CONSUMER FRAUD GLOBAL HEADQUARTERS THE GREGOR BUILDING 716 WEST AVE AUSTIN, TX USA
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1 GLOBAL HEADQUARTERS THE GREGOR BUILDING 716 WEST AVE AUSTIN, TX USA
2 TABLE OF CONTENTS COURSE INTRODUCTION Course Objective... xi Course Overview... xi Learning Objectives...xii I. CONSUMER FRAUD OVERVIEW Introduction... 1 Who Are the Victims of?... 1 Why Do Consumers Become Victims?... 1 Who Are the Perpetrators of?... 1 Why Do Perpetrators Commit?... 2 Video... 2 How Do Perpetrators Execute Schemes?... 2 The Three Elements of Fraud... 2 Situational Pressure... 3 Perceived Opportunity... 3 Rationalization of the Act... 3 How Does Affect Consumers?... 3 Review Questions... 4 II. CONSUMER FRAUD DELIVERY METHODS Introduction... 7 Internet In Person... 8 Door-to-Door Frauds... 8 Seminars... 8 Telephone... 8 Telemarketing... 8 Television... 9 Infomercials... 9 Review Question III. ONLINE METHODS USED TO OBTAIN CONSUMER DATA Introduction Online Schemes Used to Obtain Consumer Data Technical Vulnerabilities War Driving Malware Social Engineering Phishing Video Video Pharming i
3 III. ONLINE METHODS USED TO OBTAIN CONSUMER DATA (CONT.) Video Review Questions IV. ELDER FRAUD Introduction Elder Fraud Why the Elderly Are Targets Elder Fraud Schemes Protecting Against Elder Fraud Red Flags of Elder Fraud Review Question V. ENTREPRENEURIAL SCHEMES Introduction Franchises Business Opportunities Display Racks Vending Machines Invention-Promotion Agencies Vanity Publishing Wealth-Building Programs Work-at-Home Opportunities Assembly and Crafts Chain Letters Coupons How to Spot a Fake Coupon Envelope Stuffing Medical Billings Internet-Based Scams Overstocked and Discontinued Items Report Writing Mystery Shoppers Reshipping Turnkey Websites Questions to Consider Survey Schemes Why Survey Schemes Are Successful Review Questions VI. ADVANCE-FEE SCHEMES Introduction Advance-Fee Schemes Video Advance-Fee Scheme Sale of Crude Oil Below Market Price Disbursement of Money from Wills Threat or Extortion ii
4 VI. ADVANCE-FEE SCHEMES (CONT.) Preventing 419 Advance-Fee Schemes Money Transfer Schemes Sweepstakes and Prizes Schemes Advance-Fee Sweeps Video Free Prizes One-of-Five Prizes Puzzle Sweepstakes False Text Message Prize Offers Lottery Schemes Foreign Lottery Schemes Review Questions VII. CREDIT CARD FRAUD SCHEMES Introduction Credit Card Fraud Schemes Credit Card Offers Secured and Unsecured Cards Gold and Platinum Cards Credit Card Loss Protection Plans Debit Card Payments to Cab Drivers Credit Card Validation Code Scam Chip Card Scam Credit Card Interest Rate Reduction Scam Review Questions VIII. CONSUMER DEBT AND LOAN SCHEMES Introduction Consumer Debt and Loan Schemes Debt Relief Schemes Debt Consolidation Schemes Credit Repair Schemes Credit Card Debt Elimination Scheme Credit Analysis Offers Scheme Educational Program Scheme Debt-Collection Agency Schemes Government Debt Collection Schemes Time-Barred Debt Schemes Lender Debt Collection Schemes Fake Debt Collector Schemes Consumer Debt Schemes Car Title Loan Schemes Online Payday Loan Schemes Review Questions iii
5 IX. MORTGAGE FRAUD SCHEMES Introduction Foreclosure Rescue Schemes Builder Bailout Schemes Equity Skimming Property Flipping Loan Modifications Mortgage Appraisals Credit Insurance Packing Balloon Payments Review Questions X. TELECOMMUNICATIONS AND TELEMARKETING SCHEMES Introduction Telecommunications Fraud Mobile Phone Fraud Schemes Text Message Spam Telemarketing Video Factoring Companies International Factoring Companies Telemarketing Magazine Sales Scheme Rip and Tear Scheme Robo-Call Schemes Automatic Debit Programs Signs of a Telemarketing Scam How to Handle a Sales Call Consumer Education Stopping Unsolicited Phone Calls Review Questions XI. E-COMMERCE SCHEMES Introduction E-Commerce Schemes Online Buyer and Seller Schemes PayPal Craigslist Apartment Rental Schemes Craigslist Car Schemes Craigslist Ticket Schemes Amazon Schemes Review Question XII. ONLINE AUCTION FRAUD SCHEMES Introduction Online Auction Fraud Shilling Sniping Bid Shielding iv
6 XII. ONLINE AUCTION FRAUD SCHEMES (CONT.) Bid Siphoning Misleading Descriptions and Images Second-Chance Offers Fee Stacking Failure to Ship Merchandise Loss and Damage Switch and Return Reproductions Escrow and Bonding Services Black-Market Goods Gray-Market Goods Online Penny Auctions Tips When Using Online Auctions Review Questions XIII. TRAVEL AND VACATION SCHEMES Introduction Travel and Vacation Schemes Travel Certificates Travel Packages Discount Travel Clubs Timeshares Tips for Travel and Vacation Schemes Review Question XIV. LIFESTYLE SCHEMES Introduction Offers and Sales Schemes Charity Schemes Gifting Circle Schemes Free Information Services Schemes Natural Disaster Schemes Green Energy Schemes Home Improvement Schemes Preventing Home Improvement Schemes Life Event Schemes Review Question XV. MERCHANDISING AND HOLIDAY SHOPPING SCHEMES Merchandising Schemes Free Trials Holiday Shopping Schemes Retail Sales Credit Card Offers Review Questions v
7 XVI. EDUCATIONAL DEVELOPMENT SCHEMES Introduction Diploma Mill Schemes Career or Vocational School Schemes Financial Aid Schemes Student Loan Debt Relief Schemes Employment Service Schemes International and Overseas Employment Firms Review Question XVII. COLLECTIBLES FRAUD SCHEMES Introduction Collectibles Schemes Art Schemes Precious Stones and Metals Schemes Rare Coins Schemes Antique Schemes Forged Autograph Schemes Review Question XVIII. HEALTH AND MEDICAL FRAUD SCHEMES Introduction Health-Related Schemes Dietary and Health Cure Schemes Cosmetic Surgery Schemes Health Club Schemes Weight-Loss Program Schemes Online Pharmacy Schemes Medical Alert System Schemes Anti-Aging Product Schemes Hospice Fraud Schemes Health Insurance Schemes Medical Billing Fraud Schemes Phantom Billing Inflated Hospital Bills Self-Referrals Drive-by Doctoring Prescription Discount Card Scheme Miracle Cure Schemes Review Questions XIX. AUTOMOTIVE SCHEMES Introduction New and Used Vehicle Schemes Leasing Schemes Financing Schemes Gas-Saving Products Schemes Odometer Fraud Schemes vi
8 XIX. AUTOMOTIVE SCHEMES (CONT.) Automotive Repair Schemes Highway Bandits Repair Estimate Schemes Parts Replacement Schemes Tips to Consider When Getting a Vehicle Repaired Curbstoning Schemes Airbag Schemes Car Accident Referral Schemes Tips to Help Consumers Avoid Car Accident Referral Schemes Towing Schemes Review Questions XX. INVESTMENT SCHEMES Introduction Investment Schemes Securities Fraud Video Commodities Trading Fraud Ponzi Schemes Video Pyramid Schemes Review Questions XXI. OTHER CONSUMER FRAUD SCHEMES Introduction Modeling and Acting Schemes Airline Ticket Schemes Inheritance Schemes Living Trust Schemes Parking Lot Schemes Scamming Families of Migrant Children Grandparent Schemes Government Imposter Schemes Sweetheart or Friendship Schemes Video Revenge Schemes Short-Term Home Rental Schemes Take the Money and Run Scheme Bait and Switch Scheme Price Jacking Scheme Deceptive Schemes Hotel Schemes Subsidized Housing Schemes Insurance Fraud Schemes Child Adoption Schemes The Puppy-Dog Sale Tips and Warning Signs of Child Adoption Schemes vii
9 XXI. OTHER CONSUMER FRAUD SCHEMES (CONT.) Online Pet Adoption Schemes Gift Card Schemes Electronic Payment Fraud Dishonest Bank Employees Misrepresentation of Identity Forged Authorizations Nanny Scam Tech Support Schemes Security Alert Schemes Fortune Telling Schemes Review Questions XXII. CURRENT TRENDS AND STATISTICS Introduction The U.S. Federal Trade Commission The Bureau of Consumer Protection The Consumer Sentinel Network The Top Ten Complaints Reported to the Consumer Sentinel Network Amounts Consumer Reported Losing to Schemes The Methods of Payment Reported The Methods of Fraudster Contact Reported by Complainants The Age of Consumers Who Made Reports to CSN in The Ten States with the Most Fraud Complaints per 100,000 People Review Questions XXIII. CONCLUSION XXIV. APPENDIX A: VIDEO TRANSCRIPTS XXV. SOLUTIONS TO REVIEW QUESTIONS I. Overview II. Delivery Methods III. Online Methods Used to Obtain Consumer Data IV. Elder Fraud V. Entrepreneurial Schemes VI. Advance-Fee Schemes VII. Credit Card Fraud Schemes VIII. Consumer Debt and Loan Schemes IX. Mortgage Fraud Schemes X. Telecommunications and Telemarketing Schemes XI. E-Commerce Schemes XII. Online Auction Fraud Schemes XIII. Travel and Vacation Schemes XIV. Lifestyle Schemes XV. Merchandising and Holiday Shopping Schemes XVI. Educational Development Schemes XVII. Collectibles Fraud Schemes viii
10 XXV. SOLUTIONS TO REVIEW QUESTIONS (CONT.) XVIII. Health and Medical Fraud Schemes XIX. Automotive Schemes XX. Investment Schemes XXI. Other Schemes XXII. Current Trends and Statistics XXVI. CONSUMER FRAUD FINAL EXAMINATION... E-1 XXVII. INDEX...I-1 ix
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