Scam Advisory #1:
Cybercriminals don’t just send fraudulent email messages and set up fake websites. They might also call you on the telephone and claim to be from Microsoft. They might offer to help solve your computer problems or sell you a software license. Once they have access to your computer, they can do the following:
- Trick you into installing malicious software that could capture sensitive data, such as online banking user names and passwords. They might also then charge you to remove this software.
- Convince you to visit legitimate websites (like www.ammyy.com) to download software that will allow them to take control of your computer remotely and adjust settings to leave your computer vulnerable.
- Request credit card information so they can bill you for phony services.
- Direct you to fraudulent websites and ask you to enter credit card and other personal or financial information there.
Neither Microsoft nor our partners make unsolicited phone calls (also known as cold calls) to charge you for computer security or software fixes.
Scam Advisory #2:
Fraudsters have been calling our local businesses claiming to be from the Moose Lake Water and Light. They threaten that if you do not give out your account/card information immediately your power will be shut off. The power company will never call and demand account or debit/ credit card information, if you are worried please contact the power company at a phone number that you can trust not the phone number provided by the person giving you the call. The phone number for Water and Light is 218-485-4100.
Scam Advisory #3:
Watch Out for “Emergency” and “Grandparent” Scam
You get a call or an email unexpectedly from someone who claims to be a friend or a relative. This often happens to grandparents with the caller claiming to be their grandson or granddaughter. The caller says there’s an emergency and asks you to send money immediately. But beware, there’s a good chance this is an imposter trying to steal your money! Follow these tips to avoid becoming a victim of fraud.
- How do these scammers choose you to contact? Sometimes they contact people randomly. They also use marketing lists, telephone listings, and information from social networking sites, obituaries and other sources. Sometimes they hack into people’s email accounts and send messages to everyone in their contact list.
- How do these scammers know the names of your friends or relatives? In some cases they don’t. For instance, the scammer may say “Hi Grandma,” hoping that you actually have a grandchild. If you ask, “David, is that you?” the scammer will say “Yes!” Often these crooks will call in the middle of the night and take advantage of the fact that you may not be awake enough to ask more questions and you may not want to disturb other people by calling them to confirm the information. Sometimes the scammers do know the names of your friends or relatives. They can get that information from a variety of sources. Your relatives may be mentioned in an obituary or on a social networking site. Your email contact list may contain the names of friends and relatives.
- What do these scammers usually say? The might say something like, “I’m in Canada and I’m trying to get home but my car broke down and I need money right away to get it fixed.” Or they may claim to have been mugged, or been in a car accident, or need money for bail or to pay customs fees to get back into the United States from another country. They may also pose as an attorney or law enforcement official contacting you on behalf of a friend or relative. No matter what the story, they always want you to send money immediately.
- How do con artists try to get away with it? It may seem strange that a grandparent wouldn’t know their own grandchild’s voice, or not question the situation presented to them, but con artists know familial ties often supersede caution. Vocal changes are explained by broken noses and other “injuries” sustained in the “accident”. If the victim begins asking too many questions, the scammer will often try and guilt them into complying – “How could you not believe your own grandson? Don’t you love me?” and so on.
- If you realize you’ve been scammed, what can you do? These scammers ask you to send money through services such as Western Union and MoneyGram because they can pick it up quickly, in cash. They often use phony IDs, so it’s impossible to trace them. Contact the money transfer service immediately to report the scam. If the money hasn’t been picked up yet, you can retrieve it, but if it has, it’s not like a check that you can stop – the money is gone.
- How can you protect your email account from being used by scammers? Use a firewall, anti-virus and anti-spyware software. Many computers come with these features already built-in. They are also easy to find on the Internet. Keep your software updated. Don’t open attachments in emails from strangers, since they can contain programs that enable crooks to get into your computer remotely.
- What else can you do to protect yourself? If you get a call or email from someone claiming to know you and asking for help, check to confirm that it’s legitimate before you send any money. Ask some questions that would be hard for an imposter to answer correctly – the name of the person’s pet, for example, or the date of their mother’s birthday. Contact the person who they claim to be directly, at a known number, not the number they might try to give you. If you can’t reach the person, contact someone else – a friend or relative of the person. Don’t send money unless you’re sure it’s the real person you know.
- Some extra communication can help prevent scams like these. For example, if you travel, you should make sure that your friends and family are aware of any international travel dates and destinations. You should also be vigilant about the information available about you online, which scammers might try to use against you or your loved ones. And finally, help protect others by sharing this information with them.