Common Scams
July 30, 2024
Romance. Grandparents. Sweepstakes. Gift Cards. What do all these things have in common? They are frequently used to scam people out of their hard-earned money.
Below you will find some examples of common or popular scams to be on the look out for so you can protect yourself and your money.
- Government impersonation: government impersonation scammers pretend to call you from a government agency, like the FBI, Social Security Administration or IRS. They say something bad will happen—you’ll go to jail, for example—if you don’t pay.
- Romance/confidence: Often posing as military or a trades person working overseas to avoid meeting face-to-face, these scammers develop fake online personas to gain the trust and affection of their victims before asking for money for emergencies.
- Grandparent: a grandparent scam involves the scammer impersonating a loved one who is in trouble and needs money. These scams have become even more convincing in recent years due to artificial intelligence that can mimic anyone’s voice.
- Lottery/sweepstakes/inheritance: The victim is told they’ve won a prize or inherited a large sum of money, which they can only access if they pay taxes and fees upfront, or if they give up their identity and bank account information for direct deposit.
- Investment: Victims are asked to tap retirement accounts, home equity or credit cards, and put their money into low-risk investments with guaranteed returns. Investment scams often take the form of pyramid schemes, market manipulation or real estate investing. More recently, criminals have been using cryptocurrency for their investment scams, asking victims to purchase crypto, like Bitcoin or Ethereum, and transfer it to their digital wallet.
- Non-delivery: Fake advertisements entice people to order and pay for items online. They either never receive the order or get something completely different from what was advertised.
- Gift cards: Posing as a business or government agency, the scammer will request payment in gift cards, telling their victim to send them the numbers on the back of the cards. The scammer convinces the consumers to go to a nearby store (e.g., Walmart, Target, Walgreens, or CVS) to purchase a gift card. he scammer then directs the consumer to scratch off the security film on the back of the gift card and read out the numbers to the scammer. The scammer can then remotely access and retrieve the gift card’s value or, more commonly, the gift card information will, be sold and resold on a secondary market.
Often predators also target people who are seeking relief from financial stress. Below are a few common scams targeting people already experiencing financial strain.
Protect yourself before you’ve been scammed
Identity Theft Freeze Law
- This law allows anyone to contact the credit bureaus (Equifax, Experian, and TransUnion) and request a credit freeze…it’s FREE
- The freeze must be placed within 3 days after the request and within 10 days you will be provided a unique PIN
- You can temporarily life or “thaw’ your report for a specify amount of time
- We recommend this be done for anyone under the age of 18 or any senior citizen that has no need to open new credit
https://www.ag.state.mn.us/Consumer/Publications/CreditFreezesFraudAlerts.asp
Our Recent News
At Catholic Charities Emergency Services, we see countless acts of kindness every day, but a recent donation from a remarkable young man left a special mark on our hearts. On a chilly Friday afternoon, Bryce, a 17-year-old student at Albany High School, donated an impressive 860 pounds of squash. This generous gift highlights the power of community support, proving that even in challenging times, there is always hope. Bryce has grown his own pumpkins, squash, and gourds under the name Bryce Pumpkin’s, which has become known for fresh, locally grown produce. His efforts extend beyond growing, as he sells his harvest at farmers markets and even had a booth at the Made in Minnesota Expo in November, supporting local businesses and sustainable farming. What makes his story even more inspiring is how Bryce uses his success to give back. His donation will directly help families in need through our food shelf, which serves St. Cloud and surrounding areas. Bryce’s squash donation will be a vital part of our monthly food distribution, helping to provide nutritious meals to hundreds of families in our community. His gesture demonstrates not only a heart full of compassion but also the interconnectedness of local farmers, businesses, and families. When young people like Bryce step up, it’s a reminder that the future is well cared for. Bryce’s story proves that even small acts of kindness can grow into something truly transformative. Through donations like Bryce’s, we are able to provide food to those who need it most, including seniors on fixed incomes and single parents working multiple jobs. The connection between local farmers and organizations like Catholic Charities sustains our community and fosters hope for those struggling. Looking ahead to the upcoming growing season, we’re excited to see what other generous community members, like Bryce, will share. His efforts remind us that every small contribution adds up to something much bigger, and it’s not just about the food—we’re also strengthening our community and inspiring hope for all.
PACK THE PORCHES FOOD AND FUND DRIVE RECEIVED OVER 6,000 POUNDS OF FOOD AND MORE THAN $21,000
On Tuesday, January 28th, a group of students from Trex North School visited Pond View Estates in Albany, organized by Sandy Baldwin, group leader, and in collaboration with Catholic Charities in St. Cloud. Julie Ueland, the student advisor, helped oversee the project to ensure everything went smoothly. Pond View Estates is a Senior Dining Congregate Kitchen, where seniors gather to enjoy meals and socialize, making it a perfect environment for these students to connect with the residents. When the students arrived, the residents were delighted by the youthful energy and enthusiasm they brought. The students quickly got to work helping the seniors create Valentine’s cards before lunch. The atmosphere was filled with creativity and laughter as everyone worked together to make colorful and thoughtful cards. Afterward, the group enjoyed lunch together, where the dining hall was full of lively conversation. The students interacted with the seniors, hearing their stories and building new connections. The visit bridged generations, fostering meaningful and joyful interactions. The highlight of the day was the bingo game that followed lunch, where excitement filled the room as the numbers were called. Friendly competition brought plenty of laughs, especially when someone was just one number away from winning, only for another participant to grab the prize first. The fun, camaraderie, and shared moments left everyone smiling. A few standout interactions included Joseph and Riley spending time with resident Victor Tschida, and Tianna sharing a special moment with resident Ken Bunger. These connections highlighted the deep impact of intergenerational friendships. For many of the residents, the visit from the students was an unexpected but cherished experience, reminding everyone of the importance of making time for one another. It was a beautiful day of fostering community, connection, and kindness. As the students prepared to leave, there was a sense of fulfillment in the air. Not only had the day brightened the seniors' lives, but it also left a lasting impression on the students, who gained a deeper understanding of the joy and fulfillment that comes from spending quality time with others. The day ended with smiles, hugs, and promises to return, a reminder of how powerful and meaningful human connection can be.
