ScamsNOW.com Sitemap – View All Of Our Articles – 2023

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2023-10-04T10:17:57-04:00

Scams and Cryptocurrency Go Hand in Hand

Scams and Cryptocurrency go Hand in Hand

Authors:
• Yaniv Hanoch, Associate Professor in Risk Management, University of Southampton; and
• Stacey Wood, Professor of Psychology, Scripps College

Scams And Cryptocurrency Can Go Hand In Hand – Here’s How They Work And What To Watch Out For

When one of our students told us they were going to drop out of college in August 2021, it wasn’t the first time we’d heard of someone ending their studies prematurely. What was new, though, was the reason. The student had become a victim of a cryptocurrency scam and had lost all their money – including a bank loan – leaving them not just broke, but in debt. The experience was financially and psychologically traumatic, to say the least.

ScamsNOW! The News & Commentary Magazine about Scams Fraud & Cybercrime from SCARS

ScamsNOW!™

The News & Commentary Magazine about Scams Fraud & Cybercrime from SCARS

A FREE Resource from the Society of Citizens Against Relationship Scams Inc.
The World’s Leading Information Provider About Relationship Scams

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ScamsNOW.com Psychology of Scams/Victim Psychology Articles

Welcome to ScamsNOW.com

ScamsNOW.com! the SCARS news & features magazine about scams & fraud

Our ScamsNOW mission is to present important news & commentary about the global state of scams, fraud, & cybercrime, the criminals that engage in these crimes, law enforcement & governmental issues, and explore the challenging issues that victims face.

SCARS Editorial Team2024-01-19T15:31:09-05:00

ScamsNOW.com Editorial Policy

About SCARS Publishing on ScamsNOW.com

Masthead

Owner: Society of Citizens Against Relationship Scams Inc., a Florida Nonprofit Corporation.
Publisher in Chief: Dr. Tim McGuinness, Managing Director, Board Member, and SCARS Officer
Press Contact: Debby Montgomery Johnson, Director, Board Member, and SCARS Officer
Editorial Advisory Board: Vianey Gonzalez, and others.

Corrections

We will revise our website and articles as needed to maintain the correctness, competency, and accuracy of our contact. We cannot promise to notify our readers when this happens, though you will find updated articles in our listing of updated posts.

Introduction

SCARS holds its journalists, reporters, writers, content curators, video producers, commentators, editors, and all other employees, volunteers, contributors or contractors (hereafter referred to as content creators) to the highest standards of ethics and professionalism. These ethical and editorial standards have been created to guide content creators to create an extremely trustworthy publication for our audience. In addition, we are publishing these standards so that the public can know them in the spirit of transparency.

If our audience can’t trust the content we produce, they will not be able to use this information in their recovery and to avoid these crimes in the future. And if the content we produce is not truthful, useful, instructive, or wholesome, our existence as a nonprofit company cannot be justified. Therefore, SCARS expects its content creators to not only keep, but also build trust with our readers and viewers by producing content that conforms to the standards laid out in this document.

Telling the Truth

2023-07-07T18:12:31-04:00

Hypergamy Delusion and Romance Scams – A Fundamental Vulnerability – 2024

Hypergamy Delusion and Romance Scams

A Fundamental Vulnerability Shaping Relationship Choices and Leading to Relationship Scams

Primary Category: Psychology of Scams

Authors:
• Vianey Gonzalez B.Sc(Psych) – Psychologist, Certified Deception Professional, Psychology Advisory Panel & Director of the Society of Citizens Against Relationship Scams Inc.
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

Hypergamy, the tendency to seek a partner of higher socioeconomic status, influences relationship dynamics shaped by evolutionary instincts, cultural norms, and contemporary aspirations. It can play an important role in romance scams/relationship scams by leading individuals to make biased choices.

Traditionally observed more among women seeking stability and social mobility, hypergamy reflects desires for financial security and status enhancement. In contrast, men often prioritize youth and physical attractiveness, rooted in evolutionary cues of reproductive fitness.

Hypergamy manifests through curated social profiles that project wealth and success, influencing partner selection in online dating and online social interactions. However, this aspiration-driven paradigm also poses risks, as scammers exploit hypergamous triggers to manipulate emotions and perpetrate financial fraud.

Boredom: A Potential Principal Cause In Online Scams & Scam Victims Vulnerability – 2024

Boredom: A Potential Principal Cause In Online Scams & Scam Victims Vulnerability

Understanding a Principal Vulnerability to Online Relationship Scams

Primary Category: Psychology of Scams

Authors:
• Vianey Gonzalez B.Sc(Psych) – Psychologist, Certified Deception Professional, Psychology Advisory Panel & Director of the Society of Citizens Against Relationship Scams Inc.
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

Boredom plays a significant role in driving individuals towards risky online behaviors, often leading to scams and financial fraud. The study “Sounds boring: the causal effect of boredom on self-administration of aversive stimuli in the presence of a positive alternative” by Yusoufzai et al. (2024) highlights that boredom, more than loneliness, compels people to engage in adverse online interactions.

Despite being aware of potential risks, the overwhelming desire to escape boredom prompts individuals to seek stimulation in unsafe ways. Scammers exploit this vulnerability, making boredom a key factor in online fraud.

Are Corporate Employees That Fall For Scams – Victims Or Negligent? – 2024

Are Corporate Employees That Fall For Scams – Victims Or Negligent?

An Analysis of the Consequences of Being Scammed in the Corporate Context

Primary Category: Editorial/Commentary

Author:
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

A conversation with a leading cybersecurity training company highlighted the prevalent belief that employees responsible for cybersecurity breaches are reckless and negligent. However, this perspective can harm organizational security by creating fear and inhibiting employees from actively participating in remediation efforts.

Recognizing employees as victims of sophisticated social engineering tactics rather than as culprits can foster a more supportive environment, leading to better prevention and recovery from cyberattacks.

Amazon & Global Cyber Alliance Launches CyberFlex to Help Young Adults Avoid Scams and Cybercrime – 2024

Amazon & Global Cyber Alliance Launches CyberFlex to Help Young Adults Avoid Scams and Cybercrime

Creating Better Tools to Help Teens & Young Adults to Stay Safe Online

Primary Category: Scam Victim Advocacy

Author:
• SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc.

About This Article

The Global Cyber Alliance (GCA) and Amazon announced the launch of CyberFlex.org, an innovative website designed to help 18- to 25-year-olds avoid scams and cybercrimes.

CyberFlex.org offers targeted information, free tools, interactive guides, and text alerts to prevent, mitigate, report, and recover from scams and other cyber risks.

By raising awareness and shifting attitudes about online threats, CyberFlex.org provides young adults with practical steps to protect themselves and share their experiences.

Neurodivergent/Neuroatypical/Autistic Scam Victims And Manipulation In Relationship Scams – 2024

Neurodivergent/Neuroatypical/Autistic Scam Victims and Manipulation in Relationship Scams

Neurodivergent Individuals face special challenges in both Avoiding Scams and Recovering from the Trauma they produce

Protecting Neurodivergent Individuals with Strategies to Avoid Scams and Fraud and How to Recover from Them

Primary Category: Recovery Psychology

Authors:
• Vianey Gonzalez B.Sc(Psych) – Psychologist, Certified Deception Professional, Psychology Advisory Panel & Director of the Society of Citizens Against Relationship Scams Inc.
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

Neurodivergent individuals, including those with autism, are particularly vulnerable to scams due to unique cognitive and social challenges. Scammers exploit difficulties in social communication, trust, and decision-making, often targeting these individuals’ need for routine and connection.

Protecting neurodivergent adults requires tailored education about common scams, support networks to aid in decision-making, and practical safeguards like secure digital practices.

Recovery from scams should focus on specialized therapy to address trauma, rebuilding trust, enhancing executive functioning skills, and providing financial counseling.

By understanding these vulnerabilities and implementing comprehensive support, we can help neurodivergent individuals avoid scams and recover effectively if targeted.

Philosophy of Scams: Harry Frankfurt’s Hierarchical Compatibilism – A Different Perspective on Scam Victimization – 2024

Harry Frankfurt’s Hierarchical Compatibilism

– A Different Perspective on Scam Victimization – Why People Become Scam Victims

Primary Category: Philosophy of Scams

Author:
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

Understanding how victimization occurs and its impact on people is essential for several reasons. First, it allows for the development of effective prevention strategies, informing potential victims about warning signs and defensive measures. Second, it helps provide appropriate support to victims, addressing emotional wounds and aiding in the recovery process.

Furthermore, understanding victimization empowers empathy, reduces stigma, and informs policy-making and legal frameworks. Harry Frankfurt’s hierarchical compatibilism offers a nuanced perspective on free will and moral responsibility by emphasizing the alignment of actions with higher-order desires and volitions.

Applying this theory to scam victimization illustrates how victims lose their agency under manipulation, absolving them of moral responsibility for their actions in instances of fraudulent exploitation.

The Paradox Of Relationship Scams – Another Perspective – 2024

The Paradox Of Relationship Scams – Another Perspective

Another Way of Thinking About Relationship Scams from a Paradoxical Viewpoint!

Primary Category: Recovery Psychology

Author:
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

Relationship scams are full of paradoxes that highlight the complex and contradictory nature of fraud. Victims are ensnared through a blend of trust and deception, where they build deep emotional connections with scammers who appear benevolent but are driven by financial greed.

This trust, intended to provide security, is paradoxically the tool of their exploitation. Similarly, scammers create a sense of empowerment and safety in their victims, encouraging bold decisions and enabling growth, only to disempower and manipulate them, leading to financial and emotional ruin.

SCARS ScamsNOW.com Site Privacy Policy – 2024

SCARS ScamsNOW.com Site Privacy Policy

Welcome to ScamsNOW.com, published by the Society of Citizens Against Relationship Scams Inc. (SCARS). This page describes the privacy policy that applies to your use of SCARS products and services through ScamsNOW.com and its mobile applications (the “Sites”). SCARS is referred to herein as “we,” “us,” or “our.”

PLEASE NOTE: There are separate terms and policies regarding SCARS crime victim support services. These Terms of Use apply to the use of this website and related publications and content.

Effective Date Revised: May 25, 2024

This Privacy Policy Describes

the information that we receive from you when you interact with us,
our practices for processing and protecting the information that we receive, and
your choices regarding the collection and processing of your personal information.

Please review this Privacy Policy carefully. By visiting our Site and by submitting information to us, you consent to the collection and processing of your information as described in this Privacy Policy.

We reserve the right to modify or amend the terms of our Privacy Policy from time to time without notice. The amended Privacy Policy will be posted on this page. Your continued use of our Site following the posting of changes to our Privacy Policy will mean you accept those changes.

Information We Collect

When you visit our Site, we collect personal information that you provide to us as well as information we obtain from your use of our Site.

“Personal Information” is information associated with you or that Read More …

SCARS Editorial Team2024-06-01T15:32:03-04:00

SCARS ScamsNOW.com Terms of Use – 2024

SCARS ScamsNOW.com Terms of Use

Welcome to ScamsNOW.com, published by the Society of Citizens Against Relationship Scams Inc. (SCARS). This page describes the terms and conditions that apply to your use of SCARS products and services through ScamsNOW.com and its mobile applications (the “Sites”). SCARS is referred to herein as “we,” “us,” or “our.”

PLEASE NOTE: There are separate terms and policies regarding SCARS crime victim support services. These Terms of Use apply to the use of this website and related publications and content.

USE OF MATERIALS

We or our licensors own all content and materials on ScamsNOW.com, including, without limitation, all trademarks, service marks, trade names, trade dress and copyrights. SCARS grants you free-of-charge access to the content published on the Sites. You agree not to sell or modify such content or materials or reproduce, display, publicly perform, distribute, or otherwise use such content or materials in any way for any public or commercial purpose, in connection with products or services that are not those of SCARS, in any manner that is likely to cause confusion among consumers, that disparages or discredits us, that dilutes the strength of our property or that otherwise infringes our intellectual property rights.

For a list of SCARS Trademarks and more visit: SCARS trademarks, service marks, and other indicia (againstscams.org)

REGISTRATION INFORMATION AND SECURITY

If you signed up for any of SCARS’s services or features that require you to provide personal information, you agree to maintain and update, true, accurate and current information about yourself. If you have Read More …

SCARS Editorial Team2024-06-01T15:12:10-04:00

The Dangers Of Teen Sextortion Scams – 2024

The Dangers Of Teen Sextortion Scams

An Introduction to Teen Sextortion Scams and the Damage it does!

Primary Category: Scam Basics

Author:
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

Teen sextortion scams are a significant threat in today’s world, exploiting teens’ vulnerabilities by luring them into fake relationships and extorting money.

These scams cause devastating emotional and psychological impacts, such as psychological trauma, intense fear, anxiety, shame, guilt, depression, and suicidal thoughts, often leading to isolation.

Socially, they damage reputations, disrupt education, and erode trust in relationships.

Financially, victims face monetary losses and jeopardized future financial security.

Legally, these scams expose teens to criminal networks and potential involvement in illegal activities, risking their safety.

To combat this, education, open communication, strong privacy practices, and prompt reporting are crucial for protecting teens from sextortion.

The Similarity/Attraction Theory And Relationship Scams – 2024

The Similarity/Attraction Theory And Relationship Scams

Another Example of How Our Own Psychology Heavily Influences Our Susceptibility to be Deceived!

Primary Category: Psychology of Scams

Authors:
• Vianey Gonzalez B.Sc(Psych) – Psychologist, Certified Deception Professional, Psychology Advisory Panel & Director of the Society of Citizens Against Relationship Scams Inc.
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

The Similarity/Attraction Theory posits that individuals are drawn to others who share similar characteristics, such as attitudes, values, interests, and backgrounds, creating a sense of comfort and predictability. This theory is linked to cognitive biases like confirmation bias, in-group bias, homophily, stereotyping, the halo effect, and similarity bias, that reinforce our natural preference for similar others.

Scammers exploit these biases in trust-based relationship scams by fabricating similarities to establish credibility and manipulate victims. By creating a sense of familiarity and emotional connection, scammers gain the victim’s trust and deepen their dependency.

Understanding these tactics and biases is important in recognizing and preventing scams.

Being A Victim – Labeling Theory & What It Means For Victims Of Scams Or Anyone! – 2023 [UPDATED 2024]

Labeling Theory & What It Means For Victims Of Scams

When words evoke strong emotional responses they can mean many things, but most of them are not good. They can easily become triggers for unresolved and unmanaged trauma.

Authors:
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.
• Vianey Gonzalez – Psychologist, Certified Deception Professional, Psychology Advisory Panel & Director of the Society of Citizens Against Relationship Scams Inc.

Originally published in 2023 – updated 2024

About This Article

Labeling someone as a victim is simply a descriptive term, but how they react to it can reveal a lot about their emotional state. Some may accept it easily, while others might feel deeply ashamed, guilty, or even proud.

This internalization can lead to what’s called a victim mentality, where a person constantly sees themselves as helpless and blames others for their problems. This mindset can make it hard for them to recover from what happened. Overcoming this mentality involves accepting what happened, allowing themselves to feel their emotions, and seeking support from others.

It’s critical to understand that being labeled a victim doesn’t define a person; with the right help and support, they can move forward and rebuild their lives, reclaiming their sense of agency and resilience in the process.

Emmanuel Kant And The Morality Of Scams – An Essay – 2024

Emmanuel Kant And The Morality Of Scams

An Essay about Moral Duty and Scams

Philosophy of Scams

Author:
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

In the work we do of scam victim advocacy and support, Emmanuel Kant’s philosophy can play an important role in guiding our approach to understanding and addressing the moral complexities inherent in scams and their aftermath. Kantian ethics, with its emphasis on universalizability, respect for autonomy, duty-based morality, and rationality, provides valuable insights into the ethical dimensions of relationship scams and the experiences of scam victims.

Of course, scammers violate Kant’s principles by treating victims as mere means to an end, exploiting their vulnerabilities, and undermining their autonomy. As victims navigate their recovery process, Kantian ethics underscores their moral duty to prioritize self-care, seek justice, respect their autonomy, engage in rational reflection, and educate others about the dangers of scams.

SCARS Is Changing The Way Ghana West Africa Thinks About Scams Fraud & Cybercrime – April 2024

SCARS is Changing the way Ghana West Africa thinks about Scams Fraud & Cybercrime

SCARS Director Dr. Tim McGuinness was presenting to the Ghana Police Service Academy on April 15th, 2024

Authors:
• SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc.
• Portions from the Ghana Internet Safety Foundation

About This Article

The ePolice Academy 2024 International Edition, a collaborative initiative by the Ghana Police Service and the Ghana Internet Safety Foundation, recently concluded with resounding success in Sunyani, Ghana.

The event, held at Sheila’s Executive Hotel, gathered cybersecurity experts and law enforcement officers to explore the integration of artificial intelligence (AI) in cyber forensic investigations and enhance online safety. Key speakers like Dr. Edward Danso Ansong, Dr. Isaac Tweneboah-Koduah, and Dr. Tim McGuinness of SCARS provided invaluable insights into AI’s role in cybersecurity and the impact of cybercrime on victims.

Crypto Investment Scams (Pig Butchering Scams) What They Are And How To Avoid Them – 2024

Crypto Investment Scams (Pig Butchering Scams) What They Are And How To Avoid Them

An Introduction to the Explosion of Crypto-Based Investment Scams

Authors:
• SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc.
• Cezary Podkul, ProPublica

About This Article

The “Pig Butchering Scam” crypto-based investment scam is an online investment fraud scheme where individuals are tricked into investing money by criminals posing as trustworthy contacts. These scammers use various tactics, such as creating fake identities and initiating conversations on social media or messaging apps, to gain victims’ trust.

Once trust is established, victims are manipulated into depositing funds into fake brokerage accounts. The scammers then disappear with the money, leaving victims with substantial financial losses. This deceptive practice preys on unsuspecting individuals’ desire for financial gain and highlights the importance of staying vigilant and reporting suspicious activities to authorities promptly.

‘I Just Want To Forget It’ – Denial & Avoidance Are Natural But Will Not Help Scam Victims On Their Path To Recovery From Scams – 2024

‘I Just Want To Forget It’

Denial & Avoidance Are Natural But Will Not Help Scam Victims On Their Path To Recovery From Scams

Scam Victim Recovery Psychology

Author:
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

Scam victims often express a desire to forget or live in peace as a means of escaping the pain and turmoil caused by their traumatic experience. While understandable, these sentiments can lead to denial and avoidance, hindering the recovery process.

Denial and avoidance prevent victims from acknowledging the severity of the scam’s impact, addressing their emotional distress, and seeking necessary support and resources. Living in denial also leaves victims vulnerable to prolonged emotional distress, impaired coping mechanisms, re-victimization, and hindered recovery.

SCARS Editorial Team2024-04-05T01:47:39-04:00• PSYCHOLOGY, 2024, ARTICLE, Tim McGuinness PhD|

Susceptibility To Deception/Scams/Fraud With Victims Who Also Suffer From Mental Disorders – 2024

Susceptibility To Deception/Scams/Fraud With Victims Who Also Suffer From Mental Disorders

Helping Scam Victims and their Families Better Understand the Impact of Deception, Scams, or Fraud on those with Mental Disorders

Scam Victim Recovery Psychology

Authors:
• Vianey Gonzalez B.Sc(Psych) – Psychologist, Certified Deception Professional, Psychology Advisory Panel & Director of the Society of Citizens Against Relationship Scams Inc.
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.
• Based on research by the United States National Institute of Mental Health

About This Article

Individuals with diagnosed mental disorders are not only profoundly susceptible to deception but can be even more vulnerable to scams or fraud. Mental disorders can significantly impact cognitive functions and decision-making abilities, potentially increasing susceptibility to scams.

This article examines the relationship between the top ten common mental disorders and vulnerability to deception, scams, and fraud, emphasizing affected brain functions. While it serves as an introduction to the subject, individuals are advised to consult their doctor for personalized guidance.

FTC New Impersonation Scams Rule Effective Today – 2024

FTC New Impersonation Scams Rule Effective Today

Government taking action Against Scams!

Authors:
• SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc.
• Federal Trade Commission

About This Article

The FTC’s new rule targeting government and business impersonation scams takes effect today, April 1st, 2024, aiming to combat the soaring losses reported by consumers, which surpassed $1.1 billion last year alone.

The rule addresses the most common tactics employed by scammers, such as fake account security alerts and phony subscription renewals, and highlights the rise in text and email-based scams alongside declining phone calls. Notably, bank transfers and cryptocurrency payments have become the predominant methods used by victims, prompting the FTC to propose stronger measures, including prohibiting the impersonation of individuals and facilitating scams.

Scam Victims Avoid Or Escape The Aftermath Of Scams – How Denial And Distraction Avoid Confronting Reality – 2024

Scam Victims Avoid or Escape the Aftermath of Scams – How Denial and Distraction Avoid Confronting Reality

Helping Scam Victims Understand Negative Behaviors that can affect their recovery

Authors:
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

Scam victims often resort to denial, avoidance, and distractions as coping mechanisms to escape the harsh reality of their situation after discovering they have been scammed. Denial allows victims to bury their feelings and pretend as though nothing has happened, shielding themselves from further emotional distress.

They may minimize the severity of the scam or deflect responsibility onto external factors to absolve themselves of guilt and shame. Avoidance behaviors involve changing the subject, avoiding discussions about the scam, or even refusing to acknowledge its existence.

SCARS Editorial Team2024-03-31T05:06:56-04:00• PSYCHOLOGY, 2024, ARTICLE, Tim McGuinness PhD|

NACHA Changes Credit-Push ACH Payments Rules To Fight Scams & Fraud – 2024

NACHA Changes ACH Credit-Push Payments Rules To Fight Scams & Fraud

Placing More Responsibility on the Financial Services Sector to Police Scams & Fraud

Authors:
• SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc.
• NACHA

About This Article

Nacha members have endorsed rules to combat fraud, including business email compromise (BEC), leveraging credit-push payments. These rules mandate ACH payment monitoring for all network participants (excluding consumers), marking a pivotal shift.

Despite not altering liability, recipient financial institutions (RDFIs) gain a monitoring role for the first time. With BEC scams, vendor impersonation, and payroll fraud causing significant losses, the need for action is urgent.

Cambodia’s Struggle Against Scam Slavery Scams: A Year After Crackdown, Scams Persist – 2024

Cambodia’s Struggle Against Scam Slavery Scams: A Year After Crackdown, Scams Persist

Scam Slavery Call Centers in Cambodia Still Thriving!

Authors:
• SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc.
• VOA

About This Article

Despite Cambodia’s government crackdown on cyber-slavery scams over a year ago, recent reports from anti-human-trafficking groups suggest that such scams are still thriving, challenging the official narrative of significant progress in addressing human trafficking in Cambodia.

Despite the government’s efforts to curb human trafficking by raiding scam compounds and making arrests and deportations, NGOs and international observers expressed skepticism about the effectiveness of these measures. Many scams reportedly relocated temporarily during the crackdown and have since resumed operations in Cambodia, making it difficult for authorities to identify and rescue victims.

Mona Faiz Montrage ‘Hajia4Reall’ – A Ghana Influencer Pleads Guilty In U.S. Court To Romance Scams – 2024

Ghana Influencer Mona Faiz Montrage ‘Hajia4Reall’ Pleads Guilty In U.S. Court To Romance Scams

Ghana Influencer Guilty of Involvement In Ghana Romance Scams

Author:
• SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc.

About This Article

Ghanaian influencer and musician Mona Faiz Montrage, also known as Hajia4Reall, has confessed to her involvement in a string of romance scams, leading to the illicit acquisition of over $2 million, as disclosed by the United States Attorney for the Southern District of New York.

The 31-year-old, once revered as a leading Instagram influencer with a following exceeding 3 million, was linked to a West African criminal syndicate orchestrating fraudulent activities targeting individuals and enterprises in the United States.

SCARS Editorial Team2024-02-24T10:10:28-05:00• CRIMES & CRIMINALS, 2024, GHANA, NEWS, SCARS Editorial Team, USA|

North Korea Hackers are Using AI (Artificial Intelligence) for Scams – 2024

North Korea Hackers are Using AI (Artificial Intelligence) for Scams

Cybercrime is Evolving Fast!

Cybercrime News

Author:
• SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc.
• Portions from Financial Times

About This Article

North Korean hackers are now utilizing artificial intelligence (AI) to orchestrate more sophisticated cyber scams, leveraging platforms like LinkedIn and AI services such as ChatGPT to enhance their deceptive tactics.

This shift towards AI-driven cybercrime poses a significant challenge to cybersecurity efforts globally. By creating credible profiles and engaging targets over extended periods, hackers can execute more convincing phishing attempts and malware dissemination.

‘Love Language’ Does Not Apply To Relationship Scams & Scam Victims – 2024

‘Love Languages’ Does Not Apply To Relationship Scams & Scam Victims

The Psychology of Scams & Victim Recovery is Complex and Demands Real Science!

Authors:
• Vianey Gonzalez B.Sc(Psych) – Psychologist, Certified Deception Professional, Psychology Advisory Panel & Director of the Society of Citizens Against Relationship Scams Inc.
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

The concept of “love languages” has gained popularity in recent years, offering a framework for understanding romantic relationships and communication dynamics, except it does not apply to relationship scams or romance scam victims.

This framework lacks empirical validity and scientific rigor, presenting oversimplified categorizations of human emotions and behaviors. Particularly concerning are its implications for individuals who have fallen victim to romance scams. Scammers exploit emotional vulnerabilities rather than genuine expressions of affection, undermining the relevance of love languages in such contexts.

Scam Victims Editing Their Stories To Promote Recovery From Scams 2024

Scam Victims Editing Their Stories To Promote Recovery From Scams

Scam Victims Recovery

Helping Scam Victims through their Post-Scam Transformation

Authors:
• Vianey Gonzalez B.Sc(Psych) – Psychologist, Certified Deception Professional, Psychology Advisory Panel & Director of the Society of Citizens Against Relationship Scams Inc.
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.
• Based on work by Lori Gottlieb

About This Article

Victims of scams often find themselves trapped in the narratives of their past experiences, bound by feelings of betrayal and vulnerability. However, through the process of editing their stories, they can embark on a journey of recovery and transformation.

By acknowledging external factors that contributed to their victimization and reframing their narratives to include themes of resilience and growth, scam victims reclaim agency over their lives. Radical honesty serves as a cornerstone of this process, enabling victims to confront their experiences without judgment and fostering genuine connections within support networks.

Importance of Scam Victims’ Learning in Recovery from Scams 2024

Importance of Learning in Scam Victims Recovering from Scams

Scam Victim Recovery

Author:
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

Article Abstract

In this age, scams, including phishing, fraudulent investments, and relationship scams, pose a significant threat and scam victims pay the price.

The article stresses the need for awareness and education to prevent, detect, and recover from such crimes. Understanding and learning about the various scam forms, from email phishing to relationship scams, is vital for the recovery of scam victims, and to help them avoid scams in the future.

Education helps victims overcome self-blame and recover. Unraveling manipulation techniques, particularly in relationship scams, empower individuals to recognize and resist emotional exploitation. Victims of relationship scams face psychological trauma, and recovery involves building a support system and seeking professional counseling.

Rebuilding trust and addressing trauma is critical, and SCARS Support & Recovery Groups play a key role. Empowering through education, both pre and post-scam is essential to create a vigilant society. The article encourages scam victims to seek support, counseling, and education for recovery.

Overconfidence And Scam Victims’ Susceptibility To Scams – 2024

Overconfidence And Scam Victims’ Susceptibility To Scams

Psychology of Scams

Authors:
• Vianey Gonzalez B.Sc(Psych) – Psychologist, Certified Deception Professional, Psychology Advisory Panel & Director of the Society of Citizens Against Relationship Scams Inc.
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

Article Abstract

Overconfidence poses a hidden threat, enticing individuals into the dangerous realms of scams in financial and interpersonal spheres.

Manifesting in decision-making and risk assessment, overconfidence leads people to overestimate their abilities, influenced by cognitive biases and reliance on mental shortcuts.

The brain’s reward system reinforces this bias through positive feedback, hindering objective self-evaluation. This overconfidence, pervasive in romance and cryptocurrency scams, blinds individuals to red flags and manipulations.

Understanding the neuroscience behind overconfidence involves recognizing cognitive biases, anchoring bias, illusion of control, and prefrontal cortex involvement. Mitigating overconfidence requires diverse perspectives, expert advice, critical thinking, and mindfulness, empowering individuals to make rational and informed decisions.

UNODC Report on Casinos and Cryptocurrency Scams and Money Laundering 2024

UNODC Reports on Casinos and Cryptocurrency Scams and Money Laundering

Understanding Organized Crime

Authors:
• SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc.
• UNODC – United Nations Office of Drugs and Crime

Article Abstract

A newly released United Nations UNODC report highlights the significant role played by casinos, junkets, and cryptocurrencies in facilitating underground banking, money laundering, and transnational organized crime in East and Southeast Asia.

Scam Reimbursement Part 2 – Takeaways from UK Regulatory Actions to Combat APP Scams – 2024

Takeaways from UK Regulatory Actions to Combat APP Scams

Regulatory Actions that Reduce Scam Victim Losses

Author:
• Ken Palla, Retired Director, MUFG Union Bank – Courtesy of BioCatch

Article Abstract

“Global Insights: Learning from UK Regulatory Measures to Combat APP Scams”

Non-UK financial institutions can glean valuable insights from the UK’s regulatory approach to combatting authorized push payment (APP) scams. Beyond the focus on reimbursement, key lessons include the importance of developing standardized scam reporting metrics, implementing controls to prevent scams, and active participation in industry associations for intelligence sharing.

Trust: Romance Scams Betrayal And Scam Victims – 2024

Betrayal And The Destruction Of Trust In Scam Victims

Scam Victim Psychology & Recovery

Authors:
• Vianey Gonzalez B.Sc(Psych) – Psychologist, Certified Deception Professional, Psychology Advisory Panel & Director of the Society of Citizens Against Relationship Scams Inc.
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

Article Abstract

Romance scams inflict profound emotional and psychological harm, far exceeding mere financial loss. This paper delves into the neurochemical basis of trust formation and the devastating repercussions when that trust is violently betrayed. We explore the brain regions, hormones, and neurotransmitters involved in building intimacy, and the cascade of negative effects triggered by its shattering.

Fraud & Scams Are So Big We Need To Teach It In Schools – 2024

Fraud & Scams Are So Big We Need To Teach It In Schools

An Editorial About The Need To Share Anti-Fraud Information With Children!

Authors:
• Yaniv Hanoch, Professor in Decision Science, University of Southampton
• Stacey Wood, Professor of Psychology, Scripps College

Article Abstract

The growing prevalence of fraud demands a critical shift in education, urging the inclusion of anti-fraud teachings in school curricula. With fraud cases rising by 25% in the UK alone, encompassing over 40% of individual crimes, the traditional view of fraud as an issue solely affecting the gullible or vulnerable is outdated.

Magic & Relationship Scams – Both Involve Similar Manipulation & Control – 2023

Magic & Relationship Scams – Both Involve Similar Manipulation & Control

Lessons Learned From Magic In How Scammers Manipulate Scam Victims Into and During Relationship Scams

Author:
• Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

Just Like Scammers, Magic Relies On Significant Manipulation & Control

In fact, what we call magic today began in ancient history as methods to scam people from their wealth

Magic tricks and relationship scams may seem worlds apart, but both rely on intricate psychological manipulation techniques to achieve their ends.

While magic aims to entertain and amaze through illusion, relationship scams prey on emotions and trust, resulting in deceit and exploitation.

Let’s explore the parallels and differences in the manipulation techniques employed in both scenarios.

Love Scams: Foreigners Lie to Bulgarian Women on the Internet – 2023

Love Scams: Foreigners Lie to Bulgarian Women on the Internet

Authors:
• Julian Stoyanov, Nova Broadcasting Group Ltd.
• Lydia Zagarova – Psychologist, Psychology Advisory Panel & Director of the Society of Citizens Against Relationship Scams Inc.

Love Scams Target Bulgarian Women To Steal Their Money, Break Their Hearts, and Destroy Their Trust – Leaving Them Traumatized

Translated from Bulgarian

The Love Scam Victim’s Story of Lydia Zagarova from Bulgaria.

Japan – Japanese Scammers – LINE App Investment Scams – 2023

Japan/Japanese Scammers – LINE App Investment Scams

Authors:
• Rika Takebe, NPO Charms – Japanese Victim’s Assistance & Support Provider, SCARS Partner, Certified NLP coach, Business Coach & Consultant / MBA (Bond BBT) / Organizational Science Researcher
• SCARS Editorial Team

The Sad Story of Scams in Japan & Japanese Scammers – LINE Investment Scams

SCARS Introduction to LINE App Scams

LINE, the ubiquitous messaging app in Japan, is more than just a platform for cat videos and sushi-gram updates. While it connects lives, it also harbors a dark underbelly: a fertile ground for scams targeting unsuspecting users. Understanding these deceptive tactics is crucial, for not only does it protect individuals but also sheds light on a complex digital ecosystem often shrouded in cultural nuances.

Pig Butchering Scams In Southeast Asia – 2023

Pig-Butchering Scams In Southeast Asia

Author:
• Reuters – By POPPY MCPHERSON and TOM WILSON
• SCARS Editorial Team

Pig Butchering Scams – How Deeply Wired Into Law Enforcement Chinese Criminals Are In Southeast Asia

How ‘pig-butchering’ scams have emerged as a billion-dollar crypto industry

At a Thai police headquarters in October 2022, Chinese businessman Wang Yicheng congratulated one of Bangkok’s most senior cybercrime investigators on his recent promotion, presenting the official with a large bouquet of flowers wrapped in red paper and a bow.

Mr. Wang, the vice-president of a local Chinese trade group, wished the new cybercrime investigator “smooth work and new achievements”, according to the group’s website, which displays photographs of the event.

SCARS Editorial Team2023-12-09T05:57:27-05:00• CRIMES & CRIMINALS, 2023, NEWS, Reuters, THAILAND|

Mexican Timeshare Fraud – Mexican CJNG Drug Cartel Government Impersonation Scams 2023

Mexican Timeshare Fraud – Mexican CJNG Drug Cartel Government Impersonation Scams

Authors:
• SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc.
• Portions ABC News and U.S. Treasury Department

A Mexican Drug Cartel Is Using U.S. Government Impersonation In Mexican Timeshare Fraud Posing As U.S. Officials

U.S. authorities say the Jalisco Mexican Drug Cartel was so bold in operating frauds targeting elderly Americans that the gang’s operators posed as U.S. Treasury Department officials.

A Mexican drug cartel is operating Timeshare Frauds that target elderly Americans who have bought timeshares in Mexico. The gang’s operators posed as U.S. Treasury Department officials, U.S. authorities said Thursday.

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Authors: • Yaniv Hanoch, Associate Professor in Risk Management, University of Southampton; and • Stacey Wood, Professor of Psychology, Scripps College

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Hypergamy Delusion and Romance Scams

A Fundamental Vulnerability Shaping Relationship Choices and Leading to Relationship Scams

Primary Category: Psychology of Scams

About This Article

Boredom: A Potential Principal Cause In Online Scams & Scam Victims Vulnerability

Understanding a Principal Vulnerability to Online Relationship Scams

Primary Category: Psychology of Scams

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Primary Category: Editorial/Commentary

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About This Article

Amazon & Global Cyber Alliance Launches CyberFlex to Help Young Adults Avoid Scams and Cybercrime

Creating Better Tools to Help Teens & Young Adults to Stay Safe Online

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About This Article

Neurodivergent/Neuroatypical/Autistic Scam Victims and Manipulation in Relationship Scams

Neurodivergent Individuals face special challenges in both Avoiding Scams and Recovering from the Trauma they produce

Protecting Neurodivergent Individuals with Strategies to Avoid Scams and Fraud and How to Recover from Them

Primary Category: Recovery Psychology

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Harry Frankfurt’s Hierarchical Compatibilism

– A Different Perspective on Scam Victimization – Why People Become Scam Victims

Primary Category: Philosophy of Scams

Author: • Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

The Paradox Of Relationship Scams – Another Perspective

Another Way of Thinking About Relationship Scams from a Paradoxical Viewpoint!

Primary Category: Recovery Psychology

Author: • Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

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The Dangers Of Teen Sextortion Scams

An Introduction to Teen Sextortion Scams and the Damage it does!

Primary Category: Scam Basics

Author: • Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

The Similarity/Attraction Theory And Relationship Scams

Another Example of How Our Own Psychology Heavily Influences Our Susceptibility to be Deceived!

Primary Category: Psychology of Scams

About This Article

Labeling Theory & What It Means For Victims Of Scams

When words evoke strong emotional responses they can mean many things, but most of them are not good. They can easily become triggers for unresolved and unmanaged trauma.

Originally published in 2023 – updated 2024

About This Article

Emmanuel Kant And The Morality Of Scams

An Essay about Moral Duty and Scams

Philosophy of Scams

Author: • Tim McGuinness, Ph.D. – Anthropologist, Scientist, Director of the Society of Citizens Against Relationship Scams Inc.

About This Article

SCARS is Changing the way Ghana West Africa thinks about Scams Fraud & Cybercrime

SCARS Director Dr. Tim McGuinness was presenting to the Ghana Police Service Academy on April 15th, 2024

Authors: • SCARS Editorial Team – Society of Citizens Against Relationship Scams Inc. • Portions from the Ghana Internet Safety Foundation

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• Yaniv Hanoch, Associate Professor in Risk Management, University of Southampton; and
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• Federal Trade Commission

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