Speaker 1: By Billy Cunning in the Great America.
Speaker 2: Thanks thanks forgot to get into the Springborough Panthers in
Speaker 2: the northern part of Warren County undefeated, untied, unscored on
Speaker 2: won the state soccer title and about thirty minutes Saint
Speaker 2: Ursula we'll be here to talk about their state championship.
Speaker 2: Next week is Roger Bacon, the home of the Spartans.
Speaker 2: But until then, Keith Faber is the state auditor. He's
Speaker 2: more or less announced he's going to run for Attorney
Speaker 2: General in a couple of years, maybe a year from November.
Speaker 2: And away we go in Keith Faber. Welcome again. You're
Speaker 2: in the studio, which is quite unusual.
Speaker 1: Love to be here till he's good to be in person.
Speaker 2: Let's talk about fraud, because everyone I know on their
Speaker 2: cell phone gets these magnitude of calls, especially now they
Speaker 2: assume you're sixty five years old looking for Medicare and
Speaker 2: medicaid whatever it might be. And I hit all the
Speaker 2: delete and I say blocked the call, and that never works.
Speaker 2: And you got to call recently as a normal man
Speaker 2: about medicare. Explain and you're the state auditor, right, and
Speaker 2: they call you tell.
Speaker 1: Me what happened.
Speaker 3: Look, I get the same calls everybody else gets in
Speaker 3: my cell phone. I was getting two or three or
Speaker 3: four a day. And you know, they call and say, hey,
Speaker 3: this is Medicare open enrollment. Here's this information. They're not
Speaker 3: going to put you in a Medicare plan. They're trying
Speaker 3: to steal your information. If somebody calls you for that stuff,
Speaker 3: the best thing you can do is hang up. I
Speaker 3: like to screw with them a little bit, because if
Speaker 3: they're going to waste my time, I don't want to
Speaker 3: waste some of their time.
Speaker 1: And so, you know, I go down the road.
Speaker 3: Eventually they figure out that this person's not serious and
Speaker 3: they hang up on me. But I got to call
Speaker 3: literally last night driving back from Cleveland, and it was
Speaker 3: somebody purporting to be Bank of America claiming that somebody
Speaker 3: had opened or applied for a credit card in my name.
Speaker 3: And they are really good at social engineering. And this
Speaker 3: is the secret that most people don't know. If you're
Speaker 3: over thirty, all of your information is on the dark web.
Speaker 3: So they have your name, they have your social Security number,
Speaker 3: they have your address, they have all of your information.
Speaker 3: And so this person gave me the last four of
Speaker 3: my Social Security number and said we just want to
Speaker 3: know did you apply And I said no, well here's
Speaker 3: your confirmation number to say you didn't apply, and kept
Speaker 3: going on with a bunch of other stuff, trying to
Speaker 3: get you to talk to them, and then they're going
Speaker 3: to transfer you to another person, and that person's going
Speaker 3: to try and ask you for your information, and then
Speaker 3: they're going to try and get your SOLI Security number
Speaker 3: or your address from you. What they're really trying to
Speaker 3: do is get you on tape saying yes to what
Speaker 3: they want to get you to do, because then they'll
Speaker 3: use that tape to lock you into things on the
Speaker 3: credit cards that the credit card companies will use, and
Speaker 3: to try and do other things. The short answer is,
Speaker 3: if you get one of those calls, if it's not
Speaker 3: from an eight hundred number, that's them, hang up on them,
Speaker 3: don't take the call.
Speaker 2: If I get a call that says is this Bill Cunningham,
Speaker 2: I would generally say, yes, that's a problem.
Speaker 1: It can be.
Speaker 3: It can because they'll know who you are, Bill, and
Speaker 3: they'll even know your last four They may not know
Speaker 3: your whole SOLI Security number, but they're going to probably
Speaker 3: know your last four, particularly if they have hacked or
Speaker 3: gotten access to one of these things to where they've
Speaker 3: gotten new data and other information that look, every day,
Speaker 3: there's a new hack, there's a new data dump someplace.
Speaker 3: And the reason I say over third is because what
Speaker 3: they're doing is going back in and hacking into a
Speaker 3: lot of the backup databases for a lot of these
Speaker 3: big credit card companies and healthcare companies and have all
Speaker 3: the things. The old backup data wasn't as secure as
Speaker 3: the new cloud data is, so the younger people's information
Speaker 3: weren't in all those old databases like yours and mine
Speaker 3: and other people who have been out there for a while.
Speaker 3: But it's really bad, particularly for senior citizens, and we
Speaker 3: are taking steps with the Ohio Cyber Command to try
Speaker 3: and encourage people to just be your own best advocate,
Speaker 3: be vigilant. My brother was a computer professional for the
Speaker 3: Department of Defense and his father in law had passed
Speaker 3: away during COVID, and so he's been taking care of
Speaker 3: his mother in law's finances and he was literally sitting
Speaker 3: out on the lake in the pontoon boat and his
Speaker 3: mother in law calls him and says, hey, where's the
Speaker 3: information on my brokerage account? Account number, and my brother says, okay,
Speaker 3: why do you need that? And she says, well, I'm
Speaker 3: trying to put this information. This guy called me and
Speaker 3: said he could get me a better return, and I'm
Speaker 3: trying to put all this stuff together. He said, don't
Speaker 3: touch anything. I'll be there in a half hour. I
Speaker 3: have to get off the lake. I'll be there at
Speaker 3: a half hour and we'll see what's it. But da,
Speaker 3: I don't want you touch anything. Put your phone down,
Speaker 3: go sit on the couch. He got there, and she
Speaker 3: was literally one click away from sending all of her
Speaker 3: finance information, her passwords, and everything to a guy who
Speaker 3: pretended to be somebody who could have helped her get
Speaker 3: a better return. If somebody's calling you, somebody's communicating you
Speaker 3: to send you an email for that stuff.
Speaker 1: Just delete it.
Speaker 3: Unless it's somebody you know and have the ability to
Speaker 3: personally touch them, or you called them at a reputable business.
Speaker 1: Be very very careful. Bea favor.
Speaker 2: I get almost every day now PayPal, and I have
Speaker 2: no relationship to PayPal. I've never bought anything from PayPal.
Speaker 2: I will never buy anything Venmo. I have none of
Speaker 2: that stuff. And I'm told right now that someone is
Speaker 2: using my name and they want to confirm that I
Speaker 2: have bought an eight hundred dollars computer, a MacPro computer
Speaker 2: through PayPal.
Speaker 1: You did not. They did not. It's fake. They want
Speaker 1: you to click on it.
Speaker 3: Once you click on it, you're giving them access to
Speaker 3: your information, and you're giving the access to your device
Speaker 3: or your computer. I got one literally yesterday claiming to
Speaker 3: be docu signed. Wanted me to click on to sign
Speaker 3: a docusigning document. I got one the other day from somebody.
Speaker 3: It's not PayPal, it's it's one of the others that
Speaker 3: they want you to click on to open up, you know,
Speaker 3: to to challenge an account. Oftentimes I'll get something from
Speaker 3: Low's pretending to say you just want to a tragger grill, congratulations, congratulations,
Speaker 3: click here. All of that are scams. Low's not giving
Speaker 3: out tragger grills. They're not sending you on solicited emails.
Speaker 3: They're not sending you information like that. The short answer is,
Speaker 3: if it's too good to be true, it is if
Speaker 3: you didn't do the transaction. If you I got one
Speaker 3: the other day from United Airlines saying that my ticket
Speaker 3: confirmation and here's my confirmations.
Speaker 1: I didn't book the United Airlines ticket. You don't call
Speaker 1: and say, hey, Wayne, that's not me. I did do that.
Speaker 1: I did not.
Speaker 3: And you know what, watching read your credit card statements,
Speaker 3: watching to read your other statements, because I mean, you
Speaker 3: can certainly do what I did with the Bank of
Speaker 3: America yesterday.
Speaker 1: Okay.
Speaker 3: Once I got through and hung up on the lady,
Speaker 3: and after she tried to call me back from three
Speaker 3: different exchange numbers, I called Bank America to say, as
Speaker 3: somebody filed an application in my name and their Bank America, folks,
Speaker 3: I used the number on the back of my credit card.
Speaker 3: I didn't use the number that they gave me. I
Speaker 3: used the number on the back of the credit card. Ultimately,
Speaker 3: what they did was said, no, this was a scam
Speaker 3: and you were wise to not play Heith favor.
Speaker 2: For example, let's say you're eighteen years old and you
Speaker 2: apply to go to college. Could be xavior U c NKU,
Speaker 2: could be Toledo, and all your information is on your
Speaker 2: application online. You fill it a home addressed data, birth socis,
Speaker 2: curity number, driver's license number, all that stuff, and then
Speaker 2: the University of Toledo was hacked. Yep, and so every
Speaker 2: young person who went to Toledo, uc Ohio state their
Speaker 2: informations on the dark web. Yep, and that's what happens.
Speaker 2: I have a close family member who had his home
Speaker 2: equity line was tied to his checking account. Someone in
Speaker 2: Illinois went in and had the name and the photo
Speaker 2: of this person and all their private information. Goes into
Speaker 2: a bank in Illinois and what draws eighteen thousand dollars
Speaker 2: from the home equity line of credit into the checking account.
Speaker 2: That quickly left the checking account right out the door.
Speaker 1: Yep.
Speaker 2: And fortunately it was a fraud. The bank's liable. Am
Speaker 2: I correct on that generally that's true, but it takes
Speaker 2: a while.
Speaker 1: Ye. Well, and then you got to change everything. It
Speaker 1: depends on the bank. That's right. Identity theft is a
Speaker 1: big deal.
Speaker 3: And you know, I come from the school that we
Speaker 3: need to have, you know, public examples of folks that
Speaker 3: are doing that, and that's one of the reasons we
Speaker 3: need a new federal government to go after some of
Speaker 3: these foreign actors that are participating in part of this.
Speaker 3: But look, it's not just it's just not individuals. We
Speaker 3: have issued in the Auditor's office now a second bulletin
Speaker 3: instructing local governments to be very weary of something called
Speaker 3: vendor redirects. A week doesn't go by that I don't
Speaker 3: find about one h hundred and fifty thousand and one
Speaker 3: case six million dollar vendor redirects where the community thinks
Speaker 3: that they're paying ABC Paving for paving their roads, and
Speaker 3: in fact somebody has got them to send their check
Speaker 3: for ABC pavement or the direct deposit or the ACCH
Speaker 3: to some hacker or somebody else. It literally has happened
Speaker 3: to a school district just not far from here that
Speaker 3: was in the hundreds of thousands of dollars, and this
Speaker 3: is happening every week. And so we directed a bulletin
Speaker 3: to the fiscal officer folks to saying, look, do not ever, never, ever, ever,
Speaker 3: never ever accept a redirection instruction electronically, not over the phone,
Speaker 3: not electronically, not by email, not by snail mail. Require
Speaker 3: people to come in in person if you've got a
Speaker 3: vendor that wants you to change how you're going to
Speaker 3: pay them, and then for a secondary safety method, have
Speaker 3: them bring in the person that they're dealing with in
Speaker 3: your governmentity. So if they're working with your street superintendents
Speaker 3: and doing pavement and Joe's Paving is the one who
Speaker 3: wants you to send their check to a different bank account.
Speaker 3: Have Joe come in and tell you that in person
Speaker 3: with driver's license. That could happen to a homeowner. Correct, absolutely,
Speaker 3: it absolutely will happen some. But we'll call you up
Speaker 3: and say, hey, Bill Cunningham, great American, we want you
Speaker 3: to send your mortgage payment to this bank at a
Speaker 3: different bank at Fifth Third.
Speaker 1: That's happened, and if.
Speaker 3: You sent it to the wrong place, guess what you
Speaker 3: could be out that money. Now you may or may
Speaker 3: not have inshurch coverage for it. But when that happens,
Speaker 3: do not rely on the email address or the phone
Speaker 3: number that they give you. It'll be a great looking
Speaker 3: email address, it'll look just like Fifth Thirds email edditress.
Speaker 3: Their logos are going to be the same. Don't rely
Speaker 3: on the stuff we.
Speaker 1: Sold your loan.
Speaker 2: So let's say, for example, I'm a fifth Third bank. YEP,
Speaker 2: I get a nice official looking in the mail and
Speaker 2: an email beginning February first, twenty twenty five, we have
Speaker 2: sold your loan to a XYZ mortgage company and this
Speaker 2: is where to send it.
Speaker 1: Right, what do you do?
Speaker 3: I would first of all verify with who you got
Speaker 3: the loan through if you went to the loan broker
Speaker 3: at fifth third, I would call that person or call
Speaker 3: fifth Third themselves and verify from fifth third what you're
Speaker 3: supposed to do, and then get that in writing f
Speaker 3: fifth third. Make sure that it's actually fifth third you're
Speaker 3: talking about. But use the information in your files, use
Speaker 3: the address, the telephone number on that information, or even
Speaker 3: go find the fifth third information on your own, as
Speaker 3: long as you're at a verifiable website. But the other thing,
Speaker 3: when somebody sends you an email, here's a trick that
Speaker 3: even the hackers are getting good at trying to spoof.
Speaker 3: If you hover over the from address and the name,
Speaker 3: if it says Bill Cunningham, and you'll hover it over
Speaker 3: and it says from you know, great American one two
Speaker 3: three at gmail dot com, it's probably not Bill Cunningham. Okay,
Speaker 3: you're going to have to look at those addresses to
Speaker 3: see who it's actually from.
Speaker 2: Well, his life's so complicated, hey, you And if you're
Speaker 2: an older, if you're in your sixties, r seventies and eighties,
Speaker 2: and I've had fraud alerts from people I know that
Speaker 2: they have to someone's going to come by to pick
Speaker 2: up ten thousand dollars in cash. The Venmo account was
Speaker 2: wrongly credited and you've got to pay the money back
Speaker 2: otherwise it's a legal matter. And this older woman who
Speaker 2: didn't have a Venmo account, but they cent her an
Speaker 2: indication that she has a Venmo account that had twenty
Speaker 2: thousand dollars put into it, and she had to give
Speaker 2: back ten thousand dollars in cash because they don't want
Speaker 2: to go through any and a person literally showed up
Speaker 2: at her house to collect ten thousand dollars in cash
Speaker 2: and the older woman had it ready to go.
Speaker 3: Yeah. Yeah, Well, we saw this up in Clark County,
Speaker 3: Springfield a lot long ago that an older gentleman was
Speaker 3: being pestered by a guy telling him that he was
Speaker 3: going to send an Uber driver over to pick up
Speaker 3: some money and that his grandkids needed to get out
Speaker 3: of jail. And he came out and actually shot the
Speaker 3: Uber driver. They saw it as a scam and the
Speaker 3: reality the Uber driver had nothing to do with it.
Speaker 1: He was just doing a pickup.
Speaker 3: Those are the kind of things we need to track
Speaker 3: down and find the people, and look, law enforcement has
Speaker 3: a role in that, but it's a bigger picture.
Speaker 1: Than just one one mistake.
Speaker 2: You're one of the men or women on the state
Speaker 2: Reapportionment Board. It's the governor. I think we vote for
Speaker 2: that person. You do the auditor, which is you, Keith Faber,
Speaker 2: We vote for that press correct, Secretary of State. We
Speaker 2: actually vote for that person, and the legislature picks two
Speaker 2: in the House Democrat Republican, two in the Senate Democrat Republican.
Speaker 2: You're sitting on the board which is ruled quote unconstitutional
Speaker 2: by an activist Supreme Court justice who's fortunately retired. You
Speaker 2: have to get back together sometime soon. What's going to
Speaker 2: happen next on the Reapportionment Board of which you're still
Speaker 2: a member. Well, I was actually the last chairman when
Speaker 2: we did legislative maps and got a seven zero bipartisan vote.
Speaker 2: So the legislative maps are in place for ten years.
Speaker 2: And we did that.
Speaker 3: The current Supreme Court, the allied liberal organizations that sued
Speaker 3: us not once but seven times, dismissed their lawsuit with
Speaker 3: regard to the legislative map. So that case is over.
Speaker 3: We now have the congressional maps that we have to draw,
Speaker 3: and the congressional maps are going to have to get
Speaker 3: drawn by the legislature.
Speaker 1: They have the first crack at it.
Speaker 3: Hopefully they get it done because frankly, as a member
Speaker 3: of the Redistricting Commission, I.
Speaker 1: Don't want to deal with this issue anymore. I'm done.
Speaker 3: Okay, you to hear you haven't lived until Mark Elias
Speaker 3: and air Colder have sued you, not once, but seven times.
Speaker 3: But if they can't get it done, they can't get
Speaker 3: it done in the way the constitution requires. It will
Speaker 3: come back to the Redistricting Commission. Hopefully this time I
Speaker 3: won't be chairman. Somebody else will get selected. But if
Speaker 3: they you know what you have to serve. But you've
Speaker 3: had enough. I've been there, done that, and literally have
Speaker 3: the T shirt. So I want to make sure if
Speaker 3: they pick somebody else, we will participate. We will draw
Speaker 3: constitutional maps for me what I've always believed the best
Speaker 3: way to draw districts are to draw districts that are
Speaker 3: compact and keep communities together where you can, so you
Speaker 3: have a right to be represented by somebody who shares
Speaker 3: your thoughts, your ideas, and your values. If you look
Speaker 3: at the red blue map in Ohio, you'll know this
Speaker 3: that people in Ohio tend to live around people who
Speaker 3: think and vote like them. And when you want to
Speaker 3: get into this concept of proportionality and dicing and splicing
Speaker 3: and moving districts all over to get a political result,
Speaker 3: that's called gerimandering. I will not do that. I believe
Speaker 3: the current constitution prohibits that, and we will draw maps
Speaker 3: that keep communities together that are as compact as possible.
Speaker 3: And ultimately that means that if you're in Hamilton County,
Speaker 3: the odd you're probably gonna be voting for somebody who
Speaker 3: shares Hamilton County's value.
Speaker 1: Landsman.
Speaker 3: If you're in Butler, Claremont, or Warren County, the odds
Speaker 3: are you're going to be voting for somebody who shares
Speaker 3: Boby ask this question these values, my friends in Warren County,
Speaker 3: we're lumped in with most of Hamilton County, and Warren
Speaker 3: County is not happy with the liberal Democrat named Greg
Speaker 3: Lansman representing them in the Congress. What do you say
Speaker 3: to the good residents of Warren County to vote seventy
Speaker 3: percent for Republicans and they can't oust Greg Lansman because
Speaker 3: most of the votes in Hamlety County. Why did you
Speaker 3: hook Warren County with Hamilton County well again that map
Speaker 3: was actually drawn by the legend. Well, we extra participated
Speaker 3: in it, but the concept was to hit this proportionality
Speaker 3: guide and the proportionally guide that Marin O'Connor was trying
Speaker 3: to force down our throats where you have a roughly,
Speaker 3: you know, fifty four to forty six distribution around Ohio.
Speaker 3: I don't think proportionality is a mandate in the constitution.
Speaker 3: I think compactness. I think keeping districts that are keep
Speaker 3: community cities, counties and townships together where you can, it's
Speaker 3: the priority. And if you're drawing districts like that, look,
Speaker 3: you're going to have more Republican seats than Democrats in
Speaker 3: the state that Donald Trump just won by twelve points.
Speaker 2: So in the next event, you're going to do it
Speaker 2: again sometime next year.
Speaker 1: Not to be this year.
Speaker 3: It'll probably be the well, you're right, next year year,
Speaker 3: hext year, I'm forgetting where we are in the calendar.
Speaker 1: We got Christmas yet.
Speaker 2: And then you'll be sued again by Mark Elias and
Speaker 2: by Eric Holder. I assume you'll be sued no matter what.
Speaker 1: Well maybe maybe not.
Speaker 3: The big difference is we now have a constitutional Supreme Court,
Speaker 3: We have a Supreme Court. Remember last time, they could
Speaker 3: have continued their lawsuits on both of these maps, and
Speaker 3: they dismissed both of them. I look, if they sue
Speaker 3: us this time and we violate Articles two, three, four, five,
Speaker 3: or seven of the Constitution, we should be sued. If
Speaker 3: we don't violate those, and it's only proportionality they want
Speaker 3: to sue us. One God bless you. I think the
Speaker 3: Court's going to follow the Constitution.
Speaker 2: Lastly, there was this floating idea of a grossly expanding
Speaker 2: the House of Representatives from ninety nine to like a
Speaker 2: one hundred and fifty. As an American, I don't want
Speaker 2: one hundred and fifty. We have enough government. I worry
Speaker 2: about the one hundred and fifty ninety nine House and
Speaker 2: thirty three Sentate.
Speaker 1: It's enough for me. Where do you stand on that?
Speaker 1: If anything?
Speaker 3: Look, I served in the legislature, I was former Senate president,
Speaker 3: I served in the House. It is it is much
Speaker 3: easier to herd cats in thirty three than it is
Speaker 3: ninety nine. It will be almost impossible to herd cats
Speaker 3: at one hundred and fifty. And so you add that,
Speaker 3: it just makes it more difficult to get things done,
Speaker 3: more difficult to have an input. Yeah, smaller districts mean
Speaker 3: it's going to be easier to elect somebody from your
Speaker 3: neighborhood of your community, particularly when you've got bigger rural areas.
Speaker 3: But in the end, I don't hear rural areas complaining
Speaker 3: about their legislators. What I hear is suburban and urban
Speaker 3: people complaining that they want more Democrats because the legislature
Speaker 3: doesn't share their statewide perspective. Really, Ohio is well represented
Speaker 3: in the mix of the legislature. Is Ohio a sixty
Speaker 3: five percent Republican state? Probably not, but we're certainly not
Speaker 3: a fifty four percent Republican state. And as you go
Speaker 3: through this mix, I think the current legislature can do
Speaker 3: what you do. But here's the key. We elect people
Speaker 3: to represent us. If you don't vote, I vote for you,
Speaker 3: that's right. If you don't like your representative.
Speaker 1: Vote for you. Then I'll say to favor, don't know
Speaker 1: what he's doing.
Speaker 2: But if the other way was that this board of
Speaker 2: experts would get together, I don't vote for to draw
Speaker 2: the lines, and I have no say on what they do,
Speaker 2: and they can pay themselves for what they want, and
Speaker 2: I got no I want to have a say right
Speaker 2: or wrong.
Speaker 3: It was literally one of the worst ideas. And you've
Speaker 3: seen the places that this has happened. It comes for
Speaker 3: a political outcome. You can't take politics out of a
Speaker 3: political process. Drawing legislative lines is inherently political. And what
Speaker 3: every time they've tried to do this effectively, what they
Speaker 3: do is figure out a way to exercise their political
Speaker 3: bias into the lines. The best solution in this area
Speaker 3: is to have districts that are compact and that allow
Speaker 3: people to be represented by people who are local and
Speaker 3: share their thoughts and their values and there.
Speaker 2: That makes no sense at all. That's just crazy. I'm crazy.
Speaker 2: Keith Favor, State Auditors soon to be State Attorney General.
Speaker 2: Thanks for coming on the Bill Cunningham Show in person.
Speaker 2: By the way, you're here anytime you exist. Last give
Speaker 2: me one capsule on an email, a text or a
Speaker 2: phone call that you don't you recognize and who is that?
Speaker 2: And they want information?
Speaker 1: What do you do? Hang up?
Speaker 3: Delete because they want to use your voice. They want
Speaker 3: to use your voice, they want to capture your information.
Speaker 3: And they they're really good at what's called social engineering,
Speaker 3: where they pretend to get you convinced that they are
Speaker 3: somebody who they are not. Do not fall for it. Look,
Speaker 3: we have to be right one hundred percent of the time.
Speaker 3: The hackers, the scammers only have to be write once.
Speaker 3: The other thing is, and we didn't talk about this,
Speaker 3: and I'm not paid by these folks, and I don't
Speaker 3: care who you use. But it's not a bad idea
Speaker 3: to get it any theft protection.
Speaker 2: If you third bank for five bucks a month, if
Speaker 2: you have the ability to get it, get it, because
Speaker 2: when it happens, it is a pain in the butt
Speaker 2: to I know a lot of this stuff, and they'll
Speaker 2: help you do it.
Speaker 3: The other thing is, if you think somebody's slides or
Speaker 3: cheating with your state information, call the state Auditor's Office
Speaker 3: one eight sixty six FRONTO h R, Ohio auditor dot gov.
Speaker 3: I have now put nearly one hundred and thirty people
Speaker 3: in prison for lines, stealing and cheating with your tax dollars.
Speaker 2: Keith Favor, godspeed, thank you, thank you. Let's continue with more.
Speaker 2: Bill Cunningham News Radio seven hundred Wow.