Defense Against Crime

18/04/2017

IRS Scam Revisited


I8240087_G‘ve written before that I’ve received several phone calls from someone whose native language wasn’t english claiming to be from the IRS.  It was soo obvious to me from the call that this was a scam.

Since that time I’ve received the same call..from various places in the US including New Mexico, California, Rhode Island…all stating he IRS has a warrant for my arrest unless I pay taxes…blah blah blah.

Since today is Tax day I guess these people thought they thought they would try again. Apparently, these criminals have gotten some funding, because  now they are using RoboCall. What is funny is even though it’s an electronic voice, it uses the same bad sentence structure of someone whose native language isn’t US English.

 

Here are TIPS from IRS.gov

Here are five things the scammers often do but the IRS will not do. Any one of these five things is a tell-tale sign of a scam. The IRS will never:

  1. Call to demand immediate payment, nor will they call about taxes owed without first having mailed you a bill in an official IRS Envelope with contact information that you can verify at your local IRS office…
  2. Demand that you pay taxes without giving you the opportunity to question or appeal the amount they say you owe.
  3. Require you to use a specific payment method for your taxes, such as a prepaid debit card.  Just like with your income taxes they will set up agreed payment options for you.
  4. Ask for credit or debit card numbers over the phone.
  5. Threaten to bring in local police or other law-enforcement groups to have you arrested for not paying. It’s a Federal crime..and only the Feds will be involved.

If you get a phone call from someone claiming to be from the IRS and asking for money, here’s what you should do:

  • If you know you owe taxes or think you might owe, call the IRS at 1.800.829.1040 (see IRS.gov site). The IRS workers can help you with a payment issue.
  • If you know you don’t owe taxes or have no reason to believe that you do, report the incident to the Treasury Inspector General for Tax Administration (TIGTA) at 1.800.366.4484 or at www.tigta.gov.
  • You can file a complaint using the FTC Complaint Assistant; choose “Other” and then “Impostor Scams.” If the complaint involves someone impersonating the IRS, include the words “IRS Telephone Scam” in the notes.  [See update at top of page.]

Remember, too, the IRS does not use unsolicited email, text messages or any social media to discuss your personal tax issue. For more information on reporting tax scams, go to http://www.irs.gov and type “scam” in the search box.

 

17/01/2017

Cashier’s Check Scam on Craigslist


First I’m going to say I have nothing against Craig’s List as a service. When I moved, I sold most of my extra furniture on there, and I’ve purchased items from craigslist.  Most of the people on there are honest. I said most. However I recently tried to sell a projector TV on craigslist. I was asking only $300 OBO.  Within a few hours of posting the add I got a text message from a number in Florida (I wish I had saved the number) from someone who wanted to purchase it.  (CLUE:?).

The person told me that he would send me a check and then arrange for someone to pick it up. (CLUE). Knowing a wee bit about they types of the scams that are out there here is a big clue.  PAYING MORE THAN YOU ASK and asking for the difference back.   I informed him that If I received more than what was asked that I would return the check.  He seemed to understand.  He even said that I could wait until the checked cleared before proceeding. That sounded good..but I still felt uneasy.  He wanted my address..so I gave my work address, and waited to see what happened next.

Next I did what I recommend you all to do.  I Googled the number that was texting me.  It came up a lot in a google search associated with lots of red flags. (CLUE 2)

Starting the few days I started getting these messages

thumbnail_screenshot_20170117-144600

Now please note just how much this guy texted on a Saturday. Ask why would someone send money to send a check Priority mail for an old TV.  As a general rule I go cell phone free on weekends.  But anyway on Monday January 16 (which is a FEDERAL HOLIDAY), he kept texting.
I politely told him two things.  Banks were closed on Federal Holidays, I don’t work on

Federal Holidays.thumbnail_screenshot_20170117-144114

The guy kept wanting me to ‘Deposit the funds’.

thumbnail_screenshot_20170117-144144

So On Tuesday I received the office mail.

Now quick what was the name of the buyer?

A: Frank Perry.

Here is the envelope.

20170117_133903

Now the wonderful think about tracking numbers, you can tell where they were mailed.

According to the tracker this came from LeHigh Acres FL which is about 185 miles away from the address on the package.   (CLUE)

Then I looked at the check.  Do you remember How much I asked for?

20170117_133912

So even though I took the cashier’s check to the bank to see if they could tell if it was a fake check.  The teller couldn’t.

I then informed the client that I would be returning the check and needed to validate their mailing address.  Remember, I did tell them this was a big No No  They have not responded, despite all of the early texting urging me to deposit the funds.

Now There are several Federal laws that were broken here..but it his highly doubtful that anyone will be caught…

SO We tell these stories to help prevent people from being scammed…

Resources:

PepperEyes Self-Defense, Safety and Security Store is dedicated to providing you with the best and most affordable self-defense products, survival and safety products on the market to meet the security needs of you, your family members or your business, by assisting anyone who is unwilling to become a victim of crime.  If you want to take personal responsibility for protection, home security, business security, purchase our high quality discount self-defense products. Survival kits  and arm yourself with the knowledge about self-defense and security products and information of the best way to stay secure in an ever-increasing violent world. In today’s society, being equipped mentally and physically is no longer an option.

09/01/2017

Free Government Money…Really?


I few years ago, I received a phone call from a person who enthusiastically told me that I has won a FREE Government Grant.  With the FREE Money I could pay off debt, stat a business and on an own. It was a program set up by some government agency.  I’m not going to re-tell the story as I’ve already written about it and you can click the link to read. it.

Well the other day I received this e-mail

emailscam

 

Needless to say that this looked familiar. Ronald Regan said ” The nine most terrifying words in the English language are: ‘I’m from thegovernment and I’m here to help'”. While I think the Federal Government does do a lot of good, there are many people who are often fooled by these scams because they are aware of how much money they government does waste.  But know they Congress does waste lots of money, but usually entities apply for it, and Congress grants it to those entities.  Government grants are not freely given to individuals. They only individual grants I know of are educational grants for students, but these come from money allocated to the Department of Education. Grants are given to organizations and corporations who apply for them.

Is the government giving away free money….NO!

Are there organization that give money to help people..YES.

What is likely the case… They want your money by asking for a FEE for this FREE money, or they want your personal information for identity theft.

WHAT TO DO!

  1. Research the offer or company.. google them
  2. Report them to the FTC if necessary
  3. Make them as SPAM

 

 

PepperEyes Self-Defense, Safety and Security Store is dedicated to providing you with the best and most affordable self-defense products, survival and safety products on the market to meet the security needs of you, your family members or your business, by assisting anyone who is unwilling to become a victim of crime.  If you want to take personal responsibility for protection, home security, business security, purchase our high quality discount self-defense products. Survival kits  and arm yourself with the knowledge about self-defense and security products and information of the best way to stay secure in an ever-increasing violent world. In today’s society, being equipped mentally and physically is no longer an option.

 

25/11/2016

Greed Plus Stupidity equals Danger


Yesterday, I received a Phone call. I didn’t check the number at the time.  I later looked atAnnoying call my phone and the number was from (876)-321-3946 (Jamaica).  The gentleman told me that I had won 6.5 Million Dollars and a New BMW.  He then asked if I was excited about this. I asked him to repeat himself, and he did.  Mind you I did not enter any contest, which is the first indicator that this is a SCAM.  He then asked if I was near a western union, I was about two block from one.  I told him “No”.  He went on to say that the IRS required that I fill out a form…blah blah blah.  In my mind, I was thinking “The IRS doesn’t use Western Union”. He went on to say that the IRS required me to pay some type of fee …blah blah blah.  The was the other big key to this being a SCAM.  See if you win a cash prize, you are required by the IRS to list it on your income taxes, you do not pay penalties and taxes before you received the fund, however since your winnings are reported to the IRS, they know what you won.

I’m sure several of my readers have receive scam calls. I know I received about 20 of the IRS Scam calls. That’s the one that wants to scare you by informing you that you are about to be arrested by the IRS unless you wire them money right away (Click here to learn more).  There is also a Government Grant Scam you need to be aware of.

The calls the one I receive depends on two factors from my end. The first is Greed.  Free MONEY.  Free Millions.  I mean that’s why like of people play the lottery.  For $1 I can possible be a millionaire, however, usually someone you don’t know may win. At least we know there are winners, but the odds are the winner won’t be you.  The second factor for this scam is stupidity or ignorance of the law.  See the scammer threw around the ‘IRS’ term several times to make themselves sound legitimate.  Fortunately, I do my own taxes, so I know you pay taxes based on what you have received in your hands, not the promise of money.

According to IRS regulations you don’t pay taxes to enter a sweepstakes. You should not pay to play a sweepstakes. In addition, sweepstakes prizes and gambling wins must be reported and are taxed differently. If a sweepstakes sponsor tries to withhold some of your winnings, you need to take extra care that you are not dealing with a sweepstakes scam.

The IRS requires that you report your sweepstakes winnings as “Other Income” no matter what the value.  Also, remember, too, that although sweepstakes sponsors must file a 1099 form for prizes over $600, they can report prizes of any amount to the IRS. If a sponsor reports you as a winner but you don’t report the prize on your taxes, the IRS might notice the discrepancy and investigate your taxes.

 Things You Can Do to Avoid Being Scammed

  • Spot Deception. Scammers often pretend to be someone you trust, like a government official, a family member, a charity, or a company you do business with. Don’t send money or give out personal information in response to an unexpected request — whether it comes as a text, a phone call, or an email.
  • Learn the Facts: Type a company or product name into your favorite search engine along the with words like “review,” “complaint” or “scam.” Or search for a phrase that describes your situation, like “IRS call.” You can even search for phone numbers to see if other people have reported them as scams.
  • Seeing is NOT Believing -Don’t believe your caller ID. Technology makes it easy for scammers to fake caller ID information, so the name and number you see aren’t always real. If someone calls asking for money or personal information, hang up. If you think the caller might be telling the truth, call back to a number you know is genuine.
  • Don’t buy a pig in a poke! – Someone might ask you to pay in advance for things like lottery winnings, debt relief, credit and loan offers, mortgage assistance, or a job. They might even say you’ve won a prize, but first you have to pay taxes or fees. If you do, they will probably take your money and disappear.
  • Consider how you pay. Credit cards have significant fraud protection built in, but some payment methods don’t. Wiring money through services like Western Union or MoneyGram is risky because it’s nearly impossible to get your money back. That’s also true for reloadable cards like MoneyPak Reloadit or Vanilla. Government offices and honest companies won’t require you to use these payment methods.
  • Talk to a real person. – Before you give up your money or personal information, talk to someone you trust. Con artists want you to make decisions in a hurry. They might even threaten you. Slow down, check out the story, do an online search, consult an expert — or just tell a friend. If you are like me and you suspect something, give them fake information.  I have a whole fake persona that I have complete with name, birthday, SSN, and I use an  old address.
  • Terminate robocalls. – If you answer the phone and hear a recorded sales pitch, hang up and report it to the FTC. These calls are illegal, and often the products are bogus. Don’t press 1 to speak to a person or to be taken off the list. That could lead to more calls.
  • Be suspicious about free trial offers. Some companies use free trials to sign you up for products and bill you every month until you cancel. Before you agree to a free trial, research the company and read the cancellation policy. And always review your monthly statements for charges you don’t recognize. This is especially true of internet and radio ads.
  • Don’t deposit a check you receive and wire money back. By law, banks must make funds from deposited checks available within days, but uncovering a fake check can take weeks. If a check you receive from a company is deposited into your account turns out to be a fake, you’re responsible for repaying the bank. This is a well-known scam of sweepstakes, and job offers.
  • Sign up for free scam alerts from the FTC at ftc.gov/scams. Get the latest tips and advice about scams sent right to your inbox.

If you spot a scam, report it at ftc.gov/complaint. Your reports help the FTC and other law enforcement investigate scams and bring crooks to justice.

PepperEyes Self-Defense, Safety and Security Store is dedicated to providing you with the best and most affordable self-defense products, survival and safety products on the market to meet the security needs of you, your family members or your business, by assisting anyone who is unwilling to become a victim of crime.  If you want to take personal responsibility for protection, home security, business security, purchase our high-quality discount self-defense products. Survival kits and arm yourself with the knowledge about self-defense and security products and information of the best way to stay secure in an ever-increasing violent world. In today’s society, being equipped mentally and physically is no longer an option.

10/03/2015

Dealing with Collection Scams


It seems that since spring is coming, more scammers are coming out. The other day I received the IRS b25belderly-smartphone-620x350Scam call. Yesterday I received the following call.

Hi my name is Janet Murphy I’m calling for (Name). I am from the State Official Office, and I’m contacting your today to inform you that I have received an order to produce a body attachment against (name). I will be dispatching an enforcement officer to your residence or place of employment to enforce the body of attachment. You can also contact the party that filed the order, the Interstate Financial Bureau at 844-710-8966. Please secure and large animals or firearms.

 

Once again I received a call from my secretary telling me about the call. Here is a few things that let me know it was a scam.

 

  1. You can’t get arrested for bad debt, only bad checks. Currently the we don’t have debtors prisons. However, given one of more US political parties has a predilection to do the bidding of corporations that might change. You can Google usury Laws. You can get sued over bad debt and go to court.
  2. The person whose name they were using  (a relative) died in 1992, and lived in another state. ’m pretty sure that they didn’t have any outstanding loans.
  3. While individual loan companies may contact you by phone, all legal documents are either sent by mail, or delivered by a member of the law enforcement community. Ie a summon to appear in court

 

There are many loan agencies and debt collectors that resort to unethical methods to collect debt. Including threatening debtors, or family members of debtors or people with the same name. Under the Federal Fair Debt Collection Practices Act (FDCPA) you have certain protections and the collectors have certain rules they must follow. This doesn’t mean that all of them will.

Here are some things debt collectors cannot do:

Collectors are not allowed to contact your spouse, your parents (only if you are a minor), and your co-debtors. Many of them will make these contacts, unless you have sent a letter requesting them to stop contacting you. There is one other exception. Debt collectors are allowed to contact third parties for the limited purpose of finding information about your whereabouts. In these contacts, collectors:

 

  • must state their name and that they are confirming location information about you
  • cannot identify their employer unless asked
  • cannot state that you owe a debt
  • cannot contact a third party more than once unless required to do so by the third party, or unless they believe the third party’s earlier response was wrong or incomplete and that the third party has correct or complete information
  • cannot communicate by postcard
  • cannot use any words or symbols on the outside of an envelope that indicate they are trying to collect a debt (including a business logo or letterhead) if either would give away the purpose of the letter, and cannot call third parties for location information once they know an attorney represents you.

 

What you can do.

  1. Know you rights under the Fair debt collection practices act. You can request in writing the following information They have 30 days to respond to your inquiry. It is also smart to send the letter return-receipt-requested so that you have proof that they received.
    1. Provide evidence that the named debt is actually mine.
    2. Provide evidence of the Original Creditor from whom I signed the contract.
    3. Provide evidence of what the money is owed for; and what purchases did I make or what Services did I contractually receive?
    4. Provide evidence of details and calculations of how you calculated that amount including fee billing.
    5. Provide evidence of letters or proof that I agreed to pay what you say I owe.
    6. Provide evidence of verification or judgment of any debts owed.
    7. Provide evidence of the Statute of Limitations has not expired on this debt
    8. Provide evidence of they are licensed to collect this debt in my State
    9. Provide evidence of their Debt Collection Rights License #
    10. Provide evidence of that they are authorized to collect this debt on behalf of the Original Creditor.
    11. Provide evidence of complete transaction and payment history from the Original Creditor.
    12. Provide evidence of what the original amount was when this Debt was assigned to your Debt Collection Agency. **
    13. Provide evidence of any fees and interest charges that have been added on to this debt. **
    14. Provide evidence of how you determined and arrived at these fees. **
    15. Provide evidence of a copy of the original signed loan or credit card application with the Original Creditor.
  2. If they continue to harass you there is a team of lawyers ready to assist you at CollectionBully.com The FDCPA protects your rights against out-of-control collectors. A CollectionBully.com law firm will evaluate your case for FREE.

Resources

 

PepperEyes.com is dedicated to providing you with the best and most affordable self-defense products, survival and safety products on the market to meet the security needs of you, your family members or your business, by assisting anyone who is unwilling to become a victim of crime. If you want to take personal responsibility for protection, home security, business security, purchase our high quality discount self-defense products. Survivals kits, and arm yourself with the knowledge about self-defense and security products and information of the best way to stay secure in an ever-increasing violent world. In today’s society, being equipped mentally and physically is no longer an option.

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