FRANKFORT, Ky. -- Holiday scams aren't what they used be. Technology is making fraud harder to spot, and according to a new survey by AARP, nearly 20% of participants failed a simple quiz designed to test their ability to recognize the red flags of holiday scams.
Gary Adkins is a retired state prosecutor who specialized in felony and securities fraud. He said some scams are more common than others.
"I think there's a lot of areas that citizens of the Commonwealth get scammed in, involving the gift cards, involving the package delivery," Adkins said.
He said Kentuckians can report suspected scams to AARP's online Fraud Watch Network or by calling 877-908-3360 to get help if you believe you've been a victim of a scam.
According to the report, only 30% of people say they've done background research on a charity before giving money. But of those who did, half decided not to proceed with a donation based on what they learned.
Adkins said the Kentucky attorney general's office maintains a database of vetted charities in the state.
"It is very difficult for folks to spot these things many times because they think they're dealing with reputable individuals," he said.
Adkins said charity-rating sites such as Give.org and CharityNavigator.org also are good resources to check on whether a group asking you for money is legitimate.
"Other than an organization that you feel comfortable with, that you have a way of finding out how the money is being used," he said.
You can also contact a charity directly and ask. The AARP report said more than 1 in 3 adults believe they've been asked to donate to a charity or cause that most likely was fraudulent.
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Buying a used car can be a risky proposition, but a new consumer guide can help people avoid common pitfalls.
The nonprofit Oregon Consumer Justice just released the first edition of its free resource, called the Consumer Confidence Comics. The unique guide doubles as an interactive comic book with coloring pages.
Michelle Luedtke, communications director for Oregon Consumer Justice, describes it as a fun way to learn how to ask the right questions.
"When you get promises from a dealer, where do you capture those to make sure that they'll be part of your final contract?" Luedtke asked. "We have a checklist of different questions to ask at a dealer about purchasing a used car. You can also download as a resource on our website."
The guide is available in English and Spanish.
Used car prices shot up during the pandemic but have come down a bit in the last year, with the average used car selling for about $31,000, according to iseecars.com.
Luedtke also recommended taking the time to read the fine print on any contracts. The guide goes through the process from start to finish.
"Whether or not you should be looking for financing beforehand, or what dealer financing looks like? What are scams that are common around purchasing a vehicle," Luedtke outlined. "And then also, what to do if things go wrong."
In Oregon, used car dealers have 14 days to finalize the financing, so you could drive it off the lot and then have to return it if the loan falls through. Consumers are advised not to make any changes to the car until they get a welcome letter from their lender.
In 2022, Americans purchased about 39 million used vehicles.
Disclosure: Oregon Consumer Justice contributes to our fund for reporting on Consumer Issues, Human Rights/Racial Justice, Poverty Issues, and Social Justice. If you would like to help support news in the public interest,
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Buying a used car can be a risky proposition but a new consumer guide can help people avoid common pitfalls.
The nonprofit Oregon Consumer Justice just released the first edition of its free resource called the Consumer Confidence Comics. The unique guide doubles as an interactive comic book with coloring pages.
Michelle Luedtke, communications director for Oregon Consumer Justice, said it is a fun way to learn how to ask the right questions.
"When you get promises from a dealer, where do you capture those to make sure that they'll be part of your final contract?" Luedtke asked. "We have a checklist of different questions to ask at a dealer about purchasing a used car, you can also download as a resource on our website."
The guide is available in English and Spanish. Used car prices shot up during the pandemic but have come down a bit in the last year, with the average used car selling for about $31,000, according to iseecars.com.
Luedtke also recommended taking the time to read the fine print on any contracts. The guide goes through the process from start to finish.
"Whether or not you should be looking for financing beforehand, or what dealer financing looks like? What are scams that are common around purchasing a vehicle," Luedtke outlined. "And then also what to do if things go wrong."
In 2022, Americans purchased about 39 million used vehicles. The website Statista projects used car dealers in California will pull in about $11.7 billion in revenue this year.
Disclosure: Oregon Consumer Justice contributes to our fund for reporting on Consumer Issues, Human Rights/Racial Justice, Poverty Issues, and Social Justice. If you would like to help support news in the public interest,
click here.
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The federal SNAP program allows nearly 1.3 million Ohio families to put food on the table -- but increasingly, when many recipients attempt to use their card at a store, they are told they do not have enough funds.
At grocery and convenience stores across the state, fraudsters are installing illegal skimming devices capable of reading cards as they are swiped and using the card data to steal money.
Alisha Love, an EBT card user, said she has been a victim of EBT theft more than once. She believes the state and federal government should invest in chip security for SNAP to better protect people relying on the program.
"I haven't even gotten reimbursed for the first one, and I'm working with Legal Aid right now," Love pointed out. "My kids need money to eat. Right now I am using cash, and it is bleeding me dry from all the finances."
The Ohio benefits office recommends SNAP recipients change their pin number immediately after they suspect being scammed and replace their EBT card by calling 1-866-386-3071.
This year, 44 states have reported more than 160,000 cases of fraudulent EBT card transactions.
Phaleys Lopez, an EBT card user, said being scammed prevented her from being able to buy formula for her infant son.
"I always buy the formula for my son with the EBT," Lopez explained. "That specific Gerber, I can only buy it with the EBT or cash. I ask the father of my son to buy some when I can't."
Hope Lane-Gavin, director of nutrition policy and programs for the Ohio Association of Foodbanks, said victims of EBT card skimming typically have no choice but to turn to food banks to feed their families, and pantries are already struggling to keep up with demand.
"These are people who have applied, have followed the rules, have been approved for the benefit, who then got their card and are doing everything normal," Lane-Gavin emphasized. "Everything that they're supposed to do."
EBT card users who suspect they've been scammed can request replacement benefits within 90 days from the date they were stolen, by either mailing or hand-delivering a signed Job and Family Services form to a local county Job and Family Service office. Gavin added a temporary fix allowing victims of EBT theft to receive replacement benefits will expire on Sept. 30, without additional action by Congress.
Disclosure: The Ohio Association of Foodbanks contributes to our fund for reporting on Budget Policy and Priorities, Hunger/Food/Nutrition, Livable Wages/Working Families, and Poverty Issues. If you would like to help support news in the public interest,
click here.
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