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Home Security And Safety Tips For Grandma & Grandpa

1/26/2023

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Colorado Springs Elderly Private Investigator
 Senior citizens, unfortunately, are the most targeted segment of society by criminals/fraudsters. During my 24+ years in federal law enforcement, I had many cases where senior citizens contacted us with information regarding this scam or that one. Unfortunately, often by the time I got involved their money or property was long gone along with the criminal who fleeced them. Not only do the dregs of society target senior’s wallets, but they also target their homes. Grandma & grandpa have a high rate of fear of being victimized, and rightfully so, and can easily fall into isolating themselves as a means of protection. 

Why are seniors more vulnerable to being taken advantage of? There are many reasons including the fact that many of them live in isolated conditions and may not get the kind of communication with others that they can run things by. Senior citizens also have, naturally, a decline in their cognitive and physical abilities to varying degrees and may not know about the latest technological advancements, such as residential security systems which could make them safer and less prone to being taken advantage of. 

The FBI lists the following schemes that senior citizens should be aware of:

Health Care Fraud or Health Insurance Fraud

Medical Equipment Fraud

Equipment manufacturers offer “free” products to individuals. Insurers are then charged for products that were not needed and/or may not have been delivered.

“Rolling Lab” Schemes

Unnecessary and sometimes fake tests are given to individuals at health clubs, retirement homes, or shopping malls and billed to insurance companies or Medicare.

Services Not Performed

Customers or providers bill insurers for services never rendered by changing bills or submitting fake ones.

Medicare Fraud

Medicare fraud can take the form of any of the health insurance frauds described above. Senior citizens are frequent targets of Medicare schemes, especially by medical equipment manufacturers and distributors who offer seniors free medical products in exchange for their Medicare numbers. Because a physician has to sign a form certifying that equipment or testing is needed before Medicare pays for it, con artists fake signatures or bribe corrupt doctors to sign the forms. Once a signature is in place, the manufacturers bill Medicare for merchandise or service that was not needed or was not ordered.

Tips for Avoiding Health Care Fraud or Health Insurance Fraud:

• Never sign blank insurance claim forms.

• Never give blanket authorization to a medical provider to bill for services rendered.

• Ask your medical providers what they will charge and what you will be expected to pay out-of-pocket.

• Carefully review your insurer’s explanation of the benefits statement. Call your insurer and provider if you have questions.

• Do not do business with door-to-door or telephone salespeople who tell you that services of medical equipment are free.

• Give your insurance/Medicare identification only to those who have provided you with medical services.

• Keep accurate records of all health care appointments.

• Know if your physician ordered equipment for you

Counterfeit Prescription Drugs

Tips for Avoiding Counterfeit Prescription Drugs:

• Be mindful of appearance. Closely examine the packaging and lot numbers of prescription drugs and be alert to any changes from one prescription to the next.

• Consult your pharmacist or physician if your prescription drug looks suspicious.

• Alert your pharmacist and physician immediately if your medication causes adverse side effects or if your condition does not improve.

• Use caution when purchasing drugs on the Internet. Do not purchase medications from unlicensed online distributors or those who sell medications without a prescription. Reputable online pharmacies will have a seal of approval called the Verified Internet Pharmacy Practice Site (VIPPS), provided by the Association of Boards of Pharmacy in the United States.

• Be aware that product promotions or cost reductions and other “special deals” may be associated with counterfeit product promotion.

Funeral and Cemetery Fraud

Tips for Avoiding Funeral and Cemetery Fraud:

▪ Be an informed consumer. Take time to call and shop around before making a purchase. Take a friend with you who may offer some perspective to help make difficult decisions. Funeral homes are required to provide detailed general price lists over the telephone or in writing.

▪ Educate yourself fully about caskets before you buy one, and understand that caskets are not required for direct cremations.

▪ Understand the difference between funeral home basic fees for professional services and any fees for additional services.

▪ Know that embalming rules are governed by state law and that embalming is not legally required for direct cremations.

▪ Carefully read all contracts and purchasing agreements before signing and make certain that all of your requirements have been put in writing.

▪ Make sure you understand all contract cancellation and refund terms, as well as your portability options for transferring your contract to other funeral homes.

▪ Before you consider prepaying, make sure you are well informed. When you do make a plan for yourself, share your specific wishes with those close to you.

▪ As a general rule governing all of your interactions as a consumer, do not allow yourself to be pressured into making purchases, signing contracts, or committing funds. These decisions are yours and yours alone.

Fraudulent “Anti-Aging” Products

Tips for Avoiding Fraudulent “Anti-Aging” Products:

▪ If it sounds too good to be true, it probably is. Watch out for “Secret Formulas” or “Breakthroughs.”

▪ Don’t be afraid to ask questions about the product. Find out exactly what it should and should not do for you.

▪ Research a product thoroughly before buying it. Call the Better Business Bureau to find out if other people have complained about the product.

▪ Be wary of products that claim to cure a wide variety of illnesses—particularly serious ones—that don’t appear to be related.

▪ Be aware that testimonials and/or celebrity endorsements are often misleading.

▪ Be very careful of products that are marketed as having no side effects.

▪ Question products that are advertised as making visits to a physician unnecessary.

▪ Always consult your doctor before taking any dietary or nutritional supplement.

Telemarketing Fraud

If you are age 60 or older—and especially if you are an older woman living alone—you may be a special target of people who sell bogus products and services by telephone. Telemarketing scams often involve offers of free prizes, low-cost vitamins and health care products, and inexpensive vacations. There are warning signs to these scams. If you hear these—or similar—“lines” from a telephone salesperson, just say “no thank you,” and hang up the telephone:

▪ “You must act now, or the offer won’t be good.”

▪ “You’ve won a free gift, vacation, or prize.” But you have to pay for “postage and handling” or other charges.

▪ “You must send money, give a credit card or bank account number, or have a check picked up by courier.” You may hear this before you have had a chance to consider the offer carefully.

▪ “You don’t need to check out the company with anyone.” The callers say you do not need to speak to anyone, including your family, lawyer, accountant, local Better Business Bureau, or consumer protection agency.

▪ “You don’t need any written information about the company or its references.”

▪ “You can’t afford to miss this high-profit, no-risk offer.”

Tips for Avoiding Telemarketing Fraud:

It’s very difficult to get your money back if you’ve been cheated over the telephone. Before you buy anything by telephone, remember:

▪ Don’t buy from an unfamiliar company. Legitimate businesses understand that you want more information about their company and are happy to comply.

▪ Always ask for and wait until you receive written material about any offer or charity. If you get brochures about costly investments, ask someone whose financial advice you trust to review them. But, unfortunately, beware—not everything written down is true.

▪ Always check out unfamiliar companies with your local consumer protection agency, Better Business Bureau, state attorney general, the National Fraud Information Center, or other watchdog groups. Unfortunately, not all bad businesses can be identified through these organizations.

▪ Obtain a salesperson’s name, business identity, telephone number, street address, mailing address, and business license number before you transact business. Some con artists give out false names, telephone numbers, addresses, and business license numbers. Verify the accuracy of these items.

▪ Before you give money to a charity or make an investment, find out what percentage of the money is paid in commissions and what percentage actually goes to the charity or investment.

▪ Before you send money, ask yourself a simple question. “What guarantee do I really have that this solicitor will use my money in the manner we agreed upon?”

▪ Don’t pay in advance for services. Pay services only after they are delivered.

▪ Be wary of companies that want to send a messenger to your home to pick up money, claiming it is part of their service to you. In reality, they are taking your money without leaving any trace of who they are or where they can be reached.

▪ Always take your time making a decision. Legitimate companies won’t pressure you to make a snap decision.

▪ Don’t pay for a “free prize.” If a caller tells you the payment is for taxes, he or she is violating federal law.

▪ Before you receive your next sales pitch, decide what your limits are—the kinds of financial information you will and won’t give out on the telephone.

▪ Be sure to talk over big investments offered by telephone salespeople with a trusted friend, family member, or financial advisor. It’s never rude to wait and think about an offer.

▪ Never respond to an offer you don’t understand thoroughly.

▪ Never send money or give out personal information such as credit card numbers and expiration dates, bank account numbers, dates of birth, or social security numbers to unfamiliar companies or unknown persons.

▪ Be aware that your personal information is often brokered to telemarketers through third parties.

▪ If you have been victimized once, be wary of persons who call offering to help you recover your losses for a fee paid in advance.

▪ If you have information about a fraud, report it to state, local, or federal law enforcement agencies.

Internet Fraud

As web use among senior citizens increases, so does their chances to fall victim to Internet fraud. Internet Fraud includes non-delivery of items ordered online and credit and debit card scams. 

Investment Schemes

As they plan for retirement, senior citizens may fall victim to investment schemes. These may include advance fee schemes, prime bank note schemes, pyramid schemes, and Nigerian letter fraud schemes. 

Reverse Mortgage Scams

The FBI and the U.S. Department of Housing and Urban Development Office of Inspector General (HUD-OIG) urge consumers, especially senior citizens, to be vigilant when seeking reverse mortgage products. Reverse mortgages, also known as home equity conversion mortgages (HECM), have increased more than 1,300 percent between 1999 and 2008, creating significant opportunities for fraud perpetrators.

Reverse mortgage scams are engineered by unscrupulous professionals in a multitude of real estate, financial services, and related companies to steal the equity from the property of unsuspecting senior citizens or to use these seniors to unwittingly aid the fraudsters in stealing equity from a flipped property.

In many of the reported scams, victim seniors are offered free homes, investment opportunities, and foreclosure or refinance assistance. They are also used as straw buyers in property flipping scams. Seniors are frequently targeted through local churches and investment seminars, as well as television, radio, billboard, and mailer advertisements.

A legitimate HECM loan product is insured by the Federal Housing Authority. It enables eligible homeowners to access the equity in their homes by providing funds without incurring a monthly payment. Eligible borrowers must be 62 years or older who occupy their property as their primary residence and who own their property or have a small mortgage balance. 


Tips for Avoiding Reverse Mortgage Scams:

▪ Do not respond to unsolicited advertisements.

▪ Be suspicious of anyone claiming that you can own a home with no down payment.

▪ Do not sign anything that you do not fully understand.

▪ Do not accept payment from individuals for a home you did not purchase.

▪ Seek out your own reverse mortgage counselor.

Many seniors grew up in a time when their families left their doors unlocked and never had to worry about someone breaking in but, unfortunately, those days are long gone. No matter how safe the neighborhood they live in is, even a gated community, there are certain precautions grandmas and grandpas should take:

• Make sure all doors and windows remained locked at all times.

• Make sure every externally facing door has some type of peephole. I also recommend the Ring video doorbell for seniors as they can see who is at the door and be notified before someone actually reaches the door. 

• Make sure all exterior doors are made of solid materials such as metal or wood. As part of those, make sure that extra long screws are used in the strike plate and that security door pins are also in place.

• Make sure windows that could be potentially breached, have security film on them, which makes it much harder to break. I’m seeing this used more and more and not just on senior citizen’s residences. 

• Make sure any gates leading to fenced in areas are always locked and secure. I recommend using a good padlock with a key. Combination locks will also work, but a senior citizen will have to remember the code and who needs another number to remember?

• Make sure that grandma/grandpa always answers a door with a telephone in hand. If they absolutely must open the door they can tell whoever is on the doorstep that they are on a call. This will give any burglar or other creep pause and will usually be enough to make them move on to another target.

• Remember the good old days when you could leave a key outside under the rug or under a flowerpot? Forget them! Those days are over. Never leave a key outside. They are far too easy to find and you’re just providing a key to your castle. It’s much better to leave one with a trusted neighbor.

• Make sure grandma and/or grandpa have a home security system. This, alone, will provide peace of mind and really is a must in my opinion. Home security systems can also be tied in with medical alert systems that a senior citizen can activate should they have an accident or fall in their home.

• Make sure that all of your exterior lighting has motion detection capabilities. I recently wrote an article, here, about how motion sensors work if interested. Motion detector exterior lighting is a great way to keep burglars from operating in the dark. I also recommend making sure any entry pathway is covered by these types of lighting. They are readily available and can be purchased and installed for less than $100 in most cases
.
• Whenever leaving your residence, make sure you do two things. Arm your security system! You’d be surprised how many people don’t arm them and thieves know this. And leave a television or radio on to give the appearance that someone may be home. 

I hope these security tips will make grandma and grandpa just a little more secure as they go through their daily lives.

If your a senior who would like advise on any of the topics listed, or just have a question about anything, please give us a call. We offer security assessments of residences/businesses and can work with you to make things more secure. We also offer presentations to senior citizen groups on a regular basis and would love to present to your group.
​
At your service.

Lee Walters
President/Lead Investigator
EXCALIBUR Private Investigation
719.208.4088
​Colorado Springs, Colorado
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THE HOLLYWOOD CON

11/28/2022

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Zach Horowitz Con Man investigation
Colorado Springs, Colorado

Having worked more white collar fraud cases than I can count, I'm always intrigued that new con men are able to convince people to part with hard earned money. The one common denominator that I've found is present in every one of these cases are the "friends and family" hook. The guy above, Zach Horowitz, also known as Zach Avery, used that hook to scam money from a variety of people under the guise that he was buying the rights to movies and then leasing those rights to HBO, Netflix, primarily, and other streaming services. Needless to say none of these services had ever heard of the guy which a little due diligence on the part of the victims could have figured that out early in the con. This guy ran a typical Ponzi scheme that caught up with him as all Ponzi schemes do.

What is a Ponzi scheme? The dictionary defines a Ponzi scheme as:

"a form of fraud in which belief in the success of a nonexistent enterprise is fostered by the payment of quick returns to the first investors from money invested by later investors".

Once Zach Horowitz got those first investors on board, all family and friends, promising returns of 42% after 9 months (a red flag if I've ever seen one), he would repay the initial investors with money coming in from new investors. I'm always bewildered that people think there are investments that pay 42%, or more, in a short period of time with no risk. In the end over $600 million was scammed in this Ponzi scheme with some $200 million still unaccounted for.

Don't think that schemes such as these are ongoing here in Colorado? Don't be too sure. In the last three weeks I've been introduced to individuals, who didn't know my background, pitching investments that are too good to be true and will, ultimately, lead to loss of investment funds. In both instances I gathered as much information as I could about the principles and shared with a local detective I know so that she could be on the lookout for potential victims. 

If someone approaches you with an investment that just seems too good to be true, contact me or one of my investigators and let us conduct due diligence on your behalf. 

Lee Walters
President
EXCALIBUR Private Investigation
​719.208.4088
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SKandal! Bringing Down Wirecard

10/22/2022

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As someone who's worked literally hundreds of white collar crime fraud cases, bank fraud, wire fraud, con games, you name it, whenever I come across a documentary of that type of crime I'm drawn to it. Often times the documentary doesn't do the investigation justice, but over the last two days I had a chance to watch Skandal! Bringing Down Wirecard on Netflix and it's an excellent treatment of how a long-running, fraudulent business, was a German FinTech darling when it was actually a fraud scheme all along.

I have to admit, I had never heard of Wirecard until watching this but, for those of you not familiar with them as I wasn't, they were selling themselves as the PayPal, Zelle, etc of Europe. Not to give away too much, but there's all kinds of intrigue. Spies, lots of private investigators, at one point the company had 28 PI's on their payroll looking into reporters and others writing negative articles and short selling their stock, and foreign agents from numerous countries.

As with all cons, even people who think there's something fishy going on, will dismiss their doubts under the misguided thinking that this government agency or that government agency is surely monitoring the company. When I hear that I laugh and promptly think of Bernie Madoff and how the Securities and Exchange Commission wqw asleep at the wheel for years. And take my word for it, there are still fraudulent companies operating as we speak even though our investigative agencies, who should be on the lookout for these, seem to be more interested in solving everything but true crime these days.

If you have Netflix I can strongly recommend this one as it will have you on the edge of your seat the entirety of the film.

About to enter into a large investment, partnership, or other business arrangement? Invest a few dollars and have a background investigation completed of all the principles and have some business intelligence conducted to see if everything that's being presented is really as it's being presented. Our Colorado based professional private investigators will either verify what is being presented as true, or save you from making a large financial mistake that could be devastating. We also have a forensic accountant on staff who can dig through those financials to see if they are a true reporting of the financial health of the company. Call us today to discuss your needs.

Lee Walters
President
EXCALIBUR Private Investigation
​719.208.4088
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COLORADO PASSES UPDATED FALSE CLAIMS ACT

6/10/2022

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False Claims Act in Colorado
As a firm that's worked with many whistleblowers and been responsible for developing numerous False Claims Act/Qui tam cases, we were happy to learn that the State of Colorado has finally updated the state's False Claims Act. Prior to this new law being passed, whistleblowers could only file a Qui tam if it involved State Medicaid funds. It never made sense to us that whistleblowers who knew about other potential False Claims cases, couldn't file in Colorado unless it involved fraudulent use of Medicaid funds and now that's been corrected.

Many of you may be wondering what a False Claims Act/Qui tam case is. It's actually been around since the Civil War and was originally known as the Lincoln Law. During the Civil War President Abraham Lincoln spearheaded a law, which became the False Claims Act, that said anyone who had information that the U.S. Government was being defrauded could bring a lawsuit on behalf of the United States. If the government clawed back any amount of monies from the fraudster, the whistleblower, also known as the Relator, would get a percentage of the recovery, normally 15 - 30%. Not a bad deal for doing the right thing and reporting fraud. This law was spurred on by unscrupulous business men selling lame horses and spoiled food to the Union army.

“The False Claims Act is the most successful anti-fraud law protecting taxpayers and preventing corruption in government programs,” said leading whistleblower attorney Stephen M. Kohn of Kohn, Kohn & Colapinto. “Colorado stands to generate billions in revenues by policing fraud in government sponsored programs, both by deterring violations and holding fraudsters accountable. The Colorado lawmakers who have made these improvements possible should be commended.”

The CFCA was cosponsored by Representative Matt Gray, Representative Mike Weissman, and Senator Faith Winter. The law enhances enforcement efforts against individuals and companies who fraudulently use taxpayer dollars. Types of frauds covered by the CFCA include the submission of false or fraudulent claims to state or local governments and the falsification of records material to false claims. The CFCA greatly expands the types of contracting frauds which whistleblowers may bring forth qui tam suits over.

The federal False Claims Act has been described as “the most powerful tool the American people have to protect the government from fraud.” Since the law was modernized in 1986, False Claims Act whistleblowers have allowed the government to recover over $70 billion. Correspondingly, False Claim Act whistleblowers have received over $8 billion.

If you have information of fraudulent activity involving state of Colorado funds, or U.S. funds for that matter, contact us and we can provide advice on what's the best way to handle your case. We have relationships with several top law firms in the country and can work with you to make sure your case is handled by a firm that has the best chance of getting the government to intervene in the case and take it to fruition.

Lee Walters
President
EXCALIBUR Private Investigation
Colorado Springs, Colorado
719.208.4088


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Oh No, Not A Fake QR Code!! Be On The Lookout

4/25/2022

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Picture
This story recently released by the FBI and ABC7 News in Chicago caught our attention and we thought we'd pass it on so everyone can be on the lookout for it:
 
"QR codes are everywhere. You can quickly scan them with your phone to read a restaurant menu, get a new app, or go to a website. But there are QR con artists using the new tech to get your banking information or hold your smartphone hostage.

"They can get into every account you have if they have enough time," says FBI Special Agent Siobhan Johnson. 

The FBI issued a QR code warning that says criminals are putting stickers of fake QR codes over the real ones on restaurant tables or flyers. They're also sending them out via email claiming to offer deals or promotions.

"You might find this malicious QR code on a menu or on a flyer someone's put out for people to see," Johnson explained. "And once you use that QR code, it takes you to a malicious website that's been designed to mirror a real one."

That first QR code scam leads you to fake websites which phish for your personal and financial information. Some sites can be made to look like your bank or phony parking payment platforms.

"One of two things could happen - one is, you're just sending scammers your parking meter money, which that's actually the best case scenario," warns Mashable Technology Journalist Matt Binder. "The worst-case scenario is when you input your information to pay, and you're not actually paying, you're just sending over your credit card information or banking account information to the scammers."

The FBI says a second QR code scam can lead you to websites which can then download malicious malware to obtain information on your phone. That malware can also allow scammers to hold your device hostage and demand payment. If this happens, you should report it to the FBI and never pay the ransom.

"If your phone downloads that malware, you're at the mercy of the scammers, they could hold your information for ransom. Or they could just shut your phone down. They could steal photographs that are on that phone. You have a lot of vulnerabilities, our cell phones our lives right now," Binder said.

So what can you do to spot QR con? First, don't open codes sent from strangers.

"Treat QR codes like you treat suspicious phishing emails, or text messages from people you don't know," advises Binder.

Even if your friend sends you a QR code, confirm that it was really them sending it. If it's an e-mail with a code from a business, call the company or go to their website. And after you scan, inspect the web address before you click.

"Just double check the URL and where it's going to send you," Binder added. "If you don't know who they are, I would definitely not click it."

If printed out, look for any signs of the QR code being tampered with, or keep an eye out for a sticker over it.

"There have absolutely been reports of people being victimized with bad QR codes," Johnson said. "And the key thing here is that it doesn't have to happen."

The FBI also says to beware of phony QR code apps claiming to help read QR codes as they can also be a scam. If you download them before researching, they can be gateways for criminals to access your phone and information."


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HELP. SOMEONE STOLE MY IDENTITY!!!

4/12/2022

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Identity theft in Colorado
From 2018 - 2020 there were 1.66 million cases of identity fraud reported to authorities. Who knows how many went unreported because the victim was too ashamed or embarrassed to admit they had been a victim of identity fraud. What can the average person do to keep their identities from being stolen? Here's a couple of ideas that we recommend to clients as well as friends and family:
  • Initiate a freeze on your credit. It's very easy to do and makes it much more of a challenge for a cybercriminal to steal your identity. Each of the three main credit bureaus, Equifax, Experian and TransUnion have information on their main website page that explains how you can place a freeze on your credit. Make sure to place a freeze on your kid's accounts as well as cybercriminals know those accounts are very rarely reviewed by the owners or their parents.

  • Place fraud alerts on your credit accounts. Anyone can place a fraud alert with the three aforementioned credit bureaus. You only have to place the alert with one of the three and then that credit bureau will instruct the other two to do the same. This will require a business to verify your identity before opening a new line of credit in your name.

  • Enroll in two-factor authentication. We know this can be a pain, but it's something you should enable on all your accounts when it's presented as an option. With this option, you'll have to enter your credentials and then follow up with a code, usually, that's texted or emailed to your known telephone number or email address. 

  • Review your accounts closely. Even with all of the above in place, you should monitor your credit reports and account statements closely. Don't just throw those unopened statements in a drawer thinking everything is fine and be sure to review your credit reports at least once a year, I recommend quarterly, to make sure nothing is amiss.

With a little precaution you can help ensure that you don't become a victim of identity theft. If you feel like you may have become a victim of identify theft, please give one of our Colorado-based private investigators a call for a free, no-obligation consultation. 

Lee Walters
President
​EXCALIBUR - Private Investigation
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PART VI: REAL ESTATE SCAMS

3/11/2022

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Real estate scams investigated by Colorado Springs private investigator
In our newest post on scams, some sobering statistics from the FBI in regards to real estate fraud:

Total financial loss in 2020: $213,196,082

Total United States victims in 2020: 13,638

Yes, you're reading those numbers right. Over $213 million lost to real estate scams in 2020 alone with over 13,500 victims. What type of real estate scams are the most prevalent? 

Loan flipping: it's a predatory practice that happens when a lender
convinces a homeowner to repeatedly refinance their mortgage, accruing high
fees and points with each refinance.

Escrow wire fraud:  where scammers, many times in other countries, infiltrate a legitimate real estate transaction and cause monies to be wired to accounts they control as if they are the closing company when, in fact, they aren't. Victims have reported that everything looks real, has the right names, numbers, addresses, etc, yet the account number for the wire transfer has been changed. Most victims never receive the lost funds back so this is one everyone should be aware of.

Escrow wire fraud investigated by private investigators in Colorado Springs, Colorado

SerRental scams: in this scam the conman places a rental listing on various real estate rental websites and takes a deposit for either a vacation or long-term rental for housing. There's been many cases where the renter shows up thinking they have this nice place to stay, only to learn that the occupants/owners have no idea what they are talking about. 

Moving scams: moving scams are also classified as real estate scams and they take many forms. We've seen so-called moving companies hold a truckload of household goods hostage for additional payments over and above what their "estimate" was. Make sure you use a well-known, stable company with a track record whenever moving from point A to B, even if it may cost you a little more than the ad on Craiglist you saw.

Homebuyers and real estate agents should be especially diligent. Keep
personal information secure, use licensed lenders and realtors for all
transactions, never pay upfront fees for home services, and educate yourself
on how to spot a scam. Be aware of anyone pressuring you to make quick
decisions, and be wary of improper documentation and requests for wire
transfers of large sums of money.

Never resist the temptation to not follow up when you have a funny feeling about something or when any large sums of money are involved. Check and double-check and get on the phone to verify everything or, better yet, go in person to make sure you don't become the victim of one of these real estate scams.

Lee Walters
EXCALIBUR Private Investigation
​719.208.4088
​Serving all of Colorado and beyond
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BOA fraud right here in the Springs!

2/23/2022

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Fraud Investigation Bank of America Colorado Springs Investigator
It's almost like scammers read our last post about the Zelle and Wells Fargo scam, but didn't believe anyone read it. Including us! Our lead investigator received this text first thing this morning about their Bank of America debit card, they actually don't have one, and the fraud that had occurred along with the "restriction" that has been placed on their card. Two things to note on this text message: 1. It came from 804-215-6923 which a quick Google search showed that the scammer didn't even bother to spoof the number to make it look like it came from Bank of America even though it's most likely not the true number this text came from. Lazy scammer!!! 2. The number the recipient is supposed to call is also not a Bank of America number. I'm guessing this is a scammer who's just starting out as those are two things that could easily be made to look like BofA was calling.

Don't fall for this scam. If you have, or any other scam, please give us a call to see how we can assist.


EXCALIBUR Private Investigation
​719.208.4088
​Serving all of Colorado and beyond
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!!!!!SCAM ALERT!!!!!

2/20/2022

0 Comments

 
Bank Scams investigated by Colorado Springs Private Investigator
The Zelle text scam has reared its ugly head again! First it was Bank of America customers, now Wells Fargo customers are being targeted. If you receive this text, or something similar purportedly from your bank, delete and block the number immediately. THIS IS NOTHING BUT A SCAM!!! How does it work? Like this:

The mark, or victim, receives the text, or something very similar, from what looks like their bank. As soon as they reply NO they get a call on their cell phone. The victim is told by the "bank employee" that someone is withdrawing money from their account and that they need to go into their Zelle account and replace the number listed with their first name. The caller ID even shows the call is coming from Wells Fargo Fraud Protection or something else that looks official and like it's from the bank. The scammers are then able to withdraw as much money as the account contains as they have the keys to the castle namely the name listed as a Zelle recipient.  

How is the scammer able to be successful with this scam? First they play on people's fear of having their money stolen and the texts play on that fact. Second when the call comes in from "the bank" the scammers use a spoofing service that will display whatever the scammer wants it to display. Private investigators and law enforcement use these type of services quite often and they cost next to nothing to use. In some instances an astute victim has even Googled the person who claims to be from the bank and discovered that the name matches. All the con has done is a similar search themselves and knows to use a real bank employee's name when calling the victim.

​Unfortunately if you are the victim of this scam your chances of recovering the money are almost zero. The banks have no requirement to return stolen funds from scams like these so you must be aware that you're going to be out the money if you do.

Our Colorado Springs professional investigators have years of experience working all types of cons/scams. If you suspect someone is trying to con or scam you, please, please, give us a call before you move forward. A conversation doesn't cost a thing and we're more than happy to provide our opinion based on over thirty years of experience. Stay safe.


EXCALIBUR Private Investigation
Colorado Springs, Colorado
​Serving all of Colorado and beyond
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SECURITY TIP #3: BE ON THE LOOKOUT FOR THESE BEHAVIORS

2/13/2022

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Dating App Scam Investigator in Colorado Springs
Today's Security tip involves those of you who are on the various dating apps. It's an area we written about before, but we're revisiting it because there are so many victims of dating app scams that we want to make sure you don't have to contact one of our Colorado Springs private investigators after you've lost money. Statistics show that hundreds of people have recently lost $32 million in romance scams with 200 of those living in Colorado and Wyoming. The people most victimized are women over 40, the elderly, widowed, divorced or disabled people due to perceived, and real, vulnerabilities.

Some of the things you should look out for when getting involved with anyone you meet on a dating app:

1. The individual presses you to leave the dating app and turn solely to message or email and somewhat soon.

2. The individual uses a photo that appears to be a glamour shot or looks like it has been professionally done. We've seen scammers download photos of unknown professionals, usually men, that have been professionally done. At EXCALIBUR Legal Support - Private Investigation we use proprietary software to scan the internet and dark web to find if a photo has ever been used before. In one case we were able to show our client that the photos of a guy claiming to live in northern California and working on an oil rig, were actually photos of the CEO of Coca-Cola Europe.

3. The individual professes love quickly, much more quickly than if you met in person somewhere.

4. The individual attempts to isolate you from friends and family. These scammers don't want any other party to be able to point out inconsistencies in their stories.

5. The individual claims to live or work far away. We've seen numerous scammers claim to be working on oil rigs or in the Middle East in the oil or gold business. Not sure why these two professions are chosen by scammers, but they are.

6. The individual makes plans to meet in person, but always cancels because of some emergency. Along with this, the scammer will always have an excuse why they can't get on a Skype or other video call. If you want to test early on if a person is who they claim they are, demand they get on a video call. A scammer will never agree to that. Or if they provide an excuse why they can't get on a video call, their computer doesn't have a camera, etc., etc., then have them take a photo of themselves holding a sign with your name and current date handwritten on it. A scammer will also never agree to this as you'd then see the photos on their profile are fake.

7. The individual asks you for money. That's all of these scammer's ultimate goal. To separate you from your money. Sometimes they will wait 6 to 8 months before asking to "borrow" money or they will claim their account is frozen and they can't pay for the ticket to come and see you in person. Believe me, we've heard it all.

Think you're talking with someone legitimate on ____________ fill-in-the-blank dating app, but your spidey senses are tingling? Contact us and let us vet the person you're in contact with. You've got nothing to lose and will gain peace of mind knowing if they are who they say they are.

Lee Walters
President
EXCALIBUR Private Investigation
Colorado Springs, Colorado
​Serving all of Colorado and beyond
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