Seniors Protecting Themselves from Scammers

DA Rice Launches Educational Campaign to Help Senior Citizens Learn How to Protect Themselves From Scams


Reports of scams targeting seniors have doubled since last year

MINEOLA, NY – Nassau County District Attorney Kathleen Rice today said complaints to her office regarding senior citizens being scammed have doubled since last year. To combat the uptick in scams, the DA is launching an educational campaign to help senior citizens protect themselves from those who prey on this vulnerable population. Her efforts will include an educational poster campaign that highlights the “red flags” to look and listen for when a scammer is attempting to fleece a senior citizen out of their money, and an addition to the DA’s website that will give seniors tips on how to avoid being taken advantage of.

The District Attorney said that between January 2009 and November 30, 2009, the office received 20 complaints from senior citizens regarding scams. Between January 2010 and November 23, 2010, that number has reached 40.

“This increase is a reflection of Nassau County’s increasing senior population and a deteriorating economy,” said Rice.

The scams include “Sweepstakes” scams, which can come in the form of a phone call or letter, as well as many others. With the phone call scam, the caller identifies themselves as being from a nationally known sweepstakes company and tells the victim that they have just won a large sum of money. The catch comes when they instruct the victim to wire money to pay taxes on the winnings, before the “prize” is sent.

Often the victim is sent a letter containing a realistic-looking check announcing that they have won a contest. The victim is told to deposit the check and then wire a portion of the money back to the company. The victim doesn’t realize the check they have deposited is a fraud until it’s too late.

Rice said that many of the scams and fake checks may seem legitimate.

“Even the sharpest person can be fooled,” Rice said. “The quality of some counterfeit checks can be very convincing so we are trying to stay one step ahead of the criminals by educating our senior population about what to look for and what to avoid.”

The DA said her office is also receiving complaints about a new type of scam in which the victim receives a phone call from someone claiming to be a friend of a grandchild and then tells them to wire bail money to Canada because the grandchild has been arrested. The scammers count on the caring grandparents to send the money, with few questions asked.

The educational posters will be placed in locations where a person might go to wire money, such as supermarkets, check cashing stores and senior centers. The posters will be paid for by using money forfeited to the DA’s office by convicted criminals.

Some of the top senior scams perpetrated by criminals include:

PHONE CALL ASKING FOR BAIL: The request comes from a caller requesting a large sum of money in order to bail a grandchild or loved one out of jail. One victim of this scam said the caller concocted a whole story that her “grandson was with a friend driving in Buffalo, New York and crossed the Canadian border and was arrested for drug possession.” He instructed her to wire money to Canada to post bail.

EMAIL ASKING FOR BAIL: The request comes from a friend or loved one’s email address to wire money. Residents of Nassau County receive emails from the account of a friend or loved one claiming to be in another country and requesting a large sum of money for a plane ticket, bail money, or other emergency expenses. In reality, a scammer has obtained control of the sender’s email account and contact list/address book, and the victim sends the money directly to the scammer.

SWEEPSTAKES SCAM: The victim receives a letter stating that they’ve won a contest, often from a scammer using a variation of a legitimate organization’s name. Enclosed is a check, usually less than $5,000, drawn on an out-of-state bank account. The victim is instructed to call a phone number where they are instructed to deposit the check, saying the money is to pay the taxes on their prize, and wire the money back to the organization. The victim sends the money to the scammer, and then the bank dishonors the original check. The phone number scammers typically use in this scam has an Ontario, Canada area code.

SECRET SHOPPER SCAM: Victims responding to an ad for secret shopper employment receive a check in the mail for approximately $3,985 and are instructed to deposit the check into their bank account. The victims are told to conduct a survey of retail stores, for which they will “earn” $600 for their work. The last requirement is to send the balance of the initial check, approximately $3,000, to Canada or out-of-state via Money Gram or Western Union. The money is sent before the victim can be informed by their bank that the initial check was counterfeit. The thief is counting on the victim’s bank to make the money available before the check is discovered to be fraudulent.

BLOATED CHECK SCAM: The victim, typically someone selling personal property on a Web site such as Craigslist, is contacted by a “buyer.” The buyer sends the victim money orders for more than the purchase price, and then asks the victim to wire back the balance of the bloated check. Victims often find out too late that the initial payment is counterfeit, and they’ve just wired their own money to a scammer.

PHISHING SCAM: An email or phone call is received by the victim who is led to believe it came from their bank. The call or email asks for the victim to verify personal information such as Social Security number and account numbers. A legitimate bank will NEVER ask for this information.

JURY DUTY SCAM: Victims are contacted by phone by a caller claiming to be an officer of the court. The “officer” says the victim failed to show up for jury duty and a warrant has been issued for their arrest. Once the victim says that they never received a jury duty notice, the caller will ask for personal information to verify. The jury duty scam is on the rise.

RED FLAGS
Anyone you’ve never met or spoke to on the phone that is asking for money through the Internet or to be wired to them is scamming you.

Always thoroughly research anyone you meet on a social-networking or Internet dating website.

Be very suspicious if you are asked to send anything through a third party.

Be very suspicious if an email has misspellings, broken English, or any grammatical anomalies.

An Ontario, Canada area code.

Rice adds that in order to prevent being the victim of identity theft it is a good idea for consumers to request and view their credit reports from Experian, Equifax and Trans Union. Anyone can obtain a FREE credit report from each of the three bureaus once a year (www.annualcreditreport.com). The credit report will indicate if there are fraudulent credit inquiries and/ or fraudulent credit accounts.

“The best advice is still the oldest advice,” Rice said. “If it seems too good to be true, then it probably is. If you receive a check for thousands of dollars for no reason, be suspicious and call my office immediately. Seniors need to be vigilant and wary in order to protect their assets and education is the best way to accomplish that.”

The DA’s office also has an ongoing program that is presented to senior groups throughout the year that educates the audience on common scams. To schedule one of these presentations for your group, call 516-571-3505.