Social Security Scams

In a recent posting to one of our favorite ID security blogs—ONGuardOnline.gov, the focus was on Social Security scams.  The following information is adapted from Amy Hebert’s post on behalf of the FTC and Andrew Cannarsa’s post on behalf of the US Inspector General.

To facilitate Social Security’s services, the SSA started an official Twitter account and has already accumulated more than 16,500 followers; every day, SSA tweets information about applying for Social Security benefits, and answers frequently asked questions.

With so much interest in a government Twitter handle like @SocialSecurity, imposter accounts were bound to materialize.

When @SociSecurity appeared last year with an SSA emblem as its profile photo, and began tweeting Social Security-related information, SSA alerted our Office of the Counsel to the Inspector General.

The US Office of Counsel—which is made up of the Counsel to the Inspector General, the Deputy Counsel, and a staff of attorneys—enforces Section 1140 of the Social Security Act. To summarize, the law prohibits people and organizations from using Social Security words and symbols in communications in any way that could mislead the public to believe that Social Security has an official connection with that communication. The law also prohibits people or organizations from charging a fee for an otherwise-free Social Security form or publication without authorization.

In this case, the Office of Counsel worked promptly with Twitter to suspend the @SociSecurity account, which violated Section 1140. We—and SSA—were primarily concerned that the account would spread incorrect information and confuse people into thinking they were communicating directly with SSA.

In another case, we insisted on changes to a “Social Security Disability Blog” Facebook page, which used an emblem that appeared to be official and was classified as a “Government Website.” The account no longer uses that particular emblem, and is no longer classified as a “Government Website.”

With these recent examples in mind, we want to warn you—and ask you to spread the word—to be on guard for misleading Internet Social Security-related advertisements and communications, including those on social media and mobile apps.

Section 1140 scams can include:

  • Websites misleadingly designed to appear as SSA’s official website or officially authorized by SSA (see example below). Official-sounding web addresses or domain names—like SocialSecurityHome.com,—used by themselves or along with misleading websites, can create the false impression of an SSA connection.
  • Sale of SSA publications, forms, and services otherwise provided free of charge.
  • Social Security Disability Representation. Some websites are misleadingly designed to appear as SSA’s official website or as if they are authorized by SSA, but their actual purpose is to obtain people’s personal information to generate leads for either attorney or non-attorney Social Security disability advocacy services.
  • Email Phishing Scams. We are aware of several email phishing scams that use SSA as the hook to get you to open and respond to the email. Purporting to be from SSA, these emails were designed to steal your personal email account login ID and password.

As always, be mindful of originating any communication before sharing personally identifying information.  If you ever question the legitimacy of any Social Security-related communication, you can report that directly to the OIG through our Fraud Hotline, online at http://oig.ssa.gov/report or by phone Monday through Friday 10 a.m. to 4 p.m. EST, at (800) 269-0271.

For more information on identity theft best practices, please visit www.hvshred.com

Rotary Fund-Raising Community Shred Event September 27th

The date is now fixed on the calendar for the 2nd Annual Poughkeepsie Arlington Rotary Community Shred Event hosted by LaGrange Pharmacy and Bridgeway Federal Credit at the new plaza at the junction of Routes 82 and 55 in LaGrangeville, NY. That leaves 10 weeks to gather your confidential paperwork to take advantage of this great opportunity to securely dispose of your paperwork as well as support a great cause.

On-site shredding service will be provided by HV Shred, Inc from 9am-noon. 100% of the suggested $10 per box/bag donation will go to the community improvement projects run by the Poughkeepsie Arlington Rotary.

No need to worry about staples, paperclips, spiral notebooks, or even bank books. HV Shred’s high tech shredding knives can easily shred through all that. In addition, all the shredded paper is recycled helping to preserve and protect our local and global environment.

For more information, please contact Judith a (845) 705-7279

We’re looking forward to a big crowd so we can fully fund all the Poughkeepsie Arlington Rotary programs in the upcoming year.

Help us make it a success–and protect your identity and the earth as well!

See you Saturday, September 27th 9am-2pm at 1520 Route 55 in LaGrangeville NY 12540

Be Wary of Identity Theft Scams

As it is vacation season, here are some scams to keep top of mind.  Once again, we credit OnGuardOnLine.gov as our source for valuable id theft information.

A first tip is to be wary of the late-night call from the front desk telling you there’s a problem with your credit card.  The caller will ask to verify the number.  Keep in mind, it may really be a scammer on the line. If a hotel really had an issue with your card, they would ask you to come to the front desk.  Best practice, if you get a call like this, go to the front desk to do the verification in person.

Likewise, hotel guests are finding a pizza delivery flyer slipped under their hotel door. When you call to order, they take your credit card number over the phone. Unfortunately, the flyer is a fake, and a scammer now has your info. Before you order, make sure you check out the business, or get recommendations from the front desk.

Lastly for this week’s blog, the good old “Wi-Fi” network scam is one to be mindful of.  Just because it has the hotel’s name, it may not be secure.  By using it, you could give a scammer access to your information. Check with the hotel to make sure you’re using the authorized network before you connect.

We hope everyone is getting out and enjoying a summer vacation.  Keep these tips in mind to optimize the fun and minimize the stress.

For more information on best practices for identity theft protection, please visit www.hvshred.com

Congratulations to Think Local First Advocate #1

Being an active participant in the Greater Hudson Valley community is a cornerstone of our business at HV Shred.  We want to use this week’s blog to recognize the number 1 advocate of “Think Local First”–our friend and the incoming President/CEO for the Dutchess County Regional Chamber of Commerce Frankie Castella!  He is the perfect successor for the original #1 advocate outgoing President/CEO Charlie North.

We have had the good fortune to know and do business with Frankie on many levels.  We have long counted on his family’s business Harmon & Castella Printing to help us get out the word about HV Shred with the classiest signs, stationary, and mailings.  He has also been a strong referral partner through our association in the DCRCOC and other networking groups.

It is reassuring to know Frankie will be the one to keep moving the needle in the right direction in the Hudson Valley Business Community.  We wish him well and know he will have a long and profitable term in the position.

Congratulations again to Frankie and his family!

For the “Think Local First” on-site shredding service, please visit www.hvshred.com

 

Paper Shredding Through the Ages

This week, we share the interesting back story behind paper shredding.  According to our amateur research, the first paper shredder is credited to  inventor Abbot Augustus Low of Horseshoe, located on the Western shore of Horseshoe Lake, in Piercefield, New York. His patent for a “waste paper receptacle” to offer an improved method of disposing of waste paper was filed on February 2, 1909 and received the U.S. patent number 929,960 on August 31, 1909. Apparently, Low’s invention was never manufactured, however.

Adolf Ehinger’s paper shredder, based on a hand-crank pasta maker, was manufactured in 1935 in Germany. Supposedly he needed to shred his anti-Nazi propaganda to avoid the inquiries of the authorities. Ehinger later marketed his shredders to government agencies and financial institutions converting from hand-crank to electric motor. Ehinger’s company, EBA Maschinenfabrik, manufactured the first cross-cut paper shredders in 1959 and continues to do so to this day as EBA Krug & Priester GmbH & Co. in Balingen.

The U.S. embassy in Iran used strip-cut paper shredders to reduce paper pages to strips before the embassy was taken over in 1979 (though not entirely successfully). After Colonel Oliver North told Congress that he used a Schleicher Intimus 007 S cross-cut model to shred Iran-Contra documents, sales for that company increased nearly 20 percent in 1987.

Until the mid-1980s, it was rare for paper shredders to be used by non-government entities. After the 1984 Supreme Court decision in California v. Greenwood, in which the Supreme Court of the United States held that the Fourth Amendment does not prohibit the warrantless search and seizure of garbage left for collection outside of a home, paper shredders became more popular among US citizens with privacy concerns. Anti-burning laws, concern over landfills, industrial espionage, and identity theft concerns created greater demand for paper shredding.

These days, for reputation management and to fulfill fiduciary responsibilities, many companies enjoy the security and convenience of on-site shredding.  For more information on secured document destruction please visit www.hvshred.com

Why Think Local First Matters

At HV Shred, we want to take a moment to focus on one of our favorite topics—the concept of “Think Local First”.  As small businesses across America struggle to keep their independent, locally owned businesses alive during the current economic downturn, the idea of keeping it local has never been more important.

Recent national estimates state that for every $100 spent at local businesses, $68 stays in the community. When you spend that same $100 at a national chain, only $43 stays in the community.

Local businesses contribute sales tax, income tax, and keep our local people employed.

Aside from the obvious financial benefits of keeping our dollars local, there are many intangibles that speak to the pride our islanders feel about what local means to their community.

When we shop local, we:

1. Keep dollars in our economy.

2. Create local jobs. Local businesses are better at creating higher-paying jobs for our neighbors.

3. Help the environment. Buying from a local business conserves energy and resources in the form of less fuel for transportation and less packaging.

4. Nurture your community. We know you, and you know us. Studies have shown that local businesses donate to community causes at twice the rate of chains.

5. Conserve your tax dollars. Spending locally instead of online ensures that sales taxes are reinvested where they belong – in your community.

6. Create more choice. Local businesses carry a wider array of unique products because they buy and sell based on what they know local customers like.

7. Take advantage of expertise. Local merchants are passionate about what they do and how to serve you.

8. Invest in entrepreneurship. Creativity and entrepreneurship are what the American economy are founded upon.

9. Make us a destination. The more interesting and unique we are as a community, the more we will continue to attract new neighbors, visitors and guests.

10. And…it feels good!

To learn more about your local choice for on-site paper shredding and data security, please visit www.hvshred.com

The Garbage is a Treasure Chest for Identity Thieves

This week’s blog draws our attention to the continuing danger of not taking our garbage seriously.  Things we often consider junk mail too often end up as treasures for identity thieves who don’t consider it junk at all.

Valuable data comes in the mail everyday: pre-approved credit card offers, notices from the bank or car loan provider. Do we even pay attention to them? We definitely should.

The few details thieves can gather just from junk mail is easily enough to steal a person’s identity.

Think about what comes in the mail:  mortgage information including how much you owe what interest rates you’re paying, and who it’s with.  With those tidbits, identity thieves can go online and buy additional information.   All they need is the name, address and a couple other qualifying pieces of information.

By the time victims discover the theft, it could be past 30 days and much damage could be done.

Businesses are especially at risk because of their fiduciary duty to their customers.

The key is to err on the side of caution and securely dispose of all information that identifies an individual.  Even just the name and address could be a liability.

On site shredding service is the most secure and provides the most peace of mind.  Not to mention most services will also recycle the shredded paperwork—a step in the right direction to sustainable businesses practices.

For more information on identity theft protection and secure data disposal, please visit www.hvshred.com

FTC Seeks to Protect Consumers’ Data

Relying again on a favorite resource for the latest news in identity theft protection, this week’s blog comes from OnGuardOnline.gov. In today’s economy, Big Data is big business. And data brokers — companies that collect consumers’ personal information and resell or share that information with others — play a key role.

The Federal Trade Commission recently released a study of nine data brokers. These data brokers collect personal information about consumers from a wide range of sources — including public records, loyalty cards, websites and social media — and provide information for a wide range of purposes — including verifying someone’s identity, marketing products and detecting fraud.

Here’s a summary of what the FTC learned:

• Data brokers collect consumer data from numerous sources, largely without consumers’ knowledge.

• Data brokers collect and store billions of data elements, including some on nearly every U.S. consumer.

• Data brokers combine and analyze data about consumers to make potentially sensitive inferences.

Under the circumstances, the Commission unanimously renewed its call for Congress to consider enacting legislation that would enable consumers to learn of the existence and activities of these data brokers and provide consumers with reasonable access to information held about them by these entities. With respect to brokers that sell marketing products, a majority of the Commission had four specific suggestions for Congress:

1. Consider giving consumers a way to easily identify which brokers have data about them and where they can go to access it or opt out. One way to do that: A central online portal.

2. Consider whether data brokers should have to clearly disclose that they not only collect raw data, but also combine it with other information to draw inferences about people. That’s especially important when it comes to sensitive topics like health conditions.

3. Consider requiring data brokers to reveal more about their sources. That would make it easier for consumers to track down and correct the source of inaccurate information (for example, a mistake in a public record).

4. Consider whether consumer-facing businesses should have to clearly disclose that they share information with data brokers and to give consumers choices, including opting out. For sensitive data – health information is one example – the FTC is asking Congress to consider legislation to require consumer-facing sources to get people’s affirmative express consent before they collect it in the first place.

The Report finishes with three let’s-get-real recommendations for the data broker industry: Implement privacy by designs, come up with better ways to stop collecting information from children and teens, and take reasonable precautions to ensure downstream data users don’t use it for illegal purposes.

For the good of our local and global community, these are real issues to keep in the forefront. For more on identity theft protection, please visit www.hvshred.com

Identity Theft Best Practices for Vacationers

College grads are already out for the summer and the grade school students will be close behind.  Vacations are on the horizon.  What follows are some gentle reminders while on vacation.  Truly, these are best practices all year round.  It’s the free feeling of vacation that leads us to want to reinforce common sense when we otherwise tend to let our guards down.

Here are some helpful tips to help reduce your risk of identity theft.

  • Be careful with ATMS. It is not difficult to set up a fake ATM. Stick to the ones that are in banks and check it over to make sure it has not been tampered.
  • Clean out your wallet. Only take along the credit cards and identity you really need. Leave a photocopy of the front and back of each card at home. This makes it easier to replace if they are lost or stolen.
  • Stop your mail. Don’t let your mail build up in your box. The post office will hold it until you return for free.
  • Use the hotel safe. While hotel safes are not Fort Knox, they are a better option than keeping it on your person.
  • Beware of open Wi-Fi. Try to use networks that require a login and make sure you use encryption when passing any information.

For more on identity theft protection and best practices, please visit www.hvshred.com

Don’t Fall Victim to Phone Scam

 

Again, we use the HV Shred log as a space to share valuable resources.  This week’s comes from The Internet Crime Complaint Center-a public/private partnership intended to help protect American citizens from internet crime.  Here’s a scam we experienced on a personal level:

The IC3 continues to receive reports of telephone scams involving calls that claim their “relative” is in a legal or financial crisis. These complaints are sometimes referred to as the “Grandparent Scam.” Scammers use scenarios that include claims of a relative being arrested or in a car accident in another country. Scammers often pose as the relative, create a sense of urgency and make a desperate plea for money to victims. It is not unusual for scammers to beg victims not to tell other family members about the situation.

The scammers also impersonate third parties, such as an attorney, law enforcement officer, or some other type of official, such as a U.S. Embassy representative. Once potential victims appear to believe the caller’s story, they are provided instructions to wire money to an individual, often referred to as a bail bondsman, for their relative to be released.

Some complainants have reported the callers claimed to be from countries including, but not limited to: Canada, Mexico, Haiti, Guatemala, and Peru.

Callers often disguise themselves by using telephone numbers generated by free applications or by spoofing their numbers.

If you receive this type of call:

  • Resist the pressure to act quickly.
  • Verify the information before sending any money by attempting to contact your relative to determine whether or not the call is legitimate.
  • Never wire money based on a request made over the phone or in an e-mail, especially to an overseas location. Wiring money is like giving cash—once you send it, you cannot get it back.

Individuals who have fallen victim to this type of scam are encouraged to file a complaint with the Internet Crime Complaint Center, http://www.ic3.gov.

For more information on best practices regarding identity theft protection please visit www.hvshred.com