the dangerous cunning of internet scams

over the holidays, i was at home in kentucky eating lunch with my family, when we got a phone call. my brother, being the most spry of us at the table, jumped up and answered the phone. my brother, also being the most patient/naive of us at the table, listened to the automated message long enough to hear that whoever just called us had put us on hold, to wait for "the next available agent." my mom immediately grabbed the phone from him and hung up. everyone at the table chided him, "when you get calls from telemarketers, just hang up!"

but, this was one of several similar calls we'd gotten this week. at another point during the holidays, we got a call from "American Express" which i thought was a telemarketing call, so i hung up, but then i remembered that credit card companies sometimes make courtesy calls when strange or suspicious spending occurs on a credit card (i'm grateful to my credit card EVERY single time this happens, even the one time it was for $70 of groceries at Safeway). so, it being the holidays, i had a twinge of concern in the back of my mind and asked if my parents had checked their credit card activity lately. my mom, being a somewhat paranoid and worrisome person, immediately checked her wallet and my dad's wallet and freaked out that one of their AmEx cards was missing. she called American Express back to talk to someone to see if something suspicious had happened on their card because one was missing. 10 minutes later, we found the card (at the bottom of a purse or briefcase) and AmEx informed us they hadn't made a call to us in the last half hour.

but, because of this earlier incident, in which a potential telemarketing scam could have also been a potential credit-related courtesy call, my mom's curiosity was more piqued than it would otherwise be, and she called the-place-that-put-us-on-hold back and asked them who they were, why they called us, and if it was such an important matter, why they put us on hold. the person on the line then continued to inform her that i owed $400+ in debt to a hospital in LA for a visit occurring nearly 2 years ago. my mom was incredulous at first, then angry, argumentative, and lastly, she asked me if i knew anything about this. i thought it was preposterous, i had a string of freak medical emergencies about 2 years ago for a work-related health injury, but i had paid all my medical bills up front, out of pocket. i also had two different sets of insurance, my own medical insurance and workers' comp. so to have an outstanding debt of this size from over two years ago, and not hear anything about it until now, seemed wildly suspicious. worse, the man on the phone threatened that the issue had to be resolved TODAY.

luckily, my mom was in a hurry to go to yoga and told him he'd have to wait, and then just hung up. we didn't hear from them again. until a week later. they sent a letter to my house, which i didn't read or see because i wasn't home when my mom got it, but it freaked her out. from what i can tell though, from her reading it to me on skype, is that there are no details regarding the visit, what services or procedures incurred the debt, or even who the doctor(s) was/were that i saw. the letter said i had 30 days to write back to dispute it, otherwise they would assume i acknowledge a debt was owed and they would pursue it.

well, this afternoon, while i was sitting in the sun enjoying a post-lunch break with some reading, i received another call. again, the man on the phone was insistent that i needed to resolve the issue today. i told him, firmly, that i would not be doing ANYTHING today, i would not admit debt, would not resolve to pay them, would not speak to them further, until i obtained written documentation from them and the hospital with more details about the supposed outstanding bills and until they could tell me specifically where the charges were coming from. they couldn't even tell me what date the visit(s) occurred. the man on the phone said he wasn't a doctor and could not provide that information. i asked to speak to his manager, was put on hold for 10 minutes, and then i hung up because i thought it was ridiculous. they called me back another ten minutes later, but left no messages when i didn't answer.

this angers me so much because what the man on the phone is telling me is that the hospital i saw in LA "sold" my and others' medical files and bills to the collection agency he represents. isn't this a violation of HIPAA and patient confidentiality acts? if some third party company does in fact have access to my information (such as address, phone number) and was sold that information, i am pretty sure i have firm grounds to sue. 

well, i looked up their number online and found that others had received similar (unwarranted) phone calls and had filed complaints, indicating some suspicious, scammy behavior. i also called my insurance and workers comp representatives right away, and received notice from them that what this company is doing is ILLEGAL. according to my workers comp agent, discussions of debt or bills directly with patients (at least as it pertains to workers comp cases) is illegal, they should always go directly to insurance first. also, i should have received fair warning of this, even if i did not pay something, rather than hearing about it suddenly two years later.

my biggest problem with this is the predatory nature in which these kinds of calls are being placed. without having to do more than mention "debt" "collection" "credit report" in one sentence, they made my parents draw their own conclusions with a lack of evidence or data and had them fearing for their financial security. they immediately feared for their ruined credit scores, having all their assets seized, legal troubles that could easily be disappeared with a quick $400 payoff. this is the scary nature of scams these days: scammers can easily get you to leap to conclusions and be under their thumb, because the economy is so scary right now, everyone's trying to stay out of debt, and everyday people feel powerless and ill-prepared to challenge even the most dubious of financial crises or disputes. my parents thoughts immediately turned to "it will be easier to pay this now while it's still early than to try to delay it and incur litigation fees or penalties." but where's the proof? also, resolving a financial dispute over the phone immediately seems very strange to me.

furthermore, scams of this nature erode our sense of security and foster paranoia - how can we distinguish between a real scam and a legitimate call from my credit card or hospital? how will i know when i actually owe money and when i'm being taken for a ride? (answer: always keep really detailed and careful records of all your medical-related bills and large purchases, always make sure you pay on time - and keep records of debt repayment - and keep a rolodex of people at each agency or organization you use services from and their customer service lines. NEVER take anyone's word for it that you owe money and didn't know about it).

if you are similarly the victim of dubious medical bill-related calls, here is what you should do: tell them they should contact your insurance (but DO NOT provide any insurance phone numbers or plan data) and if they contact you further tell them their actions are illegal and you will report them to an accountability agency. then see if you can have their numbers blocked from your phone.

the point of this post is: in today's increasingly confusing and difficult to navigate digital world, information and misinformation are equally abundant and equally dangerous. scammers know that a lot of people are paranoid right now about issues related to money, and many don't know how to differentiate between legitimate companies and scams (for example: my dad opened a spam email from "Amazon" telling him my brother had purchased a $500 laptop computer, and then forwarded it to my whole family asking who bought the computer, before i told him to delete it immediately and not click any of the links because it was spam. you don't see a lot of "Nigerian prince" emails any more, all the spam is masked as notifications from companies you actually use - Viagara and Rolex being perhaps exceptions to the rule).

the town that doesn't read

...breeds really myopic people.

i currently live in Fremont, CA. i don't love it. i've only lived here 5.5 months, but as a kid, my family and i would visit our family in the Bay Area and we'd stay at my aunt's house in Fremont. in my encounters and experiences with Fremont denizens, i've come to realize the people here are... how should i put this... not intellectually inclined.

it's a difficult thing to explain, since i risk coming across as mean and supremely judgmental, but here it is anyway: Fremont ("Freak-mont" as my cousin from LA likes to call it) is extremely superficial in a way that ought to put LA to shame (that utterance in itself is pretty damning). while LA proved to be a pleasant blend of Midwestern/East Coast transplants, outdoor enthusiasts, intellectuals, activists and community advocates, the extremely poor and the extremely wealthy, the deluded and the jaded and the absolutely crazy, Fremont is predominantly one type of person: privileged. not only privileged, but delusionally privileged, self-importantly privileged, unmercifully privileged, ignorantly privileged. and if there's one thing i can't stand, it's privilege without any responsibility.

the problem with this kind of community is that privilege, and all the trappings of extravagant wealth, are normalized. everyone works at their tech industry job from 9-7, drives their BMW/Mercedes/Lexus to work out at their designer gyms, has dinner at one of many restaurants in the area, and goes home to their mini-mansions and their loveless sexless family lives with their spouse and 2.5 kids. the kids i've encountered who grow up here are terrifying: pre-teens carry Chanel purses and follow their mommies around at the mall, families have Sunday dinner at a restaurant, everyone staring blankly into the gentle glow of a smart phone or iPad. the children all seemed perfectly primed and ready to take their parents' places as the future CEOs and CFOs of america. i can ask my cousins how much a house or luxury car costs and they'll provide an answer in an instant, and with a little disdain for my ignorance, but when i probe them instead for information on the UC budget crisis, their eyes glaze over like robots that didn't understand the command, then shrug it off like it's not important and thus not worth knowing. for further comparison: a few weeks ago, i rode my bike out to the annual Arts and Culture fair to volunteer with a local environmental advocacy organization. my cousin, on the other hand, spent the day charging visitors to the fair $6 to park their car in the parking lot he co-opted with his friends. his parents openly lauded his entrepreneurial spirit, as they explained to me it's one of his most cherished "traditions." what a good capitalist!

comparing my upbringing with theirs makes me so glad my parents chose to be the "rebels" in the family and raise my brother and i in the midwest, while they both worked for a state university. i grew up reaping the benefits of the state and having a deep respect for public programs and institutions. i grew up valuing education and community service, rather than making money, and that has led me to take my undergraduate research very seriously, led me to teach special ed for two years in an underserved community, get a Master's, and now i plan to further my education and get an MPA from one of the best schools in the country so i can research and implement more progressive policies that protect the environment, reduce wealth disparities, and repair public programs so they better serve their communities. my relatives, on the other hand, balk at the mention of higher ed, none of them having gone past a Bachelor's degree in anything. their favorite way to spend their free time is watching tv, surfing the net, playing computer games, and finding additional ways of making money (day-trading, gambling, buying foreclosed houses and upselling them).

i'm always fascinated at the ways in which we choose lives for ourselves, how we carve our identities with chance and choice. being able to understand the story of your life and how you arrived at your convictions and passions is something i think about often, especially when i'm surrounded by so many people who i feel so different and disconnected from.

and, to tie it all up and to return to the reason i started writing in the first place: the reason i am so unhappy here in Fremont can be summed up in one poignant point: they don't read here. in my entire life, i've never known a public library that only opened one day a week from 10 to 5. that is the library closest to me, and it's holding my requested reading list hostage because i can't find time to go during their hours. the whole library system here is messed up and underfunded, understaffed, and underserving the community, you just need to view their hours to get a sense of how many children in the Silicon Valley area are not getting full access to the free literature they should. even more amazing, is that there are also no bookstores in the area to supplement this lack. i searched all of Fremont and neighboring cities to find a viable bookstore and only found one: a Half Price Books (the rest consisted of an adult bookstore, Islamic bookstore and a Zion Christian bookstore). it saddens me to think the nearest bookstore is a going-out-of-business Borders 24 miles away.

avocado couch

i opened an etsy account the other day, because of recently developed aspirations to start crafting from home instead of working a 9-5 job (this is because, more than likely, i will no longer have my teaching position at school next year due to budget cuts, and due to a lack of interest in devoting myself full-time to graduate school, will most likely be living at home, not “at home” as in with my parents (not that there's anything wrong with that b/c my parents are exceedingly lovely ppl), but in a home, that is, a dwelling-place, or, what i imagine to be just one large room with carpet and a window (because that's all i need), so, anywhere really).

ANYWAY! the etsy shop i opened is called Avocado Couch, and when/if it opens, will probably specialize in random things made of felt, hand-bound books, t-shirts with strange animal pictures on them, stationery, and who knows what else. i think mostly i just want to stay at home (/”inside”) and sit on the carpet, and cut paper with knives and sew things. that would be nice.

this will be my banner!

-stephan!e

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!edit! i just realized that etsy requires a registration fee, and considering i have no start up money to speak of, no "products" to sell (yet), and no customers (yet! haha, i kid!), it seems unwise to pay a website for services i could more or less undertake myself. so! for now, or, in the future when this finally comes to fruition, i can post things i make on this website you are currently staring at and taking the time to read (thank you!) and i'll include my contact info and we can hassle each other over prices and all that performative business-talking bullcrap on the phone or via email. really, it would just be so wonderful to have little creations of mine wandering around out there. that's what i'm really in it for, not the money, or the fame, i just want to make things. livin' the dream y'all!