Tag Archives: fraud

Protecting yourself against scams #scam, #fake, #spoof, #motors #scam, #car #scam, #craigslist, #autotrader, #buying #a

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Protecting yourself against scams

We’ve seen several fake emails and websites that are designed to look like they come from us, copying our logo and talking about features and services that we offer. But in reality these phony emails and sites are from bad guys who want to rip people off.

These scams often involve car purchases outside of eBay, usually at other websites like AutoTrader.com and Craigslist. A seller offers a car (that they have no intention of delivering) at a very low price. When a transaction starts, they send the buyer fake invoices, often asking for payment via wire transfer while claiming to be affiliated with eBay or offering eBay Motors Vehicle Purchase Protection.

How to tell if it’s a scam

You can avoid scams by knowing what to watch out for. Here are some of the most common scams we’ve seen:

Fake (spoof) emails

These emails try to look like they came from a legitimate business like eBay, but they’re from scammers who want to trick you into giving out personal information like your address or sending money via wire transfer. Here are some examples:

The seller sends a fake invoice for a Second Chance Offer with information about Vehicle Purchase Protection.

Pretending to offer eBay features and services

Scammers often use eBay’s name, features, and services to make it seem like the transaction is legitimate. For example:

They claim eBay will handle the transaction through an escrow service and won’t release the money until you’re happy with the car.

They pretend to be eBay representatives.

They pretend to have live chat or phone support using eBay’s name.

Massachusetts Senior Medicare Patrol Program #medicare #fraud, #health #care #errors, #medical #fraud, #ma #smp, #medicaid

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Preventing healthcare errors, fraud and abuse is everyone s responsibility!
The Massachusetts Senior Medicare Patrol (SMP) Program is a statewide partnership between community based organizations and mainstream agencies. Our objective is to reach and educate Medicare and Medicaid beneficiaries, family members, caregivers, and professionals on the importance of being engaged healthcare consumers to prevent healthcare errors, fraud and abuse .

The MA SMP Program is designed to provide education and resources on how to address healthcare errors, fraud and abuse for Medicare and Medicaid beneficiaries, family members, caregivers, and professionals, with a focused effort on reaching limited English proficient, Native Americans and other hard-to-reach populations.

Healthcare errors, fraud and abuse cost you, as an American taxpayer, billions of dollars annually and may cost you your life or the life of a loved one. We are all responsible for being involved participants in our own healthcare. If you or someone you know has been subjected to questionable billing practices and/or deceptive marketing tactics related to healthcare, contact the MA SMP Program .

The MA SMP Program is one of 54 SMP programs across the country including Washington DC, Puerto Rico, Guam and U.S. Virgin Islands. The MA SMP Program is funded by the Administration For Community Living. For more information about other SMP programs visit www.smpresource.org .

Educational Events Calendar

MA SMP in Action

SMP Can Help!

Massachusetts Senior Medicare Patrol (SMP) ProgramEmpowering Seniors to Prevent Healthcare Errors, Fraud, and Abuse
© 2017 Elder Services of the Merrimack Valley, Inc. Lawrence, MA 01843 800-892-0890

Reverse Mortgage Scams – FBI #reverse #mortgage #fraud

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Reverse Mortgage Scams

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. See the FBI/HUD Intelligence Bulletin for specific details on HECMs as well as other foreclosure rescue and investment schemes.

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.

If you are a victim of this type of fraud and want to file a complaint, please submit information through the FBI s electronic tip line or through your local FBI office. You may also file a complaint with HUD-OIG at www.hud.gov/complaints/fraud_waste.cfm or by calling HUD s hotline at 1-800-347-3735.

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Risk Management, QA – Fraud Prevention Forum 2016 #mba #fraud #management

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Risk Management, QA Fraud Prevention Forum 2016

MBA’s Risk Management, QA Fraud Prevention Forum 2016

September 28-30 | JW Marriott L.A. LIVE | Los Angeles, CA

Identify. Analyze. Evaluate.

In today’s increasingly complex mortgage landscape, it is more important than ever that real estate finance professionals stay up to date on changing rules and regulations. Focusing on the industry’s most timely and critical issues, MBA’s Risk Management, QA and Fraud PreventionForum 2016 helps you identify risk versus reward, analyze mortgage fraud threats and evaluate quality assurance practices by providing targeted, practical solutions to your unique business challenges.

Know what the agencies are looking for now and be prepared for what lies ahead, as one wrong move can make the deal crumble.

Get comprehensive, expert information on the hottest topics, including:

  • Loan quality guidance from the GSEs and FHA
  • Up-to-date fraud prevention strategies
  • Ways to measure, track and reduce loan defect rates
  • New developments in mortgage performance data and analytics
  • TILA/RESPA Integrated Disclosure (TRID) Compliance
  • Home Mortgage Disclosure Act (HMDA)
  • Cybersecurity
  • Managing vendors to minimize risk

Forum tracks include:

  • Risk Management
  • Underwriting and Compliance
  • Loan Quality Assurance
  • Fraud Prevention

Experian India #credit, #report, #bureau, #score, #risk, #loan, #analytics, #fraud, #identity, #marketing, #email, #cheetahmail, #india,

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Get your credit report & score

Today the world is producing more data than ever before, and interpreting it is a challenge for businesses the world over. That s why at Experian, we ve made it our mission to make sense of it in powerful new ways. We re gathering, analysing, combining and processing data in ways that others simply can t.

And every day, our data and analytics are helping people and businesses to achieve more; individuals to access the financial services they need; people to protect their identities and lives; and economies and societies to flourish.

We want to work with you to create a better tomorrow, for everyone.

As a credit information company, licensed by the Reserve Bank of India our members (lenders) provide monthly updates of the credit performance of their customers to us. Good credit begins with knowing where your credit is today, learning how to make smarter financial decisions tomorrow and protecting your credit moving forward. It’s important for you to understand your credit report and to ensure it doesn’t contain any inaccuracies, but if there are any errors we will work with you to help to get these resolved quickly.

As the first Credit Information Company to be licensed under CICRA 2005, we will help you predict and manage credit risk, and reduce exposure to bad debt and fraud. You benefit from our experience of operating 19 credit information companies around the globe. We have expertise in analytics, custom scores, bureau based hybrid scores, optimization, risk monitoring framework, segmentation etc.

Are you a member?

Do you wish to become a member?

We are a global leader in Decision Analytics in the Financial Services, Telecommunications, Insurance, Utilities and Automobile sector. We work with institutions in the areas of customer lifecycle management (from origination, customer management to debt management), fraud management and Credit Risk management.

Economic Crime and Fraud Management, M #mba #fraud #management

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Economic Crime and Fraud Management, M.B.A.


The online format allows you to complete coursework on your schedule and earn your degree in as little 24 months.
Program Highlights

  • Rare, highly-marketable credential
  • Practical, up-to-date curriculum with real-world application
  • Supports preparation for the CFE Exam
  • Personal attention from expert faculty
  • Global networking opportunities


Utica College is accredited by the Commission on Higher Education of the Middle States Association of Colleges and Schools, 3624 Market Street, Philadelphia, PA 19104-2680, (215) 662-5606. The Commission on Higher Education is an institutional accrediting agency recognized by the US Secretary of Education and the Commission on Recognition of Postseconday Accreditation.

Utica College is chartered by the Regents of the University of the State of New York.

Program-Specific Accreditations and Recognitions

Individual programs are also accredited by discipline-specific accrediting agencies.

Programme Structure

  • Managerial Economics
  • Advanced Financial Management
  • Core Topics in Management
  • Financial Reporting and Analysis
  • Strategic Management and Leadership
  • Quantitative Analysis for Management
  • Legal and Requlatory Issues for Fraud Management
  • Management for Fraud Prevention & Detection
  • Seminar in Fraud Management

One of the Following Electives

  • Advanced Fraud Investigation & Analysis
  • Information and Communication Security
  • Assurance and Forensic Accounting
  • Forensic Accounting

Detailed Programme Facts

Starting in 2018-05-07 00:00:00

You can apply until:

Always verify the dates on the programme website.

  • Study intensity Part-time
    • Intensity Flexible
    • Duration part-time 24 months

    This MBA degree is designed to be completed part-time. Students typically take one class every eight weeks or 6 credit hours every 16 weeks.

    24 credits alternative credits

    You only need to take one of these language tests:

    Minimum required score: 6

    The IELTS or the International English Language Test System tests your English-language abilities (writing, listening, speaking, and reading) on a scale of 1.00 9.00. The minimum IELTS score requirement refers to which Overall Band Score you received, which is your combined average score. Read more about IELTS.

    Minimum required score: 550

    The TOEFL or Test OF English as a Foreign Language offers a paper-based test (PBT). The final, overall PBT score ranges between 310 and 677, and is based on an average taken from the three test components (listening, structure, and reading). The writing part of this test is scored separately on a scale of 0-6. Read more about TOEFL (PBT).

    Minimum required score: 79

    The TOEFL or Test Of English as a Foreign Language offers an internet-based test (iBT). The final, overall iBT score ranges between 0 and 120, and includes a scaled average from the four components (reading, listening, speaking, and writing). Read more about TOEFL (iBT).

    Academic Requirements

    You need the following GPA score:

    Required score: 2.5

    Applicants for graduate programs must have the equivalent of a bachelor s degree with a minimum GPA equivalent to 2.5 on a US 4.0 grading scale. Admitted applicants typically have an undergraduate GPA of or better on a 4.0 scale. No exam grade should be lower than 4.5 (European grade scale) or D (American grade scale).

    Your GPA (Grade Point Average) is calculated using the grades that you received in each course, and is determined by the points assigned to each grade (e.g. for the US grading scale from A-F).

    • Evidence of a minimum of two years’ work experience in a related field (e.g. C.V./Resume or other documents)
    • Letter of support from your employer (form provided by Utica College)
    • 2-3 letters of recommendation depending on the program
    • International Credential Evaluation of transcripts showing equivalency to a US Bachelor’s degree with 2.5 GPA or higher
    International Student Admissions
    • Official transcripts of all previous academic works in English and an explanation of the grading system
    • English language proficiency tests such as TOEFL or IELTS if English is not your first language — UC requires a TOEFL score of 550 written, 213 computer-based, 79 internet-based and IELTS of 6.0

    Tuition Fee Per Credit

    • USD 450 International
    • USD 450 National


    Scholarships, Grants, and Awards:

    Utica College scholarships, grants, and awards generally fall into three categories:

    College scholarships are awarded to full-time freshmen upon admission to the College on the basis of academic and personal achievements.

    These have been established by alumni, friends of the College, and organizations for the purpose of permanently providing support to deserving and/or outstanding students.

    Annual Awards are grants and prizes awarded to deserving students on a yearly basis.

    StudyPortals Tip: Students can search online for independent or external scholarships that can help fund their studies. Check the scholarships to see whether you are eligible to apply. Many scholarships are either merit-based or needs-based.

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    The Global Study Awards: get funded with up to 10,000 to study abroad

    Together with the ISIC Association and British Council IELTS, StudyPortals offers you the chance to receive up to 10000 to expand your horizon and study abroad. We want to ultimately encourage you to study abroad in order to experience and explore new countries, cultures and languages.

    GRE General Test


    To study at this university, you have to speak English. Assess your level of English by

    Related Programmes

    Fraud Investigation Management, M.Sc.

    Southern New Hampshire University

    Zagreb School of Economics and Management

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  • Victoria Police – Reporting fraud #report #credit #card #fraud #to #police

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    Crime Prevention & Community Safety

    Release date: Mon 5 July 2010

    Last updated: Fri 30 January 2015

    Types of fraud and the appropriate investigative authority

    Bank related fraud
    This includes fraud relating to credit cards, loans, electronic funds transfers, cheque, ATM and mortgages.
    Report this type of fraud to the bank or financial institution, and ACORN .

    Investment or share trading fraud
    Report this type of fraud to the Australian Security and Investment Commission �by visiting MoneySmart �http://www.moneysmart.gov.au/. calling 1300 300 630, or report to ACORN. Any information such as company name, location and contact details will assist with subsequent investigations.

    Lawyer�fraud (Barrister and Solicitor)
    Report this type of fraud to the Legal Services Board

    Telecommunication fraud
    Report this type of fraud to the relevant service provider.

    Internet auction fraud and overseas advanced fee fraud
    Report this type of fraud to ACORN .

    Foreign bribery
    Foreign bribery includes providing or offering a benefit to a public official, or causing a benefit to be provided or offered to a foreign public official, where the benefit is not legitimately due.�

    Visit the Australian Federal Police website for further information regarding foreign bribery

    Types of scams and the appropriate investigative authority

    Local scams (door to door scams)
    Report this to Consumer Affairs of Victoria or phone 1300 558 181.

    Scams from interstate or overseas
    Report this to ACORN .

    Financial and investment scams
    Report this to ACORN .

    Banking and credit card scams (phoney fraud alerts or ‘phishing’ scams)
    Report this to your bank/financial institution, as well as ACORN .

    For further information regarding scams, go to www.scamwatch.gov.au

    Reporting to Police

    In many cases where a person loses money, it will not be a criminal, but a civil matter. Particularly when a matter involves breaches of contract or non-payment of debts. Police cannot investigate civil matters. Police only investigate criminal matters in order to charge offenders and place evidence before a court. Civil action is the most appropriate method of recovering money and it is recommended a person consults with a solicitor if this is the case. If the complaint and supporting information supports a finding that a criminal offence may have been committed, then the matter will be referred for investigation.

    Victoria Police Fraud Report Form

    To report a matter with police, it is useful to gather the following information.

    • Complainants details – including name, date of birth, age, address, phone number, email and employment details.
    • Summary of allegations – prepare a summary of events in chronological order that forms the basis of your complaint. Include times, dates, places and any conversations or interaction with suspect regarding the complaint.
    • Evidence – include a brief description of the evidence which support the events described.
    • Suspect/offender – if you suspect a particular individual/s, provide details such as date of birth, age, address, phone number, email, vehicle registration number, and employment details.
    • Witnesses – provide details of any witnesses, including name, address, phone number and a brief summary why this person is a witness.
    • Document/exhibits – provide copies (copies only) of documents or exhibits which support the complaint. This may include, but not limited to, banking records, business records, receipts, contracts, invoices, internet content, phone records, and audit reports. Please note, original exhibits should be handled with clean surgical or fabric gloves and with care, to prevent the loss of forensic evidence. Ensure each exhibit is stored in separate bags.
    • Action taken against suspect – provide information of any discipline or civil action taken against the suspect/s.

    Corporate/Business complaints
    The ACORN accepts reports made on behalf of businesses, organisations and corporations.� If you�wish to report another type of fraud associated with a corporation or business or organisation, or a matter that involves a high degree of complexity where Victoria Police would be the appropriate investigative authority then please read and complete the Victoria Police Fraud Report Form before reporting the fraud to the police.

    This form, along with copies of evidence, will be used by police in assessing and investigating a complaint.

    Credit Card Fraud: What to Do if You – re a Victim #preventing #credit #card

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    Credit Card Fraud: What to Do if You re a Victim

    Every year, millions of Americans fall victim to fraud that costs the national economy billions of dollars. If you re a victim, it can wreak havoc on your personal finances. Luckily, many financial institutions have measures in place to help protect you from credit fraud. Experian also offers tools you can use to protect yourself from identity theft .

    What is Credit Card Fraud?

    Credit card fraud is when someone uses your credit card or credit account to make a purchase you didn t authorize. This activity can happen in different ways:

    • If you lose your credit card or have it stolen, it can be used to make purchases or other transactions, either in person or online.
    • Fraudsters can also steal your credit card account number, PIN and security code to make unauthorized transactions, without needing your physical credit card. (Unlawful transactions like these are known as card-not-present fraud.)

    What is Identity Theft?

    Identity theft involves the use of illegally obtained information about you, like your name, birthday, Social Security number, credit card numbers and more, in order to use existing credit accounts or open new ones in your name. When this happens, criminals capture the spending power of your credit while you get stuck with the bill.

    What to Do if You re a Victim

    Because credit card fraud can happen at any time, even when your card is still safely in your wallet, it s important to monitor all your credit card accounts regularly.

    If you discover someone has made unauthorized charges on your credit card account, you should:

    • Immediately contact the credit card company. Many have zero-liability policies, meaning you won t be responsible for any fraudulent charges made on your accounts. What s more, federal law limits your liability for fraudulent credit card charges. If someone uses your lost or stolen credit card before you report it missing to the card issuer, you can only be held responsible for $50 of any fraudulent charge. If you report the loss before the card is used, you re not responsible for any charges, nor are you liable if it s just the card number that s stolen and used.
    • Change your online passwords and PINs to prevent fraudsters from doing any further damage.
    • Closely monitor account activity. and consider contacting Experian to put an initial security alert on your credit report. This can be especially helpful if you re not sure how your information was compromised. Whichever credit bureau you contact will notify the other two major bureaus of your request.
    • Keep an eye on your bank statements, and if you notice signs of fraud, notify your bank immediately.
    • Request a copy of your credit report. Often, signs of fraud such as new accounts you don t recognize will show up on credit card statements first, soon to follow on your credit reports. When you request a fraud alert, you will also get a copy of your credit report. Did you know you can also get a free copy of your Experian credit report at any time, too?

    If you believe you re a victim of identity theft (e.g. someone opened a credit card in your name), follow all the steps above, plus:

    • Add a fraud alert to your credit report by visiting our fraud center .
    • If you find fraudulent accounts or inquiries on your credit report, contact each creditor directly to make them aware of the fraud. If you re a member of Experian. you ll also have access to a dedicated Fraud Resolution Agent, who will work with you to correct fraudulent information with your creditors.

    Consider reporting the theft by filing a police report and document all contacts you make with credit bureaus, creditors and authorities regarding the crime. You can also report identity theft to the Federal Trade Commission. which separately tracks identity crimes. If your wallet or purse is lost or stolen, immediately notify your bank and credit card companies. You should never carry your Social Security card with you, but in case it s lost or stolen, contact the Social Security Administration and consider placing a fraud alert on your credit report.

    Types of Credit Card Fraud

    Fraudsters are creative people, and they ve come up with many ways to pilfer your personal information and destroy your hard-earned good credit, including:

    • Stealing a credit card You look away for a moment and your wallet disappears off the store counter where you placed it while making a purchase. Or, you forget to zip up your purse in a crowd and someone slips your wallet from your bag. When your credit card is stolen, you should immediately notify the card issuer.
    • Using a lost or found credit card Accidents happen and it s possible a card falls out of your pocket in a parking lot. Someone who finds the card could try to use it. Always report lost cards to the credit card issuer immediately to reduce the chance of someone doing damage to your balance.
    • Account takeover A fraudster can use personal information such as your home address, mother s maiden name, etc. to contact your credit card company or bank, pretend they re you, claim your card has been lost or stolen, or that you ve changed addresses, and get the card issuer to send them a new card. Some issuers allow you to have a verbal password when calling them, and this could be a good way to help prevent this type of fraud.
    • Counterfeit cards After illegally obtaining your credit card account information with a device called a skimmer, fraudsters can create and use a duplicate card. The increased use of chip-and-PIN (aka EMV) technology in the U.S. has reduced this type of fraud.
    • Intercepting mailed cards Although credit card companies try to protect cards in transit, a new card can still be stolen from your mailbox.
    • Fraudulent applications Using your name, birth date, Social Security number and other personal information, criminals can apply for new credit in your name.
    • Card-not-present As point-of-service fraud has decreased because of EMV technology, this type of fraud has increased, payment experts report. Criminals don t need the physical card in order to use it fraudulently. They only need basic info such as the credit card number and cardholder s name to commit mail order or online fraud.

    How to Identify Credit Card Fraud

    Fortunately, fraudsters leave signs that you can sometimes detect if you are vigilant. You may be more likely to spot credit card fraud if you:

    • Review your billing statements every month to scan for unfamiliar charges.
    • Watch for bills from unknown sources or calls from collections agencies for accounts you didn t open.
    • Check your credit report regularly and look for unfamiliar inquiries, new accounts you didn t authorize or addresses of locations where you ve never lived.
    • Enroll in a credit monitoring or identity theft protection service.

    If you find evidence of fraud on your credit report, visit our fraud center and dispute any unauthorized or suspicious information.

    How to Prevent Credit Card Fraud

    Although it s impossible to completely eliminate the chance you ll ever fall victim to evolving credit card fraud schemes, there are steps you can take today to reduce your risks, including:

    • Keep your wallet or purse secure at all times to protect your credit cards from theft.
    • Only carry the credit cards you actually need and use, and never carry your Social Security card on your person.
    • When shopping online, only buy from reputable companies and/or ones whose security measures you can verify. For example, look for a web address that begins with https the s indicates the site is secure.
    • Only give your credit card number or personal information (such as your Social Security number) over the phone when you can verify you are talking to a trusted source.
    • Explore our fraud and identity theft resource center online to learn about preventing fraud .

    If fraud happens, you re not alone. You can get fraud victim assistance from multiple sources, including your bank, credit card issuer and credit bureaus. For example, when notified of fraudulent information on a credit report, Experian will provide a free copy of your credit report, investigate the allegedly fraudulent information, and if it turns out to be fraud, remove the information from your credit report.

    Check out our Fraud FAQs to learn more about prevention, detection and remediation of credit card and identity fraud.

    References / citations: [1] https://www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-and-debit-cards

    Better detection and protection for identity theft and credit fraud. More identity and account alerts, with credit lock to prevent unauthorized inquiries.

    E-filing taxes? Watch out for fraud #income #tax #credit

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    #e filing tax return


    E-filing taxes? Watch out for fraud.

    Websites with loose security

    If you’re planning on filing your taxes online, caution is advised.

    An audit released this week by Internet security nonprofit the Online Trust Alliance found that 46 percent, or 6 out of 13 tax software websites in an IRS program, failed cybersecurity protocols. The websites are part of IRS Free File program, which lets anyone who made under $62,000 in 2015 file taxes electronically for free. Seventy percent of American taxpayers can participate in the program, which has been around since 2003.

    Some of the websites had issues with lack of email authentication, according to the OTA, which lets cyber criminals send out phishing emails, fake emails purporting to be from a company. Other sites had vulnerabilities that could lead to personal information being stolen. The report was sponsored by cybersecurity companies Agari, DigiCert and Symantec.

    “Either companies made honor roll, 80 percent or better, or failed,” said Craig Spiezle, OTA’s executive director and founder. “Three sites failed just basics.”

    In order to participate in the Free File Program, taxpayers use one of 13 third-party tax software websites to submit their taxes electronically. These websites are all members of the Free File Alliance, a nonprofit coalition of the tax software companies. For those with higher incomes, these companies also offer more advanced tax preparation software and services for a fee.

    Tax scams surge

    The websites that made the OTA’s honor roll, which means they scored at least 80 percent on each section of the audit, are well-known tax preparers like Intuit’s TurboTax and H R Block. as well as eSmart Tax, exTaxReturn.com, Free Tax USA, TaxAct and TaxSlayer.

    The Free File Alliance. which represents the 13 websites that don’t charge filers, said its software “meets the highest standards of security, privacy and support.”

    In a statement emailed to CNBC, Tim Hugo, executive director of the Free File Alliance said, “All Free File companies are evaluated and tested each year to ensure that they meet IRS standards addressing every aspect of security and privacy.”

    “Our members, working with the IRS, will carefully examine this report and take its recommendations under consideration in our continued efforts to ensure that Free File offers the industry’s most innovative and secure tax software,” he said.

    The OTA audit comes as tax scams are on the rise, yet Americans are surprisingly nonchalant about whether they can become victims of fraud. The IRS reported that tax-related phishing emails and malware have surged 400 percent this tax season. In many instances, cybercriminals send emails, text messages and make calls purporting to be the IRS, which trick filers into sending money or revealing personal information.

    According to an independent survey by IDT911, a data security firm, some 63 percent of U.S. taxpayers polled believe that tax fraud “could never happen to me” — and aren’t that concerned by the prospect. The study also found that nearly 20 percent of U.S. filers haven’t ensured their wireless networks are secure when filing online.

    “The sophistication of cybercriminals is a lot more advanced than a few years ago. It’s hard for the average consumer to tell [if a website or email is legitimate],” said Jason Sabin, chief security officer at DigiCert, a technology security firm. He said that filing firms should up their standards in the face of widespread chicanery.

    “This is not like school. Everyone can and should be on honor roll,” Sabin said in a phone interview.

    To test the websites, the OTA scanned them using commonly available tools, the same ones hackers may use.

    Some e-file websites had vulnerabilities that would allow a cyber criminal to watch as users type in personal information. In addition, the OTA found vulnerabilities that would allow criminals to hack the websites and gain personal information, according to the OTA’s Spiezle.

    “Sites that are collecting what I’d say are the biggest, most personal information for identity theft are not following industry standards,” said Spiezle.

    Roxane Divol, a senior vice president and general manager at Symantec called the results not particularly surprising. “The reality is only 3 percent of all websites are encrypted.”

    In response to the audit, an IRS spokesman told CNBC in an email that the agency “is committed to working with its partners to improve security protections for taxpayers and combating stolen identity refund fraud. … As the report rightly notes, the areas of security and privacy are evolving daily.

    The IRS added that “rather than prescribe federal regulations that might be quickly outdated, the IRS works with the industry through the Security Summit Initiative to encourage tougher standards. For example, because of the cooperative efforts of the Security Summit, the software industry agreed to stronger password procedures for 2016.”

    Medicare fraud case #medicare #fraud, #false #claims, #medicaid #fraud, #qui #tam, #florida #lawyer, #florida #law,

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    The False Claims Act was originally adopted in 1863 following a series of sensational congressional investigations into the sale of provisions and munitions to the War Department.

    Testimony before the Congress painted a sordid picture of how the United States had been billed for nonexistent or worthless goods. Today, anyone who brings a successful false claims suit may receive a significant percentage of the money collected on behalf of the government.


    Healthcare fraud in the United States is rampant, because of third party billing, including Medicare, Medicaid, or private insurance carrier. A medical bill to be paid by an insurance company creates an opportunity for fraud.

    It is not possible for the insurance company to verify with certainty, actual services performed, or the medical necessity of such services, without a detailed review of every patient’s files and other records. This is rarely done.


    There is a special name for a whistle blower in Qui Tam cases, a case involving the False Claims Act. In a Qui Tam case, a whistle blower is called a Relator .

    The Relator may bring evidence of fraud to an attorney that specializes in Qui Tam litigation. The lawyer can then assess the merits of the case. Based upon what the attorney’s investigation reveals, the lawyer and Relator may then file a Qui Tam Complaint for the government and the Relator.


    If you know of fraud in your workplace related to false claims (such as billings) made to the government for payment or approval, your information may be worth a huge monetary reward. False Claims Act litigation, also called Qui Tam litigation, has resulted in billions of dollars in monetary recoveries.

    You can begin a False Claims Case with the Law Offices of Joseph J. Pappacoda Associates by answering a few questions on our Case Submission Form.



    Are healthcare regulations being complied with at your office? Are your office’s healthcare practices and procedures different than those required by healthcare regulations? Are two sets of patient records being maintained in separate locations?

    A Medicare or other healthcare fraud case may surface from information given by a disgruntled employee in an employment action. For instance, a healthcare provider may coerce an employee to do some act that the employee knows is unethical, wrong, fraudulent, or criminal, related to Medicare or Medicaid billing, reporting, or cost accounting. When the employee refuses to cooperate, they may be labeled a trouble-maker and fired.


    The Law Offices of Joseph J. Pappacoda Associates specialize in Qui Tam actions that can help the government and lead to rewards for those who bring lawsuits under the U.S. False Claims Act.

    The Qui Tam laws were first passed in 1863. Today’s False Claims law allows you to help expose fraud in the workplace, Medicare fraud, Medicaid fraud and other fraud against the government.


    Attorney Joseph J. Pappacoda has vast experience exposing fraud, having been a lead fraud investigator for Florida’s Department of Law Enforcement. Joe Pappacoda’s skills as an attorney, his prowess properly using evidence, and his keen analytical legal mind can give you the perspective you will need when considering a case under the False Claims Act.


    The Law Offices of Joseph J. Pappacoda Associates are centrally located in the tri-county area of South Florida, and serve the Miami-Dade, Broward, and Palm Beach County areas.

    Joseph J. Pappacoda is admitted to practice in the Federal District Courts for the Southern District of Florida, and is admitted to the Florida Bar and the Colorado Bar.


    You may reach the law offices from anywhere in South Florida by simply taking I-95 to Broward Boulevard in Fort Lauderdale and heading into downtown. The Law Offices of Joseph J. Pappacoda Associates are located directly across from the Broward County Judicial Complex.