Author: admin

  • Watch Receipts!

     

    This  one came from a senior center member:

    The latest scam is at the register.  After the order is rung up, some cashiers are adding some money to the bill, say, $20 or $30 to the bill.

    The cashier is saying the credit card machine is broken, adding  extra  to the receipt as if you asked for a  cash sum added to the bill.

    One shopper caught the cashier and asked for the supervisor.   The cashier was told to cancel the order and redo  the entire order.

    Had the shopper left the  line before checking the receipt, it would have  been difficult to prove the machine wasn’t broken, as the cashier tried to say.  This goes for all stores, gas stations, restaurants, hotels, and the like.

    There is always something new,  but if I  hear about it  I  will try to let you know.

     

    Be safe,

    Deborah E  Joyce

    “Identity Theft: A  Victims  Search For Justice”  DB103152 also BARD 

    Look for my column in Consumer Vision  Magazine by  Bob Branco

  • NPR interview with a Russian hacker

     

    His name is Dmitriy Smilianets, a young Russian hacker, claiming that he didn’t realize he was hurting people by stealing their money and personal information. It’s amazing how a thief/criminal can talk themselves into justification for their misdeeds…

    Here’s the profile – in the early 2000’s, he was 20 years old, and couldn’t find what he thought was a good job. He totaled his friends Mercedes, his friend demanding that he pay for a replacement.  An easy way out? Hacking.

    He joined a group called Carder Planet. They taught him how to steal credit card data through an online magazine. Hacked people outside Russia, it claims it’s okay because in America it’s a victimless crime. Banks, credit card companies, and insurance companies pay back the victim, so there’s no worry.  The average person doesn’t get hurt.

    Hackers infiltrating the U.S. almost never get prosecuted, so it’s worth big money. The magnetic strip on the back of your card holds all the data associated with the card – name, expiration date, 3 digit security code. The compromised ATM, gas pump, and supermarket checkout machine transfers all the data to the hacker.

    VladimirDrinkman is supposedly the most gifted hacker in the world. Dimitri and Vladimir met and the rest is history.

    Splitting the workload, Dimitriy handled the hacking, Vladimir (I think of him as Vlad the Impaler) concentrated on stealing the data. Finding themselves overworked, they hired more people. Everyone had a different past.

    Hacking servers, hacking data, hacking banks, each had a different role. Dimitriy was the CEO, Vlad was chief technology officer. His job was to break into networks, pulling the data out. Another was head of business development,  Roman Valeryevich Seleznev (aka Track2 ) was the chief data officer – he was a master at mining networks to steal data. The final member built a bulletproof server, which held the data of millions of credit cards.  They hacked 7-Eleven, JetBlue,  and Dow Jones, among others. Nobody was paying attention. Dimitriy was the average American guy next door – living in a house in New Jersey with a dog, no less. He and his crew spent millions of dollars. They ended up hacking into Heartland Payment Systems in 2007, they process payments on credit and debit cards. Visa, MasterCard, and American Express use them.

    They teamed up with a 20-year-old American hacker named Albert Gonzales. Gonzales found a bug in the Heartlands website giving them a way in. Even though the credit card information was encrypted by the company, the information has to de-crypted for a few minutes so Heartland can verify the information on the card. Only a few seconds, and the hackers were in.

    They found track data, even though Heartland thought they cleaned it up, Gonzales found a way back in. Arrested for something else, the group continued without him. More than a million pieces of data were pulled from Heartland daily. They stopped for a six-month breather, and resumed.

    In 2008, the head of Heartland was alerted by an employee that there was a big data dump – stolen credit cards – and they wanted to know how that happened. The dump was from Heartland.

    Thieves love this part because it’s like whack-a-mole… you can’t catch me, I’m over here, no I’m here! The adrenaline rush is the drug in addition to the monetary gain.

    Heartland lost 130 million credit card numbers. They have to pay $110 million to Visa, MasterCard and American Express. In 2009, the Secret Service filed charges against Gonzales. It was the largest data breach in U.S. history. Another company, Hannaford Brothers, was also breached.

    Gonzales is serving 20 years. Vlad and Dimitriy are still on the run. Dimitriy claims he only realized it was a crime when he saw the victims on the news. Even so, he couldn’t give it up.

         – Source”Hack Me If You Can” by Bob McMillan and Rachel Humphreys, Catherine Brewer from the Wall Street Journal

    Go to the Wall Street Journal’s show notes for episode 2

       
     

  • Security – What works?

  • Military and Veterans Resource Center

     

     

    I am a member of AARP fraud watch network in my state. Each month, we have a phone conference. I want to let the veterans out there know about a new resource. This comes from Jeff Abramos, who heads up our veteran’s military and families work which just had a huge launch with the new “Veterans Scams Resource Center.” Jeff had a conversation with Troy J. Broussard,  AARP Veterans’ Fraud Center. The center sent out a survey, where they found that one in three military veteran adults reported that they were losing money to scams that were trying to take advantage of the trust they have in the military community. They found veterans and active-duty service Members and their families were 40% more likely to lose money to scams and fraud than the civilian population.  In response to the survey, the fraud Center was set up.

    The main focus is on how they can make folks aware of it, giving them a one stop shop tool which is extremely important. Jeff works with AARP and the office of Community Engagement.  He also co-leads with Pete Jeffries in the Veteran’s Military and their families initiative.  He is a Desert Storm veteran as well. He feels it’s very important that we produce these types of resources to protect those who have protected us. The AARP Veteran Fraud Center is designed to alert veterans and their families about these latest games and how to avoid them.  It was found the biggest growth was benefit buyouts turning over to the US Department of Veteran’s Pension and Disability Benefits for this supposedly lump sum, 47% which was huge. Another 32% was for fraudulent record scam paying for updated military records and then to fake charities.

    The Fraud Center includes free resources, like the new AARP Watchdog Alerts and book “The Veterans Additions.” It’s going to highlight those tips to detect the most common scams. They work very closely with AARP Fraud Watch Network, with Jeff and the team,

    To make sure that they can provide these resources, this one stop shops and also operation “Protect Veterans”, which is a program that works together with the United States Postal Inspection service, puts everything for veterans on one landing page where they can share with each other

    Another resource is the following’

    Tragedy Assistance Program for Survivors (TAPS)
    3033 Wilson Boulevard, Third Floor, Arlington, VA 22201
    TAPS is always here for you with compassion and care 24/7 at  202. 588.TAPS (8277)
    www.taps.org

    In my book, “Identity Theft: A Victims Search for Justice,”  I wrote about a family friend who happened to be a colonel in the Army. She  was an Army nurse who helped bring me into the world over 60 years ago. My mother was gone, she was all I had left, even though she wasn’t technically a blood relative. A woman answered the phone saying she was my friend’s daughter. I knew she didn’t have children.

    It turned out she was a major who worked with my friend, who ended up having a brain tumor, and passed away. She told everyone she was my friend’s daughter, which she wasn’t, and pretty much took everything. Police wouldn’t get involved because she was military, military wouldn’t get involved because they didn’t know me, they wouldn’t even listen to the private detective I hired who proved everything I said was true.

    I never understood how it could happen, until I listens toMr. Broussard’s webinar.

    I had spoken to some veterans while researching my book. Finding out this information helps me to understand a little better how this woman could have gotten away with what she did. I wanted other service members to know about these resources. Please don’t let what happened to my friend, a colonel in the Army, happen to you or your loved ones.

    Thank you for your service, and happy Memorial Day

    Deborah E. Joyce

    read my blog@deborahejoyce.com

  • Man in the Mirror

    Reading the book, Humankind: A Hopeful History by Bregman, Rutger took me back to my MA in psychology course work. The author outlined some case studies that I was familiar with:

    The 1st told of Adolph Eichmann’s case. His lawyer pointed out that Eichmann was not a monster. One woman that sat in the courtroom remarked that what was so unsettling was that Eichmann was so terrifyingly normal and that there were so many like him. He was a fanatic that acted out of conviction, he did evil because he thought he was doing good. My note – is this was happening with Covid? Climate change? Our planet burning?

    28 September 1943 – A Nazi stood in front of the social Democratic Party leaders in Copenhagen. The Nazi is explaining that ships will anchor in the morning, that their fellow Jewish countrymen will be forcibly brought upon the ship and transported to an unknown place. The raid was set to take place on October 1, 1943 following detailed plans drawn up by the SS. At 8 PM hundreds of Nazi troops would knock upon the doors and have Jewish people turned over to them.The ship was equipped to hold 6000. Up until then, Denmark had no mandatory discrimination laws, no mandatory yellow badges, no confiscation of Jewish property..

    On the appointed night when Nazis knocked on the doors of Danish citizen,s they found that tens of thousands of Jewish Danes had been forewarned and had already fled. 99% of Denmark’s Jews survived the war

    It was found later the reason why the Danish citizens resisted  was because they saw an injustice. When they saw what was happening everybody in the country including the royal family planed escape routes, drew up plans to get their Jewish neighbors out. They felt to look away would be a betrayal of their country. They said we Danes don’t barter with our Constitution, the Danes always believed in a democratic system and felt that anyone that did not believe that was not considered worthy to be called a Dane.  7000 Danish Jewish citizens were saved.


    I remember a story about Kitty Genovese, coming home from work in March 1964 and being attacked on her way into her apartment. Neighbors heard her scream and did nothing, She was stabbed by her attacker 3 different times and died outside her apartment in the stairwell. The author found out the rest of the story – it was 3:19am, it was cold and everyone’s windows were closed. The street was poorly lit. Two neighbors called police, who said they’d already received calls but they never came. They thought she was drunk.  In those days people didn’t pay much attention to a husband beating his wife. Another neighbor who is homosexual and staying at his partner’s apartment was afraid to call police for fear of being beaten up, as homophobia was rampant in the sixties. The woman’s best friend ran out to find her friend bleeding and the attacker had ran away. She stayed with her friend until she died but that was never reported to the family. A historian moved into the area 10 years later and questioned the reporter, asked why it was not in the story. The reporter said his editor told him to leave it out, it was more of a sensational story that way. The family of the deceased woman never knew that part and stated later that if they had known she didn’t die alone, it would have helped their grieving process.

    The killer was caught by a bystander who noticed someone carrying a television out of an apartment. He called his neighbor to find out is Joe moving? The person said “no,” Joe isn’t moving. So the one man disabled the thief’s vehicle, the other called police.. It turned out the thief was Kitty Genovese’s murderer. I was never taught that last part in school.


    Another story was of a woman in Amsterdam who parked her car up by the canal and got out to retrieve her toddler in the backseat. The car started rolling, she jumped back in but it was too late and the car ended up in the canal. People stood and watched but one person ran to his car, grabbed a hammer and jumped into the river.  When that happened, other people jumped in to help, one woman handing a brick to one of the good Samaritans. That brick was used to break the back window, mother and child were pulled out. They said in another two seconds the car would have been too deep.


    Meta analysis is research about research. It analyzes a large group of other studies. This was used in the Bystander Effect, and is a meta-analysis published in 2011, which sheds new light on what bystanders do in an emergency. This will be looked at as one of the most important studies of the Bystander Effect from the past 50 years and found that it does exist. Even though sometimes we don’t think we need to intervene in an emergency because it makes more sense to let somebody else take charge, sometimes we are afraid to do the wrong thing and don’t intervene for fear of censure. Sometimes we don’t think anything is wrong especially if nobody else is taking action. If the emergency is life-threatening, someone drowning or being attacked, if the bystanders can communicate with each other there’s an inverse bystander effect. Additional bystanders mean more helping.

    The author arranged to meet a Danish psychologist, Mary Linda Guard. She explained she was the first one to ask why don’t we look at real footage with real people in real situations? She looked at the cameras which are all over the city. She has a database of over a thousand videos from Copenhagen, Cape Town, London, and Amsterdam.  They recorded robberies rapes and murders. She wrote the article “Almost Everything You Think You Know About the Bystander Effect is Wrong,” 90% of cases people help each other.

    The true stories should be reported to psychology students and also journalists.  This would teach the public three things: #1 – how out of whack our view of human nature really is,  #2 -how journalists push those buttons in order to have a story, and #3 -that in an emergency we really can count on each other

    What’s the connection? This is supposed to be a blog about identity theft. Well, I’ll tell you. The connection is people getting involved to help other people. As a victim of identity theft myself, I know how angry and frustrated I was when the district attorney didn’t look at, or review the documents and taped conversations from the financial institutions that were involved.

    I’m not the only one. I get involved because I don’t want this to happen to myself or anyone ever again. When I look in the mirror, I can’t see myself because I am totally blind. I get involved anyway.

    When you look in your mirror, what do you see?

    Deborah E. Joyce

    Don’t forget to wear your mask, and wash your hands.

  • You never know who you will meet…

     

     

     

    I was sick for an entire week with a really bad cold, not Covid, thank goodness. All I did was go round trip for a business meeting. That’s not the funny part, which is to say that I spent the 1st leg of the trip sitting next to an IT professional from the airline, the 2nd next to an architectural executive whose company was hacked, and the 3rd leg next to a working criminologist who is transferring over to digital forensics. Even they can’t convince their relatives and friends to be more vigilant.

    You can’t make this stuff up. Thankfully, there are many people behind the scenes keeping us safe, which is a great thing, because the thieves are multiplying like mosquitoes.

    Nothing is safe anymore. Case in point – they are even hacking into greeting card companies.

    https://news.sky.com/story/funkypigeon-com

    Anything with a legitimate name, personal information, no matter the source, is up for grabs.

    We assume this is a new phenomenon, or at least recent, because it’s been all over the news lately. But hacking has been around for decades. So, in actuality, we have actually been kept safe from these incidents. But I have to admit to being somewhat surprised at the intensity and breadth of the phenomenon, at least in the beginning of my research. Not anymore.

    I breathed a small sigh of relief knowing that there are people out there watching out for us. Hopefully, more people will enter the field – it even pays well! Many former hackers have actually landed on the “other side of the desk.” That doesn’t mean we let our guard down – far from it

    Be extra diligent. The hackers count on us to become lazy, especially between holidays, because they think we don’t take cybercrime seriously enough, and some of us do. Remember, even though there are people watching our back, it’s up to us to watch our front line. The best defense is a good offense.

     

    Batten down the hatches, and be safe!

    Deborah E. Joyce

    Author of “Identity Theft: A Victim’s Search For Justice”

    follow my blog@deborahejoyce.com

     

     

  • Some Things Never Change

     Should have been posted 12/31/21 – 1/1/22 (Oops!)

     

    I’ve always been the kind of person  that likes to clean things up before the new year. Case in point – a bill from a Dr. appointment I had in January, believe it or not. Now, I’m blind, so I listen to my mail on a reading machine.

    The reading machine said something about overdue, collections, garbled, garbled. I managed to figure out the telephone number for the billing department and tried to call them. For 3 days. Answer machine here leave message there, would I like to mark this message as urgent?

    I called, I threatened, I begged. Finally, I asked for help from a local social work agency. This woman has been working with me on and off and she’s a gem. She took the information and she called.

    No answer. She finally emailed them with an encrypted email. Whammo! I received a call from the billing department – what a surprise… He looked up my accountant said that I owed $37.50, would I like to pay now?”
    If you look at the bill, you’ll notice that my secondary insurance carrier was not billed”.

    He had me hold on and he looked and noticed that although they had my secondary insurance card information on file, they neglected to bill the secondary carrier. He didn’t know why. I asked him what he wanted me to do about this bill. He said to ignore it and that he would take it out of collections, wait for them to bill the secondary insurance and then resend the ending bill.

    Well, this doesn’t help my blood pressure… It reminded me of another time when the secondary insurance carrier wasn’t billed and they actually did send me to collections. I caught it early enough so that their lawyer didn’t charge me for services.

    Another incident had me trying to explain to the hospital that I was only there that day for lab work. Why was I being billed for a hospital telephone? They sent me to the fraud unit. The fraud unit realized that I was not admitted to the hospital, and removed the charge. They said they were very sorry, someone tried to scan me by making me pay for their telephone bill when they were in the hospital.

    All of this goes to show you why you need to look at your bills. Your accounts. Not only your savings and checking account – any bill you receive. Especially these days!

    Unless you choose to be magnanimous and pay for someone else’s Christmas presents… I don’t think things will change much in 2022.

    As always, be diligent, safe, socially distant. Wash those hands, and please wear a mask!

    Happy 2022,

    Deborah E Joyce

    Author of “Identity Theft A  Victims Search For Justice”

    Available on Audible, Bard, and Amazon

  • Preparedness

     

  • Lets Unite

     

    I’ve  been  blogging  about  identity  theft  for  a  few  years now, but I feel that  sometimes people  still don’t understand  what  identity  is, and, if  stolen, how  it  affects  you. It’s always  someone  else. Someone else’s identity will be stolen. It  won’t  happen  to  me. I’m too smart. No  one  will get into my personal information, bank account, stocks. No one will be able to open an account in my name. that stuff happens on TV, it’s not reality.

    We are looking  into  the face  of a  horror show. Ukraine is under attack. No one thought it would happen. It’s not real because it’s on TV. The news doesn’t report things accurately. They are blowing things up out of proportion. It’s not real.

    Tell that to someone  who’s identity has been stolen. Tell it to their bank, mortgage  company, bill collector. Try  sleeping  at  night , wondering if the thief who has your  identity will take out a mortgage in your name in another state or country. Next week, month, or  5 years from no

    When  your information is sold on the dark web, you’ll never find  the thief. You can’t change your name, credit  report, SS#, birth date. They  can do a  lot of damage  with that information for  the rest of your life, because that information will never change.

    Treat identity theft like  a game happening  to someone else. Tell it to people in another country, who only want to live their life as they think they should, not life that  a dictator says you should. That is the hold a thief has on the victim. They dictate your soul, because it’s for life. Tell me how cyber crime isn’t real, that it doesn’t affect you.

    It’s affecting  the world, right now. Tell it to relatives and friends of Ukranians, being  blown apart in their homes. Tell it to the people of Ukraine.

    Look in the mirror, and tell me it doesn’t affect all of us. Oil, food, and shipping. Breaking into our electric grid and infrastructure. Wondering if our loved ones will be called into this mess to fight overseas with NATO  allies.

    Tell me it doesn’t  matter.

     

    DEJ

  • Latest Malware Scam

     

    I listen to daily tech headlines every morning on my device. This is the latest scam, the scary part is that it says it’s undetected by antivirus software.

    SysJoker is a remote access Trojan or RAT (Remote Access Tool) which started hitting systems in the 2nd half of 2021. SysJoker is unusual for several reasons.

    It’s code is written from scratch, with versions for Windows Linux and Mac, and Linux and Mac versions will be fully undetected on the antivirus malware search engine. It also uses 4 separate commanding control troll servers, indicating an advanced threat with significant resources.

    Now, it may seem that I’m getting off track, since I normally talk about identity theft. However, I want you to know what’s going on out there, to underline the importance of doing your virus scans, cleaning out your files, defragmenting, security sweeps. Keep your information under lock and key – don’t open emails from people you don’t know, and please, please be careful on social media, Facebook, Clubhouse…

    As always, wash those hands, wear your mask. De-clutter your computer to make it easier to keep track of everything.

    Stay safe,

    Deborah E. Joyce

    Author of “Identity Theft: A Victims Search For Justice”

    https://www.amazon.com/Identity-Theft-Victims-Search-Justice/dp/B08B388D4D