Start Summit: Innovating to protect elderly from online fraud

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by Jane Margesson
Executive director
AARP Maine

While new technology has opened up avenues for communication, learning, and entertainment, it has also given rise to a serious problem — online fraud. Older adults, in particular, are often targeted by predators seeking to exploit their trust and lack of familiarity with the digital landscape.

How might we develop a solution to protect older adults from online fraud?

The Roux Institute, in partnership with Maine Connectivity Authority, AARP Maine, the University of Maine Center on Aging, and Foster Center for Innovation, invites you to our upcoming Start Summit – the opportunity to creatively address this challenge and transform ideas into action.

At this fun and interactive event, you’ll experience what it’s like to build a startup solution in a very short time – all with the support of facilitators and mentors and fueled by good food!

On Friday, you’ll hear from a panel of business and cybersecurity experts on the topic of the challenge and opportunity of protecting older adults from online fraud.

On Saturday, participants will develop an innovative idea with a randomized team and participate in educational entrepreneurship workshops. The day culminates in a pitch competition with cash prizes followed by more snacks and networking.

Members of the first place team will receive $500 each, and members of the second place team will receive $200 each. Winners will also have the opportunity for ongoing entrepreneurial support from the Roux Institute as-needed.

No prior experience is necessary to participate. This Start Summit is open to all. Registration is required. Registration includes summit participation, educational workshops, food and beverage, networking events, and more. Note: Participants who have won prior Start Summits will not receive cash prizes.

The summit will take place at the University of Maine, Wells Conference Center, (131 Munson Rd, Orono, ME 04469), Friday, October 4 (5 – 7 p.m.), and Saturday, October 5, (9 a.m. – 5 p.m.)

Please contact Alf Anderson at aanderson@aarp.org or Jane Margesson at jmargesson@aarp.org. Early bird registration open. Follow the link to view the full agenda and register: www.rouxevents.northeastern.edu/startsummitdigitalequityaging Note: This is not an AARP website. Any information you provide to the host organization will be governed by its privacy policy.

How to protect yourself from holiday shopping scams

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image: AARP

Online scams cost Americans nearly $7 billion throughout 2021, according to the FBI, and with the holiday shopping season ramping up, it’s vital that people understand how to avoid falling victim to scams.

“Scams often increase with consumer spending, making the holidays ripe for scammers trying to take advantage of the season’s sense of urgency and scarcity,” said Amy Maliga, a financial educator with Take Charge America, a nonprofit credit counseling and debt management agency. “It’s not enough to be aware of scams, though. You have to learn how to watch for and avoid them so your happy holidays don’t turn into a nightmare.”

Maliga shares several things to do and watch out for to avoid falling prey to holiday shopping scams:

– Use secure payment methods: Be wary of websites or sellers that request unusual payment methods like wire transfers, cashier’s checks or apps. Stick to secure payment options such as major credit cards or PayPal.

– Check for site security: Look for ‘https’ at the front of the site’s URL and the small lock icon in the browser window. These indicate that the website is secure, ensuring any data you share (such as credit card numbers or shipping details) will be encrypted when you submit it.

– Watch for spelling and grammatical errors: If you notice a plethora of spelling and grammar mistakes on a website, social media posts or other promotional materials, you likely want to shop elsewhere.

– Pay attention to reviews: Reviews can reveal much about online retailers and sellers. Are there lots of poor reviews from buyers who didn’t receive what they purchased? Or are there numerous glowing reviews that all read alike? Either may indicate the site isn’t what it claims to be.

– Watch for ‘phishy’ confirmation emails: If you receive a confirmation email for an order you didn’t place, ignore and delete it. Knowing people are likely making several orders, scammers will send a phishing email disguised to resemble a confirmation notice from legitimate retailers. If it appears legit, try manually searching the order number on the retailer’s website instead of clicking on any included links.

Don’t let scammers steal your money or your holiday cheer. If a deal or website appears too good to be true, it likely is.

For additional resources to combat financial scams and ensure holiday shopping success, explore Take Charge America’s Budget Tools.

Hack Friday: millions fall victim to scams

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Nearly 100 million Americans have fallen victim to online shopping scams, it was revealed today, as 112 million US shoppers prepare to embark on the biggest bargain hunts of the year.

Research from cybersecurity company NordVPN can reveal that 37 percent of Americans have been scammed while shopping online — equivalent to 95.6 million people.

With Black Friday less than a week away, cyber scammers have their sights on the four in five Americans who might take part in the event — 43.2 percent of US shoppers say they’ll head online for Cyber Monday, Black Friday or the Christmas sales, with a further 37.7 percent still to decide.

The task of online criminals is being made easier by the millions of US consumers prepared to offer up a treasure trove of personal information in exchange for an extra markdown or freebie — and those who have already been scammed are at the front of the queue.

Of those people who have previously experienced a scam, many admit they’d still be prepared to hand over a bunch of bizarrely irrelevant information to get a big discount or freebie.

One in ten (10.5 percent) would hand over their credit card details, 7.6 percent would give their social security number and one in eight (12.2 percent) would reveal where they worked. A further 7 percent would even reveal their children’s names for the chance to bag an extra bargain. Those people who were willing to disclose their social security number were nearly TWICE as likely to have been scammed.

All told, 88.6 percent of scam victims are still willing to hand over at least some personal data to land a bonus gift, discount or free service.

The study also revealed that 18.8 percent of Americans consider the security of websites their lowest priority when shopping online. By comparison, price was the biggest driver, with 30.1 percent of people choosing it as their chief concern.

Marijus Briedis, Chief Technology Officer at NordVPN, said:

“Black Friday is a honeypot for scammers so the 112 million Americans preparing to attack the biggest bargain hunts of the year had better be on their guard.

“It’s vital to pay attention to the security certificates on websites and be wary of any site asking for details that they just don’t need. If an offer looks too good to be true, it probably is.”

Beware of energy saving scammers

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image: AARP

Summer is coming, and rising temperatures mean high air conditioning bills. Scammers have devised a new con that claims to “save you money.” Con artists, posing as local government and utility company representatives, are offering phony home energy audits and services. Here’s what you need to know to spot the scam.

How the scam works

You are contacted over the phone or in person at your front door. The “representative” introduces themselves as working for your utility company or with the energy division of your local government. They may even show you identification, but it isn’t real.

Scammers inform you that you could be saving big on your energy bill. Some con artists will even insist on a tour of your home. These individuals may offer to install filters, thermostats, or other energy equipment to lower your bill, or they may say simply you are eligible to pay less. In either case, they’ll ask you to sign a contract and possibly even run a credit check. They will also ask for billing information, including your debit or credit card number.

In the end, you won’t receive any discount on your energy bill or any services. The equipment you were promised won’t be delivered. That’s because this “home energy audit” is a scam. You may, however, be charged the fees mentioned in the contract, and your personal information will be in the hands of a scammer.

How to avoid impersonation scams

Don’t agree to anything on the spot. No matter how good the deal seems or how urgent the individual makes their offer seem, take time to do your research. Tell the person you need time to think about their offer and hang up or close the door. Scammers may tell you you’ll miss out on the deal, but taking immediate action isn’t worth getting scammed.

Go to the source. Contact your local government agency or your utility company directly to confirm whether they really are offering energy audit services. This is the quickest way to find out if you are dealing with an impostor.

Get help. If you aren’t sure about what you’re being offered, talk to someone. Call a trusted friend or family member or contact your local BBB to find out if it you are dealing with a scam.

For more information

Learn more ways to protect yourself from scams by reading the BBB’s tip on avoiding impostor scams. You can find additional information at BBB.org/AvoidScams.

Become a skilled scam spotter by visiting BBB.org/SpotaScam and report any suspicious activity to BBB.org/ScamTracker.

Social Security launches new campaign to fight scammers

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Campaign comes at a time of increased scamming activity in central Maine

The Social Security Administration launched a new Public Service Announcement (PSA) campaign to continue warning people about the ongoing nationwide telephone impersonation scheme. The PSAs feature a message from Social Security Commissioner Andrew Saul. Social Security and its Office of the Inspector General (OIG) continue to receive reports about fraudulent phone calls from people falsely claiming to be Social Security employees. The scammers mislead victims into making cash or gift card payments for help with purported identity theft, or to avoid arrest for bogus Social Security number problems.

“I want every American to know that if a suspicious caller states there is a problem with their Social Security number or account, they should hang up and never give the caller money or personal information. People should then go online to oig.ssa.gov to report the scam call to Social Security,” said Commissioner Saul.

People should also be on the lookout for a new version of this scam. Fraudsters are now emailing fake documents in attempts to get people to comply with their demands. Victims have received emails with attached letters and reports that appear to be from Social Security or the OIG. The letters may use official letterhead and government jargon to convince victims they are legitimate; they may also contain misspellings and grammar mistakes.

The new PSA addressing the telephone impersonation scheme is available online at www.youtube.com/socialsecurity and below:

Social Security employees do occasionally contact people – generally those who have ongoing business with the agency – by telephone for business purposes. However, Social Security employees will never threaten a person, or promise a Social Security benefit approval, or increase, in exchange for information or money. In those cases, the call is fraudulent and people should just hang up.

Generally, the agency mainly calls people who have recently applied for a Social Security benefit, someone who is already receiving payments and requires an update to their record, or a person who has requested a phone call from the agency. If a person is not in one of these situations, they normally would not receive a call from the agency.

Social Security will not:

  • Tell you that your Social Security number has been suspended.
  • Contact you to demand an immediate payment.
  • Ask you for credit or debit card numbers over the phone.
  • Require a specific means of debt repayment, like a prepaid debit card, a retail gift card, or cash.
  • Demand that you pay a Social Security debt without the ability to appeal the amount you owe.
  • Promise a Social Security benefit approval, or increase, in exchange for information or money.

If there is a problem with a person’s Social Security number or record, in most cases Social Security will mail a letter. If a person needs to submit payments to Social Security, the agency will send a letter with instructions and payment options. People should never provide information or payment over the phone or Internet unless they are certain of who is receiving it.

AARP SCAM ALERT: Bank Imposter Scam

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A new scam that has emerged this summer involves criminals posing as bank representatives and offering to pick up a customer’s “compromised” bank card. This scam originates over the phone with the impostor offering to send a ”senior services” agent to the house to pick up the credit card or debit card and PIN so the problem can be fixed. The crook then racks up credit card debt or drains checking accounts attached to debit cards.

Know this: banks don’t have “senior service centers” from which they send bank employees to your home. If you get a call like this, hang up.

Be a fraud fighter! If you can spot a scam, you can stop a scam.

Visit the AARP Fraud Watch Network at www.aarp.org/fraudwatchnetwork or call the AARP Fraud Watch Network Helpline at 1-877-908-3360 to report a scam or get help if you’ve fallen victim.

AARP SCAM ALERT – ID Theft: What to do next

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We take a lot of precautions to protect our personal information, but we’re not the only people responsible for our data. So many different entities have our personal information it’s hard to keep track of. Our banks, health providers, email TV and Internet provider, retailers and more all have our data and many of them have been hacked. The reality is that most Americans have already had their identity compromised. So what can we do to protect ourselves after the fact?

Here are three steps to protecting yourself after your personal information has been stolen.

1) Sign up for credit monitoring that will alert you if someone tried to open an account in your name.
2) Place a free security freeze on your credit to help stop identity thieves from opening new accounts in your name.
3) Establish online access to all of your bank accounts, credit cards and retirement accounts and check them frequently.

Be a fraud fighter!  If you can spot a scam, you can stop a scam.

Visit the AARP Fraud Watch Network at www.aarp.org/fraudwatchnetwork  or call the AARP Fraud Watch Network Helpline at 1-877-908-3360 to report a scam or get help if you’ve fallen victim.

AARP SCAM ALERT: Medicare Open Enrollment Scam

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Medicare Open Enrollment season is here, which means it is also Medicare fraud season. Between now and December 7th seniors across the country will be shopping for the best deal for their health care dollar. Unfortunately some of the deals they will be offered won’t be deals at all.

Medicare scams are expected to spike during open enrollment season with scammers posing as impostors calling and emailing seniors offering free gifts or limited time offers. These scams are all designed to capture your Medicare number so the crooks can charge Medicare for services you didn’t receive.

Be suspicious of anyone who calls, emails or visits you promoting a Medicare plan. Legitimate health plans can only contact you if you’ve requested information. Don’t give personal information to anyone who calls or visits out of the blue and always review your Medicare statement to ensure fraudulent charges aren’t included.

Be a fraud fighter!  If you can spot a scam, you can stop a scam.

Visit the AARP Fraud Watch Network at www.aarp.org/fraudwatchnetwork  or call the AARP Fraud Watch Network Helpline at 1-877-908-3360 to report

AARP SCAM ALERT: National Cyber Security Month

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October is National Cyber Security Month and there are three keys to staying safe online: Own it, Secure it, and Protect it. The “it” is your digital profile – the personal things about yourself that you put online. Living in the digital age means putting a lot of personal information online like your home address, where you work, family members, and much more. Keeping that information safe requires a bit of work. First, you need to own it by understanding what you’re putting out there (such as what you’re posting on social media). Next, you have to secure it with strong passwords or using a password manager and enabling two-step authentication where available. Lastly, you need to protect it by staying current with the latest security updates on your devices and using Public Wi-Fi safely. Learn more at staysafeonline.org.

Be a fraud fighter! If you can spot a scam, you can stop a scam.

Visit the AARP Fraud Watch Network at www.aarp.org/fraudwatchnetwork or call the AARP Fraud Watch Network Helpline at 1-877-908-3360 to report a scam or get help if you’ve fallen victim.

AARP SCAM ALERT: Gift Cards and Fraud

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You see them in just about every store you shop in, colorful kiosks filled with gift cards. Gift cards for everything from coffee to movies to video games. What you don’t realize is those colorful cards can also be the currency of fraud.

Gift cards are one of the top ways today’s scammers steal money from their victims. They convince their targets to purchase gift cards and share the numbers and security codes. Once shared, the scammer drains the value of the card and disappears. Keep this in mind: if someone asks you to pay for something by gift card, it’s a scam.

Be a fraud fighter! If you can spot a scam, you can stop a scam and remember, only scammers ask you to pay with gift cards.

Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at www.aarp.org/fraudwatchnetwork.