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The Better Business Bureau identified twelve holiday season scams consumers should avoid, including misleading social media ads, social media gift exchanges (pyramid schemes), fraudulent holiday apps, phishing emails offering free gift cards, fake job postings, and impostor scams. The BBB advises exercising caution with unsolicited messages and payment requests via wire transfer, third parties, or prepaid cards, and recommends verifying business legitimacy through BBB.org before making purchases or sharing personal information.

Phone scams exploiting voice calls remain highly effective because scammers leverage human psychology and social engineering techniques, with callers having less time to verify legitimacy compared to written communication. In 2023, approximately 28% of unknown calls globally were fraud or spam, affecting 16% of consumers who lost an average of $2,257—a 527% increase from the previous year—while scammers obtain phone numbers through data breaches, social media scraping, and data brokers. Common phone scams include impersonation of authorities (vishing), remote access/tech support fraud, investment schemes, and prize draw scams, with consumers advised to heed "scam likely" warnings from their

Google has identified "cloaking" and AI-enhanced scams as the most damaging threats to users. Cloaking uses tools to show different content to search engines versus real users, often redirecting victims to fake customer support sites mimicking legitimate businesses to steal sensitive information. Scammers are also leveraging AI to rapidly exploit major events (elections, disasters, sports) and create fake charity appeals designed to overwhelm users into clicking malicious links.

Google's Trust & Safety teams identified five prevalent online scam trends: AI-powered deepfake impersonations of public figures promoting fake investments, cryptocurrency investment scams promising unrealistic returns, cloned apps and landing pages mimicking legitimate brands to steal personal information, cloaking techniques that hide malicious content from detection systems, and exploitation of major events like natural disasters and elections to launch timely frauds. The company advises users to scrutinize unnatural facial expressions in videos, verify investment claims, check for misspellings and unusual formatting on websites, confirm URLs match official sites, and use only established platforms for donations and purchases.

**Holiday Scam Prevention Guide**: The Better Business Bureau warns consumers to watch for three trending seasonal scams—imposter websites with misspelled URLs lacking HTTPS encryption, fake shipping notifications with malicious links sent via email or text, and fraudulent charities soliciting donations around Giving Tuesday. Protection strategies include verifying website URLs carefully, avoiding unsolicited links and instead using original confirmation emails to track packages, and researching charities through legitimate databases like the BBB Wise Giving Alliance and Charity Navigator before donating.

Veterans are frequently targeted by scammers using schemes such as VA loan refinancing scams, pension poaching, romance scams, and fake veteran charity frauds. The article provides protective measures including: never sharing personal information or sending money to unknown parties, resisting pressure to act quickly, consulting trusted contacts before responding to offers, verifying charities through organizations like the Better Business Bureau, and obtaining benefit information directly from state veterans' affairs agencies.

Pennsylvania experienced over 3,000 scam victims in the past year with losses exceeding $118 million, according to FBI data. Fraudsters employed various tactics including fake charities exploiting weather disasters, AI-generated voice cloning to impersonate trusted individuals, and impostor schemes where criminals pose as bank employees to trick victims into moving their money. Older Americans reported losses exceeding $1.9 billion to fraud, though actual losses may reach $62 billion when accounting for unreported cases, and the Federal Trade Commission has implemented new impersonation rules to combat these crimes.

During the 2024 holiday season, scammers exploit increased shopping and financial transactions through six primary threats: phishing/smishing attacks impersonating banks and retailers, fake e-commerce sites and social media ads offering unrealistic deals, and charity scams mimicking legitimate nonprofits. Consumers are advised to verify sender authenticity, avoid clicking unsolicited links, research retailers thoroughly, and donate only through verified charity websites, while bank employees should monitor accounts for unusual activity and educate customers about legitimate communication practices.

The Better Business Bureau warned of seven major holiday scams targeting consumers during the shopping season, including misleading social media ads, illegal gift exchange schemes (pyramid schemes), fraudulent holiday apps, phishing texts claiming account compromises, free gift card scams, employment fraud targeting seasonal job seekers, and fake look-alike websites. Consumers are advised to research businesses before purchasing, check privacy policies, avoid clicking links in unsolicited messages, and contact companies directly rather than through links in suspicious emails or texts.

This article covers multiple current fraud and cybersecurity threats: Wyoming residents report receiving suspicious DocuSign phishing emails and fraudulent holiday sale emails (claiming 50% off heaters endorsed by Elon Musk) with spelling errors and fake purchase links. The FBI warns that hackers are bypassing two-factor authentication by exploiting website cookies after users click fraudulent links, while a new "Quishing" scam embeds malicious code in QR codes to direct victims to harmful sites. Post-election scams are also surging, including deepfake videos from foreign sources and phishing attempts disguised as election updates or donation requests, with experts advising users to verify sources

The Better Business Bureau warns that scammers target veterans around Veterans Day through phishing, vishing, social media scams, and "gaming fraud" schemes including credit card fraud and account hacking. To protect themselves, veterans should verify charity names carefully, avoid organizations that pressure them for donations, and use free monitoring services like Give.Org before donating.

The Elmira Heights Police Department is hosting a free scam prevention educational class on November 11 at Village Hall, presented by the Upstate Elder Abuse Center at Lifespan of Greater Rochester. The presentation will teach seniors how to recognize and avoid common scams targeting older adults, including impersonation, romance, tech support, virtual kidnapping, military, charity, and check scams.

Indiana's older population lost nearly $38 million to fraud in the past year, with imposter scams being the most frequently reported type, including schemes using AI-generated voice cloning and fake charity requests following disasters. The FBI ranks Indiana 25th among the most scammed states, and experts recommend that residents verify suspicious requests through trusted contacts before taking action and report suspected fraud to the FTC.

The United States observes National Slam the Scam Day on March 7th annually, an awareness campaign established by the Federal Trade Commission in 2020 to educate the public about fraud prevention. Common scams include phishing emails, fake charities, tech support schemes, romance scams, and grandparent scams targeting the elderly—such as the case of 78-year-old Martha, who lost $5,000 after receiving a fraudulent call claiming to be from her grandson. The FTC recommends protecting oneself by verifying information, never sharing personal details unsolicited, monitoring credit reports, and reporting suspicious activity to authorities.

Cybercriminals increasingly use phishing emails, text messages, and spoofed delivery notifications to steal personal and financial information from victims of all ages during the holiday season and year-round. The Federal Trade Commission advises avoiding urgency-driven scams by verifying sender identities, researching suspicious messages, not clicking unexpected links, never paying for prizes, and hanging up on callers requesting sensitive information like Social Security numbers or banking details. Taking time to verify legitimacy rather than acting on panic is the most effective protection against financial fraud.

As the 2024 election approaches, the CEO of Zelle warned elderly Americans to remain on "heightened alert" against scams, noting that older political donors are being targeted with fraudulent solicitations and fake political action committee donations. According to recent reports, approximately 50 elderly political donors were scammed out of $6 million, and AARP data shows retirees lose an average of $120,000 per scam victim, costing financial institutions $1 billion annually. Payment processors like Zelle, PayPal, and Cash App have implemented friction-adding features to prompt users to verify unusual transactions, though experts recommend using these apps only for known contacts.

**Election-Related Scams Targeting Elderly Donors:** Elderly Americans are being targeted in political donation scams using payment apps like Zelle, with one survey finding 50 elderly donors scammed out of $6 million during the 2024 election cycle. The AARP reports that retirees who are victims of scams lose an average of $120,000, and payment processors including Zelle, PayPal, and Cash App are implementing additional safeguards and education campaigns to alert users—particularly those over 50—about fraudulent solicitations from fake political action committees.

During election season, scammers exploit heightened political emotions through donation fraud via emails, phone calls, and social media. A west Kentucky resident reported receiving 10-20 fraudulent political donation emails daily from imposters posing as campaigns, though she avoided falling victim. The Better Business Bureau warns voters to avoid unsolicited links, pushy requests for personal information, phony donation calls offering rewards, and pop-up donations on social media—and advises researching campaigns, avoiding rushing donations, and never sharing sensitive data like Social Security numbers or birth dates with survey takers.

As the 2024 presidential election approached, scammers targeted voters through three main schemes: fake voter registration, fraudulent surveys and polls, and fake political donation requests, typically contacting victims by phone or email while impersonating legitimate political or government entities. Red flags include requests for personal financial information, pressure to act quickly, lack of official contact information, and unsolicited demands for Social Security numbers. Voters should verify registration through official state sources and report suspicious communications to the FTC.

India's CERT-In cyber-security agency issued a public advisory detailing over a dozen online scams targeting citizens, with particular focus on the "digital arrest" scam where fraudsters impersonate government officials via WhatsApp or Skype, threatening victims with arrest to coerce them into transferring money under false pretenses of investigations or security deposits. Prime Minister Narendra Modi simultaneously warned the public about these scams in his radio address, recommending citizens verify agency identity directly, avoid panic-driven money transfers, and report incidents to the national cyber-security helpline (1930) or www.cybercrime.gov.in. The advisory also highlighted other prevalent scams including phishing,

Credit card fraud affects approximately 60% of US credit card holders, with 52 million Americans experiencing fraudulent charges totaling over $5 billion last year, particularly during high-spending periods like Black Friday. Common scams include gift card fraud (where criminals pose as officials demanding payment via gift cards), fake charity websites, cloned shopping sites with nearly identical URLs, phone scams requesting card information, and credit card skimmers on unattended payment terminals. To protect themselves, consumers should monitor credit reports weekly through annualcreditreport.com, only shop on secure encrypted sites (https://), verify charity legitimacy through the IRS Tax-Exempt Organization Search tool, and be suspicious of unsolic

Elder fraud complaints rose 14 percent nationally in 2023, resulting in $3.4 billion in losses, with Rhode Islanders over 60 losing $7.4 million to scams. U.S. Sen. Jack Reed, AARP Rhode Island, and the Rhode Island State Police held an Elder Fraud Prevention Summit to educate older adults on detecting and reporting fraud, emphasizing that tech support, romance, and investment scams are among the most common schemes targeting seniors. Experts stressed that victims should report incidents immediately and stay informed about evolving scams, noting that sophisticated criminals use artificial intelligence and psychological manipulation rather than targeting inherent vulnerabilities in older adults.

The IRS announced tax relief for Florida residents affected by Hurricanes Milton and Helene, extending filing deadlines to May 1, 2025, for most individual and business returns, with automatic penalty relief for those with addresses in disaster areas. The IRS also warned taxpayers to be vigilant against charity scams that often follow disasters, recommending they verify charities through the Tax Exempt Organization Search tool and avoid donating via gift cards, wire transfers, or to solicitors requesting personal financial information.

This educational piece warns that AI-powered misinformation poses significant cybersecurity risks during elections, with bad actors using generative AI to rapidly create fake news, deepfakes, phishing emails, and coordinated social media campaigns. A Trend Micro study found a critical gap in consumer awareness: while 79% of U.S. respondents felt confident identifying online scams, 62% actually failed to recognize a specific scam example, suggesting people underestimate the sophistication of AI-generated election-related misinformation. The article advises readers to recognize that election-related scams and misinformation have become increasingly difficult to spot without proper awareness and skepticism of suspicious content.

Hundreds of elderly Americans, including those with dementia, have been victimized by deceptive political fundraising tactics from both Republican and Democratic campaigns, with vulnerable donors unknowingly giving away millions of dollars through relentless text messages and emails that automatically enrolled them in recurring donations. A CNN investigation identified over 1,000 government complaints and found that elderly donors lost more than $6 million in a small sample alone, with some individuals giving away six-figure sums from their life savings, predominantly to Republican candidates and former President Donald Trump. The predatory practices exploit cognitive decline by making false urgent pleas for money appear to come directly from major candidates, draining bank accounts without donors' knowledge or consent

Citizens Advice research found that approximately 9 million people in the UK (18% of the population) fell victim to financial scams in the past year, with over three-quarters of victims exposed through social media. The most common scams included fake debt advice (3 million affected), friend-in-need scams (2.5 million), pension scams (2.5 million), investment scams (2.5 million), and parking QR code fraud (2.5 million), with one cryptocurrency trading scam victim losing his savings, home, and health after being pressured into a fake trading platform.

During election season, scammers are exploiting heightened emotions to target donors through unsolicited political donation emails, calls, and social media pop-ups that request money and personal information. Local residents have reported receiving 10-20 fraudulent political emails daily from impostors posing as campaigns, with the Better Business Bureau identifying pushy donation requests, unsolicited links, and reward offers as common red flags. Experts advise researching campaigns before donating, avoiding clicking unsolicited links, and verifying requests directly with official campaign channels rather than responding to incoming communications.

Hundreds of pensioners lost their life savings to pension scammers in recent years, with 559 reported cases in the last year resulting in £17.75 million in losses and an average loss of £46,959 per victim. Pension scams take various forms—including fake pension reviews, unauthorized early withdrawals, and fraudulent transfer schemes—and have proliferated through social media and online advertising, exacerbated by economic uncertainty and the cost-of-living crisis. Experts argue the UK's pension fraud reporting system is inadequate and call for greater preventative measures and bank protections for vulnerable older customers.

Over half of Americans have been targeted by election-related scams, with younger voters particularly vulnerable to fake polls, political donation scams, and disinformation. Common tactics include fraudulent donation schemes where money doesn't reach intended campaigns or involves unauthorized recurring charges, survey scams that harvest personal information for phishing attacks, impersonation scams, and robocalls spreading misinformation. Voters should verify sources before donating, research organizations thoroughly, avoid clicking suspicious links, and report suspected scams to authorities.

Extortion, particularly sextortion scams, ranked among the top five internet crimes in the FBI's 2023 report with over 48,000 cases, according to a Better Business Bureau warning. Sextortion scams operate through two primary methods: phishing (claiming to have hacked victims' devices and recorded compromising material) and romance schemes (building trust through fake relationships before blackmailing victims for money). Victims have reported losses ranging from hundreds to thousands of dollars, with the scams exploiting fear of public embarrassment and loneliness to pressure victims into paying via bitcoin, gift cards, or wire transfers.

An Australian couple lost $1,000 from their Centrelink payments after scammers impersonating a charity deceived them into providing sensitive information including their driver's license and myGov details. The National Anti-Scam Centre warns that criminals are increasingly targeting financially vulnerable Australians by posing as legitimate charities and government assistance programs to steal personal information and divert payments. People should independently verify organizations offering financial assistance and never share personal identifying information through social media or unsolicited contacts.

Kirat Assi, a 44-year-old London woman, was victimized by a nine-year catfishing scam perpetrated by her cousin Simran Bhogal, who created a fake online romance using the false identity of "Bobby Jandu," a cardiologist, and fabricated elaborate excuses to prevent in-person meetings. While Assi's case was unusual in involving no financial loss, charities report a 189-200 percent increase in catfishing cases overall, where perpetrators typically use emotional manipulation to extort money from victims, with some engaging in "sextortion" targeting teenagers. Assi won a civil settlement in 2

Computer scams continue to evolve with increasing sophistication, affecting even experienced and intelligent computer users. This educational piece outlines eight prevalent scam types: imposter/impersonation scams, pig butchering scams (fake investment schemes), romance scams, payment app scams, online shopping scams, delivery scams, lottery scams, charity scams, and robocalls—each employing psychological tactics like creating false urgency, building trust, or exploiting guilt to manipulate victims into surrendering money or personal information. The article advises readers to remain vigilant and informed about these tactics regardless of their computer experience level.

A Thai teenager named Poom-Jai was lured to Cambodia under false employment promises and forced to work in a "fraud factory" conducting "pig butcher" romance scams, where he manipulated lonely victims into investing money in fraudulent schemes before stealing it all. Across Southeast Asia, an estimated 300,000 scammers operating in heavily guarded compounds controlled by Chinese mafia have stolen at least £34 billion worldwide, with workers often trafficked, tortured, and imprisoned when they fail to meet targets or attempt escape. Poom-Jai eventually suffered beatings with electric batons when accused of theft and attempted a desperate escape from the compound.

**Summary:** A Los Angeles man was defrauded of $25,000 by scammers who used artificial intelligence to replicate his son's voice, then posed as attorneys claiming his son needed bail money for a hit-and-accident case. The victim made two separate wire transfers via Uber drivers before realizing the scam, after which police confirmed that AI voice cloning technology is becoming an increasingly sophisticated tool in fraud schemes. Law enforcement notes that scammers need only brief audio samples from social media or voicemails to clone someone's voice convincingly.

November and December's charitable giving season attracts scammers who impersonate legitimate charities through fake websites and social media accounts, use high-pressure sales tactics with payment deadlines, send fake donation thank-yous to encourage repeat giving, and exploit cryptocurrency donations to redirect funds to private wallets. Donors can protect themselves by verifying charity contact information through trusted resources like Charity Navigator, avoiding urgent payment demands or cash-only requests, maintaining donation records, and conducting online searches to confirm cryptocurrency wallet addresses before giving.

A widow in Scotland discovered that scammers created a fake Facebook page called "David Rodger Funeral Service Live Stream" the day after her husband's funeral in October, attempting to trick mourners into paying to watch a livestream of the service; over 100 people had joined the page before it was discovered and removed by Meta. Although no one fell victim to this particular scam, the funeral director confirmed multiple clients had experienced the same issue, indicating this is a widespread fraud targeting grieving families during vulnerable moments.

This article explains Zelle, a peer-to-peer payment service vulnerable to fraud because transfers are often irreversible. According to a congressional investigation, customers at Bank of America, Chase, and Wells Fargo disputed $166 million in Zelle fraud in 2023, but only 38% was reimbursed; from 2021-2023, the three banks rejected approximately $560 million in scam disputes. The article outlines seven common Zelle scams including account takeover, employment schemes, charity fraud, marketplace and rental scams, and impersonation scams, providing awareness and protective guidance for users.

Elderly women in Chinese communities across the UK, US, Australia, and Canada have been targeted by "blessing scam" gangs who use elaborate street theater to trick victims into surrendering cash and valuables. The scammers, typically working in groups of three, convince victims that their relatives are in mortal danger and require a spiritual blessing, persuading them to hand over jewelry and savings (one victim lost £4,000 plus family heirlooms) before swapping the valuables for worthless items like bricks and water bottles. Police in multiple countries are investigating these cases, which exploit victims' spiritual beliefs and cultural trust in traditional healers.

On September 30, Taeli Kim, owner of Sonbul Café in Brooklyn, lost over $5,000 to utility impostor scammers who claimed to represent his electric company, threatened service disconnection, and used personal information to appear legitimate. The scammers used a guest payment system to intercept funds before they reached his account, jeopardizing his ability to make payroll for his newly opened restaurant. Kim launched a GoFundMe that raised nearly the full amount within three days, supported by over 100 local donors.

Scammers are using AI deepfakes, fraudulent websites, and fake donation links to target voters ahead of Election Day, with schemes ranging from charging fees to register to vote (which is always free) to installing malware through phishing emails and texts. Voters should verify voter registration deadlines and polling locations through official Illinois election boards, cross-reference suspicious images and videos with trusted news sources, and avoid clicking links in unsolicited political fundraising messages, as AI-generated content and emails now closely mimic legitimate communications.

**Summary:** Following Hurricanes Milton and Helene, the IRS warned taxpayers about scammers operating fake charities to steal money and personal information from donors seeking to help disaster survivors. The agency advises donors to verify charities using the Tax Exempt Organization Search (TEOS) tool before giving, and to avoid payment methods like gift cards or wire transfers, never share sensitive personal information, and resist pressure to donate immediately. Only donations to IRS-qualified tax-exempt organizations are tax-deductible.

Following Hurricanes Helene and Milton in September-October 2024, the Acting U.S. Attorney for the District of Colorado issued a public alert warning of charity scams targeting disaster relief donations. Fraudsters exploit disasters by creating fake charities and deceptive websites through email, social media, and unsolicited communications to steal money and personal information from well-intentioned donors. The alert advises the public to donate directly to verified established charities, avoid clicking unsolicited links, use credit cards or checks instead of cash, and report suspected fraud to the National Center for Disaster Fraud hotline at (866) 720-5721.

**Disaster Relief Fraud Alert:** As Hurricanes Milton and Helene impacted the Southeast, the National Center for Disaster Fraud warned of scammers impersonating legitimate charities through fraudulent emails, social media, texts, websites, and door-to-door solicitations targeting both disaster victims and well-intentioned donors. This pattern repeats after major hurricanes, exploiting public generosity and lack of source verification to steal money and personal information.

Following Hurricane Milton's devastation across Florida, scammers are targeting vulnerable survivors through multiple fraud schemes including fake FEMA officials requesting personal information, unlicensed contractors demanding upfront payment, and fraudulent charities and crowdfunding campaigns. Authorities warn victims to verify legitimacy directly with agencies like FEMA (1-800-621-3362), research charities before donating, and avoid contractors who pressure immediate payment or provide evasive answers. The Better Business Bureau and FEMA emphasize that official disaster assistance contacts victims proactively, never solicits sensitive financial data unsolicited, and offers multiple forms of aid beyond the initial $750 emergency assistance.

During the 2024 election cycle, scammers are impersonating political campaigns through fraudulent fundraising text messages, exploiting voters' desire to support candidates. Red flags for donation scams include pushy language, missing "Paid for By" disclaimers, unregistered committees, and unsecured website URLs (http instead of https). Voters can verify legitimacy by checking committee registration with the Federal Election Commission and ensuring donation pages display proper disclosures and security features.

This educational piece warns seniors and voters about election-themed scams targeting people during the 2024 election cycle, including fake candidate merchandise requiring upfront shipping fees, fraudulent political surveys designed to harvest personal information for future exploitation, and bogus donation websites impersonating legitimate political action committees. The article advises protecting oneself by verifying websites through the Federal Election Commission, using credit cards for donations, avoiding unsolicited communications, and remembering that legitimate pollsters never request sensitive information like Social Security numbers or birth dates.

In 2023, Florida experienced 151,152 fraud reports resulting in $654.5 million in losses, with imposter scams, online shopping fraud, and prize/sweepstakes scams being the most prevalent. Common examples include IRS and grandparent imposter schemes, fake retail websites, and fraudulent lottery notifications, with victims encouraged to report incidents to local law enforcement, the Florida Attorney General, or national resources like the FBI and FTC.

Following Hurricane Milton, the Better Business Bureau warns that charity scams are increasingly prevalent, with fraudsters operating fake charities or impersonating legitimate organizations through slightly altered websites and contacting victims via phone, email, text, and social media. Red flags include pressure to donate immediately, requests for untraceable payment methods like wire transfers or Cash App, and unverified crowdfunding campaigns. Donors should verify charities through the BBB's Wise Giving Alliance, use credit cards for donations, and report suspected fraud to the IRS and Federal Trade Commission.

Over 100,000 elderly Americans fell victim to fraud last year, losing more than $3.4 billion, with Rhode Island seniors alone losing approximately $7.4 million. U.S. Senator Jack Reed and partners hosted an awareness event highlighting common elder scams—including tech support, grandparent, government impersonation, sweepstakes, home repair, romance, and family scams—and recommended strategies to avoid them: never volunteer personal information, be skeptical of urgent claims, avoid payments via gift cards or cryptocurrency, and don't hesitate to hang up on suspicious callers. Victims should report scams to local police or the FTC, and seniors can access