There's so much to see here. So, take your time, look around, and learn all there is to know. Especially learn about how and where to go to get the help you need if you are scammed! (Scroll down)
SCAMS
Within the past three years there has been a surge in scammers. These scammers target private information to sell on the "Dark Web"--anything from social security numbers to medical information; they target our elderly and even boldly robocall us pretending to be debt collectors for a debt owed or pretending to be a bank and or a government agency--All for the purposes of scamming hard workers out their hard-earned money and/or to get personal information to create identity theft. To scammers, "the art of deception by theft" is a career. They do not care who they harass or hurt.
Neither consumers care when you help them to get caught. Consumers have grown tired of this blatant behavior and have begun organizing to decrease and expose the actions of these scammers.
Get immediate help for IDENTITY THEFT
by phone at 1-877-438-4338 or click here
TAX THEFT?
DON'T ALLOW SCAMMERS TO STEAL AND USE YOUR SOCIAL SECURITY NUMBER to file false taxes. CREATE A TAX PIN NUMBER!
If you have also been taken advantage of financially, contact the Consumers Financial Protection Bureau at (855) 411-2372 or click here
ONLINE TRACKING
FEEL LIKE YOU ARE BEING FOLLOWED ONLINE? YOU PROBABLY ARE!
Get DUCKDUCKGO for safe internet searching and also get their new email tracker blocker! They will prevent trackers. Duck Duck Go also provides a VPN! "VPN" stands for virtual private network. A VPN masks your computer IP (INTERNET PROTOCOL) address so that your online browsing is virtually untraceable. Another good one to get:
HOW TO AVOID BEING TRACKED ONLINE
DO NOT CLICK ON LINKS OR IMAGES IN YOUR EMAILS OR TEXT MESSAGES THAT YOU ARE UNFAMILIAR WITH. THESE LINKS OR IMAGES MAY BE FROM BUSINESSES OR FROM REPRESENTATIVES WHO TRY TO USE THE "LINK OR IMAGE METHOD" TO FOLLOW YOU TO GET YOUR PERSONAL DATA. EVEN IF YOU KNOW THE BUSINESS OR THE INDIVIDUAL, DON'T CLICK! INSTEAD, PICK UP THE PHONE AND CALL THE BUSINESS OR PERSON DIRECTLY. Thoroughly check ALL links before clicking on them! THE LINKS AND IMAGES ARE ALSO SOMETIMES BARELY VISIBLE AND ARE CONNECTED TO TRACKERS THAT HAVE THE ABILITY TO FOLLOW WHAT YOU DO AND WHEREVER YOU GO ONLINE. AGAIN, THE PURPOSE OF THESE TRACKERS IS TO GET YOUR PERSONAL INFORMATION TO SELL TO OTHER COMPANIES OR TO USE YOUR INFORMATION TO CREATE IDENTITY THEFT.
HELP VICTIMS OF STALKING!
STOP STALKERS!
ARE YOU BEING STALKED?
National Institute for Justice
GET HELP WITH CYBERSTALKING!
Cyberstalking is the use of the Internet or other electronic means to stalk or harass an individual, group, or organization. It may include false accusations, defamation, slander and libel. It may also include monitoring, identity theft, threats, vandalism, solicitation for sex, doxing, or blackmail
Click here for more information
CONCERNED ABOUT YOUR INTERNET BILL OR CABLE BILL?
Your internet bill started out as a reasonable bill that you were able to handle. But as the months go by, your bill begins to increase with additional "fees" without warning. Each time that you ask "why" your bill continues to escalate, a flimsy excuse is given by the company. This is not what was negotiated with you in the beginning when you opened the account.
Contact the FCC (Federal Communications Commission):
or call 1-888-225-5322
REPORT NEIGHBORHOOD SPOOFING TO THE FCC, TOO!
"Neighborhood spoofing" is when scammers target you by using three digits to match the first three digits of someone you already know. Because you are familiar with these first three digits, you will more than likely answer the phone. This could result in voice cloning or becoming the victim of a scammer. If the number is not the EXACT number of the person you already know, don't pick up!
HAVE YOU BEEN CANCELLED?
(Also possibly known as Gang Stalking)
You've seen stuff like this in the movies, but the process of CANCEL CULTURE or is a very real crime. It is a form of cruel, predatory stalking performed covertly by a group or individuals who prescribe to a series of techniques utilized by organized crime and corrupt community networks to ruin a person through character assassination in order to paint a person as unreliable or mentally unstable, (also known as a "targeted individual") by discrediting, framing for incarceration, keeping the targeted individual unemployed, sabotaged, constantly harassed, breaking up their marriages or friendships, extorting and even driving the victim to suicide. CANCEL CULTURE will "shadow" the targeted victim's personal life ON AND OFFLINE, follow the targeted person while driving or walking, listen to private telephone conversations through undetected spyware on the targeted victim's cell phone and use other tools to render the VICTIM unsuccessful in anything they attempt to do while also publicly displaying the targeted victim in a bad light not to be trusted or believed.
"Gang stalkers or Cancel Culture" will approach and even lie to personal friends, family, employers and anyone associated with the targeted victim to keep the victim unlikeable and isolated as well. THIS IS ORGANIZED CRIME OF PERSONAL INVASION and PREDATORY STALKING and it is ILLEGAL. The goal is to ruin the person's life and credibility through covert psychological warfare, financial instability, and sabotage, by isolating and leaving the victim impoverished or even dead. They do not care. Some are even paid to do this!
If someone comes to you with malicious gossip about another person that you know, be very aware! Test this information given to you about someone that you know. Check out the person who came to you with the gossip in the first place. It may be a ploy against one of your loved ones or friends to ruin them for no reason at all.
This crime is usually done against people because of jealousy, retaliation, disagreements, because the targeted person left an organization or cult, whistleblowing, or just because the person or people doing (usually someone who has the money and resources to do so) the targeting has the capability to do so. "Canceling" is used to silence or erase a targeted victim who is viewed as a possible threat in some way. If this is happening to you, document every incident and GET HELP HERE. Do not do this alone. Make sure that you have credible witnesses, too. Tell the people closest to you that you trust, what is happening so that they can help to monitor these events as well. Stay alert!
UNETHICAL BUSINESS PRACTICES
This practice involves the mistreatment and abuse of customers. Most businesses avoid these kinds of practices at all costs because they could lose business, but there are a few who just don't care. These are usually businesses that have made their money over the years and feel like they have obtained enough money to now say and do as they please. But these kinds of businesses are also the quickest to "go out of business" because they have stopped caring about the services that they provide to the public and word gets out quickly about their unethical business practices. False product claims, false advertisement, intentional overcharging, refund refusals, discrimination, physical or emotional abuse of workers in front of the public, unsafe or poor working conditions, and invasion of privacy, etc. SHOULD NOT BE PRESENT when doing business.
If customers or workers experience these unethical practices, here's what to do:
Keep calm. Do not argue or share what you are going to do about the situation with anyone that is not in a position to help you. Document the incident in your personal time or at home immediately, have receipts, make sure that you have a witness and solid proof of the incident. Contact the Federal Trade Commission. They are a governmental organization that will listen to consumer complaints about businesses both on and offline that are using unethical businesses practices. After completing the complaint form, the FTC will help consumers get refunds, question and investigate why the business is doing unethical business with the consumer, restore corrections to things that have been incorrectly placed on your credit report, and investigate companies who intentionally steal from consumers through all kinds of business scams.
Then put the word out about the business's unethical business practices or services so that no one else will become a victim!
WORK AND LABOR:
NOT PAID OVERTIME OR NOT PAID AT ALL FOR YOUR WORK LABOR?
WORKPLACE DISCRIMINATION OR SEXUAL HARASSMENT:
https://www.eeoc.gov/harassment
MORE RESOURCES FOR OLDER ADULTS
ATTENTION!!!!
PUT A STOP TO AGE DISCRIMINATION BY EMPLOYERS! CLICK BELOW:
or call 1-800-368-1019.
WHAT IS AN APPLICANT TRACKING SYSTEM?
THE APPLICANT TRACKING SYSTEM (ATS).
UNETHICAL APPLICANT TRACKING SYSTEM
AN APPLICANT TRACKING SYSTEM FOR TUTORING PROGRAM HAS BEEN FOUND GUILTY OF DISCRIMINATING AGAINST OLDER ADULTS! Read Here
ARE THERE MORE?
FAKE CHARITIES
Charity--Happens during the holiday seasons and natural disasters--even for nonprofits. When scammers call to ask for donations or say that they are following up on a pledge that you previously made, or a nonprofit says that they are helping the community, look them up!
What to do: Always ask for the name, address and phone number of the charity when they call, or you see their name somewhere as a sponsor.
Then look them up at guidestar.org, give.org or charitynavigator.org.
UTILITIES TOO HIGH?
This seems to be the most in consumer complaints because consumers feel that each time bad weather occurs, utility companies are now using the bad weather as an excuse to add extra cost and drain the pockets of consumers with outrageous utility bills.
Find your state's Public Utilities Commission. Go to "State Websites". Click and Submit a complaint. They help to ensure that consumers are being charged a reasonable rate.
HAVING TROUBLE PAYING YOUR UTILITY BILL?
If you're having trouble paying your utility bills, there are several places you can go for help:
It's important to reach out for help as soon as you realize you're having trouble paying your bills. The earlier you take action, the more options you'll have and the easier it will be to resolve the issue.
(Information provided by ChatGPT)
MORE ABOUT DEBT COLLECTORS
Debt collectors are subject to federal laws known as the Fair Debt Collection Practices Act (FDCPA), which sets limits on what they can and cannot do when trying to collect a debt from a consumer. Corporations also DO NOT have the right to neglect contacting consumers about a debt, allowing the debt to go into collections without consumer knowledge thereby allowing debt collectors to harass consumers. Consumers must be informed about a debt owed before action is taken. Corporate contract fine print also needs to be legible and large enough for consumers to read.
Some of the things that debt collectors are not allowed to do include:
It's important to remember that these are just some of the restrictions placed on debt collectors by the FDCPA.
If you believe that a debt collector has violated the law, contact the Consumer Financial Protection Bureau or a private attorney for assistance.
SURPRISE HOSPITAL BILLS
RECEIVED A SURPRISE HOSPITAL BILL
THAT YOUR INSURANCE DIDN'T COVER OR RECEIVED A HOSPITAL BILL MONTHS LATER AFTER YOU'VE PAID YOUR FINAL HOSPITAL BILL?
Effective January 1, 2022, the NO SURPRISES ACT may protect you from surprise medical bills. GO TO:
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