WEBVTT

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<v Speaker 1>You're listening to Later with Mo Kelly on demand from

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<v Speaker 1>KFI AM six forty.

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<v Speaker 2>KFI AM six forty is Later with Mo Kelly live everywhere,

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<v Speaker 2>in i heeartradio app and on YouTube Tech Thursday. That

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<v Speaker 2>means Marshall Collier joins us in studio. Marsh's great to

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<v Speaker 2>see you as always. How are you, my friend?

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<v Speaker 3>It's great seeing you, really, Mo, It's fuck.

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<v Speaker 2>I just get a kick out of the fact everyone

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<v Speaker 2>gets to see you as well.

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<v Speaker 3>Well, they get to see you too. I mean if

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<v Speaker 3>they they see the beautiful studio, they get to see

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<v Speaker 3>when you.

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<v Speaker 2>Yeah, but your hair is longer than mine and it's flowing.

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<v Speaker 2>It's beautiful. It's a little bit different. I think they

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<v Speaker 2>would rather look at you.

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<v Speaker 3>Okay, well maybe one day we'll wear hats.

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<v Speaker 4>All right, fair enough.

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<v Speaker 2>I know you've come to talk to us about subscriptions

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<v Speaker 2>and how maybe you can unsubscribe when it comes to

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<v Speaker 2>at least email subscriptions.

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<v Speaker 3>Okay. We've talked about Gmail before, right, and a lot

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<v Speaker 3>of people use Gmail. Love email via Gmail. I try

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<v Speaker 3>to use Microsoft Outlook because I have a Hotmail account too.

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<v Speaker 3>I can't even read mail on their app. I don't

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<v Speaker 3>understand what's going on? So Gmail, it is for me

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<v Speaker 3>and a lot of other people, and they do store

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<v Speaker 3>your email and it takes up room on your drive,

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<v Speaker 3>which is a big deal. But now they're unrolling slowly,

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<v Speaker 3>you know how they do. They announce something and then

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<v Speaker 3>it takes a while for them to finally decide to

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<v Speaker 3>bring it out. It will become starting first on Android,

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<v Speaker 3>then on desktop, then iOS. It's called managed subscriptions. MO,

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<v Speaker 3>tell me how many subscriptions do you have?

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<v Speaker 4>Email subscriptions.

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<v Speaker 2>I get signed up for lists all the time that

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<v Speaker 2>have nothing to do with me, nothing that I've actually

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<v Speaker 2>signed up for and said yes, I would like to.

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<v Speaker 4>Receive emails in perpetuity from you.

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<v Speaker 2>I just always it's like, and then I see the

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<v Speaker 2>unsubscribed button at the bottom.

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<v Speaker 4>It's like, well, I never signed up in the first place.

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<v Speaker 4>How do I unsubscribe when I didn't subscribe?

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<v Speaker 3>Right? And we got people here nodding too, because this

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<v Speaker 3>it's not just stuff you subscribe for, and I don't

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<v Speaker 3>know where that comes from. By the way, I did

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<v Speaker 3>little thing here. You know, when you go to a

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<v Speaker 3>website and you're supposed to click the dots, do not

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<v Speaker 3>sell my personal information? A new trick. They had it

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<v Speaker 3>as if you switch it on, it means do not

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<v Speaker 3>share my personally. So you got to read it now, yeah,

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<v Speaker 3>real careful because if you turn it off, you're giving

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<v Speaker 3>them permission. I mean it's like beloney. I mean, it's

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<v Speaker 3>like something else, but I can't say it anyway. So

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<v Speaker 3>there Gmail is coming up with this thing called managed subscriptions.

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<v Speaker 3>And what happens I'm going to show you is my Gmail. Okay, Now,

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<v Speaker 3>on Gmail, you know, you can flip out the sidebar

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<v Speaker 3>and you have all your little folders and all different things.

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<v Speaker 3>If you scroll to the very bottom of this, there

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<v Speaker 3>will be a thing called managed subscriptions. When this finally

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<v Speaker 3>arrives in an update, I just I just updated my

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<v Speaker 3>stuff and I did not get it yet, but I

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<v Speaker 3>have seen pictures so I know it exists. And then

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<v Speaker 3>you just tap on it and it's a list of

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<v Speaker 3>every business that sends you stuff, any kind of stuff,

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<v Speaker 3>whether you've bought from them or not. Because I mean, mo,

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<v Speaker 3>you're talking about, right, You buy from one retailer and

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<v Speaker 3>what do they send it all to all their friends.

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<v Speaker 2>I've never seen this website before.

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<v Speaker 4>I don't know this business, and I'm on someone's mailing.

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<v Speaker 3>List and I don't know that it isn't a scam, right,

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<v Speaker 3>and they may.

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<v Speaker 4>I'm sorry, Madge jump in.

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<v Speaker 2>There are some scams where you haven't signed up for

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<v Speaker 2>the email list, but they're just trying to see if

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<v Speaker 2>there's someone behind that email. And you try to and

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<v Speaker 2>you click on the unsubscribed and they want you to

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<v Speaker 2>put in your email again to verify that you're unsubscribing.

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<v Speaker 2>Next thing you know, you've verified that's a live email.

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<v Speaker 3>Well, there are a couple of different Marcia Colliers in

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<v Speaker 3>the country who buy stuff and use my email address.

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<v Speaker 3>I don't know why, but they do. I send back

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<v Speaker 3>a letter to a company that's saying thank you for

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<v Speaker 3>your purchase. It will be delivered at I say, this

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<v Speaker 3>could be impersonation, this could be fraud. I'm not saying anything,

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<v Speaker 3>but this email address does not belong to that person.

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<v Speaker 3>And I never get a response. It's like they don't care.

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<v Speaker 3>I don't understand it. So anyway, So then you'll get

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<v Speaker 3>to see this entire list on the side panel after

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<v Speaker 3>you've tapped managed subscriptions, and all you have to do

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<v Speaker 3>is tap tap tap in the little check there. Yes,

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<v Speaker 3>so do I because that will send an unsubscribed to everyone,

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<v Speaker 3>and Google warns that it won't happen immediately. You'll still

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<v Speaker 3>get three or four emails, so I'll.

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<v Speaker 4>Take three or four as opposed to thirty I get

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<v Speaker 4>a day.

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<v Speaker 3>There's some the Wall Street Journal. I canceled them today.

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<v Speaker 3>I canceled the Wall Street Journal because they send me

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<v Speaker 3>email all day, every.

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<v Speaker 2>Minute, and if you're not careful, you can unsubscribe to

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<v Speaker 2>a particular list, but they may have six or seven

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<v Speaker 2>different lists. You got to make sure you unsubscribed from

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<v Speaker 2>all of their lists, none of which you probably signed

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<v Speaker 2>up for.

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<v Speaker 3>Right, So I just I had it with them, and

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<v Speaker 3>I canceled the Wall Street Journal today, which I really enjoyed,

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<v Speaker 3>but I just couldn't put up with the constant email.

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<v Speaker 3>So this will be a new tool in our toolbox.

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<v Speaker 3>And when I get it, I'll let you all know

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<v Speaker 3>and we can do the unsubscribed thing right here on

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<v Speaker 3>the radio.

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<v Speaker 4>We'll we come back.

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<v Speaker 2>Let's talk about NFC near field communication, where you may

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<v Speaker 2>put your phone next to someone else's phone and maybe

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<v Speaker 2>swap contacts or I don't know, buy something at the supermarkets.

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<v Speaker 4>I don't use that.

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<v Speaker 3>Well, I'm so glad. I'm talking to you, Moo, because

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<v Speaker 3>you really understand what it is. It is being used

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<v Speaker 3>for the latest and greatest fraud.

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<v Speaker 2>Before you get into it, Let's go to this break

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<v Speaker 2>and then when we come back, we'll get into the

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<v Speaker 2>latest and greatest fraud that is probably targeting all of us.

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<v Speaker 4>It's Later with Mo Kelly.

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<v Speaker 2>I'm joined in the studio by Marshall Collier on this

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<v Speaker 2>Tech Thursday.

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<v Speaker 4>We're live on YouTube.

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<v Speaker 1>You're listening to Later with Mo Kelly on demand from

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<v Speaker 1>KFI AM six forty.

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<v Speaker 4>KFI.

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<v Speaker 2>It's Later with Mo Kelly and Marshall Collier. We are

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<v Speaker 2>live everywhere on the iHeartRadio app and YouTube and on

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<v Speaker 2>the YouTube chat. We just got a very nice compliment

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<v Speaker 2>for Marshall Collier saying that she looked like to them

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<v Speaker 2>or very reminiscent of Lisa Ann Walter, who used to

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<v Speaker 2>be on KFI. If you don't know who that is,

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<v Speaker 2>she is now one of the stars of Abbot Elementary

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<v Speaker 2>on ABC.

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<v Speaker 4>Totally see that. Oh absolutely, I never connected that.

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<v Speaker 3>Yeah, yeah, well I got to meet my sister.

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<v Speaker 2>Then we'll show you a picture. In fact, we all

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<v Speaker 2>got to call her up sometimes we got it. Just

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<v Speaker 2>see she's available.

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<v Speaker 3>I think that'd be a great idea.

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<v Speaker 4>But back to the business at hand.

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<v Speaker 2>We had teased that we're going to talk about this

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<v Speaker 2>new scam that exploits our phone's NFC, and we were

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<v Speaker 2>explaining near field communication where you're just getting your phone

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<v Speaker 2>close to another phone or some sort of digital terma.

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<v Speaker 3>Now it happens over the phone. Let me just say

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<v Speaker 3>the numbers were released yesterday. The FBI says online scams

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<v Speaker 3>have raked in sixteen point six billion dollars last year,

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<v Speaker 3>and these are just the ones that are reported. And

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<v Speaker 3>I want everybody if you get one of those texts,

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<v Speaker 3>if you get somebody trying to DM you and get

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<v Speaker 3>your information, go to that FBI page. It's called the

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<v Speaker 3>IC three, the Internet Crime Compliant Center. You find it

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<v Speaker 3>on the Internet, and file the take a screenshot, file

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<v Speaker 3>the complaint. Because their numbers can't climb and they can't

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<v Speaker 3>solve all the crime unless you give them the information.

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<v Speaker 3>So that's that's the first important I.

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<v Speaker 2>Gotta be honest, I get one of those. Let me say,

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<v Speaker 2>once or twice a week, this text from some unknown number,

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<v Speaker 2>or it could be a number with a weird area code.

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<v Speaker 2>I know it's phishing phi hi, and I don't respect

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<v Speaker 2>well I'm.

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<v Speaker 3>Missing If it's a text message.

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<v Speaker 4>That's right, that's right.

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<v Speaker 2>But my point is, you know who wants to take

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<v Speaker 2>time out of their day normally to go report them? Yes,

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<v Speaker 2>it's good for the bigger picture, but it still takes

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<v Speaker 2>time out of your day to address it.

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<v Speaker 3>Well, some of them are so egregious. Some of them

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<v Speaker 3>are They hit too close to home. I got one

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<v Speaker 3>that had my home address in it, and that's oh,

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<v Speaker 3>I got to report this somewhere. Yeah, but you know Google,

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<v Speaker 3>in your Gmail, you can report them there. You can

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<v Speaker 3>report them in your Google messages, as you probably can

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<v Speaker 3>on an Apple device. But okay, I have to hold

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<v Speaker 3>this up because this is so complex, it's insane. So

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<v Speaker 3>aside from all the package delivery and the you haven't

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<v Speaker 3>paid the toll text, this is unbelievable. A company called

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<v Speaker 3>Cleafy found doubt about it, and it's frighteningly sophisticated. So

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<v Speaker 3>I'm going to have to hold up a piece of paper.

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<v Speaker 3>The attack starts with an urgent or text or WhatsApp

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<v Speaker 3>message impersonating bank security alerts. Now you've gotten those, you know, yes,

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<v Speaker 3>but we've gotten legit ones. Right when you have a

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<v Speaker 3>legit one, what you do is get out your ATM card,

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<v Speaker 3>flip it over and call that number. Never called the

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<v Speaker 3>number that you're going to see. Same thing with a

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<v Speaker 3>credit card. Okay, So the alert will say there's a

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<v Speaker 3>suspicious outgoing payment. The message prompts the potential victim to

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<v Speaker 3>call a specific number checking on your bank. And we've

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<v Speaker 3>already said don't do that. But what happens if you do.

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<v Speaker 3>You're tricked into giving your checking and banking information and

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<v Speaker 3>they confirm your PIN number with you, and they ask

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<v Speaker 3>you to hold your bank card closer to your phone,

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<v Speaker 3>and they read all the information off of it from

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<v Speaker 3>the NFC chip.

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<v Speaker 4>They're not reading us in laying eyes on it.

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<v Speaker 2>They are taking the information through cyberspace just because it's

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<v Speaker 2>close to it through NFC.

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<v Speaker 3>Because you know, when you tap it to charge, you

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<v Speaker 3>tap a debit card to use it, that's NFC. I mean,

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<v Speaker 3>So this is so here's how it rolls out real quick. First,

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<v Speaker 3>they get the pin from you. They then they say, oh,

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<v Speaker 3>that can't be right, that's not what we have. I

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<v Speaker 3>need you to reset that, and they give you instructions

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<v Speaker 3>of where to go to reset it. I mean, this

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<v Speaker 3>is sophisticated. Then when you're there on the bank webs site,

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<v Speaker 3>they have you go to the card and live in

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<v Speaker 3>the fake website, the fake bankwek that looks exactly like

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<v Speaker 3>your bank website. Once they have your trust, they have

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<v Speaker 3>banking at access and they instruct the victim to navigate

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<v Speaker 3>to the card settings and remove any existing spending limits

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<v Speaker 3>on that card that they can move right So it's

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<v Speaker 3>especially on a debit card you may have I can

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<v Speaker 3>only charge fifty dollars at a time on this, okay,

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<v Speaker 3>so they remove that. Then they persuade the victim to

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<v Speaker 3>install a little app that's going to help them as

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<v Speaker 3>a utility. You know, the utility is going to be

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<v Speaker 3>there to verify who they are when you use it. Okay,

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<v Speaker 3>So you got that now without anyone's knowledge. Malware comes

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<v Speaker 3>right along with that, and that's when they ask you

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<v Speaker 3>to pick up your phone and hold it next to

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<v Speaker 3>your credit card and using NFC, they read it. Once

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<v Speaker 3>your card's been read, contactless payments at point of service

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<v Speaker 3>terminals or contact less cash withdrawals at ATMs start almost immediately.

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<v Speaker 2>And that's not counter the fact that they have your

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<v Speaker 2>bank information to use as a see fit.

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<v Speaker 3>Once a scammer has you on the phone, watch out.

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<v Speaker 3>They have a really good chance of stealing from you

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<v Speaker 3>because it's called social engineering. And my friend Kevin Mitnick

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<v Speaker 3>was a real, real smart guy when it came to

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<v Speaker 3>all of this, and he taught me never answer those calls.

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<v Speaker 3>Just don't talk to him, and you'll save your bacon

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<v Speaker 3>every time.

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<v Speaker 2>Other words, if you don't make the call yourself to

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<v Speaker 2>your bank.

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<v Speaker 3>Right, do not, do not, do not. I even recommend

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<v Speaker 3>don't answer phone calls on your phone because they can

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<v Speaker 3>fake the name of who's calling in if it's a

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<v Speaker 3>friend of yours, they'll say, hey, I'm just gonna call it,

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<v Speaker 3>or you can call your friend back and say, hey,

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<v Speaker 3>you just call me. Easy, Stay safe. The thieves are

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<v Speaker 3>out there, the bad actors want to get you.

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<v Speaker 4>You're making us. You make it. Be very concerned, a

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<v Speaker 4>lot to think of it.

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<v Speaker 3>Good good you should, because with one simple tap you

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<v Speaker 3>could lose everything.

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<v Speaker 2>Well on that cheery note, tap it in, give it

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<v Speaker 2>a little tabby Stephan, You're always right on time. It's

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<v Speaker 2>late with moch Kelly, Marcia Carryo is always great to

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<v Speaker 2>see you. I got to run, but hopefully I get

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<v Speaker 2>to see you again soon.

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<v Speaker 3>We'll have some fun stuff of product demo next week.

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<v Speaker 4>Ooh ooh, guys, like a little more for him.

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<v Speaker 3>Hmmm, I have to talk to you about it.

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<v Speaker 2>Okay, all right, that's next week with Marshall car You're

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<v Speaker 2>we're live everywhere in the iHeartRadio app and YouTube.

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<v Speaker 1>You're listening to Later with Moe Kelly on demand from

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<v Speaker 1>KFI AM six forty