Online Scams Busted- No more fear!
Online Scams Busted
Here is some of the most common online scams and how to avoid them
How does this work?
You see an Internet offer for a free one-month trial of a product. All you pay is $4.95 for shipping and handling. But the truth is Buried in fine print, often in a color that can be washed into the background, are terms that obligate you to pay $69 to $100 a month in fees endlessly.
LETS BREAK IT DOWN:
“These guys are really HEARTLESS,” says Christine Durst, an Internet fraud expert who has consulted for the FBI and the FTC. “They know most people don’t read the fine print, and even people who glance at it just look for numbers.
So the companies spell out the numbers, with no dollar signs; anything that has to do with money or a time frame gets concealed into the text.” That’s exactly what you’ll see in the terms for( Xtreme Cleanse), a weight-loss pill that ends up costing “$89 plus five dollars and $5 shipping and handling” every month once the 14-day free trial period ends or until and if you can you cancel.
How to avoid: Please read the fine print on all offers, and don’t believe their fake testimonial. visit Tineye.com, a search engine that scours the Web for identical photos.
If the lovely woman with perfect teeth shows up everywhere promoting different products, you can be very certain certain her “testimonial” being paid and bogus.
Legit companies allows you to cancel, but if you can’t get out of a “contract,” discontinue your card, then negotiate a refund; if that doesn’t work then dispute it with your credit card company.
(2) Watch out for The Hot Spots Imposter (He’s setting next to you).
How does this work?
As we sit in an airport or a Starbucks for a cup of coffee and as we log into the local Wi-Fi zone. It could be free, or it could resemble a pay service like Bongo Wireless. we get connected, and everything seems fine and dandy or is it?
What’s happening here: The site looks legitimate. but It’s actually run by a nearby pirate from a laptop If it’s a free site, the crook isdigging your computer for banking, credit card, and other important information. And If it’s a fraudulent pay site, he gets your purchase payment, then sells all your vital information to criminals.
Lets do some digging: The Fake Wi-Fi hot spots are popping up everywhere, and it can be difficult to tell them from the real thing. Criminals duplicate the legitimate Web page of a Wi-Fi provider like Verizon or AT&T and tweak it so it sends your information to their laptop.
How to avoid: Beware that you’re not set up to automatically connect to nonpreferred networks. (For PCs, go to Network Connections and uncheck “Connect to non-preferred networks” in advanced wireless settings; for Macs, go to the Network pane in System Preferences and check “Ask to join new networks.”) Before traveling, buy a $30 Visa or MasterCard gift card to purchase airport Wi-Fi access enough for a few days so you won’t broadcast your credit or debit card information.
You also can set up an advance account with providers at any airport you’ll be visiting (Travelpost.com lists Wi-Fi services at all over U.S. airports.
Plus don’t do any banking or Internet shopping from public hot spots unless you’re sure the network is secure. Try to Look for https in the URL, or check the lower right-hand corner of your browser for a small padlock icon. Its easy to find.
3. How about The Not-So-Sweet Tweet.
How does this work? We get a “tweet” from a Twitter follower, raving about a contest for a free iPad or some other expensive object: “Just click on the link to learn more.”
And What’s really happening here: The link downloads a “bot” (software robot), adding your computer to a botnet of “zombies” who scammers use to email their spams.
With little digging: The Scammers are taking advantage of URL-shortening services such as pretty links that allow users to share links that would otherwise be longer and against the tweeting polices of certain social medias maximum for a tweet.
These legitimate services break down a large URL to 10 or 15 characters. But when users can’t see the actual URL, it’s easy for bad guys to post malicious stuff.
How to avoid: Make sure Before clicking on a Twitter link from a follower you don’t know, check out his profile, says Josh George, a website entrepreneur in Vancouver, Washington, who follows online scams. “If he’s following thousands of people and nobody is following him, it’s a bot,” he says.
4. (The most annoying) Your Computer is Infected! (And we can help)
How does this work: As usual a window pops up about a legitimate sounding antivirus software program alerting you that your machine has been infected with a dangerous malware. You’re prompted to click on a link that will run a scan.
Of course, the virus is found and for a fee, usually about $60, and your computer will be cleaned.
And what actually is happening here: As you click on the link, the bogus company installs malware on your computer. No surprise, there will be no cleanup. But the criminal have your credit card number, you’re out the money, and your computer is left in the dark.
Little digging: The “Scare ware” like this is predicted to be the most costly Internet scam , with over 2 million users affected daily, according to Dave Marcus, director of security and research for McAfee Labs, a producer of antivirus software.
“This is a very clever trick,” says Marcus, “because people have been told for the past 20 years to watch out for computer viruses.” Even computer Geeks fall prey. Stevie Wilson, a blogger and social-media business consultant in Los Angeles, got a pop-up from a company called Personal Antivirus.
“It sounded like a Microsoft and it said I had downloaded a virus. It did a scan and said it found 50 Trojan horses, worms, viruses, malware. I was concerned they were infecting e-mails I was sending to clients, so I paid to upgrade my anti-virus software.
Right after I rebooted, my computer stopped working.” Wilson had to format the disk of her computer and reinstall every-thing. Although most of her files were backed up, she lost personal photos and hundreds of other important files.
How to avoid: In case of getting pop-up virus warning, close the window without clicking on any links. Then run a full system scan using legitimate, updated antivirus software like Norton.
5. Dialing for Dollars (With a criminal ring of fraud)
How does this work? We get a text message on a cell phone from the bank or credit card issuer: There’s been a problem, and you need to call right away with some account information. Or the message says you’ve won a gift certificate to a chain store just call the toll-free number to get yours right away.
What’s happening here: The supposed “bank” is a scammer hoping you’ll reveal your account information. The gift certificate is as equally bogus; when you call the number, you’ll be told you need to subscribe to magazines or pay shipping fees to collect your prize.
If you fall, you will have easily given your credit card information to “black hat” marketers who will ring up your card to death.
With little digging: A welcome from “smishing,” which stands for “SMS phishing,” the new, text-message version of the famous e-mail scam.
In this act, scammers take advantage of the smart-phone features hoping that a text message to your cell will make it less likely you’ll investigate the source, as you might do while sitting at your desk.
Since many banks and businesses do offer text-message notifications, the scam has the air of legitimacy. Sherry Parker, a 20-year-old newlywed in Sacramento, California, was thrilled when she got a text message announcing she’d won a $300 WALMART gift card.
When she called the number, a representative explained there would be a $3 shipping charge later upped to $5 by another representative.
Sherry gave the scammer her debit card number and started getting round-the-clock calls from him, asking for the phone numbers and e-mails of friends and family. “It was turning into harassment,” she says. After two days, she contacted the Better Business Bureau, which told her that Wal-Mart was not giving away gift cards away.
How to avoid: Legit banks and stores might send you notices via text message if you’ve signed up for the service), but never would they ask for account information by text or email. If you’re unsure, call the bank or store directly. You can also call the Better Business Bureau, or engine search the phone number to see if any scam reports shows up.
6. We Are the World we are the children (The world of charity scams, that is)
How does this work? We get an e-mail with an image of a malnourished orphan—from Africa or another developing nation. “Please give what you can today,” goes the charity’s plea, followed by a request for cash.
To speed relief efforts, the e-mail recommends you use and send a Western Union money wire transfer as well as your personal information, your address and your Social Security and checking account numbers and al other vital personal information.
What’s happening here: This charity plea is a scam orchestrated to skim your cash and banking information. Nothing will ever go to help the alleged victims.
With a little digging: Online, e-mail, and text messaging have given new life to age charity scams. “These cons watch the head-lines very closely,” and they quickly set up websites and PayPal accounts to take advantage of people’s kindness and affection.
How to avoid: If you want to Donate do it to real charities on their own websites. Try to Find the sites yourself instead of clicking on links in e-mail solicitations; in the wake of the Haiti earthquake, scammers even set up fake Red Cross sites that looked so real.
Legit aid organizations will accept donations by credit card or check; they won’t ask for wire transfers, bank account information, or Social Security numbers. Donations via text message are okay as long as you confirm the number with the organization, preferably don’t do it this way.
7. Passion and love for sale
How does this work?: We meet someone on a dating site, or Facebook, a chat room, or while playing a game. we exchange pictures, we talk on the phone until It becomes obvious that you were meant for each other.
But here the love of your life is in a foreign country and needs money to get away from a bad father or to get medical care or to purchase a plane ticket so you can finally be together.
What’s happening here? The new love is a scam artist. There will be no exciting hug at the airport, no happily-ever-after. You will lose your money and possibly your faith in yourself/
With a little digging: The Online dating sites has opened up bold new avenues for heartless scammers who specialize in luring lonely people into bogus relationships and love affairs, just to steal their money. Manny people fell victims for this heartless scam and lost thousands of dollars that they never got even a dime back.
How to avoid: “On the online world, it is almost impossible not to be paranoid. But don’t be paralyzed be smart. Dating and social-networking sites can be a great way to meet new friends and lovers even from foreign countries. But if someone you know only from the Web asks for money just run.
Watch This BBB video for scam tips
Hope this was of a great help, for further assistance please feel free to write me using the comment box below- visit the home page to learn more on how to master the online world.