Advertisements

Resources

The Federal Financial Fraud Enforcement Task Force mission is to STOP FRAUD. The website Stop Fraud.gov.

File a Complaint  HERE ~ scamFRAUDalert Report with US. Also file a complaint on sites listed below:

The best practice for combating FRAUD is to report them locally. Federal contacts are listed below.

United States State Governments ~ USA.gov a good place to start. It is best to report scams and frauds locally.

Report Scams and Frauds To The Feds:

Other Resources:

Advertisements

2 thoughts on “Resources

  1. SFA Reporter November 5, 2012 at 11:40 pm Reply

    Advance Fee Loan General Advice

    Facts for Consumers
    The Truth About Advance-Fee Loan Scams

    Advance-fee loan sharks are preying on unwary consumers, taking their money for the promise of a loan or credit, and leaving them in hot water. The scam artists often impersonate legitimate lenders to entice consumers into falling for their bogus offer.

    According to law enforcement agencies in the U.S. and Canada, ads, polish websites and promotions for advance-fee loans “guarantee” that there’s a high likelihood that a loan will be approved, regardless of the applicant’s credit history. But to take advantage of the offer, the consumer has to pay a fee.

    The catch?
    The scam artist takes off with your fee, and the loan never materializes.

    Many advance-fee loans are promoted in the classified sections of daily and weekly newspapers and magazines. Often, the ads feature toll-free 800, 866, or 877 numbers, or area codes from Canada, such as 416, 647, 905, or 705.

    The loans also are promoted through direct mail, radio, and cable TV spots. The fact that an ad is in a legitimate media outlet – like the local newspaper or radio station – doesn’t guarantee that the company placing it is trustworthy. Legitimate offers of credit do not require an up-front payment.

    Although legitimate lenders may charge application, appraisal, or credit report fees, the fees generally are taken from the amount borrowed. And the fees usually are paid to the lender or broker after the loan is approved. Legitimate lenders may guarantee firm offers of credit to “credit-worthy” consumers, but first, they evaluate the consumer’s creditworthiness and confirm the information in the application. Canadian law enforcers caution that it is highly unlikely that legitimate Canadian lenders would take a risk on U.S. citizens whose credit problems preclude them from getting a loan in the U.S.

    Often, advance-fee loan sharks claim that their fees will go to a third party for credit insurance or a related service. Sometimes, they even fax materials using stolen or forged logos and letterheads from legitimate companies. The materials are fakes, according to enforcement officials, and the contracts the scam artists ask consumers to sign are worthless. Adding insult to injury, some scammers have used the information they collect from consumers to commit identity theft.

    Often, advance-fee loan scammers direct applicants to send the fees via Western Union money transfers payable to an individual, rather than a business. They ask applicants to use a “password code” with their Western Union payment, which allows the scammers to hide their identity.
    U.S. and Canadian law enforcers say consumers can avoid being taken by advance-fee loan sharks.

    Here’s how:
    Don’t pay for the promise of a loan. It’s illegal for companies doing business by phone in the U.S. to promise you a loan and ask you to pay for it before they deliver. Requiring advance fees for loans also is illegal in Canada.

    Ignore any ad – or hang up on any caller – that guarantees a loan in exchange for a fee in advance.

    Remember that legitimate lenders never guarantee or say that you will receive a loan before you apply, or before they have checked out your credit status or contacted your references, especially if you have bad credit or no credit record.

    Don’t give your credit card, bank account, or Social Security number on the telephone, by fax, or via the Internet unless you are familiar with the company and know why the information is necessary.
    Don’t make a payment to an individual for a loan; no legitimate lending organization would make such a request.

    Don’t wire money or send money orders for a loan through Western Union or similar companies. You have little recourse if there’s a problem with a wire transaction. Legitimate lenders don’t pressure you to wire funds.

    If you are not absolutely sure who you are dealing with, get the company’s number in the phone book or from directory assistance, and call it to make sure you’re dealing with the company you think you are. Some scam artists have pretended to be the Better Business Bureau or another legitimate organization.

    Check out questionable ads by calling Project Phonebusters in Canada toll-free at 1-888-495-8501. If you live in the U.S. and think you’ve been a victim of an advance-fee loan scam, report it to the FTC online at http://www.ftc.gov or by phone, toll-free, at 1-877-FTC-HELP (1-877-382-4357).

    Finding Low-Cost Help for Credit Problems

    It’s a good idea to try to solve your debt problems with your creditors as soon as you realize you won’t be able to make your payments. If you can’t resolve your credit problems yourself or need additional help, you may want to contact a credit counseling service. There are nonprofit organizations in every state that counsel and educate individuals and families on debt problems, budgeting and using credit wisely.

    There is little or no cost for these services. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs. Check the white pages of your telephone directory for a service near you.

    The Toronto Strategic Partnership is a group of law enforcement agencies in the U.S. and Canada that works together to prosecute cross border fraud. Formal members include the Toronto Police Service, the Competition Bureau Canada, the Ontario Ministry of Consumer and Business Services, the Ontario Provincial Police, the U.S. Federal Trade Commission and the U.S. Postal Inspection Service. Other partners include the Ohio Attorney General’s Office, the Royal Canadian Mounted Police, and the Police Services of York, Durham and Peel in Ontario.

    The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them.

    To file a complaint or to get free information on consumer issues, visit http://www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

  2. SFA Reporter July 8, 2013 at 7:41 am Reply

    Tech Support Scams

    Scammers have been peddling bogus security software for years. They set up fake websites, offer free “security” scans, PayDayLoan and send alarming messages to try to convince you that your computer is infected. Then, they try to sell you software to fix the problem. At best, the software is worthless or available elsewhere for free. At worst, it could be malware — software designed to give criminals access to your computer and your personal information.

    The latest version of the scam begins with a phone call. Scammers can get your name and other basic information from public directories. They might even guess what computer software you’re using.

    Once they have you on the phone, they often try to gain your trust by pretending to be associated with well-known companies or confusing you with a barrage of technical terms. They may ask you to go to your computer and perform a series of complex tasks. Sometimes, they target legitimate computer files and claim that they are viruses. Their tactics are designed to scare you into believing they can help fix your “problem.”

    Once they’ve gained your trust, they may:

    • ask you to give them remote access to your computer and then make changes to your settings that could leave your computer vulnerable
    • try to enroll you in a worthless computer maintenance or warranty program
    • ask for credit card information so they can bill you for phony services — or services you could get elsewhere for free
    • trick you into installing malware that could steal sensitive data, like user names and passwords
    • direct you to websites and ask you to enter your credit card number and other personal information

    Regardless of the tactics they use, they have one purpose: to make money.

    If You Get a Call

    If you get a call from someone who claims to be a tech support person, hang up and call the company yourself on a phone number you know to be genuine. A caller who creates a sense of urgency or uses high-pressure tactics is probably a scam artist.

    Keep these other tips in mind:

    • Don’t give control of your computer to a third party who calls you out of the blue.
    • Do not rely on caller ID alone to authenticate a caller. Criminals spoof caller ID numbers. They may appear to be calling from a legitimate company or a local number, when they’re not even in the same country as you.
    • Online search results might not be the best way to find technical support or get a company’s contact information. Scammers sometimes place online ads to convince you to call them. They pay to boost their ranking in search results so their websites and phone numbers appear above those of legitimate companies. If you want tech support, look for a company’s contact information on their software package or on your receipt.
    • Never provide your credit card or financial information to someone who calls and claims to be from tech support.
    • If a caller pressures you to buy a computer security product or says there is a subscription fee associated with the call, hang up. If you’re concerned about your computer, call your security software company directly and ask for help.
    • Never give your password on the phone. No legitimate organization calls you and asks for your password.
    • Put your phone number on the National Do Not Call Registry, and then report illegal sales calls.

    If You’ve Responded to a Scam

    If you think you might have downloaded malware from a scam site or allowed a cybercriminal to access your computer, don’t panic. Instead:

    • Get rid of malware. Update or download legitimate security software and scan your computer. Delete anything it identifies as a problem.
    • Change any passwords that you gave out. If you use these passwords for other accounts, change those accounts, too.
    • If you paid for bogus services with a credit card, call your credit card provider and ask to reverse the charges. Check your statements for any other charges you didn’t make, and ask to reverse those, too.
    • If you believe that someone may have accessed your personal or financial information, visit the FTC’s identity theft website. You can minimize your risk of further damage and repair any problems already in place.
    • File a complaint with the FTC at ftc.gov/complaint.

    Federal Trade Commission

Leave A Comment

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s