Scam Alert: Fake PayPal payments and insurance claims

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Fake PayPal Payments
If you are someone that likes to sell items online you need to watch out for this scam.

You post a big ticket item online like a car, computer or furniture to sites like Craigslist, eBay or another sales site. An interested buyer contacts you and says he or she wants to buy the item right away and arranges to meet you for the exchange.

Here is where things get weird. When you arrive the buyer doesn't have cash but instead claims to have sent the money through PayPal. This is where the fake emails that appear to be payment confirmation messages from PayPal come in. The scammer may even claim the transfer is invisible and you can't see it in your PayPal account. Don’t fall for this, this is a scam!

Unfortunately, it doesn’t stop there. Sometimes there's a twist. The scammer may even claim that they over paid you. They say they sent $2,000 instead of 200 and they want you to wire back the money.

DON’T DO THIS! If you do wire them money back, not only did you lose out on that money but they have all of your information.

Dreama Jensen, who works with the Better Business Bureau, says this is why cash is the best. She says credit cards would be the next best thing but then you need to worry about stolen credit cards. That creates a problem for you as well.

Keep this in mind

Don’t accept checks or money orders.

Be wary of overseas buyers.

Remember, there is no such thing as an invisible transfer.

Make sure you meet at a safe and busy place, never at your home.

Always contact your local police department if you are looking for a safe area to meet or to see if you can meet in their parking lot.

Fake Insurance Claims
Another scam going on right now seems to be targeting the elderly and has to do with Medicare and other insurance claims and scams.

Recently, the Better Business Bureau heard from a local resident who said they got a call from a woman claiming to be from Humana. She says the caller didn’t give her last name but said she could save her $104 a month on insurance.

Luckily, this resident asked for her full name, address and phone number so she could check with her daughter. They called Humana to confirm the call and were asked for their reference number.

This resident said she didn't get one and was told by Humana that they didn't have anyone by that name.

Both realized this was a scam.

Jensen says these are robo calls at this point. It appears they have a list of those in the senior category because so far all of the calls they have gotten are from people who have Medicare.

So, if you get a phone call like this here is what you need to be aware of. These callers, or scammers, are telling folks with Medicare that they are renewing their cards or that they are sending them new supplies. Here's a heads up, typically letters are sent out by these insurance companies not phone calls. Also, they are not renewing or canceling cards right now.

Finally, do not give any information out over the phone. These scammers are looking to get as much information as possible for identity theft purposes.