upworthy

fraud

A scammer finding his next victim.

One of the most perplexing things about living in the smartphone era is the number of times a day the average person is harassed by a marketing robocall or, worse, a scammer. With all of the magnificent technology in this world, shouldn’t there be a way for phone carriers and the government to work together to prevent people from losing billions a year to scammers?

To make things worse, scammers now contact people through text, so you must continually delete texts that say, “Hey, how are you doing?” in addition to blocking spam callers. The terrible thing is that spam calls are only getting worse, with more than 14 billion sent yearly to Americans alone.

A graduate student who goes by Boopinmybop on Reddit was fed up with spam calls, so he made a Herculean effort to stop them. It was so effective that he had the scammers beg him to stop calling. The great thing was that it only took under an hour for him to achieve this righteous endeavor.

scammers, spam calls, fraud calls, potential spam, targets, financial abuseA man yelling at a spam call. via Canva/Photos

It all started in January 2024 when he was in a debt relief program, and his number got shared. Gradually, the number of spam calls he received from one group rose to about 15 daily. The scammers kept using different numbers so they couldn’t be defeated simply by blocking them. “I’m a PhD candidate, so I’m constantly either in meetings, giving presentations, or running sensitive experiments. And boy, getting those calls was incredibly disruptive,” he told BoredPanda.

Boopinmybop decided that the only way to stop it is to give the scammers a dose of their own medicine. “I called, put myself on mute, and hung up after 5-10 seconds of them talking. I did this exactly 266 times in 35 minutes,” they wrote. “Each time to the same number, I cycled through 20-30 employees with accents from Australia to India to the Mid Atlantic, at least three different company names they claimed to be from, and many, many scripts. Sometimes they’d start one script, then mess up and start on another. Other times, they’d just say ‘hello?’ The best was when they changed mid-script what company they were claiming to be from. Then sometimes they’d say 'Hello, Mr. Boop.' After about 150 calls, I started getting intermittently hung up on immediately after they answered the call. I knew I was getting to them.”

spam boss, fraud boss, scammers, spam calls, phone fraud, irs fraudA spam call boss.via Canva/Photos

Eventually, he annoyed the scammers so much that his call was promoted to the top of the scam chain. “Finally, at call 260, I reach the final f***ing boss,” he wrote. “In a deep, mob boss type voice, I hear, and I kid you not: ‘Mr. Boop, you’ve gotta stop with these spam calls. I mean, seriously, you gotta have something better to do with your time.'" Isn’t it a little ironic for someone who runs a scam call center to accuse one of his targets of wasting his time dialing the phones all day? Maybe he had a sense of humor. Game recognize game, as they say.

Once Boopinmybop reached the top of the scam chain, the calls finally stopped, proving that you can beat scammers; you just have to play their own game.

There are a lot of apps and services provided by cellular carriers to help reduce the number of spam scams you receive. However, one of the easiest ways to stop them is not to pick up the phone. When you pick up the phone and it’s a spam call, even if you hang up immediately, it signals to the scammer that there’s someone on the other end of the phone number, opening the floodgates for more calls. When the spam call comes in, don’t even hang up on them, hit the “sleep/wake” button on your iPhone or Android, and send the call to voicemail.

Pop Culture

Heads up! That call from a panicky relative may be a scammer voice clone.

The FTC is warning people to look out for the latest scam trend.

via Pexels

A man makes a phone call from prison.

One of the oldest frauds in the book is the “your loved one is in trouble” scam. Scammers call posing as a grandchild or loved one in distress who claims they’ve been kidnapped or are in jail. The scammer may also impersonate a nurse, police officer, lawyer or other authority figure representing the loved one.

The scammer claims that the loved one needs money wired to the fraudster immediately to bring them to safety.

The scam is effective because the victim is under pressure to get them money quickly, so they don’t have time to consider the fact that it may be a scam. All the while, they imagine the torment the loved one is going through. The urgency of the scam makes it much more likely that the victim will hand over the money.


The FTC is warning people that scammers have given this scam a new technological twist by faking the voice of the loved one by using voice cloning powered by artificial intelligence.

“Artificial intelligence is no longer a far-fetched idea out of a sci-fi movie,” the FTCs warning reads. “We're living with it, here and now. A scammer could use AI to clone the voice of your loved one. All he needs is a short audio clip of your family member's voice—which he could get from content posted online—and a voice-cloning program. When the scammer calls you, he’ll sound just like your loved one.”

All fraudsters need to clone someone’s voice realistically is a 30-second clip of audio that they can easily rip from Facebook, TikTok, podcasts, commercials or Instagram. The voice-generating software synthesizes what makes a person's voice sound unique and then finds similar voices by searching vast databases. This allows them to replicate someone’s voice in real-time to create a phone call that sounds authentic.

It’s terribly difficult to detect the scam because voice-cloning software has become increasingly accurate. As AI technology improves, avoiding being fooled by the scam will become harder.

scams, ftc, artificial intelligence

A scammer finds his next victim.

via Pexels

"It's terrifying," Hany Farid, a professor of digital forensics at University of California, Berkeley, told The Washington Post. "It's sort of the perfect storm ... [with] all the ingredients you need to create chaos."

FTC officials say that in 2022 Americans lost $8.8 billion to fraud, with imposter scams being the most common, and there’s usually no way to get the money back. Scammers usually demand payment through cryptocurrency, money wires, or gift cards, so tracing it is impossible.

The FTC wants people to think twice if they receive a phone call from a loved one in distress or someone claiming to be their representative, especially if they ask for money.

“Don’t trust the voice,” the FTC warning reads. “Call the person who supposedly contacted you and verify the story. Use a phone number you know is theirs. If you can’t reach your loved one, try to get in touch with them through another family member or their friends.”

If you are targeted by one of these voice clone scams, report it to the FTC immediately. You could prevent the next person from being scammed.

Family

5 ways you can escape the evil clutches of identity theft.

What do you do if someone else becomes you?

True
Ad Council + AICPA

Identity theft is a very real villain in the United States.

GIF from "The Avengers."


In fact, it has been for a long time.

The very first identity thieves operated IRL. They used a technique called "ghosting," where they would take on the identity by literally obtaining and using the real documents of a dead person or, in more extreme cases, murder their victims and live their lives.

By the 1960s, scammers would frequently call an unsuspecting stranger, tell them they had just won cash, and ask for their personal information in order to release their "winnings."

Once the '80s rolled around, the authorities were more vigilant and criminals had to resort to other dirty tactics — like literally going through your trash and looking for discarded paperwork with personal information (bank statements, pay stubs, bills, you name it).

Yet as technology has continued to advance, so have the powers of identity thieves.

GIF from "Guardians of the Galaxy."

Now, someone can manipulate all your information without even being in the same country as you.

Using spyware, phishing, or pharming techniques, these criminals can hack your personal records, prevent you from getting a job, or worse, take out a loan in your name — all from the comfort of their own computer.

This is probably not a huge surprise to you. In a recent survey by the AICPA, 21% of respondents said they experienced identity theft in the past year, while 50% said they expect it to happen to them in the coming year — not a good sign.

But don't fear too much! This evil can be defeated with a solid plan of attack.

GIF from "Deadpool."

We teamed up with David Almonte, a CPA and audit senior at Grant Thornton, to find ways to combat this new breed of criminal. When asked about them, David said: "They're not trying to make things too complicated because they don't have time for that. They want the easy victims. So I think our job is to educate the people that don't know the basics."

The evildoers won't know what hit 'em. Here are five ways that'll help save the day.

1. Establish an impenetrable shield.

GIF from "Captain America: The First Avenger."

To ensure your online safety, start by using solid, complex passwords (not the word "password") for all your online accounts and changing them up every once in a while. Just make sure you memorize them and never write them down. (Don't be that person who leaves passwords sticky-noted to the computer for the whole office to see.)

In fact, some go the extra mile and install added security measures such as text or email verification. If you're not sure how to do this, just contact your bank and they'll be happy to help you out.

2. Maximize your arsenal of information.

GIF from "Iron Man 2."

You have unprecedented access to all your personal information, so use that to your advantage. But where to start? Well, if you're just paying attention to this issue now, David says, "The most important thing you can do is to get your credit report. Make sure everything's on there."

Check out your bank statements regularly as well. If you have trouble keeping track, you can download a personal finance app to make it easier to see your accounts at a glance. When you're in control, nothing will get past you.

3. Outsmart the enemy with a clever strategy.

GIF from "Guardians of the Galaxy."

Hackers aren't the only ones allowed to have tricks up their sleeves. Stay out of sight and make yourself harder to track — request paperless statements, use cash and checks more often, or even limit your online transactions.

If you're a heavy card user though, David suggests reaching for your credit card rather than your debit card when you're out on the town.

"With your credit card, you're usually liable for $50 of fraudulent charges, and most credit cards will waive that. ... If someone steals your debit card and ... say you have $5,000 in your account and they spend all $5,000, whether or not you're going to get that back, you're out $5,000 until it gets handled."

4. Set up emergency signals.

GIF from "Batman v. Superman: Dawn of Justice."

This is your last line of defense. Since our phones are always by our side, best to make the most out of it. Customize your security settings so you can monitor your accounts much better through apps, SMS notifications, or any other mobile options they may offer.

"Set up the free alerts, get the apps, everything!" adds David. You want to be contacted right away whenever a certain amount gets charged to your card.

Sadly, things can still go wrong and you could find yourself compromised. If that happens...

5. Don’t hesitate to call in reinforcements.

GIF from "Avengers: Age of Ultron."

You are never alone, my friend. And David knows that. "If you do end up getting your identity stolen or you think it got stolen, freeze all your credit cards, contact the Federal Trade Commission, your local police, and your credit card companies. The worst thing you can do is do nothing."

No matter what's thrown your way, the moment something feels wrong, you have to take action. After all, that's what superheroes always do, right?

Have no fear — you got this.