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About Cottage Grove sentinel. (Cottage Grove, Or.) 1909-current | View Entire Issue (Sept. 12, 2018)
8A • COTTAGE GROVE SENTINEL • SEPTEMBER 12, 2018 New study identifies how fake check scams bait consumers An in-depth study by Bet- ter Business Bureau finds that, while consumers may write fewer checks in this era of elec- tronic financial transactions, fake check scams are on the rise. Fake checks are used in a variety of frauds, from em- ployment scams to prize and sweepstakes fraud. In all cases, victims deposit the check and send money back to scammers. BBB warns consumers to be on guard against these serious and pervasive frauds and their per- petrators. The investigative study —- “Don’t Cash That Check: Better Business Bureau Study Shows How Fake Check Scams Bait Consumers” — looks at how fake checks dupe consumers. It digs into the scope of the prob- lem, who is behind it, and the need for law enforcement and consumer education to address the issue. Scammers often succeed be- cause consumers don’t realize: 1. Crediting a bank account does not mean the cashed check is valid. Federal banking rules re- quire that when someone de- posits a check into an account, the bank must make the funds available right away — within a day or two. Even when a check is cred- ited to an account, it does not mean the check is good. A week or so later, if the check bounces, the bank will want the money back. Consumers, not the fraud- sters, will be on the hook for the funds. 2. Cashier’s checks and postal money orders can be forged. A cashier’s check is a check guaranteed by a bank, drawn on the bank's own funds and signed by a cashier. If a person deposits a cashier’s check, the person’s bank must credit the account by the next day. The same holds true for post- al money orders. Scammers use cashier’s checks and postal money orders because many people don’t realize they can be forged. Fake check fraud is a huge problem, with complaints to regulatory agencies and con- sumer watchdog groups dou- bling over the last three years. Frauds employing fake checks is rapidly growing and costing billions of dollars. Fake checks were involved in 7 per- cent of all complaints filed with BBB’s Scam Tracker. The number of complaints received by the Federal Trade Commission’s Consumer Sen- tinel database and the Internet Fraud Complaint Center more than doubled between 2014 and 2017. Based on complaint data trends, the study suggests that there may be over 500,000 vic- tims of counterfeit checks in 2017. The study found the fraud affects victims of all ages and income levels, but consumers between 20-29 reported being victimized by the scam more than consumers of any other age range. The National Consumers League, which also receives complaints from fraud vic- tims at fraud.org, found that fake checks complaints in 2017 were up 12 percent and was the second most common type of complaint over all, after online order issues. Nigerian gangs appear to be behind most of this fraud, often using romance fraud victims and other “money mules” to re- ceive money from victims. Many fake checks and money orders are shipped to the U.S. from Nigeria. The report recommends: • Organizations such as BBB and regulatory agencies should do more to provide fake check fraud prevention education. • With wide-scale use of money mules and others to as- sist in frauds, it would be useful for law enforcement agencies to work collaboratively to both identify these individuals and to take action to ensure that they end these activities. • Investigative agencies may need more resources to effec- tively prosecute fake checks and other widespread frauds. • Continued law enforcement coordination and training with enforcement counterparts in Nigeria and elsewhere should remain important and should be strengthened. • Banks and financial institu- tions might consider more col- lective efforts to educate their customers about fake check frauds. What to do if you have de- posited a fake check into your account: 1) Notify your bank or the bank that appears to have is- sued the check. File a complaint: Better Business Bureau Federal Trade Commission (FTC): call 877-FTC-Help U.S. Postal Inspection Ser- vice Western Union: Call 1-800-448-1492 or visit www. westernunion.com/us/en/file -complaint.html. MoneyGram: call 1-800-926- 9400. OUT WITH CABLE. IN WITH SAVINGS. Get a $ 100 AT&T Visa® Reward Card † when you sign up for DIRECTV SELECT ™ Package or above. W/ 24-mo. agreement. Redemption required. EARLY TERMINATION FEE OF $20/MO. FOR EACH MONTH REMAINING ON AGMT., $35 ACTIVATION, EQUIP. NON-RETURN & ADD’L FEES APPLY. New approved residential customers only (equipment lease req’d). Credit card req’d (except MA & PA). Ask me how to Bundle and save. CALL TODAY! IV SUPPORT HOLDINGS LLC 855-502-2578 †$100 Reward Card for purchase of qualifying DIRECTV SELECT and above; Offer not available in select locations. For new residential customers in the U.S. (excludes Puerto Rico and U.S.V.I.). Residents of select multi-dwelling units are not eligible for this offer. 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Shows will take place Friday and everyone knew Last weekend’s their lines and Saturday, Sept. 14 and 15, at 7 opening night was their parts, it was sold out. great,” Dowell said. p.m., and Sunday, Sept. 16, at 2 “The cool thing “It’s great to see p.m. Tickets are $10 and can be them get to be on about this project is that I have a couple stage and they’ve purchased at the Opal Center. of actors who are done interviews non-verbal,” Dow- and to see them ell said. “Or they will crack up laughing ev- have the experience of other can’t really talk or they can ery time he sees one. So, I actors, it’s wonderful.” talk but you can’t really un- take the card and we go over Creative Chaos played to derstand what they’re trying to a statue I got and pull a packed house last year and to sat so it was a little chal- off a towel and he laughs so far, is on track to do the lenging.” That’s where the early summer workshops came in. 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East 541-942-7711 Pastor: Bob Friend Two Services: 9am - Classic in the Chapel 10:30am - Contemporary in the Auditorium First Baptist Church 301 S. 6th st • 541-942-8242 Interim Pastor: Reed Webster Sunday School 9:30am Worship Service 11:00am Youth Wednesday 6:30pm cgfi rstbaptist.com Calvary Baptist Church 77873 S 6th St • 541-942-4290 Pastor: Riley Hendricks Sunday School: 9:45am Worship: 11:00am The Journey: Sunday 5:00pm Praying Thru Life: Wednesday 6:00pm First Presbyterian Church 3rd and Adams St 541-942-4479 Rev.: Karen Hill Worship: 10:00am Sunday School: 10:00am fpcgrove.com Calvary Chapel Cottage Grove 1447 Hwy 99 (Village Plaza) 541-942-6842 Pastor: Jeff Smith Two Services on Sun: 9am & 10:45am Youth Group Bible Study Child Care 10:45am Service Only www.cgcalvary.org Hope In The Grove 700 E. Gibbs • 401-855-5668 Pastor: Wayne Husk Sunday services: Worship: 9am Coffee Fellowship: 10:15am Bible Study: 10:30am Hope Fellowship United Pentecostal Church 100 S. Gateway Blvd. 541-942-2061 Pastor: Dave Bragg Worship: 11:00am Sunday Bible Study: 7:00pm Wednesday www.hopefellowshipupc.com “FINDING HOPE IN YOUR LIFE” Our Lady of Perpetual Help and St. Philip Benizi Catholic Churches 1025 N. 19th St. 541-942-3420 Father: Joseph Hung Nguyen Holy Mass: Tue-Thu: 8:30am; Sat:5:30pm Sun: 10:30am Confession: After daily mass, Sat. 4-5pm or by appointment St. Philip Benizi, Creswell 552 Holbrock Lane 541-895-8686, Sunday: 8:30am St. Andrews Episcopal Church 1301 W. Main • 541-767-9050 Rev. Lawrence Crumb “Church with the fl ags.” Worship: Sunday 10:30am All Welcome Seventh-day Adventist Church 820 South 10th Street 541-942-5213 Pastor: Kevin Miller Bible Study: Saturday, 9:15 am Worship Service: Saturday, 10:40 Mid-week Service: Wednesday, 1:00 Trinity Lutheran Church 6th & Quincy • 541-942-2373 Pastor: James L. Markus Sunday School & Adult Education 9:15am Sunday Worship 10:30 am Comm. Kitchen Free Meal Tue & Thur 5:00pm TLC Groups tlccg.com United Methodist Church 334 Washington • 541-942-3033 Pastor:Lura Kidner-Miesen Worship: 10:30am Comm. Dinner (Adults $5, Kids Free) 1st & 3rd Monday 5-6:00pm umcgrove.org Non-Denominational Church of Christ 1041 Pennoyer Ave 541-942-8928 Preacher: Tony Martin “VICTORY” Country Church Sunday Bible Study:10:00am Sunday Worship:10:50am & 5:30pm 913 S. 6th Street • 541-942-5913 Pastor: Barbara Dockery www.pennoyeravecoc.com Worship Service: 10:00am Message: “WE BELIEVE IN Old Time Gospel Fellowship MIRACLES” 103 S. 5th St. • 541-942-4999 Pastor: Jim Edwards CRESWELL: Sunday Service: 10:00am Join in Traditional Christian Worship Creswell Presbyterian Church 75 S 4th S • 541-895-3419 Rev. Seth Wheeler Adult Sunday School 9:15am Sunday Worship Service 10:30 am website www.creswellpres.org Worship With Us! Our Worship Directory is a weekly feature in the newspaper. If your congregation would like to be a part of this directory, please contact the Cottage Grove Dental Dr. Brent Bitner, DDS 350 Washington, Cottage Grove (behind Better Bodies) 1-866-373-9175 Offer ends 11/14/18. Savings with 2 year price guarantee with AT120 starting at $59.99 compared to everyday price. All offers require credit qualification, 2 year commitment with early termination fee and eAutoPay. Prices include Hopper Duo for qualifying customers. Hopper, Hopper w/ Sling or Hopper 3 $5/mo. more. Upfront fees may apply based on credit qualification. Fees apply for additional TVs: Hopper $15/mo., Joey $5/mo., Super Joey $10/mo. All new customers are subject to a one-time, nonrefundable processing fee. COTTAGE GROVE: 6th & Gibbs Church of Christ 195 N. 6th St. • 541-942-3822 Pastor: Aaron Earlywine Summer Service: 9:30 am Christian Education: Pre-K through 5th www.6thandgibbs.com Cottage Grove Faith Center 33761 Row River Rd. 541-942-4851 Lead Pastor: Kevin Pruett www.cg4.tv Full Childrenʼs Ministry available Service: 10:00am and return visit. Everything is done in one visit, in about an hour - /mo. Subject to availability. Restrictions apply. Internet not provided by DISH and will be billed separately. 190 Channels DRAIN: HOPE U.M.C. 131 W “A” St. Drain, OR 541-315-1617 Pastor: Lura Kidner-Miesen Fellowship & Song: 11:30am Potluck Lunch: 12:00pm Worship: 12:30pm Cottage Grove Bible Church 1200 East Quincy Avenue 541-942-4771 Pastor:Bob Singer Worship 11am Sunday School:9:45am AWANA age 3-8th Grade, Wednesdays Sept-May, 6:30pm www.cgbible.org fillings or veneers. With CEREC, there's usually no need for a temporary • Watch and record 16 shows at once • Get built-in Netflix and YouTube • Watch TV on your mobile devices Worship Directory Church of Christ 420 Monroe St • 541-942-8565 Sunday Service: 10:30am technology that allows for a faster experience when you need crowns, Upgrade to the Hopper® 3 Smart HD DVR Hopper upgrade fee $5/mo. Center for Spiritual Living 700 Gibbs Ave. (Community Center) Rev. Bobby Lee Meets Sunday 3:00 p.m. cslcottagegrove@gmail.com We know your time is valuable. That's why we've invested in CEREC Technology... Value... TV!... 942-7934 CEREC® is a registered trademark of Sirona Dental Systems. Cottage Grove Sentinel @ 541-942-3325