600
of extreme weather events and the damage they cause. So

170
00:10:56.639 --> 00:11:01.929
just be careful of anyone promising immediate cleanup.

171
00:11:01.590 --> 00:11:03.289
Or repairs after a weather event.

172
00:11:03.370 --> 00:11:08.149
Scammers and unlicensed contractors often appear after weather events or

173
00:11:08.210 --> 00:11:11.029
natural disasters looking to take advantage of people in need.

174
00:11:11.730 --> 00:11:12.870
So stay vigilant.

175
00:11:13.690 --> 00:11:17.429
And when seeking assistance after a weather event, you can

176
00:11:17.500 --> 00:11:20.000
talk to your insurance company first if you're going to

177
00:11:20.039 --> 00:11:23.870
make an insurance claim. seek referrals, talk to other people, um,

178
00:11:26.110 --> 00:11:27.870
on contractors that they've used.

179
00:11:28.009 --> 00:11:30.700
You can go to the registrar of contractors.

180
00:11:31.580 --> 00:11:34.519
Um, Arizona law requires most of the contractors to be

181
00:11:34.559 --> 00:11:38.419
licensed and you can go in there. Um, the information's there,

182
00:11:38.460 --> 00:11:40.940
the website and the phone number to confirm if a

183
00:11:40.980 --> 00:11:45.340
license is valid and check for any complaints. Um, And

184
00:11:45.379 --> 00:11:47.559
you can find out what type of license they have

185
00:11:47.679 --> 00:11:52.570
as well. There are different contractor licenses. And you can

186
00:11:52.620 --> 00:11:56.929
inquire about what each license allows them to do.

187
00:11:57.210 --> 00:11:58.570
Don't pay in full up front.

188
00:12:01.070 --> 00:12:04.750
Contractors should not be asking to be paid with cryptocurrency

189
00:12:04.789 --> 00:12:08.600
or gift cards. And there's also, if you believe you're

190
00:12:08.620 --> 00:12:11.840
a victim, you can report it at the Attorney General's website,

191
00:12:12.860 --> 00:12:16.210
and they have their information and their phone numbers there.

192
00:12:19.019 --> 00:12:25.610
This is information about new account fraud is surging. So

193
00:12:27.830 --> 00:12:30.309
the identity theft is not just someone accessing your bank

194
00:12:30.370 --> 00:12:33.899
account and making unapproved changes. It can also involve someone

195
00:12:33.980 --> 00:12:37.019
using your personal information, your name, social security number, date

196
00:12:37.039 --> 00:12:40.720
of birth, to open credit accounts, phone accounts, or other services.

197
00:12:41.220 --> 00:12:47.009
New account fraud victims jumped 31% in 2025. So it

198
00:12:47.049 --> 00:12:49.389
could be a credit card sent to an address you've

199
00:12:49.429 --> 00:12:51.830
never lived at, a phone or utility account with a

200
00:12:51.870 --> 00:12:54.789
company you've never used. A scammer could even try to

201
00:12:54.990 --> 00:12:59.419
open a buy now, pay later account using your identity.

202
00:13:00.340 --> 00:13:04.710
Sometimes you see that on, I believe it would.

203
00:13:04.610 --> 00:13:08.509
Be car lots. They have the buy now, pay later.

204
00:13:10.129 --> 00:13:13.330
You may find out when a strange bill arrives, a

205
00:13:13.370 --> 00:13:16.450
lender checks your credit, a debt collector calls, you spot

206
00:13:16.490 --> 00:13:19.769
an account you had not opened, a letter arrives welcoming

207
00:13:19.789 --> 00:13:24.129
you to a service you didn't sign up for. This

208
00:13:24.190 --> 00:13:28.600
new account fraud keeps growing because criminals have stolen They

209
00:13:28.639 --> 00:13:32.320
have more personal information to work with than ever. Years

210
00:13:32.379 --> 00:13:35.759
of data breaches have exposed names, social security numbers, birthdates,

211
00:13:35.850 --> 00:13:44.580
phone numbers, email addresses. And they can, criminals buy all

212
00:13:44.600 --> 00:13:48.179
this information on the dark web and build profiles. So

213
00:13:48.340 --> 00:13:50.340
you can pull all three of your credit reports. You

214
00:13:50.379 --> 00:13:56.570
go to annualcreditreport.com and you can review weekly Equifax, Experian,

215
00:13:56.590 --> 00:13:57.350
and TransUnion.

216
00:13:57.429 --> 00:14:00.330
You can pull up the reports every week. review them.

217
00:14:00.710 --> 00:14:03.450
If there's credit on there that's not yours, report it

218
00:14:03.970 --> 00:14:07.279
at identitytheft.gov and go through the process to get your

219
00:14:07.320 --> 00:14:10.559
identity theft back. But also look at the actual credit

220
00:14:10.600 --> 00:14:13.120
that is yours. You might have some old credit on

221
00:14:13.159 --> 00:14:17.740
there that you no longer use. You don't even have

222
00:14:17.779 --> 00:14:20.779
the card available to use. You know, maybe the store

223
00:14:20.830 --> 00:14:23.830
closed down, a department store, but the credit was issued

224
00:14:23.950 --> 00:14:29.159
through a different agency that had contracted with that department

225
00:14:29.200 --> 00:14:30.259
store and that.

226
00:14:30.179 --> 00:14:31.370
Credit is still open.

227
00:14:31.470 --> 00:14:35.149
We'll close that down so it's not sitting there available

228
00:14:35.230 --> 00:14:37.110
for a scammer to get a hold of and use.

229
00:14:38.830 --> 00:14:40.230
Consider freezing your credit.

230
00:14:40.350 --> 00:14:44.830
You can do it with all three reporting agencies, and

231
00:14:45.509 --> 00:14:49.789
that helps prevent a lot of new credit being opened

232
00:14:49.860 --> 00:14:54.059
in your name when your credit is frozen. This actually

233
00:14:54.100 --> 00:14:55.620
just happened to me when I went to buy a

234
00:14:55.639 --> 00:14:58.840
new computer at a local store. I had forgotten that

235
00:14:58.919 --> 00:15:02.500
I had frozen my credit. And, you know, they offered

236
00:15:02.539 --> 00:15:06.779
incentives if you used their credit card and, you know,

237
00:15:06.919 --> 00:15:09.919
opened up the account and and, and put your purchase

238
00:15:10.000 --> 00:15:10.340
on there.

239
00:15:10.379 --> 00:15:13.919
And I'm like, you know, it's only take a few minutes. Okay, fine.

240
00:15:14.019 --> 00:15:14.490
I did it.

241
00:15:14.759 --> 00:15:17.799
And, uh, it came back immediately that it was denied

242
00:15:18.480 --> 00:15:21.340
and they said, is your credit frozen? And I said,

243
00:15:21.679 --> 00:15:24.690
Oh yeah, it is. I said, but just forget it.

244
00:15:24.759 --> 00:15:26.399
I'm not going to go through, I'm not going to

245
00:15:26.440 --> 00:15:31.460
go home and, um, unfreeze all three of them and

246
00:15:31.500 --> 00:15:37.629
then come back and, um, and buy the product.

247
00:15:37.690 --> 00:15:39.730
I'm just going to put it on my regular credit card.

248
00:15:40.830 --> 00:15:42.149
So that really helps.

249
00:15:42.389 --> 00:15:45.730
It doesn't help every single thing because if you've seen

250
00:15:46.710 --> 00:15:50.250
credit offers, especially on TV ads, and they say no

251
00:15:50.389 --> 00:15:54.080
credit check required, well, they're not running your credit. So

252
00:15:54.600 --> 00:15:57.480
that type of credit, which usually is going to be

253
00:15:57.519 --> 00:16:01.720
a lower dollar amount, can still get through. So it's

254
00:16:01.759 --> 00:16:04.279
still good to look at your credit reports. You can

255
00:16:04.320 --> 00:16:08.159
turn on monitoring and alerts. Credit cards you have, and

256
00:16:08.200 --> 00:16:10.610
look at your debit cards too. I've talked to a

257
00:16:11.230 --> 00:16:13.240
a lot of people that they don't have a credit

258
00:16:13.269 --> 00:16:16.419
card by choice. They only use their debit card. And

259
00:16:16.460 --> 00:16:19.220
we talk about how credit cards, you have more recourse

260
00:16:19.259 --> 00:16:23.779
for fraudulent activity and a lot of other benefits with

261
00:16:23.840 --> 00:16:27.539
credit cards, but it's the person's choice, whether they want

262
00:16:27.570 --> 00:16:30.370
to have a credit card or just use their debit card.

263
00:16:30.389 --> 00:16:32.909
So consider putting alerts on your debit card as well.

264
00:16:33.309 --> 00:16:37.129
So you get notified of every transaction that happens as

265
00:16:37.210 --> 00:16:40.000
soon as it happens. So you can mitigate the damages.

266
00:16:40.570 --> 00:16:43.730
That could happen if someone gets a hold of your

267
00:16:43.750 --> 00:16:50.759
debit card information. Let's see what else is in here.

268
00:16:50.940 --> 00:16:57.580
Welcome new members. Romance scam warnings. There is a virtual

269
00:16:57.639 --> 00:17:02.659
event that's actually tomorrow that AARP is having tomorrow morning

270
00:17:02.779 --> 00:17:08.369
if anybody's interested in getting on that. I think it's

271
00:17:08.420 --> 00:17:12.190
at 7 a.m. Yeah, Phoenix time is 7 a.m.

272
00:17:12.869 --> 00:17:13.650
Bright and early.

273
00:17:17.529 --> 00:17:20.910
Social media free giveaway scams come with hefty costs.

274
00:17:22.730 --> 00:17:24.549
This is an interesting one.

275
00:17:25.890 --> 00:17:28.809
That $ 1, 000 Amazon gift card you were promised for filling

276
00:17:28.869 --> 00:17:30.950
out a survey was never intended to be paid, but

277
00:17:30.990 --> 00:17:34.619
is in fact a giveaway scam you just applied for.

278
00:17:35.990 --> 00:17:37.990
you may think there's no real harm in filling out

279
00:17:38.009 --> 00:17:40.569
a bogus survey, but the real thing about these scams

280
00:17:40.630 --> 00:17:45.019
is that it's stealing your personal identifiable information. So, um,

281
00:17:45.359 --> 00:17:47.099
I know a lot of people that do those surveys.

282
00:17:47.180 --> 00:17:50.579
So just be careful and do your research and make

283
00:17:50.640 --> 00:17:54.000
sure it is a legitimate survey that's out there.

284
00:17:54.019 --> 00:17:58.180
Um, okay.

285
00:17:58.200 --> 00:18:00.980
I thought maybe that was a website. You could look

286
00:18:01.000 --> 00:18:04.279
to see if a survey was legitimate or not. Um,

287
00:18:05.089 --> 00:18:07.549
So this is an interesting one. One of our advisory

288
00:18:07.589 --> 00:18:11.869
board members had this happen. When your inbox gets flooded,

289
00:18:11.930 --> 00:18:15.509
pay attention. So you wake up to hundreds of emails

290
00:18:15.589 --> 00:18:19.990
from companies you've never heard of, newsletters, promotions, subscriptions, confirmations.

291
00:18:20.450 --> 00:18:24.470
Your inbox is overflowing with junk. And that can happen

292
00:18:24.549 --> 00:18:28.789
quite frequently. We talk about cookies a lot in our

293
00:18:28.809 --> 00:18:32.410
presentation about how if you're not paying attention to the

294
00:18:32.450 --> 00:18:36.670
cookies when you're on a website, and they're tracking the marketing,

295
00:18:36.690 --> 00:18:40.130
the advertising, the social media, the targeting cookies. Well, they're

296
00:18:40.150 --> 00:18:43.380
gathering all of this information with what you're doing on

297
00:18:43.390 --> 00:18:47.329
their site, and then they can sell that information to

298
00:18:47.369 --> 00:18:52.029
data brokers or other, you know, legitimate marketing advertising companies

299
00:18:52.430 --> 00:18:58.450
that then are going to market, um, their products to you.

300
00:18:58.549 --> 00:19:00.829
So now you have all these other emails that you're

301
00:19:00.849 --> 00:19:04.230
getting from companies that you don't know anything about, didn't

302
00:19:04.250 --> 00:19:09.259
sign up for. But in this instance, that that's not

303
00:19:09.299 --> 00:19:13.599
the case in this instance. So those ran those, uh,

304
00:19:13.660 --> 00:19:17.089
hundreds of emails, uh, might not be random. So it's

305
00:19:17.119 --> 00:19:21.869
called email bombing, sometimes called subscription bombing. It's a tactic

306
00:19:21.950 --> 00:19:25.450
criminals can use to hide an important email from you.

307
00:19:25.910 --> 00:19:28.599
A fraudster may use your email address to sign you

308
00:19:28.650 --> 00:19:30.579
up for hundreds of mailing lists at once.

309
00:19:31.059 --> 00:19:31.980
In the middle of all.

310
00:19:31.880 --> 00:19:35.160
That noise could be something much more important, such as

311
00:19:35.200 --> 00:19:37.880
a notification that a new credit card, bank account, or

312
00:19:37.940 --> 00:19:41.059
other financial account's been opened in your name. The goal

313
00:19:41.359 --> 00:19:44.390
is to bury the warning so you don't see it.

314
00:19:44.940 --> 00:19:49.609
Your inbox suddenly becomes flooded with those emails, but don't

315
00:19:49.690 --> 00:19:52.380
simply delete them all and move on. Take a few minutes,

316
00:19:52.619 --> 00:19:56.519
look for the messages from banks, credit card companies, financial institutions,

317
00:19:57.000 --> 00:20:00.420
or other businesses you recognize. They could be hiding in

318
00:20:00.460 --> 00:20:05.630
the barrage of all those other emails on purpose. And

319
00:20:05.690 --> 00:20:09.720
then if you find an account opening notification or contact

320
00:20:09.740 --> 00:20:13.119
the company directly using a verified phone number or verified

321
00:20:13.180 --> 00:20:16.640
website that you know is legitimate. Don't use the contact

322
00:20:16.680 --> 00:20:22.170
information in the email. Um, talked about the credit freezes. Um,

323
00:20:22.529 --> 00:20:26.369
so just pay attention to that. Um, something is don't

324
00:20:26.410 --> 00:20:28.369
leave your garage door open and you're in your car.

325
00:20:28.529 --> 00:20:33.200
Thieves can use it to target your home. Um, especially

326
00:20:33.220 --> 00:20:36.160
you go someplace and they have valet and you want

327
00:20:36.180 --> 00:20:39.440
a valet. I try to be cognizant and remember to

328
00:20:39.500 --> 00:20:41.920
take my garage door opener out every time.

329
00:20:42.539 --> 00:20:44.980
Does it happen every time? No, there's sometimes I'm in

330
00:20:45.000 --> 00:20:46.000
a hurry. I forget.

331
00:20:46.119 --> 00:20:48.079
I don't think about it, but try to make it

332
00:20:48.119 --> 00:20:53.039
a habit because they can steal what's in your garage

333
00:20:53.240 --> 00:20:56.200
and allow them easily acts, allow them to easily and

334
00:20:56.259 --> 00:20:59.619
quietly break into your home. If you don't have that

335
00:20:59.680 --> 00:21:04.039
door locked from your garage into your home. Um, so

336
00:21:04.059 --> 00:21:07.640
an easy way, you know, for criminals to score is

337
00:21:07.680 --> 00:21:10.849
a garage door opener, especially when paired with a nearby

338
00:21:10.970 --> 00:21:14.630
address or mail in the car. So your registration that's

339
00:21:14.690 --> 00:21:17.740
in the car has your, your mailing address on it.

340
00:21:17.809 --> 00:21:21.490
You might have some other, you might have the, uh,

341
00:21:21.630 --> 00:21:23.980
some of the paperwork from when you purchased the vehicle

342
00:21:24.480 --> 00:21:27.799
and your insurance information, you know, all of that has

343
00:21:28.380 --> 00:21:29.440
the addresses on it.

344
00:21:30.140 --> 00:21:38.109
Um, So just be careful, uh, with that. Um, so

345
00:21:38.130 --> 00:21:41.269
let's see job scams. Uh, we're in here.

346
00:21:41.650 --> 00:21:47.130
Um, there's a child ID app, um, for the FBI.

347
00:21:47.650 --> 00:21:54.240
Looks like it's that the FBI put out, um, how

348
00:21:54.279 --> 00:21:59.099
to protect your home from theft and, uh, title fraud. So, um,

349
00:21:59.619 --> 00:22:03.990
this is one that, uh, This is specific to Tucson

350
00:22:04.190 --> 00:22:07.029
where the article was written. They've noticed an increase in it.

351
00:22:07.170 --> 00:22:11.329
So every County in Arizona has a free title alert system.

352
00:22:11.369 --> 00:22:14.529
You can sign up for through the recorder's office. I

353
00:22:14.569 --> 00:22:17.329
think it's a great service that's out there. It doesn't

354
00:22:17.730 --> 00:22:20.970
stop the fraudulent transfer, but it lets you know right

355
00:22:20.990 --> 00:22:24.490
away when your title has been transferred. So then you

356
00:22:24.529 --> 00:22:27.890
can get to work on the identity theft and, um,

357
00:22:28.299 --> 00:22:33.579
and get your, your title back. Um, So you can see,

358
00:22:33.980 --> 00:22:39.059
you scroll down here, and you have the opportunity to comment, share,

359
00:22:40.039 --> 00:22:41.680
like posts, and things like that.

360
00:22:42.029 --> 00:22:43.269
And we encourage you.

361
00:22:43.690 --> 00:22:48.970
To, if you've received a scam email or a scam text,

362
00:22:49.630 --> 00:22:52.509
and you know it's a scam, screenshot it.

363
00:22:53.190 --> 00:22:54.500
And if you.

364
00:22:56.400 --> 00:23:01.930
just take out any personal identifiable information and then upload it.

365
00:23:02.470 --> 00:23:04.589
If you're a member, you can upload it in here

366
00:23:05.069 --> 00:23:09.509
and help warn other people about what you've received. Because

367
00:23:09.630 --> 00:23:12.579
if you've received it, there's a good chance they're receiving

368
00:23:12.599 --> 00:23:13.059
it as well.

369
00:23:13.420 --> 00:23:16.240
But please make sure that you redact.

370
00:23:17.440 --> 00:23:22.920
Or black out any personal identifiable information or just screenshot

371
00:23:23.440 --> 00:23:28.190
the body of it and don't you know, don't, uh, uh,

372
00:23:28.910 --> 00:23:31.849
have any of the personal identifiable information that might be listed,

373
00:23:31.869 --> 00:23:35.950
you know, above, um, you know, like your, um, email

374
00:23:36.250 --> 00:23:38.490
address or something like that, or your phone number.

375
00:23:39.190 --> 00:23:41.990
Um, so anyways, that's all I have for today.

376
00:23:42.009 --> 00:23:47.690
Uh, like I said, um, you can, uh, search Rose, uh,

377
00:23:47.809 --> 00:23:52.059
or you can search Rose scam prevention through education. in

378
00:23:52.079 --> 00:23:54.119
the groups and it'll come up and you'll get a

379
00:23:54.160 --> 00:23:57.640
join button over here and click that join button and

380
00:23:58.329 --> 00:24:01.990
answer all of the questions especially the one that says

381
00:24:02.029 --> 00:24:05.029
you agree to the group rules and you have to

382
00:24:05.089 --> 00:24:10.690
go through the group rules and um and uh i

383
00:24:10.730 --> 00:24:12.529
don't know if it's a you have to check them

384
00:24:12.730 --> 00:24:16.630
off um or just check that you've uh agreed to

385
00:24:16.650 --> 00:24:21.269
them but anyways um And then let us know if

386
00:24:21.289 --> 00:24:25.359
there's information, you know, on different scams, different prevention measures

387
00:24:26.099 --> 00:24:28.980
that you want more information about. Let's get some dialogue

388
00:24:29.019 --> 00:24:30.119
going in this.

389
00:24:32.000 --> 00:24:33.019
Private Facebook group.

390
00:24:33.640 --> 00:24:39.680
All right. Next week, my goal is to have a

391
00:24:40.779 --> 00:24:43.259
Medicare guest on to.

392
00:24:46.069 --> 00:24:47.009
Talk about Medicare.

393
00:24:47.150 --> 00:24:52.160
Open annual enrollment period is coming up starting October 15th,

394
00:24:52.480 --> 00:24:55.680
and I'd like to have a Medicare agent on to

395
00:24:56.099 --> 00:24:57.960
have some discussions about that.

396
00:24:58.059 --> 00:25:00.799

Learn About Our New Facebook Group - Scam Prevention Through Education

Listen On

Recent Episodes

Learn About Our New Facebook Group - Scam Prevention Through Education

Subscribe

Listen On

Recent Episodes