Speaker 1: You're listening to Later with Mo Kelly on demand from
Speaker 1: KFI AM six forty.
Speaker 2: KFI AM six forty is Later with Mo Kelly live everywhere,
Speaker 2: in i heeartradio app and on YouTube Tech Thursday. That
Speaker 2: means Marshall Collier joins us in studio. Marsh's great to
Speaker 2: see you as always. How are you, my friend?
Speaker 3: It's great seeing you, really, Mo, It's fuck.
Speaker 2: I just get a kick out of the fact everyone
Speaker 2: gets to see you as well.
Speaker 3: Well, they get to see you too. I mean if
Speaker 3: they they see the beautiful studio, they get to see
Speaker 3: when you.
Speaker 2: Yeah, but your hair is longer than mine and it's flowing.
Speaker 2: It's beautiful. It's a little bit different. I think they
Speaker 2: would rather look at you.
Speaker 3: Okay, well maybe one day we'll wear hats.
Speaker 4: All right, fair enough.
Speaker 2: I know you've come to talk to us about subscriptions
Speaker 2: and how maybe you can unsubscribe when it comes to
Speaker 2: at least email subscriptions.
Speaker 3: Okay. We've talked about Gmail before, right, and a lot
Speaker 3: of people use Gmail. Love email via Gmail. I try
Speaker 3: to use Microsoft Outlook because I have a Hotmail account too.
Speaker 3: I can't even read mail on their app. I don't
Speaker 3: understand what's going on? So Gmail, it is for me
Speaker 3: and a lot of other people, and they do store
Speaker 3: your email and it takes up room on your drive,
Speaker 3: which is a big deal. But now they're unrolling slowly,
Speaker 3: you know how they do. They announce something and then
Speaker 3: it takes a while for them to finally decide to
Speaker 3: bring it out. It will become starting first on Android,
Speaker 3: then on desktop, then iOS. It's called managed subscriptions. MO,
Speaker 3: tell me how many subscriptions do you have?
Speaker 4: Email subscriptions.
Speaker 2: I get signed up for lists all the time that
Speaker 2: have nothing to do with me, nothing that I've actually
Speaker 2: signed up for and said yes, I would like to.
Speaker 4: Receive emails in perpetuity from you.
Speaker 2: I just always it's like, and then I see the
Speaker 2: unsubscribed button at the bottom.
Speaker 4: It's like, well, I never signed up in the first place.
Speaker 4: How do I unsubscribe when I didn't subscribe?
Speaker 3: Right? And we got people here nodding too, because this
Speaker 3: it's not just stuff you subscribe for, and I don't
Speaker 3: know where that comes from. By the way, I did
Speaker 3: little thing here. You know, when you go to a
Speaker 3: website and you're supposed to click the dots, do not
Speaker 3: sell my personal information? A new trick. They had it
Speaker 3: as if you switch it on, it means do not
Speaker 3: share my personally. So you got to read it now, yeah,
Speaker 3: real careful because if you turn it off, you're giving
Speaker 3: them permission. I mean it's like beloney. I mean, it's
Speaker 3: like something else, but I can't say it anyway. So
Speaker 3: there Gmail is coming up with this thing called managed subscriptions.
Speaker 3: And what happens I'm going to show you is my Gmail. Okay, Now,
Speaker 3: on Gmail, you know, you can flip out the sidebar
Speaker 3: and you have all your little folders and all different things.
Speaker 3: If you scroll to the very bottom of this, there
Speaker 3: will be a thing called managed subscriptions. When this finally
Speaker 3: arrives in an update, I just I just updated my
Speaker 3: stuff and I did not get it yet, but I
Speaker 3: have seen pictures so I know it exists. And then
Speaker 3: you just tap on it and it's a list of
Speaker 3: every business that sends you stuff, any kind of stuff,
Speaker 3: whether you've bought from them or not. Because I mean, mo,
Speaker 3: you're talking about, right, You buy from one retailer and
Speaker 3: what do they send it all to all their friends.
Speaker 2: I've never seen this website before.
Speaker 4: I don't know this business, and I'm on someone's mailing.
Speaker 3: List and I don't know that it isn't a scam, right,
Speaker 3: and they may.
Speaker 4: I'm sorry, Madge jump in.
Speaker 2: There are some scams where you haven't signed up for
Speaker 2: the email list, but they're just trying to see if
Speaker 2: there's someone behind that email. And you try to and
Speaker 2: you click on the unsubscribed and they want you to
Speaker 2: put in your email again to verify that you're unsubscribing.
Speaker 2: Next thing you know, you've verified that's a live email.
Speaker 3: Well, there are a couple of different Marcia Colliers in
Speaker 3: the country who buy stuff and use my email address.
Speaker 3: I don't know why, but they do. I send back
Speaker 3: a letter to a company that's saying thank you for
Speaker 3: your purchase. It will be delivered at I say, this
Speaker 3: could be impersonation, this could be fraud. I'm not saying anything,
Speaker 3: but this email address does not belong to that person.
Speaker 3: And I never get a response. It's like they don't care.
Speaker 3: I don't understand it. So anyway, So then you'll get
Speaker 3: to see this entire list on the side panel after
Speaker 3: you've tapped managed subscriptions, and all you have to do
Speaker 3: is tap tap tap in the little check there. Yes,
Speaker 3: so do I because that will send an unsubscribed to everyone,
Speaker 3: and Google warns that it won't happen immediately. You'll still
Speaker 3: get three or four emails, so I'll.
Speaker 4: Take three or four as opposed to thirty I get
Speaker 4: a day.
Speaker 3: There's some the Wall Street Journal. I canceled them today.
Speaker 3: I canceled the Wall Street Journal because they send me
Speaker 3: email all day, every.
Speaker 2: Minute, and if you're not careful, you can unsubscribe to
Speaker 2: a particular list, but they may have six or seven
Speaker 2: different lists. You got to make sure you unsubscribed from
Speaker 2: all of their lists, none of which you probably signed
Speaker 2: up for.
Speaker 3: Right, So I just I had it with them, and
Speaker 3: I canceled the Wall Street Journal today, which I really enjoyed,
Speaker 3: but I just couldn't put up with the constant email.
Speaker 3: So this will be a new tool in our toolbox.
Speaker 3: And when I get it, I'll let you all know
Speaker 3: and we can do the unsubscribed thing right here on
Speaker 3: the radio.
Speaker 4: We'll we come back.
Speaker 2: Let's talk about NFC near field communication, where you may
Speaker 2: put your phone next to someone else's phone and maybe
Speaker 2: swap contacts or I don't know, buy something at the supermarkets.
Speaker 4: I don't use that.
Speaker 3: Well, I'm so glad. I'm talking to you, Moo, because
Speaker 3: you really understand what it is. It is being used
Speaker 3: for the latest and greatest fraud.
Speaker 2: Before you get into it, Let's go to this break
Speaker 2: and then when we come back, we'll get into the
Speaker 2: latest and greatest fraud that is probably targeting all of us.
Speaker 4: It's Later with Mo Kelly.
Speaker 2: I'm joined in the studio by Marshall Collier on this
Speaker 2: Tech Thursday.
Speaker 4: We're live on YouTube.
Speaker 1: You're listening to Later with Mo Kelly on demand from
Speaker 1: KFI AM six forty.
Speaker 4: KFI.
Speaker 2: It's Later with Mo Kelly and Marshall Collier. We are
Speaker 2: live everywhere on the iHeartRadio app and YouTube and on
Speaker 2: the YouTube chat. We just got a very nice compliment
Speaker 2: for Marshall Collier saying that she looked like to them
Speaker 2: or very reminiscent of Lisa Ann Walter, who used to
Speaker 2: be on KFI. If you don't know who that is,
Speaker 2: she is now one of the stars of Abbot Elementary
Speaker 2: on ABC.
Speaker 4: Totally see that. Oh absolutely, I never connected that.
Speaker 3: Yeah, yeah, well I got to meet my sister.
Speaker 2: Then we'll show you a picture. In fact, we all
Speaker 2: got to call her up sometimes we got it. Just
Speaker 2: see she's available.
Speaker 3: I think that'd be a great idea.
Speaker 4: But back to the business at hand.
Speaker 2: We had teased that we're going to talk about this
Speaker 2: new scam that exploits our phone's NFC, and we were
Speaker 2: explaining near field communication where you're just getting your phone
Speaker 2: close to another phone or some sort of digital terma.
Speaker 3: Now it happens over the phone. Let me just say
Speaker 3: the numbers were released yesterday. The FBI says online scams
Speaker 3: have raked in sixteen point six billion dollars last year,
Speaker 3: and these are just the ones that are reported. And
Speaker 3: I want everybody if you get one of those texts,
Speaker 3: if you get somebody trying to DM you and get
Speaker 3: your information, go to that FBI page. It's called the
Speaker 3: IC three, the Internet Crime Compliant Center. You find it
Speaker 3: on the Internet, and file the take a screenshot, file
Speaker 3: the complaint. Because their numbers can't climb and they can't
Speaker 3: solve all the crime unless you give them the information.
Speaker 3: So that's that's the first important I.
Speaker 2: Gotta be honest, I get one of those. Let me say,
Speaker 2: once or twice a week, this text from some unknown number,
Speaker 2: or it could be a number with a weird area code.
Speaker 2: I know it's phishing phi hi, and I don't respect
Speaker 2: well I'm.
Speaker 3: Missing If it's a text message.
Speaker 4: That's right, that's right.
Speaker 2: But my point is, you know who wants to take
Speaker 2: time out of their day normally to go report them? Yes,
Speaker 2: it's good for the bigger picture, but it still takes
Speaker 2: time out of your day to address it.
Speaker 3: Well, some of them are so egregious. Some of them
Speaker 3: are They hit too close to home. I got one
Speaker 3: that had my home address in it, and that's oh,
Speaker 3: I got to report this somewhere. Yeah, but you know Google,
Speaker 3: in your Gmail, you can report them there. You can
Speaker 3: report them in your Google messages, as you probably can
Speaker 3: on an Apple device. But okay, I have to hold
Speaker 3: this up because this is so complex, it's insane. So
Speaker 3: aside from all the package delivery and the you haven't
Speaker 3: paid the toll text, this is unbelievable. A company called
Speaker 3: Cleafy found doubt about it, and it's frighteningly sophisticated. So
Speaker 3: I'm going to have to hold up a piece of paper.
Speaker 3: The attack starts with an urgent or text or WhatsApp
Speaker 3: message impersonating bank security alerts. Now you've gotten those, you know, yes,
Speaker 3: but we've gotten legit ones. Right when you have a
Speaker 3: legit one, what you do is get out your ATM card,
Speaker 3: flip it over and call that number. Never called the
Speaker 3: number that you're going to see. Same thing with a
Speaker 3: credit card. Okay, So the alert will say there's a
Speaker 3: suspicious outgoing payment. The message prompts the potential victim to
Speaker 3: call a specific number checking on your bank. And we've
Speaker 3: already said don't do that. But what happens if you do.
Speaker 3: You're tricked into giving your checking and banking information and
Speaker 3: they confirm your PIN number with you, and they ask
Speaker 3: you to hold your bank card closer to your phone,
Speaker 3: and they read all the information off of it from
Speaker 3: the NFC chip.
Speaker 4: They're not reading us in laying eyes on it.
Speaker 2: They are taking the information through cyberspace just because it's
Speaker 2: close to it through NFC.
Speaker 3: Because you know, when you tap it to charge, you
Speaker 3: tap a debit card to use it, that's NFC. I mean,
Speaker 3: So this is so here's how it rolls out real quick. First,
Speaker 3: they get the pin from you. They then they say, oh,
Speaker 3: that can't be right, that's not what we have. I
Speaker 3: need you to reset that, and they give you instructions
Speaker 3: of where to go to reset it. I mean, this
Speaker 3: is sophisticated. Then when you're there on the bank webs site,
Speaker 3: they have you go to the card and live in
Speaker 3: the fake website, the fake bankwek that looks exactly like
Speaker 3: your bank website. Once they have your trust, they have
Speaker 3: banking at access and they instruct the victim to navigate
Speaker 3: to the card settings and remove any existing spending limits
Speaker 3: on that card that they can move right So it's
Speaker 3: especially on a debit card you may have I can
Speaker 3: only charge fifty dollars at a time on this, okay,
Speaker 3: so they remove that. Then they persuade the victim to
Speaker 3: install a little app that's going to help them as
Speaker 3: a utility. You know, the utility is going to be
Speaker 3: there to verify who they are when you use it. Okay,
Speaker 3: So you got that now without anyone's knowledge. Malware comes
Speaker 3: right along with that, and that's when they ask you
Speaker 3: to pick up your phone and hold it next to
Speaker 3: your credit card and using NFC, they read it. Once
Speaker 3: your card's been read, contactless payments at point of service
Speaker 3: terminals or contact less cash withdrawals at ATMs start almost immediately.
Speaker 2: And that's not counter the fact that they have your
Speaker 2: bank information to use as a see fit.
Speaker 3: Once a scammer has you on the phone, watch out.
Speaker 3: They have a really good chance of stealing from you
Speaker 3: because it's called social engineering. And my friend Kevin Mitnick
Speaker 3: was a real, real smart guy when it came to
Speaker 3: all of this, and he taught me never answer those calls.
Speaker 3: Just don't talk to him, and you'll save your bacon
Speaker 3: every time.
Speaker 2: Other words, if you don't make the call yourself to
Speaker 2: your bank.
Speaker 3: Right, do not, do not, do not. I even recommend
Speaker 3: don't answer phone calls on your phone because they can
Speaker 3: fake the name of who's calling in if it's a
Speaker 3: friend of yours, they'll say, hey, I'm just gonna call it,
Speaker 3: or you can call your friend back and say, hey,
Speaker 3: you just call me. Easy, Stay safe. The thieves are
Speaker 3: out there, the bad actors want to get you.
Speaker 4: You're making us. You make it. Be very concerned, a
Speaker 4: lot to think of it.
Speaker 3: Good good you should, because with one simple tap you
Speaker 3: could lose everything.
Speaker 2: Well on that cheery note, tap it in, give it
Speaker 2: a little tabby Stephan, You're always right on time. It's
Speaker 2: late with moch Kelly, Marcia Carryo is always great to
Speaker 2: see you. I got to run, but hopefully I get
Speaker 2: to see you again soon.
Speaker 3: We'll have some fun stuff of product demo next week.
Speaker 4: Ooh ooh, guys, like a little more for him.
Speaker 3: Hmmm, I have to talk to you about it.
Speaker 2: Okay, all right, that's next week with Marshall car You're
Speaker 2: we're live everywhere in the iHeartRadio app and YouTube.
Speaker 1: You're listening to Later with Moe Kelly on demand from
Speaker 1: KFI AM six forty