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Ever take a look at an ATM and feel like something’s off? You might have come across an ATM skimmer.
It works like this… A crook tampers with an ATM by attaching a physical device that skims card info as cards people grab or deposit money. From there, a keypad overlay or tiny pinhole camera captures your PIN as people tap it in. And with that info, the crook has everything they need to create several counterfeit cards.
Of course, that thief has to transfer that info. In some cases, the thief creeps back, removes the skimming device, downloads your data, and burns it to a blank ATM card. More sophisticated skimmers are connected, so thieves can download stolen info from the skimmer and then use that info to buy stuff online. Either way, a skimmer can take a big chunk out of your bank account.
However, you have ways of spotting these sketchy ATMs. And yet, there are more ways to protect your finances if you fall victim to a carefully concealed skimmer.
Spotting a hacked ATM can get a bit tricky, yet you can look for a few signs. Generally speaking, ATMs are sturdy by design. If a card reader or keypad wiggles at all or the keypad feels too spongy or sticks when you tap the buttons, you might be looking at a hacked ATM. Also keep an eye out for extra pieces of plastic stuck to the ATM, which can be places where a crook has concealed a camera. Often, they’ll disguise cameras in brochure holders and overhead lights.
Another clue of a hacked ATM — scanners and other components that don’t match the color and style of the machine. In all, anything that looks tacked on or out of place gives you a good reason to use another ATM.
To protect yourself further, follow these tips:
Be choosy.
While out and about, consider using ATMs installed at a bank. These are watched more closely than ATMs in public places, which makes them harder to tamper with.
Cover the keypad when entering your PIN.
Thieves need your card number and your PIN to access your account with a copycat card. By covering the keypad, you prevent cameras and onlookers from seeing your PIN.
Check your bank and credit card statements often.
If your card does get skimmed, acting quickly counts. Thieves can quickly rack up purchases and out a chunk of your account. Banks typically watch for fraud and will contact you about unusual activity.
Better yet, you can keep a closer eye on your accounts yourself. Our McAfee+ plans offer several types of account and transaction monitoring. Together, they can alert to strange transactions across bank, credit, retirement, and other accounts. They can also alert you if any of your info at the bank gets changed, which helps prevent account takeovers.
The post What is ATM Skimming? appeared first on McAfee Blog.
I think I could count on one hand the people I know who have NOT had their email hacked. Maybe they found a four-leaf clover when they were kids! Email hacking is one of the very unfortunate downsides of living in our connected, digital world. And it usually occurs as a result of a data breach – a situation that even the savviest tech experts find themselves in.
In simple terms, a data breach happens when personal information is accessed, disclosed without permission, or lost. Companies, organisations, and government departments of any size can be affected. Data stolen can include customer login details (email addresses and passwords), credit card numbers, identifying IDs of customers e.g. driver’s license numbers and/or passport numbers, confidential customer information, company strategy, or even matters of national security.
Data breaches have made headlines, particularly over the last few years. When the Optus and Medibank data breaches hit the news in 2022 affecting almost 10 million Aussies apiece, we were all shaken. But then when Aussie finance company Latitude was affected in 2023 with a whopping 14 million people from both Australia and New Zealand, it almost felt inevitable that by now, most of us would have been impacted.
The reality is that data breaches have been happening for years. In fact, the largest data breach in Australian history happened in 2019 to the online design site Canva which affected 139 million users globally. In short, it can happen to anyone, and the chances are you may have already been affected.
The sole objective of a hacker is to get their hands on your data. Any information that you share in your email account can be very valuable to them. Why do they want your data, you ask? It’s simple really – so they can cash in!
Some will keep the juicy stuff for themselves – passwords or logins to government departments or large companies they may want to ’target’ with the aim of extracting valuable data and/or funds. The more sophisticated ones will sell your details including name, telephone, email address, and credit card details to cash in on the dark web. They often do this in batches. Some experts believe they can get as much as AU$250 for a full set of details including credit cards. So, you can see why they’d be interested in you.
The other reason why hackers will be interested in your email address and password is that many of us re-use our login details across our other online accounts. Once they’ve got their hands on your email credentials, they may be able to access your online banking and investment accounts, if you use the same credentials everywhere. So, you can see why I harp on about using a unique password for every online account!
There is a plethora of statistics on just how big this issue is – all of them concerning. According to the Australian Institute of Criminology, of all the country’s cybercrime reports in 2024, about 21.9% involved identity theft and misuse. The Australian Bureau of Statistics adds that the identity theft victimisation rate has steadily increased from 0.8% to 1.2% from 2021 to 2024, respectively.
Meanwhile, The Australian Government revealed that at least one cybercrime is reported every 6 minutes, with business email compromise alone costing the national economy up to $84 million in losses. Regardless of which statistic you choose to focus on, we have a big issue on our hands.
Hackers use a range of techniques—some highly sophisticated, others deceptively simple—to gain access. It is important to know how these attacks happen so you can stay ahead and prevent them.
Yes, absolutely. An email account is often the central hub of your digital life. Once a cybercriminal controls it, they can initiate password resets for your other online accounts, including banking, shopping, and social media. They can intercept sensitive information sent to you, such as financial statements or medical records.
With enough information gathered from your emails, they can commit identity theft, apply for credit in your name, or access other sensitive services. If you suspect your email was hacked, it’s crucial to monitor your financial statements and consider placing a fraud alert with credit bureaus.
If you find yourself a victim of email hacking, these are a few very important steps you need to take. Fast.
Using a separate, clean device, this is the very first thing you must do to ensure the hacker can’t get back into your account. It is essential that your new password is complex and totally unrelated to previous passwords. Always use random words and characters, a passphrase with a variety of upper and lower cases, and throw in some symbols and numbers.
I really like the idea of a crazy, nonsensical sentence – easier to remember and harder to crack! But, better still, get yourself a password manager that will create a password that no human would be capable of creating. If you find the hacker has locked you out of your account by changing your password, you will need to reset the password by clicking on the ‘Forgot My Password’ link.
This is time-consuming, but essential. Ensure you change any other accounts that use the same username and password as your compromised email. Hackers love the fact that many people use the same logins for multiple accounts, so it is guaranteed they will try your info in other email applications and sites such as PayPal, Amazon, Netflix – you name it!
Once the dust has settled, review your password strategy for all your online accounts. A best practice is to ensure every online account has its own unique and complex password.
Most email services have a security feature that lets you remotely log out of all active sessions. Once you’ve changed your password, signing out from your email account also signs out the hacker and forces them to log-in with the new password, which fortunately they do not know. These, combined with two- or multi-factor authentication, will help you to regain control of your account and prevent further compromise.
A big part of the hacker’s strategy is to get their claws into your address book to hook others as well. Send a message to all your email contacts as soon as possible so they know to avoid opening any emails—most likely loaded with malware—that have come from you.
Two-factor or multi-factor authentication may seem like an additional, inconvenient step to your login, but it also adds another layer of protection. Enabling this means you will need a special one-time-use code to log in, aside from your password. This is sent to your mobile phone or generated via an authenticator app. So worthwhile!
It is common for hackers to modify your email settings so that a copy of every email you receive is automatically forwarded to them. Not only can they monitor your logins to other sites; they can also keep a watchful eye on any particularly juicy personal information. So, check your mail forwarding settings to ensure no unexpected email addresses have been added.
Also, ensure your ‘reply to’ email address is actually yours. Hackers have been known to create an email address that looks similar to yours, so that when someone replies, it will go straight to their account, not yours.
Don’t forget to check your email signature to ensure nothing spammy has been added, as well as your recovery phone number and alternate email address. Hackers also change these to maintain control. Update them to your own secure details.
Regularly scanning your devices for unwanted invaders is essential. If you find anything, please ensure it is addressed, and then change your email password again. If you don’t have antivirus software, please invest in it.
Comprehensive security software will provide you with a digital shield for your online life, protecting all your devices – including your smartphone – from viruses and malware. Some services also include a password manager to help you generate and store unique passwords for all your accounts.
If you have been hacked several times and your email provider isn’t mitigating the amount of spam you are receiving, consider starting afresh. Do not, however, delete your old email address because email providers are known to recycle old email addresses. This means a hacker could spam every site they can find with a ‘forgot my password’ request and try to impersonate you and steal your identity.
Your email is an important part of your online identity so being vigilant and addressing any fallout from hacking is essential for your digital reputation. Even though it may feel that getting hacked is inevitable, you can definitely reduce your risk by installing some good-quality security software on all your devices.
Trusted and reliable comprehensive security software will alert you when visiting risky websites, warn you when a download looks dodgy, and block annoying and dangerous emails with anti-spam technology. It makes sense really – if you don’t receive the dodgy phishing email – you can’t click on it. Smart!
Finally, don’t forget that hackers love social media – particularly those of us who overshare on it. So, before you post details of your adorable new kitten, remember it may just provide the perfect clue for a hacker trying to guess your email password!
Reporting an email hack is a crucial step to create a necessary paper trail for disputes with banks or credit agencies. When reporting, gather evidence such as screenshots of suspicious activity, unrecognized login locations and times, and any phishing emails you received. This information can be vital for the investigation.
Generally, no. Deleting the account can cause more problems than it solves. Many online services are linked to that email, and deleting it means you lose the ability to receive password reset links and security notifications for those accounts.
More importantly, some email providers recycle deleted addresses, meaning a hacker could potentially re-register your old email address and use it to impersonate you and take over your linked accounts.
The better course of action is to regain control, thoroughly secure the account with a new password and multi-factor authentication, and clean up any damage. Only consider migrating to a new email address after you have fully secured the old one.
Each email provider has a specific, structured process for account recovery. It is vital to only use the official recovery pages provided by the service and be wary of scam websites or third-party services that claim they can recover your account for a fee. Below are the official steps of the major providers that you can follow.
Your email account is the master key to your digital kingdom, and protecting it is more critical than ever since many of your other accounts are connected with your email. Realizing “my email has been hacked” is a stressful experience, but taking swift and correct action can significantly limit the damage.
By following the recovery steps and adopting strong, ongoing security habits like using a password manager and enabling multi-factor authentication, you can turn a potential crisis into a lesson in digital resilience. Stay vigilant, stay proactive, and keep your digital front door securely locked.
To add another wall of defense, consider investing in a trusted and reliable comprehensive security software like McAfee+. Our solution will help you dodge hacking attempts by alerting you when visiting risky websites, or downloading questionable apps, and blocking malicious emails with anti-spam technology.
The post What to Do If Your Email Is Hacked appeared first on McAfee Blog.
It’s that time of year again – tax season! Whether you’ve already filed in the hopes of an early refund or have yet to start the process, one thing is for sure: cybercriminals will certainly use tax season as a means to get victims to give up their personal and financial information. This time of year is advantageous for malicious actors since the IRS and tax preparers are some of the few people who actually need your personal data. As a result, consumers are targeted with various scams impersonating trusted sources like the IRS or DIY tax software companies. Fortunately, every year the IRS outlines the most prevalent tax scams, such as voice phishing, email phishing, and fake tax software scams. Let’s explore the details of these threats.
So, how do cybercriminals use voice phishing to impersonate the IRS? Voice phishing, a form of criminal phone fraud, uses social engineering tactics to gain access to victims’ personal and financial information. For tax scams, criminals will make unsolicited calls posing as the IRS and leave voicemails requesting an immediate callback. The crooks will then demand that the victim pay a phony tax bill in the form of a wire transfer, prepaid debit card or gift card. In one case outlined by Forbes, victims received emails in their inbox that allegedly contained voicemails from the IRS. The emails didn’t actually contain any voicemails but instead directed victims to a suspicious SharePoint URL. Last year, a number of SharePoint phishing scams occurred as an attempt to steal Office 365 credentials, so it’s not surprising that cybercriminals are using this technique to access taxpayers’ personal data now as well.
In addition to voice phishing schemes, malicious actors are also using email to try and get consumers to give up their personal and financial information. This year alone, almost 400 IRS phishing URLs have been reported. In a typical email phishing scheme, scammers try to obtain personal tax information like usernames and passwords by using spoofed email addresses and stolen logos. In many cases, the emails contain suspicious hyperlinks that redirect users to a fake site or PDF attachments that may download malware or viruses. If a victim clicks on these malicious links or attachments, they can seriously endanger their tax data by giving identity thieves the opportunity to steal their refund. What’s more, cybercriminals are also using subject lines like “IRS Important Notice” and “IRS Taxpayer Notice” and demanding payment or threatening to seize the victim’s tax refund.
Cybercriminals are even going so far as to impersonate trusted brands like TurboTax for their scams. In this case, DIY tax preparers who search for TurboTax software on Google are shown ads for pirated versions of TurboTax. The victims will pay a fee for the software via PayPal, only to have their computer infected with malware after downloading the software. You may be wondering, how do victims happen upon this malicious software through a simple Google search? Unfortunately, scammers have been paying to have their spoofed sites show up in search results, increasing the chances that an innocent taxpayer will fall victim to their scheme.
Money is a prime motivator for many consumers, and malicious actors are fully prepared to exploit this. Many people are concerned about how much they might owe or are predicting how much they’ll get back on their tax refund, and scammers play to both of these emotions. So, as hundreds of taxpayers are waiting for a potential tax return, it’s important that they navigate tax season wisely. Check out the following tips to avoid being spoofed by cybercriminals and identity thieves:
File before cybercriminals do it for you. The easiest defense you can take against tax season schemes is to get your hands on your W-2 and file as soon as possible. The more prompt you are to file, the less likely your data will be raked in by a cybercriminal.
Keep an eye on your credit and your identity. Keeping tabs on your credit report and knowing if your personal information has been compromised in some way can help prevent tax fraud. Together, they can let you know if someone has stolen your identity or if you have personal info on the dark web that could lead to identity theft.
Watch out for spoofed websites. Scammers have extremely sophisticated tools that help disguise phony web addresses for DIY tax software, such as stolen company logos and site designs. To avoid falling for this, go directly to the source. Type the address of a website directly into the address bar of your browser instead of following a link from an email or internet search. If you receive any suspicious links in your email, investigating the domain is usually a good way to tell if the source is legitimate or not.
Protect yourself from scam messages. Scammers also send links to scam sites via texts, social media messages, and email. Text Scam Detector can help you spot if the message you got is a fake. It uses AI technology that automatically detects links to scam URLs. If you accidentally click, don’t worry, it can block risky sites if you do.
Clean up your personal info online. Crooks and scammers have to find you before they can contact you. After all, they need to get your phone number or email from somewhere. Sometimes, that’s from “people finder” and online data brokers that gather and sell personal info to any buyer. Including crooks. McAfee Personal Data Cleanup can remove your personal info from the data broker sites scammers use to contact their victims.
Consider an identity theft protection solution. If for some reason your personal data does become compromised, be sure to use an identity theft solution such as McAfee Identity Theft Protection, which allows users to take a proactive approach to protect their identities with personal and financial monitoring and recovery tools to help keep their identities personal and secured.
The post How to Steer Clear of Tax Season Scams appeared first on McAfee Blog.
What’s the difference between identity fraud and identity theft? Well, it’s subtle, so much so that it’s easy to use them nearly interchangeably. While both can take a bite out of your wallet, they are different—and knowing the differences can help you understand what’s at stake.
Let’s start with an overview and a few examples of each.
So there’s that subtle difference we mentioned. Identity fraud involves the misuse of an existing account. Identity theft means the theft of your personal information, which is then used to impersonate you in some way, such as opening new accounts in your name.
Above and beyond those definitions and examples, a couple of real-life examples put the differences in perspective as well.
As for identity fraud, individual cases of fraud don’t always make the headlines, but that’s not to say you won’t hear about it in a couple of different ways.
The first way may be news stories about data breaches, where hackers gain things like names, emails, and payment information from companies or organizations. That info can then end up in the hands of a fraudster, who then accesses those accounts to drain funds or make purchases.
On a smaller scale, you may know someone who has had to get a new credit or debit card because theirs was compromised, perhaps by a breach or by mistakenly making a payment through an insecure website or by visiting a phony login page as part of a phishing attack. These can lead to fraud as well.
It usually starts with someone saying anything from, “That’s strange …” to “Oh, no!” There’ll be a strange charge on your credit card bill, a piece of mail from a bill collector, or a statement from an account you never opened—just to name a few things.
With that, I have a few recent blogs that help you spot all kinds of identity crime, along with advice to help keep it from happening to you in the first place:
While there are differences between identity fraud and identity theft, they do share a couple of things in common: you can take steps to prevent them, and you can take steps to limit their impact should you find yourself faced with one or the other.
The articles called out above will give you the details, yet staying safe begins with vigilance. Check on your accounts and credit reports regularly and really scrutinize what’s happening in them. Consider covering yourself with an identity monitoring solution — and act on anything that looks strange or outright fishy by reporting it to the company or institution in question.
The post How To Tell The Difference Between Identity Fraud and Identity Theft? appeared first on McAfee Blog.
Did you just get word that your personal information may have been caught up in a data breach? If so, you can take steps to protect yourself from harm should your info get into the hands of a scammer or thief.
How does that information get collected in the first place? We share personal information with companies for multiple reasons simply by going about our day—to pay for takeout at our favorite restaurant, to check into a hotel, or to collect rewards at the local coffee shop. Of course, we use our credit and debit cards too, sometimes as part of an online account that tracks our purchase history.
In other words, we leave trails of data practically wherever we go these days, and that data is of high value to hackers. Thus, all those breaches we read about.
Whether it’s a major breach that exposes millions of records or one of many other smaller-scale breaches like the thousands that have struck healthcare providers, each one serves as a reminder that data breaches happen regularly and that we could find ourselves affected. Depending on the breach and the kind of information you’ve shared with the business or organization in question, information stolen in a breach could include:
What do crooks do with that data? Several things. Apart from using it themselves, they may sell that data to other criminals. Either way, this can lead to illicit use of credit and debit cards, draining of bank accounts, claiming tax refunds or medical expenses in the names of the victims, or, in extreme cases, assuming the identity of others altogether.
In all, data is a kind of currency in of itself because it has the potential to unlock several aspects of victim’s life, each with its own monetary value. It’s no wonder that big breaches like these have made the news over the years, with some of the notables including:
As mentioned, these are big breaches with big companies that we likely more than recognize. Yet smaller and mid-sized businesses are targets as well, with some 43% of data breaches involving companies of that size. Likewise, restaurants and retailers have seen their Point-of-Sale (POS) terminals compromised, right on down to neighborhood restaurants.
When a company experiences a data breach, customers need to realize that this could impact their online safety. If your favorite coffee shop’s customer database gets leaked, there’s a chance that your personal or financial information was exposed. However, this doesn’t mean that your online safety is doomed. If you think you were affected by a breach, you can take several steps to protect yourself from the potential side effects.
One of the most effective ways to determine whether someone is fraudulently using one or more of your accounts is to check your statements. If you see any charges that you did not make, report them to your bank or credit card company immediately. They have processes in place to handle fraud. While you’re with them, see if they offer alerts for strange purchases, transactions, or withdrawals.
Our credit monitoring service can help you keep an eye on this. It monitors changes to your credit score, report, and accounts with timely notifications and guidance so you can take action to tackle identity theft.
Breached and stolen information often ends up in dark web marketplaces where hackers, scammers, and thieves purchase it to commit yet more crime. Once it was difficult to know if your information was caught up in such marketplaces, yet now an identity monitoring service can do the detective work for you.
Our service monitors the dark web for your personal info, including email, government IDs, credit card and bank account info, and more. This can help keep your personal info safe with early alerts that show you if your data is found on the dark web, an average of 10 months ahead of similar services. From there, you’ll get guidance that you can act on, which can help protect your info and accounts from theft.
If you suspect that your data might have been compromised, place a fraud alert on your credit. This not only ensures that any new or recent requests undergo scrutiny, but also allows you to have extra copies of your credit report so you can check for suspicious activity. You can place one fraud alert with any of the three major credit reporting agencies (Equifax, Experian, TransUnion) and they will notify the other two. A fraud alert typically lasts for a year, although there are options for extending it as well.
Freezing your credit will make it highly difficult for criminals to take out loans or open new accounts in your name, as a freeze halts all requests to pull your credit—even legitimate ones. In this way, it’s a far stronger measure than placing a fraud alert. Note that if you plan to take out a loan, open a new credit card, or other activity that will prompt a credit report, you’ll need to take extra steps to see that through while the freeze is in place. (The organization you’re working with can assist with the specifics.) Unlike the fraud alert, you’ll need to contact each major credit reporting agency to put one in place. Also, a freeze lasts as long as you have it in place. You’ll have to remove it yourself, again with each agency.
You can centrally manage this process with our security freeze service, which stops companies from looking at your credit profile, and thus halts the application process for loans, credit cards, utilities, new bank accounts, and more. A security freeze won’t affect your credit score.
Ensure that your passwords are strong and unique. Many people utilize the same password or variations of it across all their accounts. Therefore, be sure to diversify your passcodes to ensure hackers cannot obtain access to all your accounts at once, should one password be compromised. You can also employ a password manager to keep track of your credentials, such as the one you’ll find in comprehensive online protection software.
If the unfortunate happens to you, an identity theft coverage & restoration service can help you get back on your feet. Ours offers $1 million in coverage for lawyer fees, travel expenses, and stolen funds reimbursement. It further provides support from a licensed recovery expert who can take the needed steps to repair your identity and credit. In all, it helps you recover the costs of identity theft along with the time and money it takes to recover from it.
You can take this step any time, even if you haven’t been caught up in a data breach. The fact is that data broker companies collect and sell thousands of pieces of information on millions and millions of people worldwide, part of a global economy estimated at $200 billion U.S. dollars a year. And they’ll sell it to anyone—from advertisers for their campaigns, to scammers who will use it for spammy emails, texts, and calls, and to thieves who use that information for identity theft.
Yet you can clean it up. Our personal data cleanup service can scan some of the riskiest data broker sites and show you which ones are selling your personal info. It also provides guidance on how you can remove your data from those sites and, with select products, even manage the removal for you.
Comprehensive online protection software will offer you the tools and services listed above, along with further features that can protect you online. That includes a VPN to keep your time online more private from online data collection while protecting it from thieves who’re out to steal credit card and account information. It also includes web browsing protection that can warn you of sketchy websites and malicious downloads that look to steal your information. In all, it’s thorough protection for your devices, privacy, and identity. And in a time of data breaches, that kind of protection has become essential.
The post How to Protect Yourself From Identity Theft After a Data Breach appeared first on McAfee Blog.
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