Programming Chair Darryl
Downs introduced…
.TODAY’S PROGRAM....
Miguel Cervera, Investigator
Criminal Investigators Division
Community Outreach Division
305=547-0881
miguelcervera@miamiSOA.com
IDENTITY FRAUD
Speaking to
us also: Steve Machine, Support
Staff.
Mr. Cervera
has 23 years in law enforcement backing up todays advice to our
members.
DO NOT GIVE OUT YOUR:
~DOB
~Passport #,
~Names of
companies where you have credit,
~mother’s
maiden name,
~Driver’s
License #
Thieves…
1- use
your id to conceal a crime,
2- they
steal your purse / wallet to siphon money from your accounts.
3- take
your garbage can, remove the contents of homes and businesses. Sort
the information looking for personal info, credit card statements, bank
account numbers.
4- take
your mail from your own mailbox. The mail box’s red flag indicates
information that can be used against you.
5- transfer
your mail with the USPS to another address. If you don’t receive mail
for 4-5 days contact the USPS
6- send
you email and letters from Nigeria about a sweepstakes, you inherited money
in a company that’s been sold and you have stocks in that entity.
7- Troll
for your bank account number, routing number, signature, address so they can produce their own photocopied
versions of your checks with sophisticated photocopiers.
8- Crowd
you at the ATM – tell them to move away.
9- Look
for ways to invade your computer – turn it off when not in use to not be a
24-7 target.
10- Use
skimming devices when swiping your credit cards out of view.
11- Use
a card reader for those paying outside at a gas station or at ATM’s – used
by more sophisticated thieves. More prevalent at gas stations.
12- Lotto
scam targeting the elderly. They have a newspaper under their arm
with a lottery ticket. Can’t cash the ticket since “I’m an illegal
alien” The newspaper article is fake, the ticket is fake. The
person wants a few thousand dollars to buy the ticket.
TO DO:
1- Hang
up phone on telemarketers asking for personal info if you didn’t initiate
the call. Take the few minutes to telephone number of the company
yourself to verify.
2- Anything
kept in the home – secure all documents on your property.
3- Do
not carry more than 2 credit cards.
4- Do
not carry your social security card.
5- Take
a photocopy of all of your credit cards front and back
6- Take
a photocopy of your checks.
7- Order
checks and send them to the bank – not to your home. That small box
is a target of scammers.
8- Do
not open emails that you do not know where it originated from.
9- Spelling
must be correct when typing websites – spoof sites mirror the real
legitimate site that records your personal info.
10- When using a credit card, keep an eye if it leaves your view – there are
skimming devices that swipe the number between going to the register and
giving it back to you. They convert the number to a laptop to either
sell the info or use it to buy on the internet.
11- Monitor
your credit for triggering a notification to you when someone is checking your credit or opening
accounts. You are allowed to check your credit rating once per year
from each of the three credit bureaus.
12 - Call
the credit card company if you find any purchases that aren’t yours.
13- Contact
the credit card agencies if you get notification that you’ve been denied
credit and you haven’t applied for anything.
14- Check
credit card records every two-three days.
15- If
you are a target, you MUST file a police report. Keep a log with
dates, times, people you’ve spoken to – Federal Trade Commission needs to
be informed
When you contact one of the reporting companies either TransUnion, Equifax
and Experian they contact each other.
For one free
credit check per year, per company go to:
www.annualcreditreports.com
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