Wednesday, October 26, 2016

URGENT! Your Banking Access Restricted. (Phishing E-Mail)

This is a phishing email I got pretending to be from US Bank. The email address this came from was The email contained a link which if you click on has you fill out your personal information so these scammers can steal your identity. 

Dear U.S.Bank Member,

Our records show that one of the following information is outdated:
  • Personal ID
  • Password
  • Personal Identification Number* (PIN)
  • Contact Information
We earnestly ask you to Verify your information in order to continue using your account, Failure to verify your information will result in account suspension. 

Please, CLICK HERE (link removed) to start the verification process. 

If you receive this email do not click on any link in it. This is a complete scam. Forward the email to 

Friday, October 21, 2016

Golden Hub Inc AKA My Millionaire Mentor

So I have been seeing this email that's going around by a company called Golden Hub Inc. This email is going out to people who have posted their resume online looking for work. I will post this email below and you will see that this is pretending to be a real job. This is not a job but a some kind of "mentoring program". This company is clearly affiliated with My Millionaire Mentor In order for you to work with this company you need to pay $49. It has a constant gimmick saying that they only have 7 spots left at that price. Here is a copy of the email online including the links in the email so you can see that Golden Hub Inc is really My Millionaire Mentor.

Golden Hub Inc.

Dear Applicant,
We are pleased to inform you that you have been selected for the position of Administration at Golden Hub Inc.! We had many qualified candidates, but you seemed to be best fit for our growing business.

Your appointment will be effective after your confirmation. We have some rules and regulations. Read all documents before your confirmation message.

Rules for Probationary Period

Job Facilities

You should report within 72 hours.
We are looking forward to your joining our team and invite you to let us know if you need additional information or have any questions.

Human Resources Team
Golden Hub Inc.

The 2 links in this email go to and have no information about rules for probationary period or job facilities. This email I would consider to be a complete scam. It is clearly made to look like a real job offer. This could very well be an affiliate who is sending out these emails but based on the reviews I have read I would stay away from this company.

Tuesday, October 11, 2016

Arbitration Collection Agencies

You or someone you know with either a very old debt or a non existent debt may have gotten a call from a company who has purchased the debt claiming to be not a collection agency but an arbitration firm. They usually will say that they are with the litigation department and that they will be sending someone out to serve you with papers about a lawsuit. They will use all these technical legal terms to get you scared enough into paying the debt. Each state has a different statute of limitations for debt but where I live in NH it is 3 years. This means after this time they cannot take you to court over this and these companies know this. They just want you to make a payment arrangement because that way it reopened the statute so NEVER do this.

No matter what these people will tell you you are not going to go to jail for not paying a debt even if it is valid. Chances are good that these people contact you just to scare you with no intentions on suing you. If you happen to answer your phone when they call just tell them you are expecting legal papers by tomorrow and if you don't have them you will file suit against them for violating the Fair Debt Collection Practices Act. This will sometimes make them go away because they figure you know what your talking about. If this continues report them to the FTC and contact an attorney if you want to take it to court. Violations of the FDCPA are a minimum of a $1000 fine for each violation. If they are severe enough it will cost them much more and possible criminal action will be sought.

Times are tough for people and these collection agencies that purchase very old debt know that if they follow the law its going to be hard to get people to pay. That's why they represent themselves as an arbitration firm because they feel that once people hear that they are going to be more willing to pay. This is considered extortion which is illegal and NEVER let anyone do this to you. If you have been harassed by a company like this then your best bet is to contact an attorney. If this company is making threats about hurting you or saying that they are police officers then you want to contact your local police station.

Friday, October 7, 2016


I received this email the other day in my inbox. It is a black message with a pdf attachment file called USAA ONLINE NEW PDF MESSAGE FOR YOUR VIEW.pdf. The only email address I could find associated with this email is but that can easily be a hijacked account. Here is the text this pdf showed. It contained a link disguised as a legit USAA site which has you enter your personal information so the scammers can take it.

Customer ID : 000-5432-862172-PSI
Due to concerns, for the safety and integrity of the USAA account, we have issued this warning message.
Your USAA account information needs to be updated as part of our continuing commitment to protect your account and to reduce the instance of fraud on our website. Kindly login to update
on We appreciate your support and understanding, as we work together to keep USAA Bank a safe place to do business.
Thank you for your patience in this matter.
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