Being a responsible consumer in the year 2019 means educating yourself—not just on the products and services—but of the ways scammers and thieves exploit consumer behavior for their own financial gain. As technology advances with the convenience of SMS text messaging as a security feature, financial applications that put your finances at your fingertips, and the tangled world wide web, consumer fraud scams will only continue to mutate and evolve. Here are five of the most common types of consumer fraud scams to avoid in 2019.
According to the Federal Bureau of Investigation’s Financial Fraud Unit, mortgage fraud exploits a consumer’s fear of losing their home to make a quick buck. Mortgage fraud schemes come in many forms, including but not limited to equity skimming, loan modifications, and foreclosure rescue schemes. The perpetrators behind these schemes are often former real estate professionals who use their intimate knowledge of mortgages to swindle homeowners in distress. Real estate agents who are currently employed can exploit their authority to bolster the validity of their scheme. The FBI and FTC advise that consumers should be wary of any unsolicited phone calls, emails, regarding their home finances, and never sign any paperwork or documentation that they do not fully comprehend.
Debit Card Fraud
Debit card fraud occurs when an individual’s debit card information is obtained to make fraudulent purchases. Debit card fraud is one of the most difficult schemes to avoid in day-to-day life, because so many Americans have gradually transitioned from carrying cash to carrying only their debit card as means of legal tender. Anyone with access to the debit card’s information—including the businesses and vendors we trust every day—can pull this information to commit a fraud. Unfortunately, the only recourse consumers have in protecting themselves is to avoid letting their card ever leave their sight, and to keep a watchful eye on their accounts and report any suspicious activity.
Perhaps one of the most despicable types of consumer fraud is charity fraud. Scammers set up shell organizations to receive donations that do not go to those in need, but rather line the scammer’s pockets. Frauds of these type spike significantly during the holidays and in the wake of natural disasters in order to exploit humankind’s benevolence. The name of the game with charities is research. Any charity worth its salt is going to stand up to a great deal of due-diligence and fact-finding. Part of being a responsible consumer is knowing where your money is going.
Winning the lottery is a dream of many Americans, with fantasies of kicking back and never having to put in another hard day’s work for the rest of their lives. Despite the wide range of demographics with these dreams, lottery fraud scams usually effect senior citizens in the United States. The scam usually begins with a letter or email letting the individual know they have won. The correspondence usually includes details about fees that are involved with receiving their winnings. The FTC warns that individuals who have won a legitimate lottery prize of any kind should never have to pay a fee to collect their winnings, and consumers should be suspect of any unsolicited correspondence stating as such. Consumers should also be advised that United States law does not support the sale and transference of international lottery tickets, so any correspondence from international lotteries is most certainly a scam.
Studies by Javelin Strategy & Research conducted over the last seven years indicate that in 2017, there were as many as 16.7 million Americans impacted by identity fraud, with $16.8 million in stolen funds and assets. Identity theft can be committed for a number of reasons. Perpetrators can steal an individual’s information with the purpose of starting over again under a different name, or to escape their creditors. Most commonly, however, identity fraud is simply committed with the explicit purpose of stealing money from American consumers. Once a scammer has an individual’s identifying information, like dates of birth, Social Security numbers, and their mother’s maiden name, they can use that data to make fraudulent purchases in the victim’s name, withdraw funds from their bank accounts, and destroy their credit, leaving them financially arrested. The aftermath of identity fraud is devastating and can cause shockwaves across decades with exponential consequences.
If you have been the victim of a consumer fraud scam, contact a private investigator today to learn how their unique set of skills and professional autonomy can help you locate the scammer in your midst. Call Lauth Investigations International today for a free consultation (317-951-1100) and a simple solution to your consumer crisis.
Carie McMichael is the Media and Communications Specialist for Lauth Investigations International. She regularly writes on investigation, fraud, and missing persons topics. For more information, please visit our website.
After the Recovery of Jayme Closs,
Parents Concerned for Own Children’s Safety
Jayme Closs vanished October 15, 2018 and found alive 88-days later in rural Wisconsin. Photo courtesy WOKV TV.
The recent disappearance of Jayme Closs, 13, and the brutal murder of her parents, gripped the nation for nearly 3 months. Jayme’s abduction, and eventual recovery, has parents now wondering how safe their own children are when traveling to and from school.
On October 15, 2018, Barron Sheriff’s Department received a cell phone call from a local residence but were unable to make contact with the caller. We now know that urgent call came from Denise Closs, 46, just moments before she was brutally murdered in front of her own daughter and just following the murder of her husband James, 56.
Police arrived within minutes of the 911 call made from the home.
When police arrived at the Closs home, outside of Barron, WI, they found both parents deceased from gunshot wounds. Jayme was missing.
For months, law enforcement conducted searches looking for the missing 13-year old, puzzled as to why the perpetrator had murdered both of Jayme’s parents in the home, but not Jayme.
According to Jack Levin, professor and co-director of Northeastern University’s Center on Violence and Conflict, it’s unusual for a double murder to be linked to a missing child case. “You almost never see this,” Levin said.
The Closs home sits along Highway 8, a two-lane highway outside of Barron, surrounded by woods. The highway is the main road through the city and then extends to surrounding areas.
Day, weeks, and months went by with no sign of Jayme, then 88 days after her disappearance Jayme made her escape.
Former Attorney General and Judge Brad Schimel, who led the Wisconsin Department of Justice investigation of the Closs case, says investigators always had reason to believe Jayme was alive.
After her recovery, Jayme told police she could hear sirens seconds after being bound, gagged and kidnapped from her home. We find out now, the suspect, Jake Patterson, 21, even yielded to sheriff deputies when they were speeding to the Closs home. While Police Responded to the crime scene, Patterson made an 80-mile drive back to his home in Gordon, with Jayme in the trunk of his vehicle.
Immediately, Barron County Sheriff called in the Wisconsin Division of Criminal Investigation for help. “Within a matter of a couple hours, we can have 40 to 50 agents at the scene of a major investigation,” said Judge Brad Schimel.
CBS 58 Investigates sat down with Judge Schimel, who left office only four days before Jayme was found. “At what point did you stop thinking she might have been killed that night too?” CBS 58 Investigates asked Judge Schimel. “Well, when she didn’t turn up somewhere in a matter of couple days, then we had great hope,” Judge Schimel replied. He added after two people are so brutally murdered, taking the teen alive would be a liability and only made sense if the perpetrator intended on keeping her.
In addition, with hunting season and thousands of Wisconsin residents in the woods hunting, they had even more hope when there were no discoveries of bodies in the woods.
“We believed someone was holding her, which is not good,” said Judge Schimel. We knew that meant this was a very difficult life for her but being alive is a very good thing.”
According to a criminal complaint filed by investigators, Jayme’s kidnapper decided to abduct her after watching her get on a school bus. He was planning on hiding her at a remote cabin until she escaped on January 12, 2018.
Remote cabin where kidnapper Jake Patterson held Jayme Closs for 88 days. Photo courtesy Fox 11 News.
“At that moment,” he said, “he knew that was the girl he was going to take,” the complaint said.
Patterson went to Jayme’s house two times in the days before abducting her.
On the evening Jayme was abducted, Jayme told police, she was sleeping in her room when the family dog began barking. She woke her parents when she saw a car coming up the driveway.
According to the complaint, Jayme and her mother, Denise, hid in the bathroom. They both heard a gunshot, and she knew her father, James, had been killed.
Denise began calling 911 but Patterson broke down the bathroom door, told her to hang up and directed her to tape Jayme’s mouth shut. When Denise complied, Patterson shot her. Following, Patterson taped Jayme’s hands and ankles and dragged her out to his car, throwing her in the trunk and driving away as sirens began to sound, the complaint said.
Patterson had shaved his face and head as well as showered prior to the attack in an attempt to minimize DNA evidence. He dressed in all black. He took his license plates off his car and put stolen plates on while disconnecting the dome and trunk lights.
He took her to a cabin he claims was his, ordered her into a bedroom and told to take her clothes off, the complaint goes on to say.
He put her clothes in a bag and talked about having no evidence. Whenever he had friends over, he made clear that no one could know she was there or “bad things could happen to her,” so she had to hide under the bed.
He would stack totes, laundry bins and barbell weights around her so she could not move without him noticing. The complaint says Jayme was kept up to 12 hours at a time with no food, water or bathroom breaks.
Jayme escaped after Patterson made her go under the bed and told her he would be gone for five or six hours. Once gone, she pushed the bins away, crawled out, put on a pair of Patterson’s shoes and fled the house.
Barron County Sheriff holds picture of Jake Patterson, arrested for the kidnapping of Jayme Closs. Photo courtesy Mercury News.
Once found, Jayme described Patterson’s vehicle to police, and he was apprehended within 10 minutes of her escape being reported.
What Jayme went through while held, we may never know exactly, as the Douglas County District Attorney Mark Fruehauf said he does not anticipate filing charges against Patterson for crimes committed during her time in captivity.
“A prosecutor’s decision whether to file criminal charges involves the consideration of multiple factors, including the existence of other charges and victim-related concerns.”
Patterson faces two counts of intentional homicide, each carrying a mandatory sentence of life in prison without the possibility of release. Patterson will be back in court Feb 6, for a preliminary hearing.
Estimates of Missing Children Abducted by Strangers
The Federal Bureau of Investigation (FBI) estimates approximately 100 children are abducted by strangers every year. Referred to as a “stereotypical kidnapping,” the United States Department of Justice defines this type of kidnapping as 1) the victim is under the age of 18-years old, 2) the kidnapper is either a stranger or “slight acquaintance,” 3) the abduction involves moving the victim at least 20 feet or detaining them for at least one hour, and 4) the victim is either held for ransom, transported at least 50 miles, detained overnight, held with an intent to keep permanently, or killed.
While this may seem like a relatively low number of children abducted by strangers, it still amounts to thousands of children who, over the years, have been entered into the FBI National Crime Information Center (NCIC), and never been found.
In fact, during the months of January 2018 and May 2018, there were 3,468 children entered into NCIC as Involuntary. This missing person category includes cases of children who police have determined were taken involuntarily, but not enough evidence to make a determination if they were taken by strangers. *Source FBI NCIC Report
According to the FBI NCIC Report for May 31, 2018, there were 14,714 active missing child cases in the United States. Some of these cases date back 30 years and remain active because the missing child has never been found.
The Closs case may be unique in many respects but is not alone.
The Disappearance of Jaycee Dugard
It was June 10, 1991, in the peaceful town of Meyers, California, an unincorporated community in El Dorado County. Meyers sits along Route 50 in the northern Sierra Nevada mountains just 6 miles south of Lake Tahoe.
Jaycee Dugard vanished from her northern California bus stop on June 10, 1991 and found alive 18 years later. Photo courtesy of NMCO
Jaycee Dugard, 11, sporting pink tights and a white shirt with a printed “kitty cat” on the front, was walking from her home to a school bus stop when she was abducted.
As her stepfather, Carl Probyn, watched Jaycee walk up the hill to the bus stop something horrifying happened. Suddenly, a gray car stopped next to Jaycee. Through the window, Probyn saw an unidentified man roll down his car window and begin speaking to his stepdaughter.
Suddenly, Jaycee fell to the ground while a woman jumped out of the car and carried the fifth-grader into the car.
Probyn would tell police he had witnessed Jaycee’s kidnapping and actually gave chase with his mountain bike. Searches began immediately after Jaycee’s disappearance but generated no reliable leads despite the abduction being witnessed by a family member and the vehicle being described as a Mercury Monarch.
El Dorado Sheriff’s deputies, along with California Highway Patrol search for Jaycee after she was abducted by strangers while walking to her school bus stop in 1991. Photo courtesy CBS News.
Years passed, but Jaycee’s family never gave up hope they would find her, passing out tens of thousands of fliers and extensive national news coverage. The town of Meyers was even covered in pink ribbons to honor Jaycee’s favorite color.
In August 2009, convicted sex offender Philip Garrido, visited the Berkeley Campus at the University of California, accompanied by two young children. He was there to lobby for permission to lead a special event at the campus as part of his “God’s Desire Church” program. His unusual behavior at the meeting sparked an investigation that led Garrido’s parole officer to order him to take the two young girls to a parole office in Concord, Calif., on August 26, 2009. It was later ordered Garrido’s house be searched by police.
Area behind kidnapper Philip Garrido’s home where missing child Jaycee Dugard was found 18 years after her disappearance. Photo courtesy NY Daily News.
Police searched Garrido’s home in Antioch, Calif., near Oakland, approximately 3 hours southwest of Meyers, where Jaycee had vanished from 18 years earlier.
That incident led to the discovery of Jaycee who had been kidnapped by Garrido and his wife Nancy Garrido in 1991. For 18 years, Jaycee, age 29 when found, had been kept in concealed tents, a shed, and lean-tos, in an area behind the Garrido’s house in Antioch, Calif.
Garrido, a sociopath, and pedophile had kidnapped and raped a woman named Katherine Callaway Hall in 1976. He had also abducted Katherine from South Salt Lake Tahoe in a very similar manner to Jaycee’s kidnapping. Garrido was on parole for Katherine’s kidnapping when police stumbled upon Jaycee. She was alive.
In 1991, at Jaycee’s bus stop, Garrido had shocked Jaycee with a stun gun, she remembers feeling a tingling sensation and falling to the ground. Nancy Garrido acted as her husband’s accomplice scouting for young girls for her husband and the one who picked Jaycee up off the ground transporting her to the car on the day they abducted her.
During the 3-hour ride to Garrido’s home, Jaycee remembers falling in and out of consciousness and heard Nancy laughing saying, “I can’t believe we got away with this!” Knowing she was in danger, Jaycee had no way of knowing the hell, life was about to become.
Soundproof shed where missing child Jaycee Dugard was held captive in for 18 years, in Antioch, California. Photo courtesy BBC.
Once they arrived at the Garrido’s home, the pair forced Dugard to strip naked, with the exception of a butterfly ring she was wearing. They then blindfolded Jaycee and placed her in a soundproof shed he had in the backyard where he raped her for the first time, just 11 years old.
For the first week, Jaycee was kept handcuffed in the isolated shed, but things would get much worse.
A few weeks into the ordeal, Garrido brought Jaycee a TV but she was never allowed to watch the news because they did not want her to see the news frenzy surrounding her disappearance. She was only allowed to watch shows of people selling jewelry and found their voices calming, helping her sleep.
Frequently, Garrido would go on 24-hour methamphetamine binges which resulted in rape marathons. He would tell Jaycee dogs were outside the shed to scare her or tell her he was going to place her inside of a cage to keep her fearful of escaping.
While alone, Jaycee kept a journal to deal with her pain and wrote about how she wanted to see her mom. She always ended the note with her name “Jaycee” and a little heart beside. Nancy found the journal and forced Jaycee to tear out all of the pages with her name on them. It was the last time Jaycee was allowed to write or say her own name.
While in captivity Jaycee would give birth to two daughters. The first at age 13 who she named Angel. Jaycee would later explain that once giving birth she never felt alone again.
Jaycee gave birth to her second daughter “Starlit” in 1997.
She now had two daughters to protect.
Even while living in the worst of circumstances Jaycee managed to plant flowers and build a little school outside the shed where she homeschooled her daughters with her fifth-grade education.
For years, the three lived behind the 8-foot fences Garrido had built around his home to keep potential peeping neighbors at bay.
When Garrido had shown up at the campus that fateful day in August 2009 with two little girls, both “submissive and sullen,” Lisa Campbell, the special event s coordinator was concerned and asked him to return the following day. Garrido left his name on a form and left the campus. Campbell then informed an officer who conducted a background check on Garrido and discovered he was a registered sex offender on federal parole for kidnap and rape.
The wheels were now set in motion that would crack the decade’s long-missing child case wide open.
2009, the piece of paper Jaycee Dugard wrote her name on telling police officers who she is. Photo courtesy of NMCO.
Over the years, Jaycee had been directed by Garrido to tell people she was the girl’s big sister and to have Jaycee’s daughters refer to himself and Nancy as mom and dad. When questioned by officers, at first, Jaycee told them her name was Alyssa, claiming to be an abused mother from Michigan who had ran from a domestic violence situation to protect her daughters and living with the Garridos. Not buying the story, officers continued talking to her trying to glean more information. Eventually, Jaycee relaxed and would write her name on a piece of paper. Sliding it to police it said, “Jaycee Lee Dugard.”
Officers immediately asked her if she wanted to call her mom which she replied in disbelief, “Can I call my mom?” Jaycee’s first words to her mother in 18 years were “Come quick!”
Garrido pleaded guilty to kidnapping and raping Dugard and sentenced to 431 years to life at Corcoran State Prison and Nancy Garrido was sentenced to 36 years to life.
Jaycee is now the author of A Stolen Life: A Memoir and lives with her two daughters, reveling in her freedom.
While Jaycee Dugard and Jayme Closs were recovered, some children have not been so lucky.
Disappearance of Etan Patz
Etan Patz, 6, walked out of his New York City home in 1979 headed for his school bus stop just two blocks away in 1979 – and he’s never been found.
It was the last day of school before Memorial Day weekend. Etan had asked his parents to let him walk alone the short way to the bus stop for the first time. He carried his book bag and had a dollar to buy a soda at the corner deli on the way.
His parents were not aware of Etan’s disappearance until he had not returned from school. They would later find out the young boy had never made it to school.
Etan Patz vanished May 25, 1979 in NYC on his way to his school bus stop.
Police set up a Command Center at the Patz Manhattan apartment and began conducting ground searches and going door to door, but no solid leads have developed over the years that have led police closer to finding out what happened to him.
His disappearance rocked New York City and to this day haunts the law enforcement officers who have spent decades trying to find him. “Every missing child case is very important, but this was one of the oldest ones we had,” says NYPD Lieutenant Chris Zimmerman.
Etan was the first child placed on a milk carton, hundreds of thousands of fliers blanketed the country and countless new stories, all to no avail.
Etan’s disappearance became more than a missing person’s case but changed the way parents watched over their kids.
With stories like Etan’s and Jaycee, along with the recent disappearance and recovery of Jayme Closs by a predator who targeted her after watching her board a school bus, parents are again wondering what they can do to keep their children safe.
Safety 101 – Walking to and from school
Parents struggle with many things when it comes to the safety and security of their children. One question a parent may ask is how old is old enough to begin walking to and from school or to a bus stop alone.
There has been a huge drop in the number of kids who walk or ride their bike to school regularly. According to the National Center for Safe Routes to School, in 1969, 48% of K-8 grade walked or bicycled to school. By 2009, only 13% do.
While pedestrian injury rates are down since 1995 – mostly due to improvements made to traffic infrastructure, implementing the use of crossing guards and sidewalks, there are no statistics that allow for us to know the dangers of how many children are approached by strangers. How many predators are out there targeting our kids? Though statistically, the chances are relatively minimal your child will ever be abducted by a stranger, it does not lessen our responsibility as parents to protect them and prepare them for anything that “could” happen.
Gavin DeBeckers, author of “The Gift of Fear” and one of the leading experts on predicting and managing violence says there is no magic age when kids can walk or bike to and from school or bus stop.
You and only you can make the final decision on when your child is ready to walk alone. However, you can expect to see other children beginning this walk around age 9 to 11. DeBeckers says it depends upon cognitive skills, the ability to follow directions and reasoning, directing parents to ask themselves the following questions:
- Does your child honor his feelings? If someone makes them feel uncomfortable, that’s an important signal your child should react to.
- Does your child know when it’s okay to rebuff and/or defy adults?
- Does your child know it’s okay to be assertive?
- Does your child know it’s okay to ask for help?
- Does your child know how to choose who to ask?
- Does your child know how to describe his peril?
- Does your child know it is okay to strike, even injure, someone if he believes he’s in danger?
- Does your child know it’s okay to make noise, scream and run?
- Does your child know that is someone tries to force him to go somewhere, what he screams should include, “This is not my father?”
- Does your child know if someone tells them not to scream, the thing to do is to scream?
- Does your child know to make EVERY effort to resist going anywhere with someone he doesn’t know?
These questions should apply to your children of any age, even older children are vulnerable to abduction. Keeping in mind, Jaycee Dugard was abducted within the view of her parent, it is important to evaluate the route your child will take and choose the safe route between home and the bus stop/ and or school and practice walking it with your child until he demonstrates awareness.
Remind your children to:
- Stick to well-traveled streets, using the same route every day and always avoid shortcuts.
- Don’t wear clothes or shoes that restrict movement.
- Carry backpacks and bags close to their body.
- Don’t speak to strangers and ALWAYS tell a trusted school official, teacher, store clerk, policeman or another adult if someone has made them feel uncomfortable.
- Teach them to remember specific things about cars and people.
- Let them have a cell phone for emergencies (these can also be tracked by installing a simple and free App called Life 360), which is a locator, messaging and communication app. It is better to be safe than sorry.
Having children walk to and from school or a bus stop has its risks as well as benefits. We all know the risks. However, it is an important milestone in your child’s life and with that comes a sense of independence that comes with being permitted to walk alone or with friends to school or the bus stop. A sense of independence that they will carry throughout their lives and hindering that could stunt this important growth spurt of maturity.
Remember, we can provide our children with tools to keep themselves safe but the tools we teach them early on can also get them through the hardest of times in life.
In the case of both Jayme Closs and Jaycee Dugard, they relied on their innermost strength to survive the most horrific of circumstances. As parents, that’s all we can hope for.