Fraud Alerts http://fcnb.ca/fraud-alerts.html hourly 1 1970-01-01T00:00+00:00 Telecom service agreements: that "forever price" may only be a "for now price" http://fcnb.ca/pc_url_38938035 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">News Release from the <a rel="" link="" target="_blank" href="https://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/home" class="plainlarge">Competition Bureau</a></font><br><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/125/1be/00e/Telecom-False-Promises.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="17983235"><br></font></div><div class="plain"><font style="" class="heading1">Don't be taken in by false promises</font><br><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Looking for a great deal on Internet, television or phone services?  Telecom sales representatives may promise you will be able to renew your service contract at special promotional prices. But be skeptical. That great deal may not exist.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Consumers often complain that company sales staff may give the impression that promotional prices are guaranteed. That is known as a “forever price.” What they may fail to mention is that the “guaranteed” price is a monthly discount, and not a fixed price.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">And those Terms of Service you agreed to? They may allow the service provider to raise the price during your commitment period. Beware, since once you’ve entered into an agreement, that “guaranteed” or “forever price” may go up.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Providers may also promise that if you call the Customer Service Centre near the end of your promotional period, you’ll be able to renew your services at the reduced price—but when you make that call, you’re told that the special price is only available to new customers.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Here’s how to put these tactics on hold:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plainlarge"><b>Do your research. </b>Ask whether the promotional price applies to new customers only. Ask what the regular price will be after the promotion expires.</li><li class="plainlarge"><b>Know the key terms and conditions of your agreement.</b> Read the fine print in online ads or flyers. Advertisements often note in small print that the price for services may increase during the customer’s subscription period.</li><li class="plainlarge"><b>Read your service agreement carefully</b>. Always ask for a copy of the Terms of Service and read them carefully. Get quotes in writing. Check to see if you’ll be charged a fee if you cancel before the end of your subscription period.</li><li class="plainlarge"><b>Remember, there may be a cooling off period</b>. When you sign a contract for a product or service from a door-to-door sales agent, you may be entitled to a specified number of days to cancel that agreement without reason or penalty. The number of days varies. Contact your <a rel="" link="" target="_blank" href="http://www.consumerhandbook.ca/en/contacts/provincial-territorial-offices" class="plainlarge">provincial or territorial consumer affairs office</a> for details.</li><li class="plainlarge"><b>Keep thorough records</b>. Some advertisements are regional or time sensitive; therefore, authorities may not have access to the ads in question. Whenever possible, keep copies of digital and print ads, emails from telecom sales representatives, and documentation regarding any oral representations made to you at the time of entering into the agreement, and submit them when you file your complaint.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you believe you have been misled by a Telecom Service Provider, contact the Competition Bureau and file a complaint by phone at 1-800-348-5358 or <a rel="" link="" target="_blank" href="https://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/frm-eng/GH%C3%89T-7TDNA5" class="plainlarge">online</a>. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Related products</b></font><ul><li class="plainlarge"><a rel="" link="" target="_blank" href="https://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/04333.html#sec10" class="plainlarge">The Little Black Book of Scams 2nd edition: Door-to-door scams</a></li><li class="plainlarge"><a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/fraud-escroquerie/service-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre: Service Scams</a></li><li class="plainlarge"><a rel="" link="" target="_blank" href="https://crtc.gc.ca/eng/phone/telsp.htm" class="plainlarge">Canadian Radio-television and Telecommunications Commission: Highlights of the Report on Misleading or Aggressive Communications Retail Sales Practices</a></li></ul><font style="" class="plainlarge"><br></font><a rel="" link="" target="_blank" href="http://fcnb.ca/subscribe.html" class="plainlarge">Sign up</a> to receive fraud alerts delivered to your email.</div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-05-21T06:34:26-07:00 Telecom service agreements: that "forever price" may only be a "for now price" Industry Alert – Warning of Fake Buyers in Real Estate Transactions http://fcnb.ca/pc_url_38871679 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/351/366/05a/Fake-Buyer-Scam-EN.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="17956078">Industry Alert – Warning of Fake Buyers in Real Estate Transactions </font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">The Financial and Consumer Services Commission is warning real estate agents, mortgage brokers and other professionals working in the real estate industry to be aware of ‘fake buyers’. There have recently has been cases of reported fake buyers attempting to get money through a real estate transaction.  Although it isn’t always clear exactly how the scam will unfold, in one reported local situation, an agent was targeted by a fake buyer and the fraud was only discovered on the closing date of the sale. This scam resulted in the home owner missing out on legitimate sales opportunities.  </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">The Commission is also aware of an instance where a local mortgage broker was contacted by a real estate salesperson in another jurisdiction regarding a prospective client looking to proceed with a financial application on a residential property outside of New Brunswick. The client was a scam artist looking to wire transfer an amount of money for a deposit. While the situations are not exactly the same, they presented some common red flags. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">The red flags that may help identify a fake buyer are:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plainlarge">The buyer only makes contact via email and/or text message.</li><li class="plainlarge">The buyer is willing to trust an agent they found on the internet without having a conversation or meeting in person.</li><li class="plainlarge">The storyline follows a similar pattern, such as: the buyer is out of country or away from the area for a period of time. Their story also displays many twists and turns, including: time zone differences, details about travel and/or jet lag, and other complications that pose obstacles to having a conversation over the phone. In some cases, they may even refer you to speak with a third-party on their behalf. </li><li class="plainlarge">The buyer wants to purchase a property sight unseen, sometimes in a community that they know nothing about. The buyer may also omit to ask questions that a typical buyer would ask. </li><li class="plainlarge">He or she may be eager to overshare financial arrangements, or provide official looking documentation, such as forged bank letters. </li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">In all cases, it is important to practice due diligence and ensure you verify the identity of a prospective client. Below are some suggested best practices: </font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plainlarge">Confirm all documentation (ie: driver’s licence, government issued-ID) to ensure identity, especially if you don’t meet the client in person and are dealing exclusively via email or text message.</li><li class="plainlarge">Avoid sending or sharing sensitive information via email. </li><li class="plainlarge">Verify with the bank that the funds have cleared before completing a transaction.</li><li class="plainlarge">Trust your instinct. If something seems off with the client or transaction, practice further due diligence before proceeding. </li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">In February, the Law Society of New Brunswick also posted a <a rel="" link="" target="_blank" href="http://lawsociety-barreau.nb.ca/uploads/Fraud_Alert_February_2019.pdf" class="plainlarge">fraud alert</a> related to this type of scam. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Be aware that these scams can be extremely convincing, and are becoming more frequent and are constantly evolving. Always report this type of fraudulent activity to the <span style="" class="plain">Financial and Consumer Services Commission</span> and the police. Being vigilant, thinking critically and using best practices for knowing your client is the best defense against fraud. </font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><div class="plain"><br></div><p class="plain"></p> FCNB 2019-03-21T09:30:07-07:00 Industry Alert – Warning of Fake Buyers in Real Estate Transactions Financial Crime Trend Bulletin: Service Scams http://fcnb.ca/pc_url_38869101 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><img width="250" align="left" src='//0104.nccdn.net/1_5/0de/28d/276/CAFC-Service-Scams.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" border="0" size="250" daid="17954990"><font style="" class="heading1">CAFC Bulletin: Service Scams</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">This fraud bulletin was prepared to provide awareness regarding Service Scams and tips on how to avoid becoming a victim.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Service scams may be categorized as any false, deceptive, misleading or fraudulent promotion or solicitation for services. These solicitations involve third parties that commonly make offers for telecommunications, internet, finance, medical and energy services. Additionally, this category may also include offers such as extended warranties, insurance and sales services. Some of the most common scams include the Microsoft/windows repairs, lower interest rates, home renovations (duct cleaning, furnace replacements, air purifiers), immigration scams, pardons, and lower hydro/energy.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Anti‐Virus</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">A consumer receives a call advising that they have malware and viruses on their computer. However, the issue can be fixed over the phone with remote access. The caller indicates there is an immediate threat to your computer and tries to pressure you into a hasty decision. Once scammers are provided access, they will steal information. They can even access online banking profiles and more.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Lower Interest Rate</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">Scammers call consumers and offer to lower credit card interest rates for a fee. Consumers are convinced and provide banking details and agree to a one‐time fee. Scammers are not associates from your bank and cannot adjust your interest rate. Only your credit card company can lower your interest rate.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Immigration Scams</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">Any false, deceptive, misleading or fraudulent solicitation making claims to offer special immigration deals or guaranteed high‐paying jobs. Scammers can easily create fake websites which will claim to be official government sites or partners, and offer immigration opportunities.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Lower Energy / Hydro Bills</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">Any false, deceptive, misleading or fraudulent offer to lower your energy bill.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Air Duct Cleaners / Home Repairs</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">Consumers receive a call from a telemarketer, offering services at low prices. Services can include air duct cleaning and furnace/boiler repairs or assessment. Although services are often completed, they are of low quality, offer invaluable warranties and cause potential risks.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Warning Signs – How to Protect Yourself</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plainlarge">Never give anyone remote access to your computer. If you are having problems with your operating system, bring it to a local technician.</li><li class="plainlarge">Beware of scammers advising you of an unauthorized charge on your credit card account and requesting your credit card number.</li><li class="plainlarge">Verify any calls with your credit card company by calling the phone number on the back of your credit card.</li><li class="plainlarge">Never provide personal information or banking details over the telephone unless you initiated the call.</li><li class="plainlarge">Beware of solicitations for products or services offering lower energy bills.</li><li class="plainlarge">Do your homework before hiring a company.</li><li class="plainlarge">Don’t be afraid to ask questions, and if you feel pressured, never hesitate to hang up.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti‐Fraud Centre at 1‐888‐495‐8501 or report online at <a link="" rel="" target="_blank" href="http://www.antifraudcentre.ca" class="plainlarge">http://www.antifraudcentre.ca</a><font style="" class="plain"> .</font></font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-03-19T05:00:03-07:00 Financial Crime Trend Bulletin: Service Scams Financial Crime Trend Bulletin: Tech Support Scam http://fcnb.ca/pc_url_38859539 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><img width="250" align="left" src='//0104.nccdn.net/1_5/0b4/25b/044/CAFC-Tech-Support-Scam.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="17950392"><font style="" class="heading1">CAFC Bulletin: Tech Support Scam</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Tech Support Scams start with a call or pop‐up. Scammers often pretend to work for Microsoft, Google or Apple. Scammers will claim that there are security issues with your device. For instance, they tell you that there is a virus or threat on your device or that your device is sending out viruses or that you may lose your personal data. The scammers often request remote access to the device and will pretend to run a diagnostic test. They then try to sell you a repair service or anti‐virus software. In the end, you pay for a service that was worthless and not needed as the computer was never infected.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Warning signs – How to protect yourself</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plainlarge">Be suspicious about unsolicited phone calls or pop‐ups stating your computer/device is infected with a virus or a threat has been detected.</li><li class="plainlarge">Do not open or click on any link as malware could be installed.</li><li class="plainlarge">Always have your computer/device serviced by a reputable local business.</li><li class="plainlarge">Never allow an unknown person to gain remote access to your computer/device.</li><li class="plainlarge">Don’t pay with a gift card or send any money.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti‐Fraud Centre at 1‐888‐495‐8501 or report online at <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">www.antifraudcentre.ca</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><font style="" class="plainsmall"><br></font></div><div class="plain"><font style="" class="plainsmall"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-03-11T10:36:34-07:00 Financial Crime Trend Bulletin: Tech Support Scam Financial Crime Trend Bulletin: Loan Scams http://fcnb.ca/pc_url_38854517 <p class="plain"></p><div class="plain"><font style="" class="plainlarge">Financial Crime Trend Bulletin: Loan Scams</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" daid="17948012" src='//0104.nccdn.net/1_5/3b9/350/07c/CAFC-Loan-Scams.jpg' style="margin: 15px 15px 15px 0px;float: left" border="0" size="250">CAFC Bulletin: Loan Scams</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">When applying for a Loan, always be on the lookout for scam ads which are found through online advertising or deceitful websites. These are designed to look like a legitimate lending institution. Victims who respond to the ads are asked to provide personal information such as a copy of a passport, SIN, driver’s license and bank account details which can result in ID Theft. The scammers then ask the victim to send money to secure the loan and funds are never received. Be very vigilant when someone offers you easy money. Scammers are extremely skilled and often convince people that their loan offer is real.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="customtext2"><b>Warning Signs – How to Protect Yourself</b></font></div><div class="plain"> </div><div class="plain"><ul><li class="plainlarge">It is illegal in most provinces for a company to request an upfront fee prior to obtaining your loan. Do not send funds to secure your loan!!!!</li><li class="plainlarge">Beware of companies offering a guarantee on your loan even if you have bad credit or no credit.</li><li class="plainlarge">If you are asked to make payments via email money transfer, money service business, or pre‐paid credit cards cease all contact immediately.</li><li class="plainlarge">Contact consumer protection agencies and regulators to ensure that the company is a legitimate lender.</li><li class="plainlarge">Advertising through a recognized media outlet does not ensure that the ad was placed by a legitimate company.</li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti‐Fraud Centre at 1‐888‐495‐8501 or report online at <a link="" rel="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">www.antifraudcentre.ca</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it. </font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><div class="plain"><br></div><p class="plain"></p> FCNB 2019-03-05T07:45:24-08:00 Financial Crime Trend Bulletin: Loan Scams Financial Crime Trend Bulletin: What To Do If You’re A Victim http://fcnb.ca/pc_url_38850025 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/32b/14d/051/CAFC-What-to-do_1.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="17945468">CAFC Bulletin: What To Do If You’re A Victim</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">The Canadian Anti‐Fraud Centre (CAFC) estimates that less than 5% of mass marketing fraud is reported. This bulletin will highlight what steps victims need to take after they’ve been defrauded.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>What to do if you’re a Victim:</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge"><b>Step 1:</b> Gather all information pertaining to the fraud. This includes documents, receipts, copies of emails and/or text messages.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Step 2:</b> Report the incident to your local law enforcement. This ensures that your Police of jurisdiction are aware of what scams are targeting their residents and businesses. Keep a log of all calls and document your file or occurrence numbers.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Step 3:</b> Contact the Canadian Anti‐Fraud Centre toll free at 1‐888‐495‐8501 or through the <a rel="" link="" target="_blank" href="https://www.services.rcmp-grc.gc.ca/?ipeReferer=CAFCFRS" class="plainlarge">Fraud Reporting System</a> (FRS) found on our website.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Step 4:</b> Report the incident to the Financial Institution where the money was sent. (e.g, Money Service Business such as Western Union or MoneyGram, Bank or Credit Union, Credit Card Company or Internet Payment Service Provider).</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Step 5: </b>If the fraud took place online through Facebook, eBay, a classified ad such as Kijiji or a dating website, be sure to report the incident directly to the website. This is often found under “Report Abuse” or “Report an Ad”.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Step 6:</b> Victims of ID Fraud should place flags on all their accounts and report to both Credit Bureau’s, <a rel="" link="" target="_blank" href="https://www.consumer.equifax.ca/personal/" class="plainlarge">Equifax</a> and <a rel="" link="" target="_blank" href="https://www.transunion.ca/" class="plainlarge">TransUnion</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Warning signs – How to protect yourself</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plainlarge">Beware of Recovery Scams. Victims of fraud are often targeted a second or third time with the promise of recovering money previously lost. Always do your due diligence and never send money to recovery money.</li><li class="plainlarge">Stay current. Advise the CAFC, Financial Institutions and Law Enforcement of any updates.</li><li class="plainlarge">Be pro‐active. Educate family, friends, neighbours and co‐workers on mass marketing frauds. You may prevent someone else from becoming a victim.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti‐Fraud Centre at 1‐888‐495‐8501 or report online at <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">www.antifraudcentre.ca</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><font style="" class="plainsmall"><br></font></div><div class="plain"><font style="" class="plainsmall"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-03-01T08:45:13-08:00 Financial Crime Trend Bulletin: What To Do If You’re A Victim FRAUD ALERT - Real Estate Rental Scam http://fcnb.ca/pc_url_38820079 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/3be/068/364/Real-Estate-Scams.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="17930475">FRAUD ALERT - Real Estate Rental Scam</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">The Real Estate Board of Fredericton has identified a rental scam that is currently circulating in the area. Fraudsters are advertising properties for rent on Kijiji using information and photos from legitimate real estate listings. It is suspected that the scam artist is hoping to get money from victims by collecting fraudulent damage deposits. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Last week, a local woman pled guilty to engaging in a similar rental scam that victimized multiple people. Victims reported responding to Kijiji ads for apartments or rooms for rent in the Fredericton area. The victims met the local woman at neutral locations such as the hospital, retail locations and coffee shops. According to local police, the victims paid hundreds of dollars in cash to cover the first month’s rent and damage deposits, before discovering the rental properties were not the property of the scam artist. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">At FCNB we share information on the red flags of fraud and information about current scams circulating in the province in an effort to help New Brunswickers protect themselves and their communities. While scams change and adapt, the red flags of fraud tend to be common across different types of scams. The more people can recognize the red flags, think critically about offers and be vigilant, the fewer people will end up being scammed. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">In the rental scam identified by the Fredericton Real Estate Board, here are some of the red flags: </font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plain"><font style="" class="plainlarge">Spelling errors and typos in the ads</font></li><li class="plain"><font style="" class="plainlarge">Pressure to act quickly </font></li><li class="plain"><font style="" class="plainlarge">Asking the potential renter to ignore the for sale signs on the property</font></li><li class="plain"><font style="" class="plainlarge">No ability for the potential renter to see the property in person before providing a deposit </font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">New Brunswickers are encouraged to use these best practices before paying money to secure a rental property:  </font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plainlarge"><a rel="" link="" target="_blank" href="http://www.fcnb.ca/saving-investing/red-flags-of-fraud.html" class="plainlarge">Be aware of the red flags of fraud</a>. </li><li class="plain"><font style="" class="plainlarge">Never send money to someone you’ve never met, or only met online.</font></li><li class="plain"><font style="" class="plainlarge">Before signing a rental agreement and paying a damage deposit, insist on seeing the property in person. If you are moving from out of province, ask someone you know locally to look at the property for you. </font></li><li class="plainlarge"><a rel="" link="" target="_blank" href="https://support.google.com/websearch/answer/1325808?co=GENIE.Platform%3DAndroid&hl=en" class="plainlarge">Do a reverse image search</a> to determine if the images are shared on other websites.</li><li class="plain"><font style="" class="plainlarge">If there is a for sale sign on the property, contact the listing REALTOR®to inquire if the owner is also seeking to rent to property.  </font></li><li class="plain"><font style="" class="plainlarge">If you are entering a rent to own situation, seek legal advice before signing a contract.</font></li><li class="plainlarge">When purchasing or negotiating on sites such as Kijiji, it is always buyer beware. When using sites such as Realtor®, you are dealing with agents who are licensed. Learn more about how licensing can protect you, <a rel="" link="" target="_blank" href="http://fcnb.ca/buying-and-selling-property.html" class="plainlarge">here</a>. </li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you suspect that you have been targeted in a rental fraud scam, contact the <a rel="" link="" target="_blank" href="http://www.policenb.ca/regions/" class="plainlarge">police</a>. </font></div><div class="plain"><br></div><div class="plain"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></div><p class="plain"></p> FCNB 2019-02-05T06:30:12-08:00 FRAUD ALERT - Real Estate Rental Scam FRAUD ALERT - PayPal Ad Scam http://fcnb.ca/pc_url_38794239 <p class="plain"></p><div class="plain"><br></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/357/232/3e5/laptop-woman---pexels.jpg' style="margin: 15px 15px 15px 0px;float: left" height="167" size="250" border="0" daid="17916627">FRAUD ALERT - PayPal Ad Scam</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">New Brunswickers are being targeted by fraudulent Google ads that appear to promote the PayPal customer service line. The phone number in the ad directs callers to a scam artist who tries to gain access to their PayPal account.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><img width="400" daid="17916628" src='//0104.nccdn.net/1_5/0de/0db/2d2/PayPal-Ad-Sample.PNG' height="200" border="0"><br></font><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>How to recognize the PayPal Ad Scam:</b></font><ul><li class="plain"><font style="" class="plainlarge">The phone number on the Google ad does not match the phone number on the actual PayPal website. (Red flag: inconsistent contact methods.)</font></li><li class="plain"><font style="" class="plainlarge">The customer service rep asks you to purchase a Google Play or iTunes gift card to “secure and link” the correct credit card to their PayPal account. (Red flag: unusual payment methods.) </font></li><li class="plain"><font style="" class="plainlarge">You are rushed into making a decision or giving personal information (Red Flag: pressures you to act fast).</font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>What to do if you see a PayPal Ad Scam:</b></font></div><div class="plain">Do not click on the ad or call the phone number advertised. Instead, find the number directly from the PayPal website for assistance.</div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Where to report the PayPal Ad Scam:</b></font></div><div class="plain">Report the scam to <a rel="" link="" target="_blank" href="https://www.paypal.com/ca/home" class="plain">PayPal</a> and to the <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre</a>. </div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Learn more about <a rel="" link="" target="_blank" href="http://fcnb.ca/how-to-report-fraud.html" class="plainlarge">how to report fraud</a> and <a rel="" link="" target="_blank" href="http://fcnb.ca/where-to-report-fraud.html" class="plainlarge">where to report fraud</a>.</font><font style="" class="plainlarge">Sign up to receive <a rel="" link="" target="_blank" href="http://fcnb.ca/subscribe.html" class="plainlarge">fraud alerts</a> delivered to your inbox.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-01-11T11:33:31-08:00 FRAUD ALERT - PayPal Ad Scam FRAUD ALERT - Canada Revenue Agency Scams http://fcnb.ca/pc_url_38792736 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/341/0e0/022/CRA-Fraud-Alert.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="17916031">Canada Revenue Agency Scams </font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><i><br></i></font></div><div class="plain"><font style="" class="plainlarge"><i>RCMP Bulletin 4. Version 1.0</i></font><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b><br></b></font></div><div class="plain"><font style="" class="customtext2"><b>Recognize, Reject and Report it!</b></font></div><div class="plain">If you receive a suspicious phone call or e-mail from someone claiming to be from the Canada Revenue Agency (CRA) – question it! Canadians lose millions of dollars each year through various CRA scams.</div><div class="plain"><font style="" class="customtext2"><b><br></b></font></div><div class="plain"><font style="" class="customtext2"><b>Recognize it! </b></font><font style="" class="plainlarge"><br></font><font style="" class="highlight"><br></font></div><div class="plain"><font style="" class="highlight">What are common CRA scams?</font></div><div class="plain">CRA scams come in many forms - over the phone, by e-mail, or by text message. In all cases, the caller or sender poses as an agent from the Canada Revenue Agency in an attempt to gather personal information, or intimidate a victim into providing financial payment.</div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight">Phone Scam</font></div><div class="plain"><font style="" class="plainlarge">Phone scammers posing as CRA agents will claim one of several possibilities:</font><ul><li class="plain"><font style="" class="plainlarge">that you owe money to the CRA and will be arrested if you do not pay immediately;</font></li><li class="plain"><font style="" class="plainlarge">that a lawsuit has been filed against you by the CRA;</font></li><li class="plain"><font style="" class="plainlarge">that a warrant of arrest has already been issued under your name;</font></li><li class="plain"><font style="" class="plainlarge">that you will be deported if you do not pay the money demanded; or</font></li><li class="plain"><font style="" class="plainlarge">other similar threats to get you</font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="quote">"The reason behind this call is to notify you that we have registered a criminal case against your name concerning a tax evasion and tax fraud in the federal court house... If we don't receive a call from your side, please be prepared to face the legal consequences."</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight">E-Mail Scam / Text Message</font></div><div class="plain">An e-mail or text message is sent from someone pretending to be with the CRA, claiming:<ul><li class="plain"><font style="" class="plainlarge">that your tax calculation has been completed, and you will receive a tax refund by going through a link and submitting information;</font></li><li class="plain"><font style="" class="plainlarge">that you or your company is being accused of participating in tax evasion schemes;</font></li><li class="plain"><font style="" class="plainlarge">that several discrepancies have been found with your filed taxes which need to be revised;</font></li><li class="plain"><font style="" class="plainlarge">that you’ve received an e-transfer from the CRA for what appears to be a tax refund; or</font></li><li class="plain"><font style="" class="plainlarge">that an “investigation” has been started on your CRA cla</font>im.</li></ul><br><font style="" class="highlight">An example of fraudulent text message:</font> </div><div class="plain"><br><div align="left"><img width="250" align="" daid="17916032" src='//0104.nccdn.net/1_5/168/1f8/37e/CRA-EN.PNG' height="314" border="0"></div><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Reject it! </b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="highlight">How can I protect myself or my loved ones?</font><ul><li class="plain">Hang up immediately if there’s anything suspicious or unprofessional about the call – the CRA will <font style="" class="highlight"><i>NEVER</i></font> threaten you with immediate arrest, use abusive language or send police.</li><li class="plain">The CRA will <font style="" class="highlight"><i>NEVER</i></font> request a payment by Interac e-transfer, online currency such as bitcoin, pre-paid credit cards or pre-paid gift cards such as iTunes, Home Depot, etc.</li><ul><ul><li class="plain">The CRA’s accepted methods of payment are online banking, debit card, credit card or PayPal through a third-party service provider and pre-authorized debit.</li></ul></ul><li class="plain">Do not click on any link in an e-mail pretending to be from the CRA – the CRA will <font style="" class="highlight"><i>NEVER</i> </font>ask you to click on any link to get a refund or to collect personal or financial information.</li><ul><ul><li class="plain">The only time the CRA will send an e-mail that contains links is if a taxpayer calls the CRA to ask for a form or a link to specific information. A CRA agent will send the information to the taxpayer’s email during the telephone call – this is the ONLY exception to the above rule!</li></ul></ul><li class="plain">The CRA <i><font style="" class="highlight">NEVER</font></i> sends out text messages. Any text message from the CRA is a scam.</li><li class="plain">Young people are often the most at risk to this scam, particularly when filing their taxes for the first time. Make sure your family and friends are educated on what the CRA will and will not ask for during tax season.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Report it! </b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="highlight">How should I respond?</font><ul><li class="plain"><font style="" class="plainlarge">If you are not sure if a message is from the CRA, confirm your tax status with the CRA online through a CRA secure portals such as <a rel="" link="" target="_blank" href="https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html?utm_source=stkhldrs&utm_medium=eml&utm_campaign=frdscms" class="plainlarge">My Account</a> or by calling 1-800-959-8281.</font></li><li class="plain"><font style="" class="plainlarge">File a report with the Canadian Anti-Fraud Centre (CAFC) toll-free at 1-888-495-8501 or online <a rel="" link="" target="_blank" href="http://www.antifraudcentre.ca/" class="plainlarge">www.antifraudcentre.ca</a>, whether you paid money or not.</font></li><li class="plain"><font style="" class="plainlarge">Report the scam to your local police if you paid money (this includes purchasing pre-paid credit cards, gift cards, or online currency such as Bitcoin).</font></li><li class="plain"><font style="" class="plainlarge">If you sent money or shared financial information, report it to the financial institution used e.g. your bank, Western Union, MoneyGram.</font></li><li class="plain"><font style="" class="plainlarge">If your social insurance number has also been stolen, contact Service Canada at 1-800-206-7218.</font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="alert"><b>We strongly suggest that you REPORT THE INCIDENT for the following reasons:</b></font><font style="" class="alert">If you’ve sent money or transferred money or goods to a scammer, the police and financial institutions need to be aware in order to properly investigate, recover stolen funds and/or goods (if possible) and work towards preventing further criminal activity</font><font style="" class="alert"><br>Reporting scams helps fraud authorities to warn other people about current scams, monitor trends and disrupt scams where possible.</font><br><font style="" class="highlight">Additional information can be found at:</font><ul><li class="plain"><font style="" class="plainlarge">Canadian Anti-Fraud Centre <a rel="" link="" target="_blank" href="http://www.antifraudcentre.ca/" class="plainlarge">http://www.antifraudcentre.ca/</a></font></li><li class="plain"><font style="" class="plainlarge">Get Cyber Safe <a rel="" link="" target="_blank" href="https://www.getcybersafe.gc.ca/cnt/blg/pst-20140331-en.aspx" class="plainlarge">https://www.getcybersafe.gc.ca</a></font></li><li class="plain"><font style="" class="plainlarge">Competition Bureau (Little Black Book of Scams) <a rel="" link="" target="_blank" href="http://www.competitionbureau.gc.ca/" class="plainlarge">www.competitionbureau.gc.ca</a></font></li><li class="plain"><font style="" class="plainlarge">Canada Revenue Agency <a rel="" link="" target="_blank" href="https://www.canada.ca/en/revenue-agency/corporate/security/protect-yourself-against-fraud.html" class="plainlarge">https://www.canada.ca/en/revenue-agency.html</a></font></li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain">Sign up to receive <a link="" rel="" target="_blank" href="http://fcnb.ca/subscribe.html" class="plainlarge">fraud alerts</a> delivered to your email.</div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><div class="plain"><br></div><p class="plain"></p> FCNB 2019-01-10T08:30:18-08:00 FRAUD ALERT - Canada Revenue Agency Scams Be smart with smart toys – know when to pull the plug http://fcnb.ca/pc_url_38767608 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/022/2c6/26f/Smart-Toys.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="17905632">Be smart with smart toys – know when to pull the plug</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">News Release from the <a rel="" link="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/frm-eng/GH%C3%89T-7TDNA5" class="plainlarge">Competition Bureau</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2">Buyers beware</font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><br></span></font><font style="" class="plainlarge">Your kids are playing with a new doll they received for the holiday season. The instructions tell you to connect the toy to the Internet using an app… so you do. Your kids start playing with the doll, talking to it, playing house, maybe even talking about going on a trip. Suddenly, your smartphone lights up with advertisements for travel packages and services. What possibly could have happened?</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">By connecting the toy to the Internet, you may be giving your kids a fun interactive experience. You may also be unknowingly or involuntarily giving up some personal information. The toy may be listening in on your kids and picking up cues, which are then used to push targeted ads to your smartphone or tablet.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Whether it’s a talking doll, a stuffed animal or a robot, connected toys have a variety of capabilities as they are commonly equipped with microphones, speakers, cameras and location tracking technology. A connected toy could put the privacy and possibly even the security of your kids and family at risk, as they collect and use personal information that includes names, birthdates, address, conversation recordings, physical location, and more.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">What information is collected, how it is used and how it is disposed of is not always disclosed properly on packaging or in advertising materials. It may be used by the toy manufacturer, or third parties, for advertising purposes. That could be considered deceptive marketing and would raise concerns for the Bureau.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Before you rush out to purchase one of these toys, the Competition Bureau and its law enforcement partners want you to be aware of some of the risks to your children and family:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Hidden marketing: </b>certain toys need to be connected to the parent’s smartphone or tablet through an app. While these toys listen and interact with your kids, they may pick up on key words that will be used to push more targeted advertising to your device.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Undisclosed product placement:</b> connected toys are sometimes pre-programmed to say certain phrases - some of which may promote a product, business or service.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Misleading terms and conditions:</b> certain toys and related apps require that parents agree to terms and conditions that may be difficult to read, unclear or misleading. The terms and conditions might also not include all the information you need to know.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Intrusive terms and privacy policies: </b>the terms of use and privacy policies can be changed at any time, and they can include terms that allow the toy manufacturer to share your information with third parties without notice.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Inadequate security: </b>with toys connected to the Internet, personal information about your kids and your family could be accessed by hackers and other cybercriminals if they are not properly secured.</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Here are some tips for those who may wish to purchase or use connected toys:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plain"><font style="" class="plainlarge">Research the toy for any known risks or issues.</font></li><li class="plain"><font style="" class="plainlarge">Carefully read the terms and conditions associated with the use of the toy.</font></li><li class="plain"><font style="" class="plainlarge">Research the toy manufacturer and buy from recognized, trusted brands.</font></li><li class="plain"><font style="" class="plainlarge">Learn how the toy works.</font></li><li class="plain"><font style="" class="plainlarge">Understand what information will be collected, used, stored and who has access to it. </font></li><li class="plain"><font style="" class="plainlarge">Use only trusted and secured Internet networks.</font></li><li class="plain"><font style="" class="plainlarge">Change the toy manufacturer’s default username and password. Use strong passwords. </font></li><li class="plain"><font style="" class="plainlarge">Ensure the toy is kept up to date with security updates or patches.</font></li><li class="plain"><font style="" class="plainlarge">Monitor your kids’ activities when they’re playing with the toy. Turn it off when it’s not in use and disconnect it for added security.</font></li><li class="plain"><font style="" class="plainlarge">Learn how to delete your child’s personal information in case the toy gets lost or discarded.</font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Report hidden marketing and misleading terms and conditions to the <a rel="" link="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/frm-eng/GH%C3%89T-7TDNA5" class="plainlarge">Competition Bureau</a> (1-800-348-5358). Report cybersecurity concerns to the <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/reportincident-signalerincident/index-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre</a> (1-888-495-8501) or the <a rel="" link="" target="_blank" href="http://www.rcmp-grc.gc.ca/scams-fraudes/index-eng.htm" class="plainlarge">RCMP.</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Learn more about how to report fraud and <a rel="" link="" target="_blank" href="http://fcnb.ca/how-to-report-fraud.html" class="plainlarge">where to report fraud</a>.</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Sign up to receive <a rel="" link="" target="_blank" href="http://fcnb.ca/subscribe.html" class="plainlarge">fraud alerts</a> delivered to your email.</font></div><p class="plain"></p> FCNB 2018-12-13T06:38:29-08:00 Be smart with smart toys – know when to pull the plug FRAUD ALERT - Bank investigator scam uses common red flags of fraud http://fcnb.ca/pc_url_38749447 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/1b5/042/3b2/Bank-Investigator-Scam.jpg' style="margin: 15px 15px 15px 0px;float: left" height="287" size="250" border="0" daid="17900612">Bank investigator scam uses common red flags of fraud</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">FCNB is warning New Brunswickers about a modern twist on an old scam known as the ‘bank investigator’ scam after being alerted that a Saint John resident recently lost money to this fraud. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Circulating since the 1950s, this telephone scam involves a scammer calling you pretending to be a representative of a financial institution working on a fraud case.</font>The scammer says they need your help to stop this fraud, and they want to use your bank account in the sting operation.</div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">In this particular case, the scammer called the victim in the early morning claiming a suspicious purchase of iTunes gift cards was made on the victim’s credit card. The scammer later said that the victim had been approved to participate in a sting operation to catch suspicious employees at local bank branches involved in the suspected scam. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">When the victim questioned the legitimacy of the sting operation, the scammer provided specific information about the individual’s bank account to make it sound legitimate. The victim was also advised not to contact the bank because it would “tip them off” to the investigation.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">The victim was instructed to go to a particular store to buy $1,400 of iTunes cards.  The scammer implied that the store may be involved in the scam as well. Once he purchased the iTunes cards, the victim was instructed to provide the scammer with the codes on the back of the iTunes cards so they could be tracked.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">The victim was then given the name of a security personnel to call at the local bank branch at a specific time to learn the results of the sting investigation.  When the victim called the branch, he discovered the investigation was a hoax. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight">How to Spot the Common Red Flags in the Bank Investigator Scam:</font></div><div class="plain"><b><br></b><ul><li class="plain"><font style="" class="plainlarge">You receive a telephone call early in the morning, often when you are still sleeping, from someone claiming to be a representative from a financial institution (Red Flag: Catches you off guard).</font></li><li class="plain"><font style="" class="plainlarge">You are rushed into making a decision or giving personal information (Red Flag: Pressures you to act fast).</font></li><li class="plain"><font style="" class="plainlarge">You are asked to make a purchase of iTunes gift cards or other company gift cards, pre-paid credit cards or cryptocurrencies, like bitcoin (Red Flag: Pay with unusual methods). </font></li><li class="plain"><font style="" class="plainlarge">You are asked to keep the information the scammer is providing secret (Red Flag: Ask you to keep it a secret because you might be warned it’s a scam!).</font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight"><b>How to protect yourself from this scam:</b></font></div><div class="plain"><b><br></b><ul><li class="plain"><font style="" class="plainlarge">Be alert when dealing with your financial matters. </font></li><li class="plain"><font style="" class="plainlarge">Never provide personal or banking information to someone you do not know on the phone, in a text or in an email. Call your bank with a number from your records, or the phone book to confirm if this is in fact legitimate. </font></li><li class="plain"><font style="" class="plainlarge">Always question urgent requests for money.</font></li><li class="plain"><font style="" class="plainlarge">Do not forward or transfer money to people you do not know.</font></li><li class="plain"><font style="" class="plainlarge">Never make a payment to a financial institution using iTunes gift cards. A financial institution or legitimate organization will never ask you to pay using these gift cards.</font></li><li class="plain"><font style="" class="plainlarge">Don’t transfer money or codes to anyone that you do not know.</font></li><li class="plain"><font style="" class="plainlarge">Do not assume the phone numbers appearing on call display are accurate</font>. Criminals use “Call Spoofing” technology to mislead victims.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight">Where to report the Bank Investigator Scam:</font></div><div class="plain"><b><br></b><font style="" class="plainlarge">If you think you have been a victim of this scam, contact your financial institution immediately, your local police or RCMP and the <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre</a>. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Learn more about <a rel="" link="" target="_blank" href="http://fcnb.ca/how-to-report-fraud.html" class="plainlarge">how to report fraud</a> and <a rel="" link="" target="_blank" href="http://fcnb.ca/where-to-report-fraud.html" class="plainlarge">where to report fraud</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Sign up to receive <a rel="" link="" target="_blank" href="http://fcnb.ca/subscribe.html" class="plainlarge">fraud alerts</a> delivered to your email.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><div class="plain"><br></div><p class="plain"></p> FCNB 2018-11-27T07:30:45-08:00 FRAUD ALERT - Bank investigator scam uses common red flags of fraud Bargain hunting season could turn into a wild goose chase http://fcnb.ca/pc_url_38745962 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><img width="250" align="left" daid="17898847" src='//0104.nccdn.net/1_5/277/358/34d/CAFC-Cancelled-Discounts.jpg' style="margin: 15px 15px 15px 0px;float: left" border="0" size="250">News Release from the <a link="" rel="" target="_blank" href="https://www.canada.ca/en/competition-bureau.html" class="plainlarge">Competition Bureau</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1">Bargain hunting season could turn into a wild goose chase</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">The biggest online shopping events of the year are coming up. Nearly half of Canadians are expected to be joining the online hunt for bargains this Black Friday and Cyber Monday. If you’re one of them, before going wild take a minute to learn about an advertising trend that’s on the Competition Bureau’s radar: cancelled discounts.  </font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">This is how it works: when shopping on a popular retailer’s website, you find a super deal on a video game, computer, fashion accessory, clothing or houseware. You place the item in your basket, check out and pay. You then receive an email purchase confirmation. Everything seems normal.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Later on, you receive an email from the retailer’s customer service. They say there was an error and they can’t honour the advertised price. They cancel your order. Surprisingly, when you go back to the website, the exact same product is still being offered but at a higher price.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Under certain circumstances, failing to provide the product at the advertised bargain price could be seen as an illegal <a link="" rel="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/03798.html" class="plainlarge">bait and switch</a>. That’s why it’s important that you know what to look out for, what your rights are and where to complain.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Be sure to:</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><ul><li class="plain"><font style="" class="plainlarge">Always keep email purchase confirmations and credit card statements.</font></li><li class="plain"><font style="" class="plainlarge"><b>Get a complete refund</b> if the order can’t be fulfilled at the right price.</font></li><li class="plain"><font style="" class="plainlarge">Confirm that the money is back into your account.</font></li><li class="plain"><font style="" class="plainlarge">Keep any email exchanges with the retailer’s customer service, especially a confirmation that they’ll give a full refund.</font></li><li class="plain"><font style="" class="plainlarge">Double-check the website if they claim the item is unavailable at the price offered. If the ad is still up, take a screen shot, ask questions and request that it be corrected so fellow bargain hunters don’t fall into the same trap.  </font></li><li class="plain"><font style="" class="plainlarge">Keep records and file a complaint with the <a link="" rel="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/frm-eng/GH%C3%89T-7TDNA5" class="plainlarge">Competition Bureau</a> if the retailer claims the item is unavailable at the price you paid but it’s available at a higher price.</font></li><li class="plain"><font style="" class="plainlarge">Know that depending on provincial or territorial consumer protection law, the retailer may have to honour the advertised price. Contact your <a link="" rel="" target="_blank" href="http://www.consumerhandbook.ca/en/contacts/provincial-territorial-offices" class="plainlarge">local consumer protection agency</a> to learn more. </font></li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Here are some extra precautions you can take when shopping online:</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><ul><li class="plain">U<font style="" class="plainlarge">se a credit card; many offer protection and may give you a refund.</font></li><li class="plain"><font style="" class="plainlarge">Regularly check your credit card statements for frequent or unknown charges.</font></li><li class="plain"><font style="" class="plainlarge">Don’t hesitate to contact the retailer’s customer service if you have questions, especially if your money is gone and there’s no product in sight. You might only have a small window of time to flag the problem and alert your credit card provider.</font></li></ul><br></div><div class="plain"><font style="" class="plainlarge">If you believe you have been misled, contact the Competition Bureau and file a complaint by phone at 1-800-348-5358 or <a link="" rel="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/frm-eng/GH%C3%89T-7TDNA5" class="plainlarge">online</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><b>Related products</b></font><ul><li class="plain"><font style="" class="plainlarge"><a link="" rel="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/00522.html" class="plainlarge">Price-related representations</a></font></li><li class="plain"><font style="" class="plainlarge"><a link="" rel="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/03798.html" class="plainlarge">Bait and switch</a></font></li><li class="plain"><font style="" class="plainlarge"><a link="" rel="" target="_blank" href="https://www.canada.ca/en/competition-bureau/news/2018/03/online-shopping-scams-handle-with-care.html" class="plainlarge">Online shopping scams: handle with care</a></font></li><li class="plain"><font style="" class="plainlarge"><a link="" rel="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/h_04118.html" class="plainlarge">Consumer and Business Alerts</a></font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Learn more about <a rel="" link="" target="_blank" href="http://fcnb.ca/how-to-report-fraud.html" class="plainlarge">how to report fraud</a> and <a rel="" link="" target="_blank" href="http://fcnb.ca/where-to-report-fraud.html" class="plainlarge">where to report fraud</a>.</font><font style="" class="plainlarge"><br>Sign up to receive <a rel="" link="" target="_blank" href="http://fcnb.ca/subscribe.html" class="plainlarge">fraud alerts</a> delivered to your email.</font></div><div style="" class="plain"><font style="" class="plainlarge"><br></font></div><div style="" class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2018-11-22T05:30:24-08:00 Bargain hunting season could turn into a wild goose chase FRAUD ALERT – Ambulance Emergency Scam http://fcnb.ca/pc_url_38704966 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/3d4/1d8/0a4/Ambulance-Emergency-Scam.jpg' style="margin: 15px 15px 15px 0px;float: left" height="163" size="250" border="0" daid="17885315">FRAUD ALERT – Ambulance Emergency Scam</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">A new twist on the emergency scam is targeting New Brunswickers.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">FCNB has received reports of a scam artist calling New Brunswickers pretending to be an employee of an ambulance service. In one case, they reported being from “Ambulance Saint John.” In another case, they pretended they were calling from an ambulance service in Maine.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">The scammer claims that a relative has been injured in an accident and money is needed to cover the relative’s medical bills. They say the money needs to be sent immediately so treatment can continue.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>How to recognize the Ambulance Emergency Scam: </b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">This scam is a variation of the Emergency Scam (sometimes referred to as the Grandparents Scam). This scam has been around for years and typically involves a grandparent receiving a call from a con-artist claiming to be one of his or her grandchildren. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">The caller goes on to say they are in some kind of trouble and need money immediately. Wanting to help their grandchild, the victim sends money by money transfer. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">In this latest scam, the scammer pretending to be from an ambulance service may ask questions to get you to reveal personal information. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>What to do if you receive a phone call:</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plain"><font style="" class="plainlarge">Take time to verify the story. The scammer is counting on you to respond quickly to the emergency situation. </font></li><li class="plain"><font style="" class="plainlarge">Hang up and call the person they claim has been injured, or a close family member of the person, to see if the story is true.</font></li><li class="plain"><font style="" class="plainlarge">Never send money to anyone you don’t know.</font></li><li class="plain"><font style="" class="plainlarge">Never give out any personal information to the caller.  </font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Where to report the scam:</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">Report the ambulance emergency scam to your local police or RCMP, or the <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/reportincident-signalerincident/index-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre</a>, either online or by its toll free number: 1-888-495-8501.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Learn more about <a rel="" link="" target="_blank" href="http://fcnb.ca/how-to-report-fraud.html" class="plainlarge">how to report fraud</a> and <a rel="" link="" target="_blank" href="http://fcnb.ca/where-to-report-fraud.html" class="plainlarge">where to report fraud</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Sign up to receive <a rel="" link="" target="_blank" href="http://fcnb.ca/subscribe.html" class="plainlarge">fraud alerts</a> delivered to your email.</font></div><div class="plain"><br></div><div class="plain"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></div><p class="plain"></p> FCNB 2018-10-23T09:35:11-07:00 FRAUD ALERT – Ambulance Emergency Scam FRAUD ALERT: Email iTunes Gift Card Scam http://fcnb.ca/pc_url_38681000 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/302/306/34b/iTunes-gift-card-scam.jpg' style="margin: 15px 15px 15px 0px;float: left" height="287" size="250" border="0" daid="17877108">FRAUD ALERT: Email iTunes Gift Card Scam</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">A Fredericton woman was recently the target of an email scam that preys on the generosity of her friends and contacts.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Hackers took control of her email account and sent everyone in her contacts an email asking for a favour. The email went something like this:</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">“I need a favour from you. I need to get iTunes gift cards for my niece. It’s her birthday, but I’m currently traveling. Can you pick them up from a store around you? I’ll pay you back as soon as I am back.”</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Friends who responded to the email request were told to purchase $200 worth of iTunes gift cards, scratch the back of the cards to reveal the PIN numbers, take a photo of the PINS and send the photo back.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">This scam is also called confidence fraud. The scam artists pretend they are somebody you know and care about and play on your desire to help your friend. Once the scammers get the iTunes gift cards pictures, they cash in by selling the codes for a fraction of the retail price.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Some of the woman’s friends realized it was a scam and alerted her about the hack.  Because the hackers had rerouted replies to the fake email, she had no way of knowing what had happened.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight">How to recognize this type of scam:</font></div><div class="plain"><b><br></b><ul><li class="plain"><font style="" class="plainlarge">The email may be poorly written and contain grammatical mistakes.</font></li><li class="plain"><font style="" class="plainlarge">You are asked to reveal the PIN codes, take a photo of them and send them in an email. </font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight">What to do if you receive an email like this:</font></div><div class="plain"><b><br></b><ul><li class="plain"><font style="" class="plainlarge">Ignore it and delete it.</font></li><li class="plain"><font style="" class="plainlarge">Advise your friend their email has been hacked by calling them. Your friend may not have access to their hacked email account.</font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight">What to do if your email has been hacked:</font></div><div class="plain"><b><br></b><ul><li class="plain"><font style="" class="plainlarge">Contact your email service provider to report the hack. They will help you through the steps to take back your email account from the hackers.</font></li><li class="plain"><font style="" class="plainlarge">Change your email password and your security questions. </font></li><li class="plain"><font style="" class="plainlarge">Notify everyone on your contact list. Tell them to watch for any suspicious emails from you. </font></li><li class="plain"><font style="" class="plainlarge">Scan your computer with an updated anti-virus program. </font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight">Where to report:</font></div><div class="plain"><b><br></b><ul><li class="plainlarge">Report this scam to your local police, the RCMP or the <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre.</a></li><li class="plain"><font style="" class="plainlarge">Share details of the scam with your friends and relatives. </font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Learn more about <a rel="" link="" target="_blank" href="http://fcnb.ca/how-to-report-fraud.html" class="plainlarge">how and where to report fraud</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Sign up to receive <a rel="" link="" target="_blank" href="http://fcnb.ca/fraud-alerts.html" class="plainlarge">fraud alerts</a> delivered to your inbox.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font><br></div><p class="plain"></p> FCNB 2018-10-10T07:00:09-07:00 FRAUD ALERT: Email iTunes Gift Card Scam FRAUD ALERT: Advance loan scam http://fcnb.ca/pc_url_38680379 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" daid="17876782" src='//0104.nccdn.net/1_5/2eb/0c8/27d/Advance-loan-scam.jpg' style="margin: 15px 15px 15px 0px;float: left" border="0" size="250">FRAUD ALERT: Advance loan scam </font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Online lenders are targeting New Brunswickers to offer them fraudulent loans, FCNB warns. </font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">While many online lending options may be legitimate, there is also a rise of scam artists offering fake loans to unsuspecting consumers.  </font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><b>How the Advance Loan Scam Works:</b> </div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">A consumer applies for a loan and it seems to be approved or guaranteed.  However, when the consumer contacts the company to receive the funds, the company requests a fee (such as a deposit or loan insurance) before the funds will be transferred.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Once the scam artist receives the payment from the consumer, they disappear.  Their contact lines are disconnected or they simply ignore consumer inquiries.  Often the website is shut down only to reappear under a different name so the scammer can continue to target unsuspecting consumers and avoid being pursued by law enforcement.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Victims of the advance loan scam report that the websites appear legitimate. For example, they may display a licensing number, a tax number, or incorporate digital signature technology on their platform to give it the semblance of being real. </font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">In these situations, the names of the company targeting consumers may change but the scam remains relatively similar. It’s important to know the red flags of this scam.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="customtext2"><b>How to recognize a loan scam:</b></font></div><div class="plain"><ul><li class="plain"><font style="" class="plainlarge">You’re asked for a fee or deposit before receiving the funds.  In Canada, it’s illegal for lenders to request a deposit before the loan is given. If a lender asks for advance funds to “secure” or “confirm” a loan, it’s a scam. </font></li><li class="plain"><font style="" class="plainlarge">You’re contacted out of the blue by phone or internet.  Unsolicited loan offers may be legitimate, but proceed with caution.</font></li><li class="plain"><font style="" class="plainlarge">You are guaranteed a loan or interest rate regardless of your credit history. Legitimate lenders use your credit history to determine if they will lend you money, and at what rate.  </font></li><li class="plain"><font style="" class="plainlarge">You’re asked to send payments using gift cards such as iTunes, or wire transfer service such as Western Union.</font></li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="customtext2"><b>What to do if I suspect a loan is a scam:</b></font></div><div class="plain"><ul><li class="plain"><font style="" class="plainlarge">Do your research. Scammers use names that sound like legitimate company names, to try and trick you into feeling safe.  If you’re unsure, do an internet search for the company name followed by the word scam. If you see many results attesting it’s a scam, tread very carefully. </font></li><li class="plain"><font style="" class="plainlarge">Often, fraudulent sites will display a page about their “board of directors”, but steal the pictures of the board members from other, legitimate websites. A reverse image search can help you determine if their board members are really who they claim. </font></li><li class="plain"><font style="" class="plainlarge">Verify the company exists.  Get a physical address that you can verify or get the company’s contact information from directory assistance or the phone book. </font></li><li class="plain"><font style="" class="plainlarge">Be cautious of lenders that are based outside of Canada, because if it is a scam, it will be particularly tough to get your money back.</font></li><li class="plain"><font style="" class="plainlarge">Be careful where you share your personal information.  If you do not trust the website or company and if you can’t verify that it is legitimate, do not share sensitive information. </font></li><li class="plain"><font style="" class="plainlarge">Even if documents appear legit, tread carefully because it’s easy to fake “official” looking paperwork.</font></li><li class="plain"><font style="" class="plainlarge">Remember, just because they advertise through a recognized media outlet such as Facebook, does not mean the company is legitimate.</font></li><li class="plain"><font style="" class="plainlarge">Report it with the RCMP. They may already know about this and tell you whether a company is fraudulent or not.</font></li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="customtext2"><b>Where to report loan scams:</b></font></div><div class="plain">Report online loan scams to the RCMP.  </div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Being informed is the best way to protect yourself from frauds and scams. Learn more about <a link="" rel="" target="_blank" href="http://fcnb.ca/how-to-report-fraud.html" class="plainlarge">how to report fraud</a> and <a link="" rel="" target="_blank" href="http://fcnb.ca/where-to-report-fraud.html" class="plainlarge">where to report fraud</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Sign up to receive <a link="" rel="" target="_blank" href="http://fcnb.ca/subscribe.html" class="plainlarge">fraud alerts</a> delivered to your inbox.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><div class="plain"><br></div><p class="plain"></p> FCNB 2018-10-09T11:36:53-07:00 FRAUD ALERT: Advance loan scam Financial Crime Trend Bulletin: Identity Theft vs Identity Fraud http://fcnb.ca/pc_url_38653824 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><img width="250" align="left" src='//0104.nccdn.net/1_5/08d/248/0e3/Identity-Theft-and-Identity-Fraud.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="17863859"><font style="" class="heading1">CAFC Bulletin: Identity Theft vs Identity Fraud</font><font style="" class="plainlarge"> </font></div><div class="plain"><font style="" class="plainlarge"><i><br></i></font></div><div class="plain"><font style="" class="plainlarge"><i>Identity Theft</i> refers to the collection or acquisition of someone else’s personal information to conduct other criminal activities. Identity Theft can occur through the telephone, email, regular mail or the internet.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><i>Identity Fraud</i> is the actual use of another person’s information, living or deceased, in connection with fraud. This includes impersonation and the misuse of debit or credit card data.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Fraudsters use a range of techniques to acquire a consumer’s identity. It can be as simple as obtaining personal information through a dumpster dive, direct call or through sophisticated means using technology such as phishing, skimming, malware, spyware and viruses.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">While consumers may not suffer immediate financial losses, they can spend hours alerting financial institutions and the credit bureaus. In addition, they may have difficulty obtaining credit or re‐establishing a good credit rating in the future.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight">Warning Signs – How to Protect Yourself</font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plain"><font style="" class="plainlarge">Be wary of unsolicited emails, phone calls or mail asking for personal or financial information.</font></li><li class="plain"><font style="" class="plainlarge">Be aware of creditors or collection agency calls about an application or account you do not have.</font></li><li class="plain"><font style="" class="plainlarge">Stay current. Check your bank and credit card statements monthly and report any suspicious activity. Report any missing mail or statements right away.</font></li><li class="plain"><font style="" class="plainlarge">Beware of unsolicited emails or text messages stating you have a refund and asking to enter your personal or financial information to deposit the money.</font></li><li class="plain"><font style="" class="plainlarge">Properly dispose all personal and financial documents (i.e. shredding).</font></li><li class="plain"><font style="" class="plainlarge">Obtain a free credit report (available once a year) through the two credit bureaus, Equifax and TransUnion.</font></li><li class="plain"><font style="" class="plainlarge">Beware of unsolicited emails or text messages demanding payment.</font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti‐Fraud Centre at 1‐888‐495‐8501 or report online at <a rel="" link="" target="_blank" href="http://www.antifraudcentre.ca/" class="plainlarge">www.antifraudcentre.ca</a><font style="" class="plain"> .</font></font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font><br></div><p class="plain"></p> FCNB 2018-09-17T10:00:05-07:00 Financial Crime Trend Bulletin: Identity Theft vs Identity Fraud FRAUD ALERT - Rental Scam http://fcnb.ca/pc_url_38646399 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/06c/235/121/Rental-Scam-EN.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="17859014">Rental scam: no room for error </font><br><br></div><div class="plain">August 16, 2018 – OTTAWA, ON – Competition Bureau<font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">It’s peak moving season. Students are leaving the nest; parents are helping them find the right place. Beware: if a rental listing looks too good to be true, it probably is. School might not have started yet, but do your homework and learn to recognize rental scams.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">In a typical rental scam, fraudsters will entice you with a very attractive listing: sought after area, great amenities and low price. Ads will be posted on popular sites like Kijiji or Facebook. Scammers may use photos from an old listing, from a house that’s up for sale, or from short-term rental sites like Airbnb, to make it look authentic. They pose as the landlord and may claim to be abroad and unable to meet in person to show you inside the place.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">After a few emails or text messages, they will start asking for money. First, they’ll try to get a security deposit, then, they’ll ask for the first month’s rent, and then another month’s rent in exchange for a discount. They can even try to rush you into a decision by saying that others are also interested in the property. Don’t give in. It could be a scam.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Here are some warning signs to look out for when shopping for a rental:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plain"><font style="" class="plainlarge">the monthly rent is lower than other similar places</font></li><li class="plain"><font style="" class="plainlarge">you're asked to leave a deposit without any formal rental agreement or lease in place</font></li><li class="plain"><font style="" class="plainlarge">you're asked to send money to someone outside the country</font></li><li class="plain"><font style="" class="plainlarge">when you ask about the apartment, you get an email that sends you to a website asking for personal or financial information</font></li><li class="plain"><font style="" class="plainlarge">ads show pictures of the outside of the property only, or pictures that don't match the actual property or address</font></li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Here’s what you can do to avoid being scammed:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plain"><font style="" class="plainlarge">Go to the address, make sure the listing is truthful and accurate. If you are unable to go in person, use the Internet to see actual images of the rental.</font></li><li class="plain"><font style="" class="plainlarge">Research the address to ensure it is not a duplicate post. You may even conduct a <a rel="" link="" target="_blank" href="https://support.google.com/websearch/answer/1325808?hl=en" class="plainlarge">reverse image</a> search to see if the photos were used elsewhere.</font></li><li class="plain"><font style="" class="plainlarge">Schedule a showing and confirm that the landlord will be present.</font></li><li class="plain"><font style="" class="plainlarge">If you plan on renting in a new development, contact the builder to confirm ownership.</font></li><li class="plain"><font style="" class="plainlarge">Request a lease or contract. Review it thoroughly.</font></li><li class="plainlarge">Be sure to know your rights as a tenant. Consult <a rel="" link="" target="_blank" href="http://www.consumerhandbook.ca/en/topics/housing/landlord-and-tenant-problems#related" class="plainlarge">your provincial or territorial department or ministry of housing.</a></li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you’ve been the victim of a rental scam or another type of fraud, or if you have information about this type of scam, report it to the <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/reportincident-signalerincident/index-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre</a> (1-888-495-8501), the <a rel="" link="" target="_blank" href="http://www.rcmp-grc.gc.ca/scams-fraudes/index-eng.htm" class="plainlarge">RCMP</a> or your local police.</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">This consumer alert was created in collaboration with the <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre</a> and the <a rel="" link="" target="_blank" href="https://www.canada.ca/en/financial-consumer-agency.html" class="plainlarge">Financial Consumer Agency of Canada</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2018-08-20T11:00:56-07:00 FRAUD ALERT - Rental Scam FRAUD ALERT: Extortion Scam (A new twist) http://fcnb.ca/pc_url_38646424 <p class="plain"></p><div class="plain"><font style="" class="heading1"><img width="250" align="left" daid="17859041" src='//0104.nccdn.net/1_5/2d0/3d9/1e3/Extortion-Scam-EN.jpg' style="margin: 15px 15px 15px 0px;float: left" border="0" size="250">FRAUD ALERT: Extortion Scam (A new twist)</font></div><div class="plain"><br></div><div class="plain">New Brunswickers are being targeted with extortion scam emails with a new twist – one aimed at making it more likely they will be scared into paying a blackmail fee. </div><div class="plain"><br></div><div class="plain">Extortion scams refer to any person who unlawfully tries to obtain money, property or services from a person, entity or institution through coercion. </div><div class="plain"><br></div><div class="plain">In this latest version,  the victim receives an email suggesting they have been recorded through their webcam while they watched adult websites. The scam artist demands a ransom to be paid in Bitcoin within a certain time period, with the threat to circulate the recording to the victim’s social media and email contacts if payment is not made. The new twist to this old scam is that the email references a real password that the victim may have used in the past, which gives it the appearance of legitimacy.</div><div class="plain"><br></div><div class="plain"><font style="" class="highlight">How to recognize this type of Scam</font></div><div class="plain"><br></div><div class="plain"><font style="" class="highlight">The email may:</font></div><div class="plain"><ul><li class="plain">begin with: “I’m aware that <password formerly used by victim> is your password.” The scammer has likely harvested emails and previously used passwords from the dark web, or has gained access to a list of compromised passwords from a data breach.</li><li class="plain">try to convince the victim not to report the email to police or to tell anyone why they are purchasing Bitcoin.</li><li class="plain">be poorly written and contain grammatical mistakes.</li></ul></div><div class="plain"><br></div><div class="plain"><font style="" class="highlight">What to do if you receive an email like this:</font></div><div class="plain"><br></div><div class="plain"><ul><li class="plain">If you receive a similar email, ignore it and don’t reply to it. Stay calm, don’t panic and do report it.</li><li class="plain">Do not click any links or open any attachments to the email.  They would likely install malware or ransomware on your device.</li><li class="plain">If you are still using the password referenced in the email, change it.</li></ul></div><div class="plain"><br></div><div class="plain"><font style="" class="highlight">Tips to protect yourself online:</font></div><div class="plain"><br></div><div class="plain"><ul><li class="plain">Disable your webcam or any other camera connected to the Internet when you are not using it. Hackers are able to obtain remote access and record if certain malware has been installed on your computer.</li><li class="plain">Use a reliable antivirus program.</li><li class="plain">Use strong and unique passwords. Check out this <a link="" rel="" target="_blank" href="http://fcnb.ca/cybersecurity.html?fb_38110945_anch=38125055" class="plain">cybersecurity tip</a> for good password management.</li></ul></div><div class="plain"><br></div><div class="plain"><font style="" class="highlight">Where to report :</font></div><div class="plain"><br></div><div class="plain"><ul><li class="plain">Report this scam to your local police, the RCMP or the <a link="" rel="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plain">Canadian Anti-Fraud Centre</a>. </li><li class="plain">Share details of the scam with your friends and relatives. Every paid ransom is feeding another similar attack on other people, and the next victim could be someone you love. </li></ul></div><div class="plain"><br></div><div class="plain">Learn more about <a link="" rel="" target="_blank" href="http://fcnb.ca/how-to-report-fraud.html" class="plain">how to report fraud</a> and <a link="" rel="" target="_blank" href="http://fcnb.ca/where-to-report-fraud.html" class="plain">where to report fraud</a>.</div><div class="plain"><br></div><div class="plain">Sign up to receive <a link="" rel="" target="_blank" href="http://fcnb.ca/fraud-alerts.html" class="plain">fraud alerts</a> delivered to your inbox.</div><div class="plain"><br></div><p class="plain"></p> FCNB 2018-07-24T12:28:44-07:00 FRAUD ALERT: Extortion Scam (A new twist) FRAUD ALERT: Cavendish Beach Music Festival Ticket Scam http://fcnb.ca/pc_url_38646416 <p class="plain"><font style="" class="heading1"><br></font></p><p class="plain"><font style="" class="heading1"><img width="250" align="left" daid="17859033" src='//0104.nccdn.net/1_5/06c/235/121/Cavendish-Beach-Music-Festival-Ticket-Scam-EN.jpg' style="margin: 15px 15px 15px 0px;float: left" border="0" size="250">FRAUD ALERT: Cavendish Beach Music Festival Ticket Scam</font></p><p class="plain"><font style="" class="plainlarge"><br></font></p> <p class="plain"><font style="" class="customtext2">Beware of scammers selling duplicate tickets on online classified sites</font></p><p class="plain"><font style="" class="plainlarge"><br></font></p><p class="plain"><font style="" class="highlight">Deals can be steals in disguise</font></p><p class="plain"><font style="" class="plainlarge"><br></font></p><p class="plain"><font style="" class="plainlarge">RCMP are warning people to be cautious about buying tickets to the Cavendish Beach Music Festival posted for sale on classified websites, such as Kijiji. The Mounties are investigating a case of fraud in P.E.I. involving tickets being resold online to this year’s annual festival. Another scam involves fraudsters selling campground sites that don’t exist. </font></p><p class="plain"><font style="" class="plainlarge"> </font> </p><p class="plain"><font style="" class="highlight">How this scam works</font></p><p class="plain"><font style="" class="plainlarge"><br></font></p><p class="plain"><font style="" class="plainlarge">A private, online seller posts an ad for tickets to the popular summer festival or a booked campsite at a reduced cost or best offer. Money is exchanged and the tickets are sent to the buyer electronically. However, the seller is selling the same electronic ticket multiple times. In the P.E.I. case, the tickets were never sent.  In the campsite scam, the money is transferred, but the campsite booking is fake.</font></p><p class="plain"><font style="" class="plainlarge"> </font> </p><p class="plain"><font style="" class="highlight">How you should protect yourself?</font></p><p class="plain"><font style="" class="plainlarge"><br></font></p><p class="plain"><font style="" class="plainlarge"> </font></p><p class="plain"><font style="" class="plainlarge">The best way to avoid these scams is to be aware of them in the first place. The RCMP also recommend asking for a copy of the seller’s identification should the tickets prove to be duplicates or having the seller transfer the tickets into the buyer’s name.</font></p> FCNB 2018-07-04T07:00:07-07:00 FRAUD ALERT: Cavendish Beach Music Festival Ticket Scam Becoming your own boss: yes, but not at any cost http://fcnb.ca/pc_url_38646418 <p class="plain"></p><div class="plain"><font style="" class="heading1"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" daid="17859035" src='//0104.nccdn.net/1_5/06c/235/121/Pyramid-Scheme-EN.jpg' style="margin: 15px 15px 15px 0px;float: left" border="0" size="250">Becoming your own boss: yes, but not at any cost</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="customtext2">The difference between an illegal pyramid scheme and a legitimate multi-level marketing plan</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">June 27, 2018 – OTTAWA, ON – Competition Bureau</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Do you dream of being your own boss and setting your own hours? Are you trying to find the perfect side-gig that will increase your bank balance? A multi-level marketing plan is one option that you may come across. Contrary to popular belief, they are not the same as pyramid schemes. While the first is completely legal, the second is not.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">If you join a multi-level marketing plan, you essentially become a salesperson of goods such as jewellery, health supplements or beauty products. At the same time, you can recruit others to expand the network. As your business grows, you get opportunities to earn more and more money. All along, the focus is on earning money by selling your products.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Pyramid schemes look a lot like their legal cousin but traditionally focus on generating profits by recruiting others.  Often, you are encouraged to pay large membership fees upfront to join. The only way for you to make any money is to convince more people to join the scam and give up their hard-earned money. People are often persuaded to join by family members or friends.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="highlight">Before signing up:</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><ul><li class="plain"><font style="" class="plainlarge">Research the business: check different websites, consult many reviews. If something seems fishy, walk away.</font></li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><ul><li class="plain"><font style="" class="plainlarge">Beware of multi-level marketing plans that promote huge profits using only their highest earners as examples.</font></li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><ul><li class="plain"><font style="" class="plainlarge">Know that they must disclose the compensation actually received or likely to be received by a typical participant.</font></li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><ul><li class="plain"><font style="" class="plainlarge">Watch out for plans that:</font></li></ul></div><div class="plain"><ul><ul><ul><li class="plain"><font style="" class="plainlarge">have compensation plans focused on recruiting new members.</font></li><li class="plain"><font style="" class="plainlarge">don't include a reasonable buy-back guarantee or refund policy, allowing you to send back your extra products at the end of your career. If they don’t provide it proactively, ask to see it. Plan operators have to tell you about it.</font></li><li class="plain"><font style="" class="plainlarge">force you into buying excessive quantities of products.</font></li></ul></ul></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><ul><li class="plain"><font style="" class="plainlarge">Don’t be fooled by “get rich quick” promises. These plans often end-up requiring just as much work as any other job.</font></li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Promises of financial freedom with minimal effort are always enticing. But success stems from hard work, determination and doing your research. Before you sign up, be sure the opportunity is right for you. Avoid plans that don't provide all the details or could be pyramid schemes.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">If you have information about an illegal pyramid scheme or any other type of fraud, report it to the <a link="" rel="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/h_04118.html" class="plainlarge">Competition Bureau</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><b>Associated links</b></font></div><div class="plain"><a link="" rel="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/03799.html" class="plainlarge">Multi-level Marketing Plans and Schemes of Pyramid Selling</a></div><div class="plain"><font style="" class="plainlarge"><a link="" rel="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/03074.html#s3_0" class="plainlarge">Pyramid schemes</a></font></div><div class="plain"><font style="" class="plainlarge"><a link="" rel="" target="_blank" href="http://bc.rcmp-grc.gc.ca/ViewPage.action?siteNodeId=2081&languageId=1&contentId=54678" class="plainlarge">Help Stop the ‘Gifting’ Pyramid Scheme (by the RCMP)</a></font></div><div class="plain"><font style="" class="plainlarge"><a link="" rel="" target="_blank" href="http://nvan.rcmp-grc.gc.ca/ViewPage.action?siteNodeId=2120&languageId=1&contentId=55352" class="plainlarge">Reminder: A gift is only a gift when there is no expectation of any return (by the RCMP)</a></font></div><div class="plain"><font style="" class="plainlarge"><a link="" rel="" target="_blank" href="http://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/h_04118.html" class="plainlarge">Consumer and business alerts</a></font></div><p class="plain"></p> FCNB 2018-06-29T08:26:48-07:00 Becoming your own boss: yes, but not at any cost