Adobe Reader phishing emails: this is not how Adobe sends updates

October 20, 2010

According to a recent alert, phishing emails regarding updates to the Adobe Reader have been making the rounds.

This is where knowing a little something about software can help you avoid a scam, because Adobe doesn’t send out update information via email. In fact, I can’t think of a software company that does. This is one of those cases where people who might otherwise never click a link in an unexpected email might let their guard down. Don’t do it. There’s a reason I always say “never”.

When a new security patch for the Reader, or a whole new version becomes available, the program itself will detect it automatically. Or, if you want to download it manually, you can visit http://get.adobe.com/reader/. I would uncheck that “Free McAfee Security Scan Plus” box on the right, though. I’m not a fan of “bonus” software like toolbars and other junk when you download things, so that’s sort of a matter of principle. Plus, if you’ve got a different brand of security software installed, the McAfee download might fight with it. Virus scanners always seem to detect each other as viruses.

There is a possible security issue with the Adobe Reader that you should know about. For some reason, they decided to add JavaScript functionality to the Reader. This was later shown to be an easy avenue for hackers to access your computer. I’m pretty sure the latest versions have fixed this issue, but I still turn it off just in case.

All you have to do is click “Edit” at the top of the screen, then select “Preferences…” Find “JavaScript” in the menu on your left. Click that, and there will be a box that says “Enable Acrobat JavaScript.” UNcheck it, click “OK”, and you’re done.

Another alternative is to just use a different software altogether, which is what I do. I like the Foxit Reader, but I disable JavaScript there as well.

Don’t get me wrong—I love most of Adobe’s other products (Illustrator and Photoshop in particular). I just don’t quite grok why they put this functionality into the Reader.


How to Avoid Lottery Scams

August 27, 2010

Below is the text of my column for The Chronicle that appeared in the August 25, 2010 edition.

Q: I got a letter that said I won the lottery in the United Kingdom. It included a cashier’s check to cover taxes and fees. Is this for real?

A: Not even a little bit. Sorry.

What you have is a Lottery Scam letter. These have been circulating for years, and thousands of people have lost incredible amounts of money.

It usually works like this: you receive a letter than informs you that you have won a foreign lottery in which “no tickets were sold.” The lottery is most often based in the United Kingdom, but South Africa, Australia and other countries have been used as well.

The letter further states that, to claim your prize money, you have to pay some sort of taxes or fees up front. The cashier’s check included is supposed to cover this amount. You are instructed to cash the check at your bank or credit union, then take the cash to Western Union and wire it back to the sender.

A few days later, your financial institution informs you that the check was counterfeit, and that you’re now on the hook for the amount you cashed it for – usually in the $3,000-$4,000 range. The problem is that you have already wired this money out of the country. Once you make a wire transfer, you cannot get that money back.

Some people are under the impression that the financial institution that appears on the check will cover the loss, but that is not how it works. They did not issue the check – they had nothing to do with it at all. If someone made fake checks with your name on it, would you feel responsible to cover them?

Others believe their own financial institution will cover the loss, but once again, that is just not the way it works. From their perspective, all that happened was that you came in, you presented a monetary instrument, you received cash in exchange for it, and that check turned out to be counterfeit. They have no way to verify where it came from – you could have printed it yourself. They handed the cash to you. You are the one who has to pay it back.

The above is sort of the “classic” version of a Lottery Scam. Like most fraudulent activity, this scam has been adapted to new technologies. While some people still receive Lottery Scam postal mail that includes a counterfeit check, e-mail has become the main channel for this crime.

It starts the same way – you get an email that informs you that you have won the lottery in a foreign country. Since they cannot send you a check through e-mail, crooks will attempt to convince you to call a “claims agent” for further instructions, or to e-mail personal details back to the sender.

Next, they either mail you a counterfeit check with the same instructions as before – cash it and wire it back – or they will simply attempt to get you to wire money directly to them, skipping the check altogether. This second scenario often turns out much worse; while the counterfeit check usually nets the crook around $3,000 one time from each victim, if they can string you along and get you to keep wiring more cash, they can bilk you out of much more. There are people who have lost tens of thousands of dollars to this scam – victims’ entire life savings wiped out before they realize they have been had.

Like so many forms of fraud, this scam can be avoided by just remembering a few simple facts. First, you have to play the lottery to win the lottery. They do not just draw random names or e-mail addresses out of a giant hat.

Second, any time someone sends you a check and tells you to cash it and wire the money back to them, you are looking at a scam. There is no scenario in which this is a legitimate request.

Finally, if a stranger is offering you large amounts of money for free, do not trust them. What seems like the answer to your prayers could turn out to be the start of a financial nightmare.


The Fraud Prevention Unit in print

July 27, 2010

It’s official: I’m making the leap from blogging to print media. The Chronicle, a weekly newspaper serving Portage, Valparaiso, Chesterton and Hobart, has picked me up for a monthly column on the topic of fraud prevention.

The column will run on the fourth Wednesday of each month, and will feature the same kinds of material I cover here, albeit in a more formal style (alas, the print medium comes with a word limit and established stylistic traditions…no room for the usual tangents and obscure references).

The first one goes out tomorrow (July 28, 2010). Be sure to check it out.



Fraud Prevention 2009: The Year in Review

December 31, 2009

The Fraud Prevention Unit is, for all intents and purposes, six months old, with 103 articles (including this one). I had wanted to write over 100, so I feel good about that result.

In that first six months, we’ve had over 7,500 views (nearly 5,000 of those in November and December alone). I’ve watched the trends in search terms that bring people here, and even been able to make some educated guesses as to the causes; for example, I’m fairly certain that BigSpot.com has recently launched a new volley of television advertising, since I’m suddenly getting a lot of traffic from searches like ”is bigspot.com legitimate?” Back in November, the “Walmart Cash Back Scam” misinformation (sort-of-hoax?) was making its way around the series of tubes we call “the Internets,” which led to a big spike in traffic here.

Now, I’m not going to beg for comments and participation from readers per se, but I would like to see a few more people commenting on articles. Have you encountered a new scam, or a variation on an old one? Do you have more information on a topic? Let yourself be heard! Contact me directly via the “About” page if you don’t want to use the comment function.

In 2010, I’d also like to see more people coming to the site regularly as a source of fraud prevention information. We’re set up for RSS feeds around here—use ‘em!

Of course, that doesn’t mean folks aren’t welcome to just wind up here because they were searching for something, but I’d encourage you to bookmark or subscribe to the site. At a little over 100 posts in six months, I think it’s safe to assume the site isn’t going to turn ghost town anytime soon. Subscribe! Bookmark! You’ll have a real good time, and if you’re not careful, you might learn somethin’, too!”

My 2010 wish list also includes “over 70,000 views by 12/31/2010,” but that’s more on my shoulders, as far as creating useful content, so don’t worry about that one.

Finally, remember that you can view Video Dispatches here or by directly visiting the YouTube Channel, and be sure to follow the Fraud Prevention Unit on Twitter.

Like the kids at school used to tell each other on the last day before Christmas Vacation, “See you next year.”


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