To end his phony collections calls, Andrew Therrien topples a false debt empire

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Rhode Island salesman Andrew Therrien takes on fake debt collectors in this piece at Bloomberg.

Staying in the loop about the latest financial schemes and frauds is kind of a drag sometimes.

Most of the time we write about some new phishing ploy or unscrupulous sales or dating tactic, the scammer is rarely brought to justice.  In many cases, the victims of these jerks have little if any recourse to get their belongings or money back–it just wasn’t caught in time or the nature of the con makes catching these criminals virtually impossible.

In other words, writing about financial scammers, especially those preying on the vulnerable, often means you’re writing about scammers who got away.  And writing about the exploited often means you’re writing about someone who will likely be left to suffer the consequences.

Unless you’re writing about Andrew Therrien.

In 2015, Rhode Island salesman Andrew Therrien totally lost his patience after receiving a phone call from his wife.  A man left her a threatening voicemail in an attempt to collect some debt Therrien apparently owed.

When the caller contacted Therrien himself about the alleged debt, Therrien immediately knew something was wrong.  He didn’t owe anyone any money.

And when Therrien treated the call as anyone would a spam call, the caller rang back and made hideous threats toward Therrien’s wife.

Enraged at the call, and fed up with repeated harrassing calls from “collectors” looking for money for debts he knew he didn’t owe, Therrien used his excellent sales skills to track down the source of the calls, obtain evidence of illegal financial activity, and take these scammers all the way down.

Bloomberg has the rest of the story right here.  It’s a lengthy read, but like The Count of Monte Cristo, you’re definitely going to want to get to the end.

Score one for the good guys!

Western Union wire fraud victims may be eligible for compensation


In January, Western Union, in a settlement with the Federal Trade Commission (FTC) and the Department of Justice (DOJ), announced it will pay $586 million to scam victims who wired money to fraudsters using Western Union’s services.

According to the FTC, Western Union knowingly executed wire transactions where evidence of financial fraud was present between January 2004 and August 2015.

During this time period, as many as 550,000 complaints were made to the company about scammers fraudulently accepting money for bogus contests and lotteries, loans, dating services, and  even impersonating family members.

If this isn’t bad enough, Western Union had its own internal investigations revealing agents who repeatedly paid out to known fraudsters, despite warnings from domestic and international law enforcement.

As part of the settlement, Western Union will also work towards training and building its own anti-fraud system.  But in the meantime, if you’ve been a victim of wire fraud through Western Union services between January 1, 2004 and January 19, 2017, you may be eligible for remission.

Claims are being handled by the DOJ, claim forms have already begun mailing to those who reported a fraud loss to Western Union during this time period.  If this applies to you and you receive a claim form in the mail (it will come from Gilardi & Co., the agency the DOJ is using to process these claims), you will need to use the claim ID and PIN provided in the form to file your claim at

If you have been a victim of wire fraud during this time period via Western Union and have NOT already reported your loss to Western Union (or you never receive your claim form in the mail), you still have time to report your loss and seek compensation.  Just go to to begin filing your claim.

If you’ve been a victim, be sure to file your claim for remission before February 12, 2018. This is the cut-off date for all claims.

Wiring money is something you should never ever ever do unless you are 100% certain of the identity and motives of the individual on the receiving end.  Wiring money–whether it’s done through Western Union or some other service–is virtually the same thing as handing someone cash.  Once the money is sent and picked up, there’s almost never a way to recover the loss or identify the scammer for prosecution.

No reputable agency or business will ask or pressure you to wire money–period.  In fact, if a telemarketer asks you to wire money, it’s actually illegal.

Don’t wire money to anyone you don’t know personally for any reason.  Be especially suspicious if the person on the other end of the transaction says this is the ONLY way you can pay him or asks you to keep the transaction secret (this happens frequently with the “emergency relative phone call” scam–before you wire cash to your grandchild having an emergency, verify his identity by asking questions only your REAL grandchild would know the answer to).

The FTC offers further tips on how to protect yourself from a wire transfer scammer right here.


The warning signs of elder financial abuse

Senior financial exploitation is epidemic (just ask the CDC).

Often seniors make the perfect targets for scammers: they may have large savings accounts, valuable collectibles or heirlooms, limited mobility or cognitive impairment, and they may be socially isolated from family and friends.

But increased vulnerability isn’t the only thing keeping senior financial abuse a growing crime. It can also be a very difficult crime to catch. Many senior exploiters likely never pay for what they’ve done to others because no one ever notices the abuse–or they notice far too late.

Social isolation and lack of regular communication and involvement with older family members is partially to blame.

For the rest, senior victims often build a wall of silence between their abuse and their loved ones. Like victims of any abuse at any age, seniors often hide their abuse from others, fearing shame, embarrassment, becoming a burden to their loved ones, or ultimately losing their independence.

In some cases, a victim might even question her own cognitive abilities, feeling as though the entire mess was her fault.

But it isn’t. Senior financial abuse is never the fault of the victim, no matter what the circumstances may be. Nobody is in the right when taking advantage of someone, and the fastest way to make the abuse stop is to tell someone you trust.

This may seem like sound and commonsense advice, but to a victim of elder financial abuse, these can be the hardest words in the world to absorb.

So it’s up to those around seniors to go the extra mile to protect their loved ones from these horrendous abuses. When you can’t necessarily rely on your older friends and family members to speak up about what’s happening to them, YOU need to stay involved with them and know what the warning signs of financial abuse are so you can take action.

Below are a few helpful videos detailing the warning signs of financial abuse. They discuss things family members, financial advisors and trustees, and caretakers may see that should be treated with concern.

Know the signs, trust your gut, and be prepared to investigate if you feel something doesn’t add up.

Cyber Monday scams: shopping’s biggest day of the year is a free-for-all for online thieves


Since officially entering our lexicon in 2005, Cyber Monday has in many ways whizzed past Black Friday to become the year’s #1 shopping day.

Already in the Christmas shopping mindset and fresh off a long weekend, marketers noticed many consumers were making a large amount of purchases sitting in the office, browsing the web, struggling to get back into work mode.

In response, businesses took advantage of the pattern and built an entire holiday around encouraging online purchases and extending the Black Friday shopping boost through the weekend and into the following week.

Twelve years later, over half of Americans still say they prefer good old-fashioned brick-and-mortar Christmas shopping, but as a 2016 Pew Research study found, as many as 79% of Americans now shop online.

For these Americans, Cyber Monday is king: all of the absurd deals of Black Friday PLUS free shipping and the freedom to search for the perfect gifts while sipping coffee in your pajamas, watching news stories about the stampedes at your local mall the Friday before. Last year, all the perks of Cyber Monday combined to create a record-breaking $3.45 billion in sales.

But with 8 in 10 Americans embracing the online swipe, and billions of dollars up for grabs in a single day of online traffic, to online thieves, the internet on Cyber Monday is like a watering hole in the middle of summer on the Serengeti.

And the scammers are the lions.

How are they doing it? By using the same tricks and techniques cyber scammers always use–except today, they’ll be out in force to intercept the glut of inexperienced online shoppers with large Christmas funds who might only make an online purchase once or twice a year.

They’ll also be relying on shoppers’ expectations of finding phenomenal deals left and right–deals that we might deem “too good to be true” on any ordinary Monday.

On Cyber Monday, online shoppers are much easier to tempt, less apt to find an offer suspicious, eager to take advantage of a short-lived deal, and much more likely not to notice the tell-tale signs of a dupe.

But as we said, the cons they’ll pull are nothing new. As with any other shopping day, you have to know what those cons are and how to avoid them–the only difference is there are more of them and the urge to gamble on a really sweet deal is a little stronger.

Fake websites. These could either be phony versions of legitimate online business pages or totally bogus business sites altogether. You can usually spot these because they…just look…bad. Horrible graphics, sloppy organization, janky user interface, dead or broken links, and more spelling errors than an elementary English teacher can shake a yardstick at.

But not all of them will be readily identifiable–in fact, some scammers can replicate a legitimate business’ site right down to the logo and brand colors. In these cases, the site may look spot-on, but the URL might be slightly off. For example, a scammer might pass a “rn” off as a “m” (“” instead of “”) or a “1” as a “l” (“” instead of “”).

Typically, to get shoppers to navigate to these fake versions of sites, the scammer will need to get the fake link to the shopper through an email or a pop-up ad. To avoid this trap, always type the trusted retailer’s URL directly into the address bar of your browser, and don’t visit sites through unsolicited links.

Pop-up ads and windows. Don’t click pop-ups.

Not even if they say they’ll give you a coupon. Not even if they offer you a free trial of a service you might want to use. Not even if it says your Flash is out-of-date. Not even if it looks just like a Windows operating system alert. Not even if it says YOUR SYSTEM IS INFECTED WITH MALWARE!!! (especially if it says this). Not even if it says you’ve been randomly selected and you’ve won a prize. Not even if it says the Federal Bureau of Investigations is screening your computer because it was recently used to look at questionable content and now you’re in really big trouble.

Just don’t click them. Don’t do it. Seriously. If you have a question about whether the content in the pop-up is legitimate, navigate directly to the trusted site and see if you can find more information there.

But don’t click the pop-up. Get an adblocker to help with limiting the amount you see these.

Don’t shop on public WiFi. Man-in-the-middle attacking is very common on public hotspots someone might use in a restaurant, café, large retail store, or shopping mall. This type of attack allows a thief to position himself between you and a legitimate recipient, like an online store, and intercept all of the data you and the target send back and forth, including names, addresses, and credit card information.

But this is just the start of how a thief can wreck you via an unsecure public WiFi connection. So don’t shop on a public connection ever. Save all of your digital purchases for at home on a connection you trust.

Fake phone apps. If you use store apps or shopping apps to do your online shopping this year, be on the lookout for fake phone apps. Once downloaded, these apps are nothing more than malware and skimmers, swiping any information you have stored in your phone or enter into your phone later when making future logins or purchases.

These apps will also often ask you to log into your social media or other online accounts to proceed with use–don’t ever log into anything that prompts you to use your unrelated social media, email, or bank credentials in order to proceed with using the service.

These are just some of the biggest things to watch out for as you shop today and the rest of the holiday season, but the list could go on and on.

Here are some very helpful videos about other risks and red flags you can be watching out for as you do your Christmas shopping online:

Medicare and prescription drug scammers taking advantage of seniors

Massachusetts Attorney General Maura Healey wants seniors to be on guard for scammers looking to bilk money and personal information from older Americans and Medicare beneficiaries.

The Consumer Resources section of the website sounds the alarm on a variety of scams and identity theft tactics used within the state, but among them is a warning bulletin on Medicare scams acutely targeting senior citizens.

But even if you aren’t a resident of the Bay State, Medicare scams, like many scams affecting seniors, are only increasing across the country, so it’s wise to be on the lookout no matter where you live.

According the site, though these scams come in a few different flavors, most rely heavily on social engineering techniques to convince a victim to provide sensitive information for the purpose of identity theft.

These con-artists will call, mail, or otherwise contact their victims with bogus credentials, phony official documents, and say anything they need to convince the target to give up information–including threatening the target with loss of Medicare benefits if he doesn’t sign up for a drug benefit and promising prizes or money for signing up to some new drug plan.

The problem is those taken in by these scams don’t know Medicare will NEVER call and ask you for your personal information–nor does your enrollment in Medicare prescription benefits affect your other benefits one iota–and they don’t know promising cash and prizes for enrolling in a drug plan is highly illegal.

Just knowing these simple facts, however, could spare the next potential victim from financial heartbreak.

The Attorney General’s official website offers several ways you can spot a Medicare scammer before you’ve been taken for a ride, as well as some of the most common ways Medicare scammers try to take advantage of seniors.

Napa County DA: beware of fraudsters filing for your benefits


In a report Thursday from the Napa Valley Register, Napa County District Attorney Allison Haley confirms multiple Napa County residents reported receiving letters from the Social Security Administration confirming a Social Security benefit claim has been made under their Social Security number.

The problem is none of these residents filed any claims for their benefits yet.

According to Haley, the letters coming from the Administration are unfortunately legitimate–meaning someone somewhere has obtained the personal information necessary to file a claim in these individuals’ names in an attempt to rob them of their benefit payments:

“If you received a letter in the mail from the Social Security Administration (SSA) stating that you filed a claim for Social Security benefits, and you have not filed a claim for benefits, then someone is using your personal identifying information to file a fraudulent claim.”

How this information was obtained isn’t made clear in the report, but as we’ve written numerous times, the ways a would-be Social Security thief could get this information from a victim are practically endless. And sometimes incredibly easy.

Haley warns Napa, California residents to be on the look-out if they receive any communication from the SSA regarding benefit filing if they haven’t yet filed. It may mean their identities have been stolen or sold, as well.

The DA recommends if you see something like this in your mailbox, contact the police, file an identity theft report, and report the suspect theft to the major credit bureaus to prevent further damage to your identity.

You should also contact the Office of the Inspector General at the Social Security Administration right away.