Fraudsters looking to
boost profits on the sale of a vehicle roll back
the numbers on an odometer, duping buyers
into thinking the car has fewer miles on it than it
does. Credit card fraud remains
the most common type of identity theft in the
U.S. Our estimate was that at
the end of 2020, the U.S. was seeing about $11
billion worth of losses due to credit card fraud. We saw an increase from
$30 billion to $40 billion lost to American
consumers based on phone scams. A person hysterically
crying on the phone said, "I've been in a car
accident." "Greg, is that you?" He said, "Yes." I
gave them everything they needed. I lost $8,000,
which was almost half of my savings. You might never have heard
of it, but it's a type of fraud that affects nearly
half a million vehicles and costs American
consumers more than $1 billion every year. It's called odometer
fraud. Fraudsters looking to
boost profits on the sale of a vehicle roll back
the numbers on an odometer, duping buyers
into thinking the car has fewer miles on it than it
does. American buyers lose an
average of $4,000 a year to fraudsters, and most
don't even know they have been hit. We would like to see
justice for the individual that pays $45,000 for a
car that's only worth $15,000. Average used vehicle
prices rose from about $20,000 in December 2019
to about $27,000 in December 2022. Supply chain disruptions
and shortages in new vehicle inventory have
pushed more customers to the used market, which in
turn is pushing up prices. That's also making used
vehicles more scarce. I can't tell you for sure,
but I suspect with the recent surge in used car
prices that it's becoming more enticing tactic for
scammers. Anyone can be a victim,
and as vehicle technology improves, so does the
technology criminals use. This is Kevin Porter. He and his five
colleagues jobs are to investigate cases where
people tamper with car odometers to defraud
customers or dealers. It is a bit of a stealth
crime, one that can be very hard to detect. A lot of our victims,
they don't know they're victims until we reach
out to them. Often that first
interaction is explaining to somebody this vehicle
that you just paid $14,000 for. It could have been
bought at auction a week earlier for $1,000. A single case of odometer
fraud can, and usually does, involve several
other crimes which carry their own penalties. For example, every car
comes with a title. That title typically has
the mileage on the car at the time of sale. If you falsify the
mileage on the title to the car, which you pretty
much have to do if you change the odometer, you
have also committed title fraud. If the vehicle is
financed through a loan, and the loan terms factor
in the false low mileage as an indicator of value,
that's bank fraud. Sometimes a fraudster
will buy a car and then sell it without putting
their own name on the title in order to avoid
detection. That can be charged as
aggravated identity theft because they are
essentially pretending to be the person they bought
the car from. Another example is wire
fraud. Say if the vehicle is
posted on the internet, social media or websites,
or if the seller is using text messages to
communicate with buyers about the vehicle. Then
if you mail the paperwork, that is mail fraud. Odometer fraud carries a
maximum sentence of three years, but the other
forms of fraud that accompany it can increase
a prison sentence by years or even decades. Lieutenant Jason Schrader
is an inspector with the North Carolina Department
of Motor Vehicles outside Charlotte. The search warrant of a
2008 GMC Yukon. Like other sworn officers
in his department, he carries a gun, a badge,
and handcuffs. All right. Let's see what
we can do with this one. Schrader and his
colleagues investigate car dealerships, used car
lots, auto shops, and any other location where they
have reason to believe people are rolling back
or otherwise tampering with odometer and title
information. A lot of complaints come
from this area of Charlotte right here. A
pretty big hotbed for people. Stolen cars or
selling vehicles, dismantling cars, towing
cars, storing cars. Anything you can think of
with cars. Once they make arrests,
they seize and search vehicles looking for
evidence the odometer has been tampered with. Search warrant. In the
matter of a 2010 Jeep Grand Cherokee. The number of victims in
any given case can also be staggering. Cases
involving only a few vehicles and others
involving thousands. Sometimes a customer with
a lease will roll back an odometer before turning
the car back in, in order to keep the car under the
mileage specified by the lease term. Sometimes a
dealership will roll back an odometer on a used car
or a car coming off a lease, and then try to
sell that car online. Sometimes it's just
independent sellers. We've had cases where
individuals buy a higher mileage vehicle, maybe a
300,000 mile SUV. They roll the odometer
back to 30,000 miles, and then they'll stage that
vehicle out in an accident. And then
insurance is paying out at the lower mileage value
for the vehicle. Porter's office has also
seen cases where people will roll back odometers
to defraud a dealership into thinking work on the
car is covered by warranty. About 10.5 million cars on
U.S. roads are estimated to
have had their odometers tampered with in some
way. About 20% of those have
had their odometers rolled back, a 7% increase over
the previous year. Everybody from all walks
of life could be affected by this. It's not just
one demographic of people or one class of people. So this is a typical
odometer cluster from some vehicles. Let's just say
hypothetically, you had a 2010 Nissan Altima that
you wanted to sell. If you went to pull apart
and found a matching Nissan Altima with a lot
lower mileage on the cluster, you could pull
that cluster, take it home and replace it in the car
that you have. And now your vehicle's
value just increased because the mileage is
lower. It might not seem like a
lot, but the average loss to a customer is about
$4,000. In addition to the
difference in vehicle price, there can also be
higher taxes, higher maintenance bills, and
higher insurance. Experts think there is a
lot of this type of crime going undetected,
primarily because it's very difficult to detect. There's several very
prominent cases that I've worked over the past few
years where we had hundreds of vehicles
involved, but the rollbacks on all those
vehicles did not show up on any vehicle history
report you could buy. Fraudsters seek out cars
with gaps in their vehicle reporting history, which
often includes vehicles serviced at home or
vehicles serviced at shops that, for whatever
reason, aren't logging and reporting mileage on the
car. They would research the
vehicle history if there was a recent reporting,
say, within the past 12 months, that blocked them
from rolling back the mileage. They wouldn't
buy it. They would go on to the
next one that had the latest reporting was
maybe three years ago. Cars older than 20 years
are not required to have their mileage stated on
the title. This also makes them
attractive targets for fraudsters. Discovery
often happens because one customer will notice
something wrong with the car and report it to a
local consumer protection bureau. From there, a
case gets built. Just enough information to
start digging into that dealership. Those
individuals. There's a tremendous
amount of this fraud that's occurring all
across the country. When most odometers were
analog counters on the dashboard, rolling back
an odometer was a matter of manually turning back
the numbered dials. 20 years ago, we could
turn the numbers back by hand. In the children's book and
adapted motion picture Matilda, the eponymous
character's father, brags to the family that he
rolls back odometers using a power drill two. Directional drill. You run it backwards, the
numbers go down, watch you speed up. In the film Ferris
Bueller's Day Off, the characters erroneously
believe they can roll back miles on an odometer by
suspending the car on cinder blocks and running
it in reverse. The miles aren't coming
off going in reverse. It doesn't end well. What did I do. Today with digital
odometers? The increased technical
sophistication of a computerized dashboard
has not stymied criminals. Many digital odometers
can be manipulated just by plugging a device into a
car's computing port and punching in some numbers. People think everything's
digital, so everything should be pristine. But the reality is, is
that for a few hundred bucks, customers can buy
devices that will let them roll back thousands of
miles instantly. As you can see, I'm on
Google vehicle odometer tools. You have all these
different mileage correction, odometer
adjustment. Diagnostics tool. Professional
automotive scanner. Odometer adjustment tool
2899. Odometer mileage
correction OBD Diagnostic Tool $399 on eBay. So you can see that they
range from different manufacturers, different
makes, and different pricing depending on how
much and how in-depth of the technology that you
want to get. Other devices are harder
and might require pulling out parts of a dashboard. However, they are far
from undefeatable. There's different levels
of skill that it's going to take, but we've not
come across a vehicle that can't have its odometer
back. To be clear, buying an
odometer correction tool is not illegal. There are cases where you
can lawfully use one, such as if your odometer
breaks. The more recent fraud
we're seeing involves mileage blockers. These are devices that
ship from overseas that you can download an app
for your smartphone and turn your odometer on and
off with the click of a button. If you drive your
car for 1000 miles, your odometer is only going to
register 100 miles. Obviously, those devices
are illegal and should not be used, but we see those
in growing numbers showing up here in the United
States. No rolling back is
necessary. The owner can still take
the car to service shops, allow them to log the
miles on the odometer, and eventually sell the car
with what looks like a full history of regular
service on a low mileage vehicle, when the actual
mileage might be far higher. Those are the ones that
kind of keep you up at night, because those are
more difficult. There's other ways we get
to those individuals that are doing it those
fraudsters. Ultimately, like other
frauds, Odometer fraud has real world impacts on
real people. My dad was actually a
victim of odometer fraud. He bought a car out of
South Carolina, and the odometer had been rolled
back 65,000 miles. And he didn't contact me. He didn't do his
research, and he didn't know who the guy was or
where he bought it from. It was a very good deal
on a vehicle and he fell for it. So if it's too
good to be true, it probably is. And if it
doesn't feel good in your gut. Then don't do it. Credit card fraud remains
the most common type of identity theft in the
U.S., accounting for over 40% of all identity theft
reports. A total of 271,823 cases
were reported in 2019, more than doubling from
the numbers reported in 2017. You feel violated, anger. There's anger. For me
there's anger. Some some of the other
people I talked to are afraid. I just I get mad,
I get mad, somebody some clown stole from me. This is big business.
These are organized crime rings that are behind the
vast majority of this fraud. And their
operations are industrialized. They are
automated. The Federal Reserve Bank
of Atlanta estimates that over 75% of consumers in
the U.S. have at least one credit
card, and that card fraud losses in the U.S. amounts to a little more
than a dime for every $100 they spend. We really do
have a big problem in the U.S.. We are big targets,
and part of it is because we let our guards down
and we're not. We're not quite as secure
with our payment information because we
like convenience. Our estimate was that at
the end of 2020, the U.S. was seeing about $11
billion worth of losses due to credit card fraud. The vast majority of that
is online. So why is credit card
fraud so hard to stop in the U.S., and how
detrimental is it to the U.S. economy? Credit card fraud occurs
in one of two ways card present or card not
present. For years, card present
frauds were the most popular type of card
frauds, where perpetrators were presenting stolen or
counterfeit cards in order to make a purchase. Most credit card fraud
nowadays, however, are card not present, usually
involving online or over the phone exchanges where
physical card doesn't have to be presented. Card not present fraud is
very easy to commit, so all you need to do is
make a fake identity and steal a credit card
number and you're in business and you can
start committing card not present credit card
fraud. If you're going to commit fraud in a card
present world, you need to get something that can
duplicate a card. You have to buy the
plastic. You have to learn how to copy that chip. It becomes very
complicated. Whereas card not present fraud, you
know, even even kids can do it. It's so easy. There are numerous ways
that criminals can gain access to your credit
card information. It can be as simple as
looking over your shoulder while you're making a
purchase, or as complex as a massive hacking
operation like the 2017 Equifax security breach
that involved more than 200,000 credit card
numbers. To make matters worse,
criminals are getting smarter and more high
tech every year. The dark web and
cryptocurrency has essentially provided a
platform for all the different pieces of the
fraud ecosystem to interact. And, you know,
sort of greased, greased the wheels there. Equally vulnerable are all
of the small businesses - your local pizza chain or
your dentist. You know, all of these
people that are also collecting your payment
data, you know, they don't have necessarily these
big IT departments to make sure that their
infrastructure is secure. And actually, the
organized crime rings love to pick on these little
guys where you can get, you know, 2000, 5000 card
numbers with a single breach. Criminals, however, aren't
the only ones responsible for credit card fraud. In recent years,
companies have seen a massive increase in
what's known as friendly fraud. That's fraud
committed by ordinary consumers out of a
mistake made possible by the rise in e-commerce,
designed to make purchasing easier than
ever. Companies like, you know,
Google and Apple and iTunes. 80% of the fraud
that they see is actually this friendly fraud. So it's we're consumers
are just calling and they don't necessarily
recognize the transactions. These could be
transactions performed by accident or even by their
children without the cardholder's knowledge. Should that be considered
fraud? And who is liable for the
cost? That is a huge problem
that the industry as a whole is facing is what
are we going to do about all this friendly fraud? According to the most
recent Nielsen report, payment card fraud losses
reached nearly $28 billion worldwide. The United
States alone is responsible for more than
a third of the total global loss, making
America the most card fraud prone country in
the world. Part of it is that we are
a very rich country, and part of it is because we
let our guards down and we're not we're not quite
as secure with our payment information because we
like convenience. The economic cost of card
fraud goes far beyond the cost of illegally
purchased merchandise. Businesses often spend
millions to protect themselves from fraud,
buying software and hiring security experts to
monitor transactions. Fraud is kind of like an
arms race. Whatever technology is
being implemented, the fraudsters will
eventually figure out a workaround. So you have
to be constantly investing in those technologies,
and that is a cost of doing business. And in
fact, there's a bunch of different companies out
there that estimate it's anywhere between 10 to
$0.20 out of every hundred dollars is spent on fraud
prevention tools and fraud losses. When a card fraud is
identified or reported, what kind of fraud was
committed determines who is responsible for the
chargeback. For card present, it's usually the
bank that has to bite the bullet. However, with
more prevalent card not present crimes, it's the
merchant that's responsible for the
chargeback. Unfortunately, this includes small
businesses that might not be able to afford such
loss. Chargeback fees can often
range from $20 to $100 per transaction, in addition
to the cost of product or service. So for a big business,
they can absorb a loss, even a pretty significant
loss. So if I have $10,000
worth of fraud in a month, you know, a big company
might go out, you know, it might hurt their bottom
line, but it really won't affect the business that
they have. If a small, you know, one
shop business or a restaurant all of a
sudden has a $10,000 loss, that could be the
difference between making payroll and not making
payroll for that company. There are several
regulations designed to protect consumers from
incidences of credit card fraud. The Fair Credit
Billing Act allows consumers to dispute any
charges in their statement. The
Electronic Fund Transfer Act and Truth in Lending
Act, more commonly known as regulations E and Z,
are also designed to protect consumers from
fraudulent charges and potential billing errors. The amount was $14,000 and
some dollars. It was a big amount I did
and I didn't lose one penny. Us bank did
everything right, including denying all the
fraudulent transactions. So the they were
attempted, but the transactions never went
through. I didn't I didn't lose
anything. However, experts say there
just aren't enough regulations protecting
small businesses from chargebacks caused by
fraudulent transactions. Small businesses, you
know, they don't have these robust fraud
operations. They generally can't
afford really expensive technology that can help,
you know, assess the risk of fraud and help to
control it. You know, these are folks
that just stood up a storefront, and they they
want to sell their stuff. Experts contend credit
fraud is such a difficult problem to solve in the
United States for two reasons. The first issue
is that credit card thefts often go unreported,
uninvestigated, and unpunished by law
enforcement. Small businesses rarely get law
enforcement involved, as they rarely succeed in
catching the criminal. Big businesses also don't
report it out of worry that it would reflect
them in a bad light. And a lot of card frauds
go unnoticed by consumers after banks automatically
clear bogus charges. The reality is, it's so
common and it's so cross-jurisdictional that
it becomes a very difficult thing for law
enforcement to actually go after unless it's, you
know, a very, very large fraud ring that, you
know, you can demonstrate has done severe damage. Okay. Then it's, you
know, worth putting together a
multi-jurisdictional sort of task force and going
after them. When the fraud happened,
I, I contacted the one person in the FBI that I
knew, and we did trade a couple of emails back and
forth, and then he said they were going to send
it to the to the I packaged all that stuff
up and sent that off. He said, we're going to
send that to Florida, to our office in Florida. So he forwarded it to
Florida. That was it. That was it. That's the last I heard. That was it. The sad fact
is, if you're a credit card, card fraud victim
or an identity theft victim, you are on your
own. There's not a human
being. There's no law
enforcement agency on the planet that's going to
help you. And so that's just that's
just that's just the way it is. And that needs to
change. When asked for comment,
the FBI said they look into each reported
complaint and diligently work to investigate
fraud. However, they do not
comment on specific investigations. The other
issue is banks and big businesses who are most
capable of initiating change have no incentive
to eliminate card frauds forever. For companies like Visa
and Mastercard, they make a lot of money off of the
transactions. And, you know, I
mentioned the fees that merchants will pay around
fraud. There's a lot of
companies that make money off of fraud. So when
fraud happens, it increases their bottom
line. So the players that might actually solve the
problem are not necessarily financially
incentive to solve the problem, because they
have a revenue stream that they don't want to
disappear. In response to these
claims, Mastercard said the company invests in
technologies, processes and expertise to prevent,
detect and resolve potential threats. Visa said it is focused
on maintaining the integrity of the payment
network through AI technology, and that
merchants and banks only incur fees from
fraudulent transactions if they cannot meet standard
thresholds for fraud prevention over time. The problem, however, is
getting worse. Nielsen report estimates
that card fraud losses could climb above $40
billion worldwide by the year 2027. The Covid 19 pandemic is
also playing a major role in the explosive growth
in card fraud activity. So the attacks are
currently not being successful, but the the
number of attacks has increased. What happens
in every economic downturn, though, is that
the attacks do start to become more successful. And so over the next 2 to
3 years, I fully expect credit card fraud numbers
to increase in a pretty meaningful way. Most companies are looking
toward technological solutions to solve credit
card fraud, like machine learning or the EMV chip. The effect of the chip is
that it makes point to point fraud, physical
fraud much harder to perpetrate because it's
an encrypted communication. While some European
countries have mandated a multi authentication
system known as 3D secure that has shown promising
results, chances of seeing it in the U.S. is slim. In America, we are the one
click buy. We want everything now
super convenient, and so our tolerance for adding
friction to the checkout process is very low. There's a lot of fear that
it's going to be way too much friction, and people
are going to abandon shopping carts and not
know what to do. U.S. Consumers are
notoriously adverse to friction, and so I just
don't see that we're going to see any sort of
mandate like that happen here anytime soon. Advisors believe that
educating consumers and collaboration between
merchants, issuers and shoppers are two vital
steps in combating card fraud. Consumer awareness is
certainly helpful, so just having basic practices
like keeping an eye on your bank statements,
checking it out once a week to make sure there's
no unauthorized purchases. Um, you know, having the
awareness that, you know, having the same set of
username passwords across all of your online
relationships is not a good idea. However, most experts also
agree that the U.S. is far from ending card
fraud. Okay, here, let's be
depressing for a second. I don't see it being
solved under the current construct. As long as
there's data breaches, there's going to be, you
know, fraud being perpetrated and that that
data being monetized somehow. Now, I can
imagine scenarios where the way fraud is, is
being perpetrated has changes dramatically. And so it may look very
different. Um, but, you know, as
long as money is being transferred digitally,
it's going to be a problem. It was a normal day. I was sitting in the
kitchen. Puzzling. The phone rang, I answered
it. Hello? Person,
hysterically crying on the phone said I've been in a
car accident. I have a broken nose and
a split lip. Greg, is that you? He said yes. He said, you need to call
my lawyer. Gave me a number and a
name. He said, please don't
tell anybody. I said, please let me
call your father. Please. He said, no,
please don't call daddy. I'll explain later. He said, you need to call
my lawyer. You need to get me out of
here. And he gave me his
telephone number and name. I called the public
defender who said he hit a pregnant woman eight
months pregnant, and she had a broken wrist. The good thing was, she
didn't lose a baby. She's stable. He said I needed in order
to get him out. I needed to get $8,000. And he said it needed to
be in cash. They said, don't call
anybody. You can't tell anybody. I drove to the bank, got
the money. Then I called back and I
gave them everything they needed. He said he would
see if they had a courier to pick up the money. They told me to put it
into a shoe box, and the courier walked up the
driveway and he took the money, threw it in the
back seat, and he left. Then I waited. I thought it would take
time for the judge to let my grandson out. So I waited for a little
while and I tried to call my grandson. After a
couple of hours to reach him, I didn't reach him.
He called me finally and I said, when did you get
out? And he said, what? What are you talking
about? And that's what I knew. I was so emotional and
shaken that I wasn't thinking at all. I lost
$8,000, which was almost half of my savings. In a nutshell, any inbound
communication that tries to defraud people of
money, whether that is a voice scam which we call
a call, a phone call, which we call vishing, or
it is a text message, a fraudulent text message,
or a scam text message, which we call smishing
SMS phishing. They look very similar to
what we've come to know in terms of email spam and
phishing, but they're much more immediate. And actually there's a
very tight call to action, which is why the phone is
the perfect device to attack. In 2021, the Federal Trade
Commission, or FTC, received about 1.8
million fraud complaints. In about 36% of those
complaints, the contact method began with a phone
call. Phone scams come in many
forms, but officials have categorized the most
common ones impostor scams, debt relief or
credit repair scams. Business and investment
scams, charity scams, extended car warranties,
free trials, loan scams, prize and lottery scams,
and travel and timeshare scams. 82 year old new
Jersey resident Libby Moyer became the target
of an imposter scam in September. Normally, I don't answer
the phone. This time I did. And the phone. I did not
know who was on the phone. Most of the times I never
answer the phone unless I know who's calling me. Phone scams have been on
the rise. As of May 2022, about 70
million Americans have fallen victim to a phone
scam in the past 12 months. So we saw an increase from
$30 billion to $40 billion lost to American
consumers based on phone scams. One is that it's
very cheap, right? It's very cheap to set up
an automatic dialer and to plug a bunch of phone
numbers into it, whether they're random or they
they are very intentional by geography or by
demographic and place millions of phone calls
in a very short period of time because it's a
numbers game, right? We know that not
everybody's going to be susceptible, but you
don't have to get that many. I think the second
reason is that the mobile telephone is the mobile
device is ubiquitous. Everybody has one, and we
all spend far too much time looking at them. And that's all
demographics. You want me to buy $30,000
worth of target cards, Mark? You might have seen videos
around the internet of content creators who are
sort of scamming the scammers. Let me get this straight.
It's that if I don't get you the money today,
you're going to lose your job. Hey, I'm Kitboga and I
spend the majority of my time trying to convince
scammers that I'm the perfect victim. In general, scam baiting
is becoming the perfect target for a scammer,
baiting them into believing that they
should spend all of their time and effort focusing
on you. These guys will make
thousands of calls trying to get somebody who will
say, yes, I will let you on my computer, or I will
go buy gift cards or whatever their scam is. And so my job or a
scambaiters job is to become that perfect
victim who seems like they're going to comply
with everything, but in the end, we are just
collecting information and reporting it to fraud
professionals or otherwise wasting their time. Almost every scammer that
I've talked to will give some sense of urgency,
and they will kind of make demands as if you have to
respond right now. You have to listen to
everything that they're saying. They'll often
tell you not to hang up the phone. No no no no
no, don't don't hang up. You have to do this right
now. Don't talk to any of your family members. It's very. They're trying to take
advantage of the moment. All I heard was you're not
allowed to tell anybody. And, you know, if I had
just called one person, they could have talked me
down. We could have
rationalized it. I wasn't thinking at all. I was just shaking. My whole body was shaking
and I was emotional. If they have your
attention and you're trusting them, they have
to make their scam happen immediately because they
know that if you hang up and talk to someone else
in your family, or you stop and you start to
think about what's happening, often you will
realize that something doesn't add up. So yeah,
a common thread is the the urgency and the threats. My job is at stake because
it was my mistake. Instead of putting up the
number correctly, I entered the number wrong. Contrary to popular
belief, younger Americans appear more likely to
lose money to a phone scam than their older
counterparts. Also, men are more likely to be
scammed than women. I do think it's a very
common misconception that only the older generation
gets scammed. I see it in YouTube
comments or in conversations with
people, but I get emails and messages probably
every day of someone falling for a scam. And most of those
messages are younger people. And and they'll
tell me their stories about whether it was a
dating scam or some of them are the these tech
support scams and a common thread is they were busy,
they weren't really paying attention to the script
or what was going on. And and they they fell
for it. And so I think any it can
happen to anyone. And I'm surprised that
young people are getting scammed because I find
that young people don't trust the way we do from
my generation, I think they're less trusting. One, they really are
attached to their phones. Two, because so much of
this is based on social engineering. The younger
generation has exchanged convenience for privacy,
and they share so much about their lives on
social media that it's very easy to go in and
say, okay, I know where he went to school, I know
who his connections are. I know where he works. I know what he buys. Right? And so if you
think about the ability for social engineers to
get that type of information and target
individuals, it's much easier in that set. Don't answer the phone,
especially if you don't know the number. Let them
leave a voicemail if you want and you can listen
to it later. When it comes to the
texts, do not click on links that are in text
messages unless you can. A very simple thing to
do. If you get a text, scroll up and see if
you've ever gotten a text from them before. Ask them for a case
number. If it's your credit card
company and they're saying there's a problem with
your credit card account, ask them for a case
number. Ask them for their
employee ID and hang up. And then call the number
on the back of your credit card. Make sure that you
know who you're calling. It's so easy for someone
to spoof a phone number from your local police
department or from your credit card company, so I
try to tell people, keep that in mind. Register with the FTC's do
not call list. Make sure that you just
go to the FTC website. You'll find it very easy
if you search for do not call and register with it
on that list. That means nobody that
doesn't have a relationship with you
that you haven't consented or given permission to
call you, is supposed to be able to call you. Businesses should only be
able to call you if they have a relationship with
you. I. We're vulnerable. I you know, I hate the
thought that there are people like this in the
world that would do something like this. I feel sorry for these
people who do this because they are very sad human
beings. You stay here.
