If You’re A Veteran, Watch Out For These Scams

Scammers target veterans

Veterans are the target of a new benefits scam. Scammers call veterans to talk about their medical care and the Veterans Choice Program. The VCP is a part of the U.S. Department of Veterans Affairs (VA). The program allows eligible vets to access approved health care providers who operate outside the VA network.

Fraudsters try to trick veterans into answering important questions such as social security number, date of birth, and bank account information. In addition to health care scams, the callers approach veterans about updating their information, credit cards or financial services including home loans.

Spoofing

The scam involves using a phone number designed to fool people into believing the call is from the VA. Con artists may use lingo that is related to veteran benefits. They may sound like legitimate representatives. They set up phony 1-800 numbers to lure the veteran or family member into thinking that they have reached the VCP. It may contain a message stating that the veteran is eligible for a rebate or other services if the caller supplies a credit card number. The VA will never request financial information over the phone, nor will any other government agency. The real number for the Veterans Choice Program is 866-606-8198.

Callers may also leave a voice message to get you to return the call. A common message: “Your VA profile was flagged for two potential benefits to the changes in the VA program. These are time sensitive entitlements. Please call us back at your earliest convenience.”

If you call the number and it seems suspicious, hang up and verify the number. You can also use a phone app to do a reverse phone search to ensure the number is legitimate. If the call is not legitimate, report it to the VA’s identity theft prevention program, More Than a Number.

Email Scams

Scammers may also use email to get information. They often use official looking logos, seals or letterhead to resemble the real organization they claim to represent. The con artists will try to get you to send money or supply financial information. They will also “phish” for your information. If you receive such an email, you should take down the information, delete the email, and report it to the legitimate organization and to the Federal Trade Commission.

Ongoing Scams

Not all the scams listed are new. In fact, some have been going on for many years. Con artists keep them in rotation because they continue to be effective. Below is a list of common scams for veterans and their families.

Grandparent Scam

Although this is referred to as a “Grandparent Scam,” it can be used for any family member, civilian or military. The family member gets a call saying that a member of their family has been in an accident or is in jail and needs immediate assistance. The family member is instructed to send funds immediately through wire transfer or another untraceable method. Some may ask for a credit card or bank information. The family member is never in danger and the money disappears.

Rental Ruse

Con artists use this scam frequently to get money from potential tenants on properties they don’t own. Some go as far as trying to sell houses that belong to strangers. Scammers steal photos of properties off the Internet. They post ads on popular sites like Craigslist advertising the properties. When interested parties contact the “landlord,” they are told that the landlord is deployed military personnel or out of town on business. The would-be tenant must submit the rent and deposit upfront through wire transfer or another untraceable method. Upon receipt of the funds, the tenant will receive the keys.

Scammers may also offer military discounts to service members and their families upon return to the U.S. The landlord makes the same requests for payment through wire transfer or pre-paid gift cards.

Online Romance Scams

Fraudsters post fake profile pictures and information on dating sites to find true love with someone back home. The scam is so common that the U.S. Army receives hundreds of complaints each month regarding military members who have perpetrated a fraud. The real military personnel are unaware of the scam. The fake service member woos his target and eventually asks for money to cover an unexpected expense or SNAFU. Some claim they must find their way home from the deployment site.

Fake Job Listings

This scam targets younger veterans. Classified ads list potential jobs from government contractors. Veterans know employers may offer special consideration for military service. However, the scammer requires personal information before processing the vet’s application. Scammers steal the information and the vet never gets a job.

Military Loans

Scams offer loans to service members. The loans do not require a credit check and offer instant approval. Veterans receive the money but are required to pay upfront and hidden fees as well as crippling interest rates.

Benefits Buyout

Buyout programs are commonplace for people with annuities or cash settlements. Retired or disabled veterans in need of money may be convinced to take a cash payment in exchange for their pension benefits or future disability payments. The company issues payment but it’s only 30-40 percent of the value, leaving the veterans with a financial shortfall.

Life Insurance Scams

Hard sales tactics are used by agents who target veterans. They will use fake information in order to sign the veteran up for life insurance. The agent may convince the veteran that he works forthe Department of Veterans Affairs and to use his or her name as a beneficiary, which is illegal. Later, they will make false and inflated claims to cash in on policies. If the fraud is uncovered, the veteran is liable for the monies extended to the crooks. Be aware that the agent may claim to work for a legitimate organization such as AARP.

Conclusion

Thieves who steal personal information may use it for a wide variety of purposes. They may make withdrawals from bank accounts or open credit cards. At worst, they will sell the information on the black market or Dark Web, which means an untold number of people will have access to your information. You should always safeguard that information, but if that happens, there is little that can be done aside from shutting down accounts and opening new ones. Security companies, banks and credit card companies may offer identity theft protection, which is another way to protect yourself.

 

 

Cyberstalking is a Real Threat

Protect yourself from cyberstalking

Cyberstalking is the use of technology to harass or pursue a victim. Stalkers may use social media, phone calls, email and text messages to threaten, intimidate or steal a victim’s information. Cyberstalkers are driven by anger, jealousy, hatred, revenge, infatuation, and obsession. Some suffer from mental illness while others have no clear motive. A cyberstalker can be a stranger but is most likely an ex, schoolmate, co-worker, someone with whom you’ve had an argument, a fan or possible love interest.

Cyberstalkers may cause trouble for their victims. Cyberstalking can include cyberbullying, which often happens between adolescents. Cyberstalking can include actions of a sexual nature.

Stalking Facts

The National Center for Victims of Crime has published a list of stalking facts.

  • Cyberstalkers victimize 7.5 million people in the U.S. each year.
  • 15% of women and 6% of men have been stalked.
  • Most stalkers are known to the victim: 61% of female victims and 44% of male victims are stalked by current or former intimate partners; 25% of female victims and 32% of male victims are stalked by an acquaintance.
  • 50% of victims indicate they were stalked before the age of 25.
  • 1 in 8 stalking victims lose time from work as a result of stalking.
  • 1 in 7 stalking victims move as a result of stalking.
  • 2/3 of stalkers track their victims at least once per week.
  • 78% of stalkers use more than one method of approach.
  • Almost 1/3 of stalkers have stalked before.

Protect Yourself

  • You can take simple precautions to protect yourself from cyberstalking.
  • You should restrict access to your phone, computer, and other devices. Use strong passwords and change them often.
  • Run a search on your name to see what information is available online.
  • Ask friends and family not to post personal information on their social media accounts.
  • Don’t announce travel plans or share where you will be at a certain date and time.
  • Use screen names that are gender neutral.
  • Use anti-virus, spyware and anti-tracking software on all devices.
  • Never open attachments from unknown sources.
  • Don’t give out personal information.
  • Don’t get involved in online arguments.
  • Set up separate email addresses for dating sites and social media accounts.

After the Fact

If you think you have been cyberstalked, act immediately. Call the local authorities.

  • Change email accounts.
  • Take all suspicions and threats seriously.
  • Change your account passwords.
  • Report any illegal activity.
  • End contact with suspected cyberstalkers.
  • Record and block phone numbers or emails used to contact you.
  • Limit information on social media profiles.
  • Reset privacy settings on internet browsers and programs.
  • Delete online accounts if necessary.
  • Inform family and friends of your suspicions.
  • Be aware of any real-life stalking activity, including hang ups and missed calls or strange noises around your home.