xello deception

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• The webpage warns that victims of immigration fraud can have devastating effects on their case, and offers tips and resources to help them avoid fraud and unauthorized practice of immigration law.
• The author is an immigration attorney at a nonprofit in NYC.
• The immigration law is federal and licensed attorneys do not have to be licensed in the state where they work, but should be searchable in the state database where they are licensed.
• Do not sign blank forms; always have forms or affidavits translated into your native language before signing; if you do not understand something on a form, ask questions before signing; if there is any incorrect information on a form, however minor, do not sign until it has been corrected.
• Always request copies from your lawyer of any paperwork they file on your behalf.
• Never give your original documents to anyone, including an attorney. It is very rare that an original document needs to be sent to USCIS or the immigration court.
• If you believe you have been the victim of immigration fraud or an unethical attorney, report this to your local law enforcement. For attorneys, there is also a specific process to report them to the licensing authority in the state they are licensed to practice.
• The author provides a detailed retainer agreement (sometimes called a representation agreement) as a format for the contract between a client and an attorney about the specific work the attorney will do for the client and how much it will cost (if there is a cost). It should be translated in the client’s native language and written in client-friendly language. The agreement also explains the client’s and the attorney’s roles and responsibilities.
• DOJ representatives must be registered with the department: Recognized organizations and individuals are listed on a state-by-state roster.
• All immigration-related forms are available for free online. Never pay someone just to access the forms.
• Be aware of the 10 year visa scam. To pursue a 10-year visa, individuals must enter deportation proceedings and prove “extreme, unusual, and exceptional hardship” to a qualifying family member.
• Before starting a case, an attorney or DOJ representative should always have the client sign an agreement (i.e., a retainer or representation agreement).
• If you believe your attorney acted unethically or did not provide you with effective representation, you may be able to make a Lozada claim, which may be able to help protect you from consequences of their bad actions.
• The article provides a list of resources on how to avoid immigration fraud.

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• Always use credit cards over debit cards
  • If there is fraud on a credit card, the bank has lost their money, and they will do everything in their power to get it back, but a fraudulent charge on a debit card means the cardholder loses their own money and must fight to get it back.
  • Even when cancelling a credit card, if a merchant automatically rebills the cardholder (e.g., Netflix), they can still use the old credit card number.
  • Cash is becoming less necessary
• Turn on text message alerts for any and all transactions > $0.00 (or $0.01)
  • If a text message alert is received and the transaction is not recognized, report it immediately as fraudulent and call the credit card company.
  • For fraudulent transactions, the credit card company will cancel the card, create a next-day air label for the new card, reject the authorization on the account, etc.
  • In the past 10 years, the author has received three alerts for transactions that they didn’t recognize. All were resolved easily by calling the credit card company and it saved them from losing any money.
• Exceptions to the credit card rule
  • Some purchases may have additional protections with a debit card (e.g., extended warranty).
  • Credit cards may have higher fees or lower credit limits.
  • Cash is still needed for some expenses (e.g., bakeries accepting cash only).
• Discussion on using banks for cash
  • Some people go to an ATM to withdraw cash using a debit card, while others avoid debit cards altogether.
  • Some people only use online banks or community banks for cash withdrawals, while others use credit unions that can withdraw funds across different locations.
  • There are advantages of having an account with a local credit union.
• Reddit comments (karma included)
  • Response to using a bank for cash: for some people, it may be ridiculous to go to a bank for cash, as they may not have access to a bank when open and may not need cash often. (-47 karma)
  • Response to the above: cash is still useful for situations like tipping housekeeping or getting tacos from a food truck when they only accept cash. (-10 karma)
  • Response to using online banks only: they haven’t gone into a bank in over a decade. (3 karma)
  • Another response to using an in-person credit union account: only keeping it open because it’s required for their mortgage. (0 karma)

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• The post describes a recent case of wire fraud that resulted in losing $100k to a title company scam.
• The scammer impersonated the title company agent and sent a wire transfer request for the closing cost to be put in an escrow account.
• The victim wired the money to a Bank of America account, which happened to be frozen by the government and seized from the scammer.
• There are comments from other users who have similar experiences or have heard of wire fraud scams targeting real estate transactions and title companies.
• Some users shared their strategies to avoid falling victim to wire fraud, including calling the title company directly to verify wire details and physically picking up wire details from the company.
• It is mentioned that title companies should provide specific warnings about wire fraud to prevent negligence.
• Some users speculate that the title company may have been hacked or compromised.
• A bank employee commented that banks ask customers many questions to prevent fraud and advises them to check account details and verify recipients.
• One user warns that failure to be sufficiently warned about wire fraud could be considered negligence in the year 2022.
• A second user suggests going after the title company on the basis that they may have been hacked, revealing customer information.
• Another user notes that smaller title companies may not have adequate phishing education for their employees.
• Some users emphasize the importance of being diligent and suspicious when dealing with large sums of money and to always call to verify details.
• One user advises against using a title company recommended by the seller, as it could be part of a scam.
• Several users express empathy for the victim of the wire fraud.
• The victim later updated the post to say that BoA recovered the money and resolved the case after three months.
• The recovered money was seized from the scammer’s account, which had hundreds of thousands of dollars from other victims.
• The victim’s bank had initially been unable to reverse the wire, but later required them to sign a form before attempting to recover the wire.
• The victim made a police report and reported it to the FTC/FBI but believed it was unlikely to recover the money.
• The victim expressed regret at not having taken more precautions to avoid being scammed and being more aware of how scammers operate.

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Notes:

• The post on r/Superstonk is from 2 months ago and has 15 points
• The post explicitly states that it will not discuss financial or investment advice
• S7-32-10 is an SEC regulation regarding securities-based swap transactions
• The regulation prohibits fraud, manipulation, or deception in connection with these transactions
• The regulation also prohibits undue influence over Chief Compliance Officers and requires position reporting of large security-based swap positions
• The post explains that there are certain exemptions under the regulation for certain entities and types of swap transactions
• The regulation applies to both registered and unregistered security-based swap dealers
• The post emphasizes the importance of S7-32-10 for maintaining transparency and preventing fraud in the financial industry
• The post suggests that the regulation could potentially impact retail investors, but does not provide specifics on how
• Commenters on the post raise questions about the impacts of S7-32-10 on retail investors but do not reach a consensus.

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• A person shared their experience with identity theft and how they resolved it using identitytheft.gov.
• Another user mentioned that placing a security freeze on credit bureau files and creating an IRS Identity Protection PIN can prevent identity theft.
• The user recommended that people freeze their credit reports, as it stops criminals from opening a credit card in someone’s name or committing insurance fraud. They stated that the inconvenience of unlocking credit files (when applying for a credit card) is much less inconvenient than dealing with weeks or months of solving identity theft issues.
• Individuals discussed the ways debt collectors may pursue identity theft-related debts, including going to court, paying legal fees, and having assets seized or frozen.
• The website identitytheft.gov was highly recommended as a useful resource for those dealing with identity theft. According to the user, it is easy to navigate, offers a wizard that auto-generates a “Recovery Plan,” and explains one’s rights.
• Some Canadian Reddit users lamented that Canadians don’t have the options to freeze their credit reports or receive protection PINs for their SINs.
• Users suggested different ways to monitor credit scores and detect identity theft, including annualcreditreport.com and CreditKarma.
• One user shared a personal story about their friend stealing their identity and racking up thousands of dollars’ worth of debt. They subsequently placed a freeze on their credit reports but didn’t have their identity verified when applying for a Sprint plan or a car loan.
• Reddit users discussed whether checking one’s credit score can lower it. While some believed it could, others said it doesn’t impact it unless one is applying for a credit card or loan.
• One user suggested that generating custom PINs should be mandatory for protection purposes.
• Another user mentioned that having a security freeze may cause car or home insurance premiums to increase.
• Some users commented on the drawbacks of CreditKarma, where they may show deceptive ads.

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• The webpage provides a comprehensive guide that helps individuals who have been the victim of identity theft.
• The first step advised by the author is to prevent any further usage of one’s identity by freezing their credit. To do this, individuals must contact any of the three credit bureaus - Experian, Equifax, or TransUnion, and follow their instructions to initiate the freeze.
• The author recommends that individuals place a fraud alert on their account, which involves alerting the credit bureaus that they have been a victim of identity theft. By doing this, lenders that check the affected person’s credit will be alerted to possible fraudulent activity on their account and will take further steps to verify their identity, such as calling them before extending any lines of credit.
• The author advises individuals to contact their bank, credit card company, or any financial institution they have to inform them of the incident, regardless of whether the affected account was used in the theft. This would help the institutions to be extra vigilant in ensuring that only verified users can access the accounts.
• The author suggests using a credit monitoring service, such as Identity Guard or LifeLock, that can monitor any activity relating to one’s identity and notify them immediately if something happens. Such services can provide timely alerts notifying victims of any strange letters sent regarding credit inquiries days before they receive a mailed notice notifying them that their identity has been stolen.
• The author recommends reporting the incident to several entities, including one’s local Police Department, the Federal Trade Commission (FTC), the Office of the Inspector General, and any relevant police department, depending on what was done. Victims may also consider contacting the United States Postal Service (USPS) if relevant. Documentation of every case number or confirmation number given by the authorities is likewise recommended.
• The author advises victims to change the passwords to everything, as their current password(s) may not be safe anymore, particularly if they were able to access them. He recommends using applications such as KeePass to help securely store passwords, especially complex passwords.
• The author suggests that individuals enable multifactor (2FA) authentication using the authenticator app, such as Google or Microsoft authenticator, if possible, or use SMS (text messages) or phone calls as another form of 2FA, but this comes with its exploitative risks. Reusing the same password is not advised.
• The author strongly recommends checking one’s email account and the account associated with their identity monitoring service as often as possible to keep oneself informed of any incidents or changes that could occur using

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