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Fraud-Related Articles

The Toronto Chapter is currently working to provide relevant articles for local fraud fighters and the GTA community. Check back often as we make updates! Have an article that should be shared? Email admin@acfe-gta.com with a link, and we will read it!

  • Wednesday, December 18, 2019 3:50 PM | Anonymous member (Administrator)

    The  Privacy Commissioner of Canada suggests you understand your rights as governments seek to crack down on fraudulent and other criminal activity at border crossings:

    Our Privacy at Airports & Borders

  • Wednesday, December 18, 2019 3:20 PM | Anonymous member (Administrator)

    VISA Warns Rise in Gas Station POS Attacks

    Try using Apple Pay or Google Pay instead of your credit or debit card.

    When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers, and when you pay, your card numbers are never shared by Apple with merchants.

    Google Pay using a virtual account number, which is a type of temporary alias for your actual account number. A virtual account number is created when you add a card using the Google Pay app or your banking app. When you pay in stores, for example, your virtual account number is shared with the merchant instead of your actual account number. This helps to keep your account information safe.

    NOTE: This information is not to be constured as an endorsement by the ACFE-GTA Chapter of Apple, Apple Pay, Google, or Google Pay.

  • Wednesday, December 18, 2019 2:20 PM | Anonymous member (Administrator)

    A quick read to better understand the need to act quickly when reporting stolen credit cards or reporting fraudulent entries on your account statements...

    Act Fast and Check Regularly

    Check your statements on a regular basis

    Doing some things once in a blue moon isn’t good enough, be it flossing your teeth or checking your financial statements for fraudulent charges. Regularly checking means you’ll spot fishy charges before they cling to you.

    We the consumers aren’t typically held responsible for fraudulent activity – but only when we report bad charges in a timely fashion. Don’t delay, if you don’t want to get stuck paying for somebody else’s purchases on your credit card!!
  • Tuesday, December 17, 2019 5:46 PM | Anonymous member (Administrator)


    If you use Life Labs website to book appointments and/or to obtain your lab results, you need to change your password and  your security question & answer on the "Appointment" website...AND the password and security phrase on the "Results" website.

    We understand that the "Results" website has been locked and you will need to use the "Forgot Password" option to send a password reset request to your email address. Once you receive the email, which could take a few hours, you will need to follow the instructions in the email.

    It is obvious that all businesses, including major corporations, have a lot more work to do to ensure proper cybersecurity is in place. The current situation is unacceptable.

    Until that happens, consumers are urged to be prudent about what services they use online, how much information they voluntarily store on those services, and whenever offered by the website, use TWO FACTOR AUTHENTICATION to a mobile phone, landline phone, or an authentication app (such as those provided by Authy or Google, or Microsoft) as a second layer of protection, above and beyond a strong, non-reused password.

    Being diligent means a little inconvenience!! For example...once you have paid online for an item using a credit card, make sure you DELETE the credit card information from the site and don;t check the box to save the information for future use. This is an inconvenience, no doubt...but it will reduce the harm should this merchant or website get attacked. In the case of the LifeLabs attack, there is not much a citizen can do to reduce the information that is stored there; however, you MIGHT be able to delete your Health Card Number.

  • Tuesday, December 17, 2019 5:38 PM | Anonymous member (Administrator)

    CTV News in Edmonton has published this story about a Canadian resident who received a SCAM call - using the CRA scam format - and then talked to the scammer (from Bangeldash) for 90 minutes...



    All these calls are SCAMS.
    NO ONE is coming to arrest you!
    NO ONE has placed charges against you!

    HANG-UP the phone.


    DON'T GIVE OUT ANY Information.

  • Monday, October 07, 2019 1:17 PM | Anonymous member (Administrator)

    Toronto, Ontario:

    Recently, Ryan Duquette, a member of the incoming ACFE-GTA Chapter Board of Directors, and the recently appointed Senior Vice-President, Professional Development for the ACFE-GTA Chapter spoke with the CBC programme Marketplace as they investigated Tech-Support scams that are targeting Canadians.

    The Bottom Line:

    NEVER allow anyone ACCESS to your computer. NEVER!

    These callers LIE...There is NOTHING WRONG With your COMPUTER!!



    Ryan said on his LinkedIn posting about the interview, "Education is a great method to reduce victimization and I hope this episode stops even one person from falling for this growing and popular scam. Kudos to the Marketplace team for their dedication and hard work in educating the public on scams and frauds." Ryan is a Partner with RSM Canada LLP in their Security, Privacy and Risk Consulting Practice.

    Check-out the story here: https://www.cbc.ca/news/world/tech-support-scam-india-marketplace-1.5298336

    And check-out the video here: https://www.youtube.com/watch?v=NGiznJMGM-0&feature=youtu.be
  • Monday, October 07, 2019 12:28 PM | Anonymous member (Administrator)

    Toronto, Ontario:

    The "Naked Security" Blog by Sophos has released information on a vulnerability that places most Android phones at risk.

    You can read the details here.

    However, the main point is that to ensure your Android phone is secure, you should install the latest (October, 2019) security updates from your Telecom or manufacturer as soon as they become available later this month.

    Sophos provides free anti-virus software for individual, personal home use.

    This post is NOT an endorsement of or advertisement for Sophos. The ACFE-GTA Chapter only provides information on free Fraud Prevention Resources that are available online and in the community for the benefit of our communities.

  • Wednesday, September 25, 2019 11:17 PM | Anonymous member (Administrator)

    Toronto, ON:
    The Eyeopener, one of Ryerson University's student newspapers has published an article on an alleged "Multi-Level Marketing (MLM)" scheme that is being presented to students.


    The newspaper approached the ACFE-GTA Chapter for clarification on MLM schemes and Pyramid schemes, and the Chapter was able to provide some information on what anyone should do when they are approached to invest money or participate in such schemes.

    It is important for anyone being approached to invest money in or participate in any program or scheme – the students at local universities in this case -  to do their research before signing up for any such MLM schemes.

    It is important to learn more about the company, their track record, and the products they are selling. One tool is to do an internet search with the name of individual who is approaching you, and another search on the company itself, and include words like “review,” “scam,” or “complaint.” Also, look through several pages of the search results – don’t just look at the first page. It is also helpful to look for articles about the company in newspapers or magazines that report on or are supported by the specific market segment. Things to learn include:

    • How long the company has been in business
    • Whether the company has a positive reputation for customer satisfaction
    • What the buzz is about the company and its products on blogs or websites
    • Whether the company has been sued for deceptive business practices
    • Whether the respective provincial ministry has any complaints about the company; however, a lack of complaints does NOT guarantee that a company is legitimate.

    NEVER sign a contract and NEVER pay any money during their first or second meeting with these people. AND…NEVER rush into making a decision, no matter how lucrative or time-limiting the offer may be. Remember…if it sounds too good to be true, it will NOT end well for you!

    • Obtain a copy of any agreement or contract in writing, and up-front.
    • Understand what you are being asked to join…get the compensation structure, what your costs are going to be, reliable support for the marketing claims about how much money you can make; how to get out of the contract or obligations and what it will cost to leave.
    • Avoid anything where the commission or reward for recruiting new “distributors” is more than the price of the products you are going to sell. This is a sure sign of a pyramid scheme!
    • And finally… and get some legal advice BEFORE signing or agreeing to anything.

      In the case of the local university students, perhaps a Business Law professor or Marketing professor would share their thoughts over a cup of coffee.

    Also, it is important to remember that you will most probably end up targeting your family and friends with these products or schemes.

    And, with all the levels of promoters up-the-chain, the cost to the end-user could be significantly higher than if they purchased a similar product in a retail store or online, say at Amazon…Don’t alienate your family or friends…These things also tend not to end well.

  • Friday, August 30, 2019 11:34 PM | Anonymous member (Administrator)

    Many big companies have been victimized in recent years by massive data breaches that exposed millions of customers’ personal identifiable information.

    In a 2018 Scam Report, First Orion, a US backroom technology supplier to mobile phone companies reported that nearly half of all mobile calls would be scam calls in 2019.

    And...fraudsters are now using this stolen personal data to pretend to be calling from a company you use and trust in a new, more effective scam strategy called Enterprise Spoofing. 

    As many consumers have stopped answering their phones, scammers are changing their approach. According to a recent Consumer Reports survey, 70% of consumers do not answer incoming calls from an unknown number. As a result, Enterprise Spoofing is on the rise – pretending to be a legitimate business by using software to falsely show a familiar business name and its main calling number. 

    So, if you get an unsolicited and unexpected call from what looks like your bank, credit card company, or retail shop, etc...the  best thing you can do is HANG - UP right away, and if you want to follow-up...call them back using the number you have on your OWN Statement or documentation from the firm.

    NEVER use the call-back number provided by the scammers.

    NEVER give out any personal information over the phone, in an email, or in response to a letter received in the mail - not matter how official it looks!

    ALSO, if you see an unknown call on your mobile or home phone call display, and wonder who called you...NEVER call them back. Wait until they call you back to determine if it is legitimate...but still follow the two "NEVER" rules above!

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