By Deborah Reed
WKTV Managing Editor
deborah@wktv.org
In a culture revolving around online and media consumption, local law enforcement and government agencies are working to educate consumers on current scams and how to protect themselves from becoming victims.
Katie Grevious, Better Business Bureau Communications Specialist, told WKTV that falling victim to a scam has become more difficult to avoid as “scammers are becoming more crafty and creative.”
Grevious said that scammers use fear and a sense of urgency to prompt consumers into following their directives: “It is an emotional situation. Something is wrong, something bad is going to happen — that’s what gets people.”
Due to the number of consumers who now shop online, there are ample opportunities for scam artists to create situations involving that emotional response of fear and urgency.
An online society
QR codes boomed in 2020 as consumers needed quick and easy ways to function without physical contact during the pandemic.
Now, in 2023, QR codes seem to be everywhere.
“About 94 million U.S. consumers will use smartphone or QR scanners this year,” said a projection by eMarketer. “That number will grow to 102.6 million by 2026.
A consumer alert posted by the Federal Trade Commission (FTC) on Dec. 6 warn consumers of this threat.
Access to menus at restaurants, payment for public parking, boarding a flight, or gaining access to a concert or sporting event are only a few ways QR codes are used. With countless other ways to use these codes, scammers have begun hiding harmful links within QR codes to steal personal information.
These scam links can take you to a site that looks real but is not, allowing scammers to steal information as you log in, or install malware that steals your information.
Covering up QR codes on parking meters with a custom made QR code is another way scammers con the average consumer.
Texting or emailing a QR code with a reason you should scan it is another. These texts and emails create the sense of urgency mentioned above as they:
- Say they could not deliver a package and need you to contact them to reschedule.
- Ask you to confirm personal information because there is a problem with your account.
- Say there is suspicious activity on your account and you need to change your password via the attached QR code.
What you can do
Inspect URLs before you open them. If it is one you think you recognize, double-check there are no misspellings or switched letters.
If you think the message is legitimate, use a phone number or website you know is sound to contact the company as opposed to using the QR code.
Update phone operating systems to protect against hackers, and use strong passwords and multi-factor authentication to protect online accounts.
Preying on gift card buyers
Copying gift card numbers and their activation codes from where they are kept in stores is a common and simple method of thievery. Once that gift card is bought and activated by an unsuspecting consumer, the fraudster is able to use that card for purchases.
Purchasing gift cards that are kept near checkout lanes where they are more easily seen, and ensuring the cardboard surrounding the gift card has not been tampered with in any way, are ways to protect against this.
Gift cards are used by scammers in a number of other ways as well. Information regarding these scams can be found here.
Porch pirates, phishing, and more
“Phishing emails and phishing texts are still high on the radar,” Keith Morgan, President and CEO of Wyoming-Kentwood Chamber of Commerce, told WKTV.
Phishing, defined as the fraudulent practice of sending messages designed to trick individuals into revealing personal information, is one of the most common conduits for fraud.
Grevious urges consumers to avoid emails that tell you to re-log into another account you may have, and offer a link to do so. Social media site names are regularly utilized for this scam, and are often ploys that will reveal your password to the sender.
“Your Facebook password may offer a clue on how to get into more important accounts — like bank accounts,” said Grevious.
“People have a lot of similar passwords because it’s too hard to remember 200 different passwords to everything.”
An online scam could also be as simple as clicking on a link to track an order. Scam artists often use the names of larger corporations to send emails offering a link to track an order the consumer may not remember placing.
Grevious urges consumers to hover their computer mouse over the link, which will reveal a bar that states where it will actually take you. Hovering over the sender’s name to see the email address associated with that email is also a good idea. If it is a jumble of letters and numbers, it is not legitimate.
Also look at the browser — if there is a lock symbol and “https” listed there, it means it is a secure and authentic site.
“It is really important that people are vigilant all the time,” said Grevious. “Look for simple grammar and spelling mistakes. Big companies make sure everything is spelled correctly.”
Fake deliveries are another popular scam.
“If someone says they dropped something off, or was sent to the wrong place, and want to confirm that it was sent to the right place [is a red flag],” said Morgan, adding that they will then try to get you to enter personal information.
Porch pirate thefts are a non internet-based scam that involves stealing delivered packages off residential and business porches.
Cameras at the front of the house or business can protect against thefts. Another option is to have packages delivered to a safe and secure place as opposed to the porch.
“Sometimes homeowners will have packages delivered to the side of the house if they are not going to be there,” said Morgan. “Some organizations with delivery services will allow you to have it delivered while you are at home so you know it gets there.”
Eliminate hurry, double-check sources
Slowing down is also key to ensuring consumers don’t miss something important.
“Think before you act,” Grevious said. “Our culture has a quick-go pace. We do a lot on our phones, so we don’t do that double-checking and hovering. “You are in control of your information and who you are talking to. Think before you act.”
Consumers are also urged to speak up if they become victims of a scam.
“The more people let us know what is happening, the more we can help,” said Grevious.
Resources and Fraud Report Links:
Better Business Bureau consumer resources, scam tracking, scam alert and how to spot a scam email.
Identity theft, contact the Federal Trade Commission: Identity Theft.
Phone scams: Report Fraud.
Tax scams or relating to the IRS: IRS.
