ShutDown: Consumer Fraud Investigations Halted

by admin_lauth | Jan 17, 2019 | Consumer Fraud, Fraud, Fraud and Forgery Evergreen, Investigations, Resources, Tips & Facts

ShutDown: Consumer Fraud Investigations Halted

The United States government has been shut down for almost four weeks, sending shockwaves throughout a nation already gripped by tumultuous politics and controversial issues. In addition to institutions like the National Parks System, and the National Institute of Health, all federal employees have currently been laid off from duty, and a majority of their services suspended. The ripple effect is dizzying, with many of the governments services being on hold for the duration of the shutdown. Many consumers across the country are not aware of the shutdown’s impact on some of our nation’s best departments, so you can imagine their shock when they phoned to report a consumer complaint, and were told the government couldn’t help them.

When running normally, the government requires a wealth of quality communication to run smoothly. As many federal employees remain on furlough, therefore not being compensated, everyone’s level of communication with one another is atypical and—as many federal employees are called in without pay—constantly breaking down. The Consumer Financial Protection Bureau (CFPB) is the federal agency that fields the influx of consumer complaints. A consumer submits their complaint about a business or financial entity to the CFPB, which is reviewed. According to the CFPB, after the complaint is reviewed, “We’ll forward your complaint and any documents you provide to the company and work to get a response from them. If we find that another government agency would be better able to assist, we will forward your complaint to them and let you know.” The CFPB remains in operation and was not effected by the shutdown, but if the agency is ill-equipped to deal with the complaint, they may never get off the ground, as the appropriate department might be effected by the shutdown. This leaves many consumers displaced when it comes to voicing their concerns about products and services.

This suspension of protection services has allowed the beast of robo-calls to fester and become feral, as consumers cannot block or report harassing robo-calls. They’re left screaming into the void. Alex Quilici, the chief executive of YouMail—a smartphone application that helps consumers block robo-calls—describes it, “It’s a neighborhood with no police on the beat.” YouMail estimated, just last month, there were 5 billion robo-calls made, and 50% of calls made in early 2019 could be coming from scammers and robots attempting to fraudulently obtain your information. These horrifying statistics are the codas for a chorus of federal employees who are aware of the scope of the problem, like Jessica Rosenworcel, the Federal Communications Commission Commissioner, “The number of robo-calls consumers are receiving is insane. The problem just keeps growing. Shutting down the government is not going to help.” As of this moment, there is no one to administrate the “Do Not Call” list, the national registry in which consumers can ask specific companies not to contact them.

The Federal Communications Commission is just one of many threads woven into the Federal Trade Commission. Another voiceless victim of the shutdown is the victim of identity fraud. Louette Duvall is one of these victims. Not long after the holidays were over, Duvall’s car was pilfered by thieves while she was at her job. They made off with her purse, her briefcase, and a wealth of identifying information that amounted to a scammer’s treasure trove. Fraudulent charges started rolling in as she scrambled to alert all of her creditors and financial institutions that she had been robbed. She began calculating the full scope of the theft’s ramifications: New checkbooks ordered, extravagant items ordered in her name, new credit cards, the list goes on and on. When she called the Federal Trade Commission to let them know her identity had been stolen, she was told they could not help her due to the government shutdown. FTC data prior to the shutdown stated that the agency received thousands of calls a day regarding identity theft alone. That’s thousands of crimes going uninvestigated every day, a Washington Post reporter pointed out when they became a victim as well. Not only are new crimes going unreported, but investigative resources are also frozen. The Consumer Sentinel Network helps investigators track the movement of identity theft and related frauds to build cases against the perpetrators, and it remains down as of day 26 of the longest government shutdown in history. At a minimum, the FTC is still allowing individuals to file complaints so that they be issued an affidavit for their creditors’ purposes.

News coverage of the shutdown has attempted to sharpen the big picture for Americans when it comes to the ripple effect of the government shutdown. While many federal agencies might be unable to assist consumers with complaints, there is recourse for consumers experiencing the myriad of issues helmed by the Federal Trade Commission. There are online, step-by-step resources for obtaining documentation to dispute fraudulent charges and claims. Consumers can also retain the services of a private investigator. One of the most beneficial aspects of hiring a private investigator is that they are the top of the chain of command in their firm. They are the ones calling the shots in any investigation, not a supervisor nor a superior. They will represent your interests and your interests alone. As is the case with many frauds and thefts, perpetrators tend to either operate remotely, or move quickly to evade law enforcement. Acting independently, private investigators will be able to move as fluidly as a scammer, crossing jurisdictional boundaries with little to no red tape. Statistics surrounding fraud indicate that many federal investigators in charge of tracking down scammers and thieves are inundated with a never-ending stream of complaints. This means their attention can be divided over and over again across a heavy caseload. A typical private investigator only handles between 3-4 cases at a time, meaning your case can be a priority for them and not just another file in a drawer.

Political pundits and talking heads don’t project a sunny forecast when it comes to the shutdown—no end in sight. As the shutdown enters its 27th day, many Americans who have been the victims of consumer fraud and identity theft who do not yet know the full scope of the shutdown’s impact will receive an ugly surprise when they turn to the federal government for help. While the government gets its house in order, know that there are options for victims of consumer and identity fraud. Consult a private investigator today to learn how their specific skill set, experience, and independence can help you get right the ship when it comes to fraud.

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Surveillance Capitalism Online and in Real Life

by admin_lauth | Sep 6, 2018 | Private Investigations News, Technology, Tips & Facts

In the first decades of the 21st century, we have witnessed advances in technology unprecedented in human history. It was once costly and cumbersome to rely on technology to work for you. The reality today is astonishingly different. To view this article, you likely performed a Google search (or whatever your search engine of choice) and clicked through several links to get here. Advances in technology have made it possible for the search engine to collect the data you spread through the internet and use data to determine what kind of advertising you’ll see in the side banners of the websites you visit. For many in America, our phones and our cameras are the same device. Clunky security systems are a thing of the past, and spy cameras can be made as small as a button. This new reality has a name: surveillance capitalism.

There was a time in the United States where changing your identity was as simple as grabbing what you can carry, hopping a train or hitchhiking to a new location, and introducing yourself to others under a different name. Now, in the world of surveillance capitalism, almost every piece of data you put out in the world, either online or on an official form, will likely be entered into a database where you can be tracked by anyone with the proper clearance. At Lauth Investigations International, we use databases like these every day to perform skip traces, asset searches, and background checks. And then there’s the omnipresent threat of “Big Brother,” a moniker often attributed today to the government agencies, law enforcement, and other surveillance platforms who are constantly watching us on what can only be imagined as an IMAX display of viewing screens. Not to mention the entities that might be surveying us and our information in a manner not exactly above reproach, such as Google, Facebook, and every demonym of foreign hackers who see America’s obsession with its surveillance culture as its Achilles heel.

It’s not all doom and gloom, of course. Humans in America and abroad have reaped the top-tier benefits of surveillance capitalism, such as using the “Find My iPhone” to locate someone who has been reported missing. In the recent high-profile case of a missing young woman from Brooklyn, Iowa, Mollie Tibbetts, law enforcement were able to use data collected by Mollie’s Fitbit to piece together her last hours. This information would eventually lead investigators to the man who is now charged with her first-degree murder. Just this past week, an American couple was saved in Bali after a scooter accident left them both without a way to call local authorities for help. Mikey Lythcott, 36, was able to turn on the roaming data on his cell phone, and with a single bar of service, managed to pen a desperate call for help to his Facebook friends. The United States Consulate in Bali was contacted, and help was sent to the couple’s location. Knowing how well technology can work for us makes it that much more frustrating when we feel it has violated our privacy, such as the aforementioned data-mining that helps target you for specific advertisements.

In addition to impacting the way Americans live their lives, surveillance capitalism has already become a constipator for many well-established areas of the economy, such as journalism, transportation, and—in a fascinating irony—private investigations. While surveillance capitalism has certainly had a significant impact on American culture, there are many who have a misunderstanding of its omniscient power. In a recent article titled, “A Private Investigator on Living in a Surveillance Culture,” a private investigator named Judith Coburn, shared an anecdote where a client completely underestimated the available technology:

“Two lawyers working on a death-penalty appeal once came to see me about working on their case. There had been a murder at a gas station in Oakland 10 years earlier. Police reports from the time indicated that there was a notorious “trap house” where crack addicts were squatting across from the gas station. The lawyers wanted me to find and interview some of those addicts to discover whether they’d seen anything that night. It would be a quick job, they assured me. (Translation: they would pay me chump change.) I could just find them on the Internet. I thought they were kidding. Crack addicts aren’t exactly known for their Internet presence.”

Frustrations like these are rampant in investigation firms across the country, but the advancements in technology do not prevent the use of tried-and-true analog methods, such as old-fashioned tailing surveillance, or telephone ruses without the use of any fancy phone surveillance tech.

The concept of the “right to be forgotten” was forged in the European Union, with individuals voicing their concerns about their inability to “determine the development of their life in an autonomous way, without being perpetually or periodically stigmatized as a consequence of a specific action performed in the past.” Given the surveillance tech available to citizens, both private and public, it sounds like an unattainable status for anyone who uses social media, the internet, or walks by a security camera on their way to work every day.

In February, 2018, NPR published an article titled, “Google Has Received 650,000 ‘Right To Be Forgotten’ Requests Since 2014,” detailing the mountain of requests fielded by the multi-national technology company to remove certain URLs from their search results on the condition the content is “inadequate, irrelevant or excessive in relation to the purposes of the processing.” The article goes on to say this means it is up to the discretion of a private company to determine what is in the best interests of the people who use their services, which is a tall-order in a capitalist society. Whether the policy proposed in the EU will ever be universally enforced—both in Europe and around the world—education regarding this newfound culture in which we find ourselves is paramount to protecting yourself and your loved ones from the evils of surveillance capitalism.

Carie McMichael is the Communication and Media Specialist for Lauth Investigations International, a private investigation firm based in Indianapolis, Indiana–delivering proactive and diligent solutions for over 30 years. For more information, please visit our website.