Card Skimming Theft and
How to Protect Yourself
Debit and credit card skimming is on the rise because it is easy for scammers. It is difficult to detect because the criminals place a skimming device over existing card slots at banks or gas stations. Once, you slide your card, the device captures your account information. Some also have a tiny camera to see your PIN as you enter it. Once they obtain your card information, it only costs scammers a small amount to order a card online that is linked to your account.
U.S. Secret Service estimates that identity theft scammers steal billions of dollars each year through skimming. They can be found anywhere. At ATM’s, gas pumps, even inside stores. Here are some suggestions from experts:
- If an ATM machine doesn’t look right to you, you can literally tug on the card slot to see if it’s loose. Crooks often install their skimming devices right over the real one, and many consumers have had them come off right in their hands.
- Cover your hand while entering your PIN number, so that if criminals have installed a surveillance camera, they will not be able to see your secret code.
- Experts suggest, “re-pinning”; which is changing your PIN; your credit and debit cards every six months.
- When it’s time for a new credit or debit card, you can ask for a fresh card number. This will stop the cycle of theft if your old card has already been compromised.
- Thieves often install skimmers inside gas pump credit card slots. To thwart them, pay inside or pay cash.
- Finally, consider using a credit card rather than a debit card, so that if crooks DO access your account, they are stealing the bank’s money not your own money. That way your own funds won’t be compromised while the bank investigates.
Sources: CyberGuy and ABC News
“Can you hear me?”
DO NOT respond instead hang up the phone. This is a new scam circling the country, one that only requires you to say “YES.”
The FCC has warned that if you receive a call with this question, disconnect the call immediately. Your response is recorded and later used as a voice signature to make charges to your credit card or bank accounts via the telephone.
According to the complaints the FCC has received, the callers may impersonate familiar companies or organizations to get you to answer and talk. If you have already received a call like this, make sure you check your financial accounts and bills to look for unauthorized charges. In addition, you can report the call to the Better Business Bureau Scam Tracker and the FCC Consumer Help Center.
Every month, 2.4 billion people are harassed by robocalls. The FCC voted last month to begin a rulemaking process to eliminate robocalls. Until then, use the steps below to protect yourself.
FCC Robocall Tips
- Do not answer calls from unknown numbers. Let them go to voicemail
- Hang up if a caller asks you to hit a button to stop receiving calls. It’s often a recording. Scammers often use that tactic to identify and target live respondents.
- If you do answer a call that winds up being a scam, write the number down and add that to your FCC complaint.
- Ask your telephone company if it has a robocall blocking service. If not, encourage your provider to offer one. You can also visit the FCC’s website at https://www.fcc.gov/, for information and resources on available robocall blocking tools to help reduce unwanted calls.
- Register all of your telephone numbers in the National Do Not Call Registry at 1-888-382-1222 or at https://www.donotcall.gov/
Sources: USA Today and ABC News
Public comment re: SeniorTrust funds
The Davidson County Chancery Court is seeking public comments and suggestions on nonprofit organizations in Tennessee which serve the elderly. Ultimately, these comments will be used to start a funding process for the statewide distribution of charitable funds to nonprofits & programs in TN serving elderly (from legal settlement State of TN vs. SeniorTrust and ElderTrust).
Please consider writing to support COA as unbiased, trusted source for identifying needs and being a catalyst for collaborative solutions for older adults and caregivers.
Comments should be submitted:
More information is available here.
The deadline to give input is June 17, 2016.
Getting Older and Getting Around: Transportation Options for Senior Citizens
A recent study validates the direction of the Senior Transportation Leadership Coalition: older adults prefer volunteer based driver programs. Please take a moment to read!
Center for Excellence in Aging and Older Adult Ministries is hosting a seminar where church leaders will learn about the different types of Elder Abuse and the warning signs. Participants will also learn about mandatory reporting, caregiving concerns and steps they and their congregation can take to become proactive in ministry helping to prevent Elder Abuse.
Rev. Dr. Richard H. Gentzler, Jr.
Director ENCORE Ministries
Tuesday, April 12, 2016
8:45 a.m. – 2:00 p.m.
Deadline for registration is April 5, 2016
To register, please call or email Joel Emerson at McKendree Village
All seminars meet at the Towers at
4343 Lebanon Pike
Hermitage, TN 37067
These seminars are funded by McKendree Village and the Golden Cross Foundation.