Security Information Center
Corporate Account Takeover Information
ATM & DEBIT CARD SAFETY
Technology Topic of the Month
"Change My Address"
How the Scam Works:
Whether you are going to school, getting married or taking a job in
another city, almost all of us have had to deal with making a move,
and let's face it- it's stressful!
Besides packing all your belongings, loading the moving truck and
then unpacking everything at your new residence, you must also change
over your utilities, contact your magazines to have your subscriptions
forwarded, enroll your kids (or yourself) in a new school and, of
course, submit a change of address in order for your other mail to be
forwarded to the new address. This process has been simplified for us
today, as a simple change of address can be accomplished online in
minutes. However, you must be cautions- you could be the next victim
of the "Change my address" scam.
When you Google "change of address", there are many sites that pop
up, claiming to be able to do the job for you- for a "small fee" of
anywhere between $17 and $24. While this may seem a small price to pay
to avoid standing in line at the post office branch near you, it's
actually a pretty big rip-off. Lately, this scam has been making its
rounds all over North America.
In the United States, some of them even charge only $1 upfront,
deceiving users to think the company is a US Postal Service. However,
a few days later they charge the consumer's credit card for higher
amounts, without reason.
How to avoid:
When doing an online address change, be sure you are logging on to
the actual US Postal Service website. Any other website- and any other
dollar amount over one dollar- are a good indicator that you are not
on the official postal service website. It is always a good idea to
verify any secure site by making sure the website begins with https:
as the "s" indicates a secure site.
"Computer is Locked"
How the Scam Works:
Most of us use our computers every day, whether for work, to
socialize or to get our daily dose of news from around the world. Yet
with increased computer use there is the increased risk of being
scammed by computer hackers. The most recent outbreak, so far only
reported in Canada, US, and Great Britain but likely to spread, is one
of the more malicious internet scams to come along in some time.
The Ransomware scam usually begins when you try to download
something or access a new file. Instead of your download beginning, a
box will pop up on your screen advising you that your computer has
been locked and can only be unlocked if you pay $100-300 through an
online payment program. Clicking on the download button activates a
virus that locks your computer.
The message features a warning that the victims' PC contains banned
material and requires payment of a fine before the PC can be unlocked.
The Trojan displays a warning from the FBI or the Metropolitan
Police, or any of a number of other law enforcement agencies, in a box
that takes up the entire screen. The warning indicates that the
victim's PC contains illegal content and they will be unable to access
their PC until the fine is paid. The scammers are asking for payment
of $300 through the financial transfer services Green Dot, MoneyPak,
Paysafecard or the Ukash.
Many victims will panic and send the money, yet their computer
remains locked. To make matters worse, the scammers are representing
themselves to be part of the police or government, making most victims
react even more quickly and sending the money to the bogus
How to avoid:
It needs to be said that no government or police agency would lock
someone's computer in order to be paid. If you accidentally download
this malware, do not send money; your computer will not be fixed.
Contact a computer technical to remove the malware from your computer,
this is the only way you will be able to fix your computer.
Alternatively, run your computer in safe mode ( you can do this by
hitting the F8 key right after start up, you can hit it as many times
as needed until the screen pops up). un the computer in safe mode with
networking (very important)-- this will allow you to run the internet.
Go and download a program called Rogue killer and run it! Then reboot,
and it should have killed the virus. Locate the outdated program in
your computer and either update or delete it immediately.
However, you should have an antivirus software installed on your
Top 3 best anti-virus/malware removal software:
1. Malwarebytes products have a proven record of protecting
computers by completely removing all forms of malware, including
trojans, spyware, adware and rootkits. When it comes to the safety of
your computer, Malwarebytes provides the ultimate in protection from
the cutting edge of technology.
2. Avira is installed in every country in the world except
Antarctica. In average, there are 192 installations of Avira products
per minute. They have over 100 million customers worldwide and over
Founded in 1992, ESET is a global provider of security
solutions for businesses and consumers. ESET NOD32 Antivirus holds the
world record for the number of Virus Bulletin "VB100" Awards, and has
never missed a single "In-the Wild" worm or virus since the inception
of testing in 1998
Credit Card Insurance
How the scam works:
With slightly more than 75% of North Americans possessing at least
one credit card, and 51% owning three or more, using credit cards for
virtually everything has become the norm.
Most credit card users are concerned about identity theft and will
do what they can to avoid becoming a victim. Ironically, this lates
credit card scam preys upon that fear in order to scam innocent
People are reporting receiving telephone calls from companies
offering "credit card insurance' for a one time fee of $200 (or more).
The scammer then requests personal identifying information such as
social security number and banking information from the victim,
enabling them to scam the victim out of the "processing fee" and m
cost likely, their identity.
How to avoid:
It cannon be stressed enough: never, ever give your banking
information or social security number to anyone over the telephone.
There will never be a time that a legitimate company will need this
information. Also, as most credit card companies offer insurance
programs for their cardholders, purchasing additional insurance from
another "company" is frivolous and often leads to identity theft.
Alternatively, if your credit has been affected already, you can
always use reputable companies to improve it.