It can be a phone call from your credit card security department that informs you that your credit card had been stolen, It can be your credit being frozen, It can be a tax invoice informing you that you need to pay taxes due to selling your home, It can even be unauthorized money withdrawal from your banking account…
All of these scenarios and others are the first hint that you have entered a growing club – the cyber crime victims’ clubs.
Once you realize that you are a victim, you need to know what to do and how the law for Cyber-Crime protects you from this point on.
There are several laws in place aimed at protecting people from cyber crime. Some of them were not designed specifically for cyber crime, as this is a new crime “arena”, but they evolve as the need arises and technology changes.
For credit card theft the law is quite complete: it forces the credit card company to completely reimburse you to the full amount of the theft. Once this has happened you should take further precautions to make sure it does not become a habit, or the credit card company might become reluctant to comply with the law. All you have to do is contact your credit card security department and report the entire situation in detail. They will ask a few questions to determine if you have been a victim of credit card theft. Once determined, it is a relatively quick process to credit the amount in question back to your card; you will see the credit on your next statement. The credit card company will then work to find the person or persons responsible for the act. If that person is found, the credit card company will proceed to go after said person for criminal prosecution.
For thefts from your banking account by someone using your username and password to steal money, the law is not as restrictive as in the case of the credit card. Most thefts that involve bank accounts now, involve the debit card instead of check forgery and the like; however if there is an unauthorized amount on your bank account, you simply need to call into your bank and report it and then follow their procedures as each bank can have different protocol. In most cases, you will need to go into the bank and sign a few forms that describe the incident and the amount in question. The amount is usually credited back to your account within 24-72 hours, if it is even allowed to go through in the first place. In some cases, the debit card company will call you to make you aware of the possible situation and if they do, the situation is correct on the spot.
In case someone forges your property’s registration – making it seem like you sold your home or land you have to consult an attorney. Forged property deeds are on the rise especially with the large number of foreclosures, short sales and vacant properties. Unfortunately for homeowners, there is no easy way for protection from the recording of false property deeds. Anyone can go to the court house and record any document containing a particular property or deed unfortunately; however there are some things to watch out in cases of deed fraud such as newly recorded documents, new loan documents, mortgage bills or Notices of Default or Sale associatd with previous unknown loan transactions. If deed fraud occurs, homeowners should report this to the local authorities as well as the county recorder’s office and the real estate licensing authorities and the notary public licensing authorities for your individual area. This procedure might take some time and cause lots of frustration and anxiety….
There are other types of crimes that do not seem serious at first but they are. Hacking your Facebook account and posting provocative messages there can result in
spamming your friends’ walls with commercial messages and / or offending your friends with provocative messages. Sadly, there have already been cases in which teenagers have committed suicide after being harassed and bullied on social networks.
In this case the first thing is to change the passwords for all your social network accounts and getting in touch with Facebook’s security department.
Repeating incidents of your online account being hacked might indicate that your computer has been hacked by a keylogger that transmits whatever you type on the computer outside to someone else. You should treat your computer as “contaminated” and cease to use it until you re-install the operating system.
In any of these events you should file a complaint with your local police department and keep the records of it; include any information that you can such as credit card numbers, title numbers and online banking information. It is important to act quickly as the faster you report the possibility of a cyber crime, the less damage you will suffer from it.
If you feel that you are a victim of a Cyber Crime, call local law enforcement. That is where it all starts. Some agencies have detectives or departments that are specially trained in Cyber Crime. You can also file a complaint with the Internet Crime Complaint Center (IC3). The IC3 will review and evaluate the complaint thoroughly. It will also be referred to the proper federal, state, local or international law enforcement agency that has proper jurisdiction. StaySafeOnline is a non-profit organization that will help you to determine evidence needed when first reporting a Cyber Crime and also tips for specific types of Cyber Crime. StaySafeOnline is powered by the National Cyber Security Alliance.
|In any case, you should remember that the “cost of prevention is much lower than the cost of fixing”. You can save yourself hours of anxiety, financial loses and credit score problems just by taking some simple security measures. Magen – our security software costs only 30$ per year and can save you money, anxiety and frustration worth many times that amount.||You can also get support and advice in our closed and private Facebook Cyber Crime support group where you can share you story and gain some valuable insights from other people just like you. Being a victim of cyber crime is frustrating and upsetting; however it is important to remember to report everything to the local authorities as soon as possible. Also, do not despair! This tough period will pass eventually.|