Affinity Fraud

Fraud committed by parties that exploit people by gaining their trust because they hold a common affiliation i.e. same religious background, co-workers, friends, family, Immigrants etc…

Dumpster Diving

Persons looking to commit identity theft may rumage through your garbage looking for personal information information that may be found on bills, bank statements, investments statements etc…


Fraudsters will send an email or text message advising that you have won a prize. In the body of the email or text message there will often be a link that you need to click on to receive your prize. However, once you click on the link the fraudster will be able to steal your personal information from your computer or cellular phone.

Disguised Phone Call Scams

There are numerous types of phone scams out there. However, most involve the frausdter placing a call disguised as someone else such as a family member or friend, asking for money. One such example is The"Grandparent Call Scam" whereby the fraudster calls an elderly person and pretends to be the grandchild (sometimes they have the grandchilds name from dumpster diving, socail media sites, newspaper obituaries, wedding announcements etc…) if they do not have the name they simply say something like "its me Grandma, I can't believe you don't recognize your own grandson's voice" often the grandparent will then respond "is that you Jimmy?" then the fraudster says "yeah its Jimmy and I am in trouble and I need your help. I don't want anyone else to know because I am so embarrassed but I know you will understand and I can trust you." It ends with the grandparent wiring money to the fraudster who they believe is the grandchild


The term "Phising" is a term used when a fraudster uses emails to lure you into providing your personal information. They send emails that appear to be coming from a legitimate Source. They often include the Logos and Trademarks to make the email seem reliable. These emails often contain links to a website that is an exact copy of the true website. The victim is often asked to click on the link and update their personal information (i.e. Social Insurance Numbers, Passwords, account numbers etc…).

Identity Theft

Identity theft is when someonse uses your personal information (name, date of birth, social insurance number, address etc…) to impersonate you. Your identity is then often used to obtain credit (mortgage, loan, credit card etc… ). The credit obtained is then often maxed out with you being left to clean up the damage.

Mail Fraud

Mail fraud can be as basic as mail theft ( stealing of bank, credit card, investments statements, cheques etc…) or can be more complex involving fake sweepstakes offers, bogus inheritance notifications, work from home scams etc…


"Skimming " is a fraud that involves a theif tampering with debit card devices. This can be either the ATM machines or the point of sale terminals. The theif installs a device that enables them to capture the magnetic stripe data from your card when you swipe. The theif will also often install a hidden camera to obtain your Personal Identification Number (PIN) when you enter it. With your magenic stripe data and your PIN the theif is then able to make a duplicate of your debit card and access your bank account.

Home Improvement Scams

Be cautious of "too good to be true" home improvement offers offers, especially if they are unsolicited by you. Fraudsters often knock on doors offering scams to repave your driveway, chimney repairs, replace your water heater, dectwork cleaning, roofing etc…

Shoulder Surfing

Shoulder surfing simply put is when a person looks over another person's shoulder as they input their computer password or Bank Card or Credit Card Personal Identification Number (PIN). Thieves use this information to gain access to your personal accounts or computer files.

Inheritance Scams

Inheritance scams usually involve an email or letter being sent to you advising that you have been left a large inheritance from a distance relative. The letter appears to look legitimate with legal looking seals or very formal looking letterhead. The letters will often be signed by someone claiming to be a lawyer, banker or government official. The scam will describe the inheritance you are entitled to and that in order to claim it you will need to send money and provide personal information to claim it.

Lottery and Sweepstakes Scams

Lottery scams can come in the form of an email, a letter or even a text message. The notification you receive will often indicate that you have money, a trip or other prize from a lottery or sweepstakes that you never entered. The information contained in the notification will appear real as they will often use the names of legitimate lotteries. The email, letter or text will advise that you have to act quickly or you could risk losing your prize. The catch is you will often be asked to pay some fees to release your winnings (they will claim these are for insurance, taxes, courier charges etc…) and they may also ask you for personal information to prove you are the correct winner and by providing this information you may be at risk to having your identity stolen.

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