We offer both first mortgage refinancing and home equity loans with amortizations up to 30 years. Our closing costs are among the lowest in the industry. Just what you would expect from your credit union: All mortgage programs are not the same, and it’s important to understand the differences when you are shopping around. Whether you’re looking to refinance your first mortgage home loan, or looking to take out a second mortgage, Oshkosh Truck Credit Union has the terms, features and options designed to make getting a mortgage easier. Let us help you understand all the choices you have when it comes to a home mortgage.
4 Ways You’re Accidentally Committing Credit Card Fraud
After a rough divorce the year before, she was thrilled to meet a man who shared her religion, interests, and love of children and animals. Then one day Eric called in a panic, saying his passport had been stolen. Candace wired him the small sum without hesitation — but when he contacted her a few weeks later saying he needed a much bigger sum to pay legal bills, she realized she was being scammed.
BEWARE OF ROMANCE SCAMS. When Using Online Dating Sites These Are Signs of a Scam. 1. Asking you for financial information. Never give out your financial information to someone you’ve met on an online dating site or app. EVER!
The Nigerian dating scams target the lonely and vulnerable. The most common comment of victims who think they have found the love of their life is “I can’t believe I was so stupid! The Nigerian dating scams are hugely profitable. The Nigerians call them ‘maghas’ which is slang for gullible white people. The scammers spend their day trolling the dating sites and chat rooms for contact emails, and then send off thousands of fraudulent letters and emails awaiting the victim’s replies.
They are offering the chance of finding true love and happiness, and there are plenty of takers! However sooner or later, the vulnerable hearts receive requests that will ultimately lead to financial losses and heartbreak. The scammers choose chat rooms and dating sites because the person in love offers the chance of the biggest payoffs. How Does the Scam Work? The Nigerian dating scams are often not easy to detect as the scammers are often highly educated, have exceptional patience and they do their homework!
The scammers start by stealing a photo from an internet site. They prefer to use images of white people capitalising on stereotypes and perceptions. The photos are usually of beautiful people and the quality of the photo is high.
A New Breed of Con Artists
A string of scams are taking place asking people to make payments over the phone for things such as taxes, hospital bills, bail money, debt collection, and utility bills. The scams are committed using many methods, including gift cards. As the fraudsters are sometimes using iTunes Gift Cards, we want to make sure our customers are aware of these scams. Regardless of the reason for payment, the scam follows a certain formula:
Visit , an online dating watchdog site, and support group. If you have had money stolen then you should report the scammer to the website where the scammer found you, the FTC, the FBI’s Internet Crime Complaint Center, and your state Attorney General.
They may use a fictional name, or falsely take on the identities of real, trusted people such as military personnel, aid workers or professionals working abroad. Dating and romance scammers will express strong emotions for you in a relatively short period of time, and will suggest you move the relationship away from the website to a more private channel, such as phone, email or instant messaging.
They often claim to be from Australia or another western country, but travelling or working overseas. They may take months to build what may feel like the romance of a lifetime and may even pretend to book flights to visit you, but never actually come. They may also ask you to send pictures or videos of yourself, possibly of an intimate nature. Often the scammer will pretend to need the money for some sort of personal emergency.
For example, they may claim to have a severely ill family member who requires immediate medical attention such as an expensive operation, or they may claim financial hardship due to an unfortunate run of bad luck such as a failed business or mugging in the street. The scammer may also claim they want to travel to visit you, but cannot afford it unless you are able to lend them money to cover flights or other travel expenses.
Sometimes the scammer will send you valuable items such as laptop computers and mobile phones, and ask you to resend them somewhere.
Preface At a minimum, the scam web sites make the charges hard to find. In most cases, the trial period and associated charges are purposefully hidden — the site uses program code to hide them. You can check your browser history, around the date of the charge if it is kept long enough on your phone or computer.
The assumption on this page is that you were not aware of the trial period and the charges.
Apr 25, · Bogus accounts bearing the likenesses of the Facebook executives have frequently been used to scam users. Credit Credit Illustration by Tony Cenicola/The New York Times, Mark Zuckerberg and .
Some people on dating sites aren’t looking for love. Dating sites are, thankfully, getting better at spotting who is using their service to send thousands of spam messages. It’s pretty easy to tell: They send the same message over and over, often with the same link. But there’s a type of dating site scam that’s far trickier to spot, and the people who operate it claim to be making thousands of dollars every month fooling vulnerable men.
It details how scammers operate fake dating site profiles in order to con men out of money. The guide isn’t available for free, in fact, it was being sold for Bitcoins on a deep web marketplace. It’s not just guns and drugs that are up for sale on deep web sites. Vendors also list guides on how to commit other illegal activities. The documents are often sold for small amounts of money, but the price barrier, the need to pay with Bitcoin, and the fact that they’re only available on the deep web prevents the guides from being circulated widely.
A copy of the dating site scam guide being sold on the Crypto Market deep web site Crypto Market The document, titled Adhrann’s Updated Dating Scam , lays out a method for creating fake dating site profiles, ensnaring men in conversation, and then pressuring them to send money. Adhrann Adhrann advises people following his guide to take care in the way they set up their dating site profile.
The Little Black Book of Scams
Here are some replies from scammers after victims replied to the lottery scam emails. A lottery is a promotional device by which items of value are awarded to members of the public by chance, but which requires some form of payment to participate. In the United States and most developed countries, lotteries are illegal except when conducted by governments states in the US and certain exempt charitable organizations. Here are key points for avoiding scam lotteries: You cannot win a legitimate lottery if you have not entered it.
A new study has raised concern, as more children are talking to and meeting people they meet online, with dangerous consequences. When Morrison suggested that her suitor put his daughter on a plane to get better medical attention at home — and even offered to pick the girl up at the airport — a new crisis struck. By then, Morrison knew she was dealing with a scammer. Though the amounts and details of the scam vary from victim to victim, when it comes to romance scams, the con is almost always the same: The crook wants to get a besotted victim to wire money or provide access to a credit card.
If the victim doesn’t figure out the con after the first request for cash, the crook will keep milking the relationship for as much as he or she can get. When the victim gets wise, the con artist gets scarce. To be sure, these scams aren’t new. But the increasing popularity of online dating gives them the perfect conditions to proliferate. There are no statistics saying just how common scammers are on dating sites.
But individuals who frequent them say scams are pervasive. Indeed, many sites warn their customers to beware. Let’s leave the site:
Is your online Date asking for a Dating pass ID or hookup clearance? READ THIS FIRST!
Credit Card Basics , Credit Cards With so many websites offering free financial tools, it can be hard to know whom to trust. At NerdWallet, we thoroughly research financial products and companies, and adhere to strict standards of editorial integrity to find you the best choices. We even share how we make money so you can rely on our expert advice and recommendations with clarity and confidence. Credit card fraud can happen to anyone, but there are things you can do to lessen your risks of becoming a victim.
Taking the information right off of your card What skimming is and how it works:
Have you received an email like this: “Congratulations! You may receive a certified check for up to $, U.S. CASH! One Lump sum! Tax free! Your odds to WIN are ” It is a fraud. This website has considerable free resources, links to the relevant government and nonprofit agencies and guides to help you determine if an email, phone call or letter is from a fraudster or a legitimate source.
Fake news scam The spread of fake news on the Internet is a danger to all of us, because it has an impact on the way we filter all the information we found and read on social media. Click To Tweet This type of scam could come in the form of a trustworthy website you know and often visit, but being a fake one created by scammers with the main purpose to rip you off. But for your online safety, be cautious about the sites you visit.
There are thousands of websites out there that provide false information, and might redirect you to malicious links, giving hackers access to your most valuable data. Loyalty points phishing scam Many websites have a loyalty program to reward their customers for making different purchases, by offering points or coupons. This is subject to another online scam, because cyber criminals can target them and steal your sensitive data.
Seduced into scams: Online lovers often duped
Email Sh’reen Morrison had been on an online dating site for only a few weeks before she realized that something was seriously wrong with the man who had been actively pursuing her by text message and email. They’d hit it off right away, and he said he lived just outside of Phoenix, which seemed relatively proximate to a woman in remote Yuma, Ariz. But meeting in person was always a problem. First, he was traveling through India with his daughter.
Listen to the Rutledge Report podcast on the IRS Scam Read KATV story. A number of Arkansans have reported phone calls from purported Internal Revenue Service (IRS) agents demanding the consumer pay back taxes immediately to avoid being arrested.
The mail read like this: Nice body shot, which looked like a pic taken with a cellphone. It indeed looked like a legitimate response. On top; it came naturally from an I-Phone. Needless to say, I replied. The follow up was almost instant. It came from kayla greatlocalnsa.