Showing posts with label phishing scams. Show all posts

Beware of Coronavirus (COVID-19) Phishing Scams

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Most of us have seen and read in the news about the Coronavirus outbreak, currently known as SARS-CoV-2 or Coronavirus Disease 2019 (COVID-19). We wanted to remind you that during media intense events like this, cyber attackers take advantage of this opportunity and attempt to scam you or launch phishing attacks that attempt to get you to click on malicious links or open infected email attachments. Here are some of the most common indicators that the phone call or email you received is most likely a scam or attack (additional information on identifying scam phone calls and emails may be found at the Federal Trade Commission Consumer Information website).
  • Any messages that communicates a tremendous sense of urgency. The bad guys are trying to rush you into making a mistake.
  • Any message that pressures you into bypassing or ignoring our security policies and procedures.
  • Any message that promotes miracle cures, such as vaccines or medicine that will protect you. If it sounds too good to be true, it probably is.
  • Be very suspicious of any phone call or message that pretends to be an official or government organization urging you to take immediate action. 

For the latest updates consider visiting the World Health Organization website on Health and Disease Control, the Center for Disease Control website, or our own CSUCI Coronavirus (COVID-19) Information website. Please keep in mind Coronavirus scams and attacks can happen at work or at home, via email, text messaging or even over the phone. Don’t fall victim to bad guys playing on your emotions. 

If you feel you have received a phishing attack at work, simply delete the message or if you have concerns report it to your information security team.

Information Resources: 

CSUCI Coronavirus (COVID-19) Information
California Department of Public Health
U.S. Center for Disease Control and Prevention
World Health Organization
CSU Chancellor’s Office
U.S. Department of State
Johns Hopkins Real Time Map
County of Ventura
VC Emergency
Ventura County Public Health
Santa Barbara County Public Health
Federal Trade Commission Consumer Information



Scammers create fake emergencies to get your money

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July 3, 2018
by Carol Kando-Pineda
Attorney, Division of Consumer and Business Education

“I lost my wallet and ID. I’m stranded — please wire money.”

“Your grandson is being held in jail. He needs bail money right away.”
Scammers try to trick you into thinking a loved one is in trouble. They call, text, email, or send messages on social media about a supposed emergency with a family member or friend. They ask you to send money immediately. To make their story seem real, they may claim to be an authority figure, like a lawyer or police officer; they may have or guess at facts about your loved one. These imposters may insist that you keep quiet about their demand for money to keep you from checking out their story and identifying them as imposters.But no matter how real or urgent this seems — it’s a scam.

If you get a call or message like this, what to do?
  • Check it out before you act. Look up that friend or family’s phone number yourself. Call them or another family member to see what’s happening. Even if the person who contacted you told you not to.
  • Don’t pay. Don’t wire money, send a check, overnight a money order, or pay with a gift card or cash reload card. Anyone who demands payment in these ways is always, always, always a scammer. These payment methods are like giving cash — and nearly untraceable, unless you act almost immediately.
  • If you sent money to a family emergency scammer, contact the company you used to send the money (wire transfer service, bank, gift card company, or cash reload card company) and tell them it was a fraudulent transaction. Ask to have the transaction reversed, if possible.
  • Report the message or call at FTC.gov/complaint.

Share this video to help servicemembers and their families avoid family imposter scams.


Additional information on Scam Alerts may be found at  https://www.consumer.ftc.gov/features/scam-alerts 

Equifax Breach Advisory

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Given the recent announcement regarding the data exposure at Equifax we wanted to share some good “cyber hygiene” and some resources with you. With 143 million U.S. consumers affected it’s a good chance many of us are impacted.

Equifax has said there is no evidence of unauthorized activity in their credit reporting data bases but that there was potentially unauthorized access to information it stored from mid-May to July of this year. That information included social security number (SSN), dates of birth (DOB), addresses and in some cases Driver’s License numbers. Also reported is that approximately 209,000 consumers credit card numbers were exposed as well as other “dispute documents” for 182,000 consumers.

What can you do?
  1. One of the first things typically suggested after a breach is to access credit reporting agencies and request your records to be sure there are no unauthorized accounts or charges. In this case you may want to consider the other agencies, Experian and TransUnion. Also check your online and credit card accounts for suspicious activity. You can check free credit reports from annualcreditreport.com. Check for any accounts or charges you don't recognize.
  2. Be extra wary of scam emails and links. Avoid clicking on links or downloading attachments from suspicious emails. Equifax will send paper mail to consumersbut hackers are sure to use this to conduct Phishing campaigns.
  3. Change your passwords, especially if you have/had an account with Equifax and use similar or the same password elsewhere.
  4. You can check at Equifax here to get information and to check and see if your records are impacted. You can also access your Equifax credit report here which is probably a good idea so you can compare with the ones you get from Experian and/or TransUnion.

1 Million GMail Users Impacted by Google Docs Phishing Attack

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Reported from ThreatPost May 4, 2017

Google said that up to 1 million Gmail users were victimized by yesterday’s Google Docs phishing scam that spread quickly for a short period of time.

In a statement, Google said that fewer than 0.1 percent of Gmail users were affected; as of last February, Google said it had one billion active Gmail users.

Google took measures to protect its users by disabling offending accounts, and removing phony pages and malicious applications involved in the attacks. Other security measures were pushed out in updates to Gmail, Safe Browsing and other in-house systems.

Additional information by ThreatPost can be found here or on CI's Information Security web site.


Is the IRS really calling/emailing/texting me?

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Just like clockwork it happens every year around April. No, I’m not talking about April Fool’s Day or the annual appearance of the Easter Bunny. I’m talking about IRS tax scams.

Every year during the months of February through April tax scammers focus their sights on us whether, at work or at home, and attempt to solicit us to offer up personally identifiable information (PII) such as social security numbers and/or birthdates, or attempt to convince us to send them money directly via credit card or wire transfer.

Some tax scams occur when fraudulent tax returns are filed in the target’s name while other variants occur when the malicious actors call the target and pretend to be Internal Revenue Service (IRS) agents. In addition, there are malicious actors who use the tax season to spread malware and phishing emails.

Of these various types of tax scams, in one type, a return is filed in the victim’s name include identity theft, identity fraud, and tax fraud. This scenario occurs when the malicious actor uses information about the tax filer such as their name, address, date of birth, and Social Security Number to file a false tax return as the target claiming as many deductions as they can to gain the largest refund amount.

In a second type of tax scam, the malicious actor contacts the target by phone and tries to convince the target to do something, such as immediately paying a fine or providing their financial information so a refund can be issued. In these instances, the malicious actor uses what they know about the victim, often information gained from a previously occurred data breach or social networking website, to convince the victim that the caller has access to the victim’s tax information. Frequently during these calls the caller will pretend to be an IRS agent.

In the third type of tax scam, malicious actors use tax related spam, phishing emails, and fraudulent websites to trick victims into providing login names, passwords, or additional information, which can be used in further fraud. Other emails or websites may download malware onto the victim’s computer.

Some things you should look out for:

  • Look for “spoofed” (copied) websites that look like the official website but are not. 
  • Don’t be fooled by unsolicited calls. The IRS will never contact you by phone, email, text or social media, and the IRS will never demand an immediate payment or require you to use a specific payment method such as pre-loaded debit or credit cards, or wire transfers. They will never claim anything is “urgent” or due immediately, nor will they request payment over the phone.
  • The IRS will not be hostile, insulting, or threatening, nor will they threaten to involve law enforcement in order to have you arrested or deported. 
  • Sometimes malicious actors change their Caller ID to say they are the IRS. If you’re not sure, ask for the agent’s name, hang up, and call the IRS (or your state tax agency) back using a phone number from their official website. 
Recommendations

If you believe you are the victim of identity theft or identity fraud, there are a couple of steps you should take:
  1. File a report with your local law enforcement agency. 
  2. File a report with the Federal Trade Commission (FTC) at www.identitytheft.gov. 
  3. File a report with the three major credit bureaus and request a “fraud alert” for your account (Equifax – www.equifax.com, Experian – www.experian.com, TransUnion – www.transunion.com).
If you receive any spam or a phishing email about your taxes, do not click on the links or open any attachments, instead forward the email to phishing@irs.gov. Other tax scams or frauds can be reported according to the directions on these pages referenced below:

References:

Cyber Essentials - I'm Hacked, Now What?

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Continuing our blog series targeted at protecting yourself against cyber threats, today's blog topic covers Cyber Bullying.


Today's guest blog contributor is Eric Varela. Eric is a student here at CSU Channel Islands majoring in Information Technology with a minor in Security Systems Engineering.

Define Hacked: No matter how securely you use technology in your day-to-day life, you may eventually be hacked or more commonly called “compromised.” In this blog, you will learn how to determine if your mobile device or computer has been hacked and, if so, what you can do in response. Bottom line, the quicker you detect something is wrong and the faster you respond, the more likely you can reduce the harm a cyber-attacker can cause.

Clues You Have Been Compromised: It can be difficult to determine if you have been compromised, as there is often no single way you can figure it out. On the other hand, hackers usually leave behind several clues, often called ‘indicators’. The closer your system matches any of these indicators, the more likely it has been compromised:

  • Your anti-virus program has flagged an alert that your system is infected, specifically if it says that it was unable to remove or quarantine the affected files.
  • Your web browser’s homepage has unexpectedly changed or your browser is taking you to websites that you did not want to go to.
  • There are new accounts on your computer or mobile device that you did not create, or new programs running that you did not download and install.
  • Your computer or applications are constantly crashing, there are icons for unknown apps on your mobile device, or strange windows keep popping up.
  • A program requests your authorization to make changes to your system, though you’re not installing or updating any of your applications.
  • Your password no longer works when you try to log into your system or an online account, even though you know your password is correct.
  • Your friends ask you why you are spamming them with emails that you know you never sent. 


How to Respond: If you believe your computer or mobile device has been compromised, the sooner you respond the better. Here are some steps you can take:

  • Anti-Virus: If your anti-virus software informs you of an infected file, you can follow the actions it recommends (delete, quarantine, etc.). (Note: Most anti-virus software will have links you can follow to learn more about the specific infection.)
  • Change your passwords: This includes not only changing the passwords on your computers and mobile devices, but for all of your online accounts. Be sure you do not use the compromised computer to change the passwords. Alternatively, use a different computer or device that you know is secure to change the passwords.
  • Rebuilding: If you are unable to fix the infection or you want to be absolutely sure your system is fixed, a more secure option is to rebuild (reformat) it. Follow your system manufacturer’s instructions. In most cases, this will mean using the built-in utilities to reinstall the operating system. (Tip: If these utilities are missing, corrupted, or infected, then contact your manufacturer for guidance or visit their website.)
  • Backups: The most important step you can take to protecting yourself is to prepare ahead of time with regular backups. (Tip: The more often you back up, the better. Often times, recovering your data from a backup is the only way you can recover from being hacked.)

Derived from sans.org

New PayPal phishing scam hooking victims

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With Phishing and Spearphishing on the rise people need to pay close attention to the email they receive.   The research firm AppRiver is reported a new PayPal phishing scam is making the rounds with this version using a phony security message to obtain personal identifiable information. 


Additional information about phishing can be found at here.

The full article may be found here at SC Magazine.

Avoiding Online Tax Scams

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It’s tax season again, which means it’s also time for tax scams. Some tax scams occur when fraudulent tax returns are filed in the victim’s name while other variants occur when the malicious actors call the victim and pretend to be Internal Revenue Service (IRS) agents. In addition, there are malicious actors who use the tax season to spread malware and phishing emails.

Tax scams where the malicious actor files the return in the victim’s name include both identity theft and identity fraud, as well as tax fraud. This scenario occurs when the malicious actor finds or receives information about the tax filer, including the filer’s name, address, date of birth, and Social Security Number. The malicious actor then uses this information to file a malicious tax return, citing as many deductions as possible, in order to create as large a tax return as possible.

The other variant of tax scams occur when the malicious actor contacts the victim and tries to convince the victim to do something, such as immediately paying a fine or providing their financial information so a refund can be issued. In these instances the malicious actor uses what they know about the victim, often information gained for a data breach or social networking website, to convince the victim that the caller has access to the victim’s tax information. Frequently during these calls the caller will pretend to be an IRS agent.

In the third type of tax scam, malicious actors use tax related spam, phishing emails, and fraudulent websites to trick victims into providing login names, passwords, or additional information, which can be used in further fraud. Other emails or websites may download malware onto the victim’s computer.


What to Watch Out For

  • Watch for “spoofed” websites that look like the official website but are not. 
  • Don’t be fooled by unsolicited calls. The IRS will never call to demand an immediate payment or require you to use a specific payment method such as pre-loaded debit or credit cards, or wire transfers. They will never claim anything is “urgent” or due immediately, nor will they request payment over the phone. 
  • The IRS will not be hostile, insulting, or threatening, nor will they threaten to involve law enforcement in order to have you arrested or deported. 
  • Sometimes malicious actors change their Caller ID to say they are the IRS. If you’re not sure, ask for the agent’s name, hang up, and call the IRS (or your state tax agency) back using a phone number from their official website. 


Recommendations

If you believe you are the victim of identity theft or identity fraud, there are a couple of steps you should take:

  1. File a report with your local law enforcement agency. 
  2. File a report with the Federal Trade Commission (FTC) at www.identitytheft.gov. 
  3. File a report with the three major credit bureaus and request a “fraud alert” for your account (Equifax – www.equifax.com, Experian – www.experian.com, TransUnion – www.transunion.com) 
If you receive spam or a phishing email about your taxes, do not click on the links or open any attachments, instead forward the email to phishing@irs.gov. Other tax scams or frauds can be reported according to the directions on this page: https://www.irs.gov/Individuals/How-Do-You-Report-Suspected-Tax-Fraud-Activity%3F.
 

Further Information



Protect Yourself Against Cyber Threats - Mobile Devices

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Continuing our blog series targeted at protecting yourself against cyber threats, today's blog topic covers Mobile Devices.

Today's guest blog contributor is Eric Varela. Eric is a student here at CSU Channel Islands majoring in Information Technology with a minor in Security Systems Engineering.


What is a “Mobile Device”? 

The term “Mobile Device” gets thrown around for anything from a smartphone to a tablet, and while that classification is true, mobile devices encompass items such as Laptops, Chromebooks, “smart watches” (Apple Watch), “smart appliances” (refrigerators, washing machines), and even “smart thermostats” (Nest). Thanks largely in part to technology that allows computer processors, graphics processing, and memory to be the size of a quarter, powerful computing capabilities can be found almost anywhere and in the most mundane of places.

Keep a Clean Mobile Machine: 
Mobile devices are computers at their core with software that needs to be kept up-to-date (just like your desktop PC). Security protections are built in and updated on a regular basis. (Tip: Take time to make sure all the mobile devices in your home have the latest protections).

Suspect Links and Texts: 
Be suspicious of unknown links or requests sent through email or text message. Do not click on unknown links or answer strange questions sent to your mobile device, regardless of who the sender appears to be, as some links are designed to gather your personal information.

Be Careful What You Download: 
Download only trusted applications from reputable sources or marketplaces, as some apps may install harmful code onto your device (malware).

  • Secure Your Phone: Use a strong passcode and lock your phone. 
  • Think Before you App: Review the privacy policy and understand what data (location, access to your social networks) the app can access on your device before you download. 

Protect Your Personal Information: 
Phones can contain tremendous amounts of personal information. Lost or stolen devices can be used to gather information about you, and potentially, others. Protect your phone like you would your computer. (Tip: Only give your mobile number out to people you know and trust and never give anyone else’s number out without their permission).

Connect with Care: 
Use common sense when you connect. If you’re online through an unsecured or unprotected network, be cautious about the sites you visit and the information you release.

  • Get Savvy about Wi-Fi Hotspots: Limit the type of business you conduct and adjust the security settings on your device to limit who can access your phone.
  • Protect your $: When banking or shopping, check to be sure the site is security enabled. (Tip: Look for web addresses with “https://” or “shttp://”, which means the site takes extra measures to help secure your information. 
  • When in Doubt, Don’t Respond: Fraudulent texting, calling and voicemails are on the rise. Just like email, requests for personal information or for immediate action are almost always a scam. 

Derived from NICCS and StaySafe Online

Protect Yourself Against Cyber Threats - Social Networks

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Continuing our blog series targeted at protecting yourself against cyber threats, today's blog topic covers Social Networks

 Today's guest blog contributor is Eric Varela. Eric is a student here at CSU Channel Islands majoring in Information Technology with a minor in Security Systems Engineering.

 Think before you post:  Limit the amount of personal information you post publicly. Do not post information that would make you vulnerable, such as your address or information about your schedule or routine.  If your friend posts information about you, make sure the information is something that you are comfortable sharing with strangers.

Once posted, always posted:  Protect your reputation on social networks.  What you post online stays online.  Think twice before posting pictures you wouldn't want your parents or future employers to see.  (Tip: Recent research found that 70% of job recruiters rejected candidates based on information they found online).

Get smart and use privacy settings:  Take advantage of privacy and security settings.  The more information you post, the easier it may be for a hacker or someone else to use that information to steal your identity, access your data, or commit crimes such as stalking.  Use site settings to limit the information you share with the general public.

Be honest if you're uncomfortable:  If a friend posts something about you that makes you uncomfortable or you think is inappropriate, let them know.  Likewise, stay open-minded if a friend approaches you because something you've posted makes him or her uncomfortable. (Tip: People have different tolerances for how much the world knows about them; respect those differences).

Know when to take action:  If someone is harassing or threatening you, remove them from your friends list, block them, and report them to the site administrator. (Tip: It may also be appropriate to report it to school officials who may have separate policies for dealing with activity involving students).

Derived from NICCS and StaySafe Online

Protect Yourself Against Cyber Threats - Setting up Proper Controls

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We are starting a new series of blogs targeted at protecting yourself against cyber threats.  This series will run over the next few months and cover varying subject matter related to cyber threat protection.

Today's guest blog contributor is Eric Varela. Eric is a student here at CSU Channel Islands majoring in Information Technology with a minor in Security Systems Engineering.

Connect securely wherever you are: Only connect to the Internet over secure, password-protected networks. Free public WI-FI, from popular patronage sites such as Starbucks, McDonalds, Subway, etc. - provide convenience over security. If you must use public WI-FI, use it for browsing purposes only and not for private transactions such as banking or emails.

Think before you click: Do not click on links or pop-ups, open attachments, or respond to emails from strangers. Even if an email message has a sender address of someone you know, be sure the email attachments or links were requested from the source. It is possible for sender addresses to be spoofed or taken over. When it doubt, throw it out. A link or attachment could contain malware, and a single click is all it takes to get infected.

Respond only to trusted messages: Do not respond to online requests for personal information such as your date of birth or your credit card numbers; most organizations-banks, universities, companies, etc.-do not ask for your personal information over the internet. (Tip: CSUCI will never ask for your password or login information via email.)

Use passwords properly: Select strong passwords, with a minimum of eight characters and a mix of upper and lowercase letters, numbers and symbols, and change them frequently. Password protect all devices that connect to the internet and user accounts.

You should also remember to:
  • Not share your password with others.
  • Make your password is unique to your life and not something that is easily guessed.
  • Have a different password for each online account.
  • Write down your password and store it in a safe place away from your computer.
  • Change your password several times a year. (Tip: At the beginning and end of each semester.) 


Stay aware: Routinely monitor bank and credit card accounts for unauthorized charges and unauthorized accounts that have been opened under your name. Annually, you are entitled to a free credit report by the three big credit reporting agencies by federal law. Take advantage of these free reports and stay current on your credit score and history.

Don't be a victim of identity tax theft! The IRS is helping to protect false tax claims.

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One of the hot identity theft scams is submission of false tax returns in order to receive unearned or earned refunds. The IRS has a process to try and detect these false returns. If they suspect a false return they will mail a letter to the address the taxpayer listed in their previous year return. The IRS letter directs the taxpayer to visit an IRS site to verify the tax return submitted. Legitimate letters should direct taxpayers to idverify.irs.gov. More details are contained in this link: http://www.irs.gov/uac/Newsroom/Taxpayers-Receiving-Identity-Verification-Letter-Should-Use-IDVerifyirsgov.

The IRS also has a great website page detailing active tax scams: http://www.irs.gov/uac/Tax-Scams-Consumer-Alerts.

If taxpayers suspect they are a victim of tax fraud/identity theft, they should contact the Treasury Inspector General for Tax Administration at 1-800-366-4484 or via the web at: http://www.treasury.gov/tigta/contact_report_scam.shtml

Taxpayers can forward scam emails to phishing@irs.gov.

Tax Identity Theft Awareness Week Begins Today!

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Two Ways Tax Scammers Might Target You


It’s that time of year — tax time. It’s also a great time to get up to speed on tax-related scams. Here are two ways tax scammers might target you:

Tax identity theft

This kind of identity theft happens when someone files a fake tax return using your personal information — like your Social Security number — to get a tax refund or a job. You find out about it when you get a letter from the IRS saying:

  • more than one tax return was filed in your name, or
  • IRS records show wages from an employer you don’t know
If you get a letter like this, contact the IRS Identity Protection Specialized Unit at 800-908-4490. You can find more about tax identity theft at ftc.gov/taxidtheft and irs.gov/identitytheft.

IRS imposter scams

This time scammers aren’t pretending to be you — they’re posing as the IRS. They call you up saying you owe taxes, and threaten to arrest you if you don’t pay right away. They might know all or part of your Social Security number, and they can rig caller ID to make it look like the call is coming from Washington, DC – when it could be coming from anywhere. Leaving you no time to think, they tell you to put the money on a prepaid debit card and tell them the card number right away.

The real IRS won’t ask you to pay with prepaid debit cards or wire transfers, and won’t ask for a credit card number over the phone. When the IRS contacts people about unpaid taxes, they usually do it by mail.

If you have a question about your taxes, call the IRS at 800-829-1040 or go to irs.gov. You can report IRS imposter scams to the Treasury Inspector General for Tax Administration (TIGTA) online or at 800-366-4484, and to the FTC at ftc.gov/complaint.

Social Engineering: The Basics

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What is social engineering?  What are some of the most common tactics used.  Here's a short guide on how you lessen your likelihood of becoming a social engineering statistic.

Can you spot the phishing scams and stay safe online this holiday season?

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For many people, the holidays means a dramatic spike in email traffic. There is more communication between family and friends, more solicitations from retailers pitching holiday bargains, and more online shopping confirmations and shipping notifications. It’s also a time of year when cyber-criminals try to take advantage of the overwhelming volume of email communications to catch unwitting victims off guard with phishing scams. Hopefully you would be able to spot a fake malicious email and avoid getting compromised, but don’t be too sure.  For additional information on how to stay safe please read on.



Don't be Duped by Internet Fraud

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We all get offers that seem too good to be true. Whether they come by email or appear on web sites, they are often clever schemes designed to dupe the gullible. Don't be tricked by Internet Fraud. For more information see http://www.lookstoogoodtobetrue.com.

Fake Dropbox login page nabs credentials, is hosted on Dropbox

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An email with the subject “important” tells recipients that they must sign into Dropbox in order to view a document too big to be sent via regular email, but clicking on the link included in the message brings people to a fake Dropbox login page that is actually hosted on Dropbox. 

Link to the rest of this SC Magazine article to find out more about this new scam.



Use a password in only one place.

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Reusing passwords or using the same password all over the place is like carrying one key that unlocks your house, your car, your office, your briefcase, and your safety deposit box. If you reuse passwords for more than one computer, account, website, or other secure system, keep in mind that all of those computers, accounts, websites and secure systems will be only as secure as the least secure system on which you have used that password. Don't enter your password on untrusted systems. One lost key could let a thief unlock all the doors. Remember: Change your passwords on a schedule to keep them fresh.

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Email phishing continues to increase and the attackers are constantly looking for better ways to trick you.  Phishers have their sites focused on PayPal now more than ever.  Read this SC Magazine article summarizing "The Internet Threats Trend Report April 2014" to learn more.

Computer Security and You.

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Scammers, hackers, and identity thieves are looking to steal your personal information – and your money. But there are steps you can take to protect yourself, like keeping your computer software up-to-date and giving out your personal information only when you have a good reason.


Visit our friends at OnGuardOnline.gov and see what you can do to better protect yourself and your personal information.