©2025 News Journos. All rights reserved.

A concerning new scam, known as “ghost tapping,” is gaining traction across the United States. According to the Better Business Bureau (BBB), this tactic targets individuals using tap-to-pay credit cards and mobile wallets, allowing scammers to withdraw money without the victims’ knowledge. Many individuals only become aware of the fraud after their bank accounts exhibit unexplained, minor deductions that accumulate over time.

How the ghost-tapping scam works

The ghost-tapping scam primarily operates through the misuse of near-field communication (NFC) technology, which allows devices to communicate wirelessly over short distances. Scammers typically employ portable NFC devices designed to mimic legitimate tap-to-pay systems, enabling them to steal funds from unsuspecting users when they are in close proximity. This tactic is especially prevalent in crowded, bustling environments such as festivals, public markets, and public transportation hubs.

Many scammers position themselves as vendors or charity representatives, insisting on only accepting contactless payments. Once a victim taps their card or mobile wallet, the scammer charges them a significantly inflated amount without their consent. Since the initial withdrawals are often small, these transactions frequently go unnoticed, and victims may not realize something is amiss until substantial funds have been drained from their accounts.

Real-life cases and warnings

Several real-world incidents exemplify the dangers of the ghost-tapping scam. One case involved a resident of Missouri who lost $100 after being approached by an individual holding a handheld card reader under the guise of conducting a legitimate sale. Reports gathered by the BBB Scam Tracker indicate that many victims have lost amounts exceeding $1,000 as a result of these fraudulent activities. Officials urge caution, as perpetrators often attempt to pressure individuals into completing transactions swiftly, leaving no time for verification of the transaction details.

Furthermore, some scammers utilize portable card readers capable of picking up signals from wallets or purses, even when these items are not directly accessible. This deeply concerning trend showcases the need for increased public awareness regarding the vulnerability of tap-to-pay technology.

How to protect yourself from ghost tapping

While the ghost-tapping scam presents a significant threat, individuals can take proactive measures to safeguard their finances. Implementing a few protective habits and utilizing security tools can significantly reduce the likelihood of becoming a victim.

1) Use RFID-blocking technology

Investing in an RFID-blocking wallet or card sleeve can serve as an effective line of defense against ghost tapping. These items block signals emitted from contactless cards, thereby preventing unauthorized access to your financial information. Look for products specifically designed to shield against wireless communication.

2) Verify before you tap

Always double-check the merchant name and transaction amount displayed on the payment terminal before initiating any tap-to-pay transaction. Pay close attention, as scammers often rush consumers to prevent them from scrutinizing the details. If any discrepancies arise, immediately cancel the transaction.

3) Set up instant alerts

Enabling instant transaction alerts from your banking institution can provide an essential layer of security. These alerts notify you in real time whenever a payment is authorized, giving you an opportunity to identify any unauthorized actions swiftly. Early detection can be vital in preventing further losses.

Additionally, utilizing services that monitor your personal information for potential breaches can help protect against identity theft. These services can alert you instantly if your data appears on the dark web or in other known fraud marketplaces.

4) Be cautious in crowded areas

Scammers thrive in crowded environments, such as concerts or busy marketplaces, where anonymity is easier to maintain. Limiting your use of tap-to-pay options in these situations can mitigate risks. Opt for chip or swipe payment methods that involve direct contact, making it harder for scammers to exploit.

5) Monitor your accounts regularly

Creating a habit of monitoring your financial accounts weekly is crucial. Assess each transaction closely and report any unfamiliar activities to your financial institution right away. Even minor discrepancies could be red flags indicating more extensive issues.

6) Use payment app security features

Most mobile wallet applications come equipped with security features like PINs, facial recognition, or fingerprint authentication. Ensuring these options are enabled provides an additional authentication layer, preventing unauthorized payments from being executed.

7) Keep your payment apps and devices updated

Regular updates for your mobile device and payment applications are critical for maintaining security. Often, these updates contain essential patches that address newly discovered vulnerabilities that could be exploited by malicious users. Outdated software is an easy target for fraudsters.

8) Avoid saving multiple cards on mobile wallets

While mobile wallets offer convenience, storing numerous cards in one app heightens the risk if your device is compromised. To mitigate this, only link the cards you utilize frequently, reducing potential exposure if fraudulent activity occurs.

9) Report suspicious activity promptly

If you suspect ghost tapping or encounter an unexpected charge, it’s vital to act quickly. Reach out to your financial institution immediately and document the incident by reporting it to the BBB Scam Tracker. Swift action can mitigate further losses and assist authorities in tracking prevailing scam patterns.

Best practices for safer transactions

As contactless payment methods continue to rise in popularity, the duplicitous tactics of scammers are becoming more sophisticated. Being informed and exercising caution can significantly help safeguard your finances. Simple actions, such as diligently reviewing your transaction history and employing protective gear, make a tremendous difference in preventing fraud.

In cases of unauthorized charges, it’s essential to contact your banking institution without delay and freeze your card if necessary. Reporting the scam to the BBB Scam Tracker aids in tracking problematic behaviors that can lead to enhanced protection for others. While technology allows for convenience, it can also introduce new risks, as demonstrated by the prevalence of ghost tapping.

Summary

The ghost-tapping scam represents a growing threat as contactless payment technologies gain prevalence. By understanding the nature of this scam and implementing effective protective measures, individuals can reduce their risk of falling victim. Public awareness, operational vigilance, and proactive communication with financial institutions are essential for maintaining security in an increasingly cashless society. Awareness and education remain paramount as consumers navigate the emerging landscape of digital transactions.

Frequently Asked Questions

Question: What is ghost tapping?

Ghost tapping is a scam that involves unauthorized transactions made from contactless payment systems, often occurring when scammers use portable devices to mimic legitimate payment methods.

Question: How can I protect myself from ghost tapping?

To safeguard against ghost tapping, use RFID-blocking technology, verify transaction details, regularly monitor your financial accounts, and set up instant transaction alerts.

Question: What should I do if I suspect fraudulent activity on my account?

If you notice suspected fraudulent activity, immediately contact your financial institution to report the transaction and consider freezing your card. Document the incident with the BBB Scam Tracker for additional support.

©2025 News Journos. All rights reserved.

In a recent legal development surrounding the Aziz İhsan Aktaş criminal organization, serious allegations of bribery have emerged involving prominent figures in the Beşiktaş Municipality. The indictment claims that Beşiktaş Mayor Rıza Akpolat received illicit funds from multiple businesses, as confirmed by the testimonies of key witnesses, including the municipality’s private secretary and deputy mayor. Despite the gravity of the accusations, the prosecution’s response has raised questions about the integrity of the investigation and the fate of those implicated.

Allegations of Bribery Surface

The indictment against the criminal organization led by Aziz İhsan Aktaş has brought to light serious allegations against high-profile officials within the Beşiktaş Municipality. Key individuals, including Beşiktaş Deputy Mayor Ozan İş and Private Secretary Emirhan Akçadağ, have claimed that Mayor Rıza Akpolat accepted bribes from multiple businesses in exchange for favorable actions or contracts. Testimonies from both Akçadağ and İş during their statements to the Istanbul Chief Public Prosecutor’s Office corroborated each other, naming various companies tied to significant bribe amounts, including well-known firms like Özak Gayrimenkul, Mandarin Hotel, and Four Seasons Hotel. The bribes are alleged to total millions of Turkish lira and dollars, highlighting the potential depth of corruption within municipal operations.

Dubious Prosecutorial Actions

What remains particularly concerning is the prosecutor’s office’s actions following the allegations. According to the indictment, there was a shocking lack of investigatory responses to the accusations leveled against Mayor Akpolat. From the time the serious charges were announced on August 6 until the indictment was finalized on October 20, no inquiries were made to verify the claims. This oversight raises troubling questions about the integrity of the legal process and the standards of accountability being upheld by law enforcement. The failure to question the accused or those named in bribes has resulted in serious implications for the credibility of the legal proceedings.

The Criminal Organization’s Landscape

The allegations describe a sophisticated criminal organization that extends its influence through various channels. Aziz İhsan Aktaş has been characterized as the leader of this organization, which allegedly exploited connections with over 99 members of the ruling AKP party, numerous MHP members, and several public institutions. In the indictment, Aktaş is referred to as leading a “soft/hard transition organization,” although presented as having a dispersed structure, suggesting layers of anonymity that hide coordinated criminal activities. These assertions significantly underscore the operational reach of Aktaş, revealing a web of corruption that stretches across various government levels, although it seems that accusations against other political affiliations were notably absent.

Implications of Aktaş’s Release

Despite the serious claims against him, Aktaş was not detained and is able to walk free while legal proceedings unfold against him. Legal experts express concern, noting that no arrest warrants were issued even as prosecutors sought a lengthy sentence of 704 years for his corruption-related charges. The apparent contradiction between the severity of the accusations and the absence of preventive detention raises doubts about the decision-making of authorities involved in the case. Critics argue that allowing Aktaş to remain free poses a risk of flight, particularly given the devastating legal repercussions he faces. In the eyes of many, the disparity highlights systemic flaws that allow influential figures to evade significant repercussions.

Public Response and Future Steps

Public sentiment surrounding these allegations has been marked by outrage and skepticism. Citizens are demanding transparency in how the investigation has been handled while questioning the integrity of officials involved. Many are already calling for an independent inquiry, suggesting that the current prosecutor’s office may be insufficiently independent to handle allegations of this magnitude, especially given the political implications. Activists and opposition parties are urging for legal reforms to ensure more robust accountability in public service, emphasizing the need to ensure that all individuals involved, regardless of political ties, face appropriate scrutiny for their actions. The outcomes of ongoing investigations will likely have a significant impact on public trust in local government.

Summary

The unfolding legal saga surrounding the Aziz İhsan Aktaş criminal organization emphasizes alarming allegations of corruption that have reached deep into local government structures. With serious claims against Beşiktaş Mayor Rıza Akpolat, the lack of thorough investigatory actions by prosecutors casts doubt on the accountability mechanisms in place. As public interest grows and calls for reform intensify, the implications of this case will likely resonate far beyond the courtroom, impacting community trust and governmental integrity.

Frequently Asked Questions

Question: What are the main allegations against Beşiktaş Mayor Rıza Akpolat?

The main allegations are that Mayor Rıza Akpolat accepted bribes from multiple businesses to secure contracts and favorable treatment.

Question: Who testified against Akpolat in the investigation?

Both the private secretary, Emirhan Akçadağ, and Deputy Mayor Ozan İş testified against Akpolat, providing detailed accounts of alleged bribes.

Question: What actions, if any, have been taken against the individuals accused of bribery?

Despite the allegations, there has been little action taken against those accused of bribery. The prosecutor’s office did not further investigate the claims before the indictment was filed.

©2025 News Journos. All rights reserved.

The U.S. Treasury Department and the Department of Government Efficiency (DOGE) have unveiled significant findings related to improper payment requests following the launch of an automated payment system. In a recent announcement, officials revealed that an astounding $334 million in requests were flagged due to missing or invalid budget codes. This revelation comes amidst DOGE’s broader efforts to enhance transparency and accountability in government spending, led by billionaire Elon Musk.

Background of the Automated Payment System Launch

The U.S. Treasury Department, in collaboration with DOGE, launched an automated payment system aimed at streamlining financial transactions within government agencies. This new technology was designed to minimize errors, cut inefficiencies, and enhance overall transparency. The initiative followed rising concerns over taxpayer money being mismanaged or lost due to outdated financial processes. In an era where public trust in governmental financial practices is crucial, the launch marked a significant milestone in efforts to reform how government payments are processed.

Developed under the guidance of leading technologists and financial administrators, the system operates by automatically checking payment requests against established budget codes. The primary objective is to prevent improper payments before they are processed. Stakeholders have expressed optimism about the system’s long-term potential, hoping it could eventually save significant taxpayer dollars and provide better visibility into government spending.

Improper Payments Identified and Their Implications

The first critical outcome of the new system was the identification of $334 million in improper payment requests. This amount was flagged for various reasons, including the presence of missing budget codes, invalid codes, and codes lacking authorization. These improper requests raise alarm bells regarding the potential for fraud and the inefficient allocation of taxpayer resources.

Debates surrounding government accountability are not new, but such substantial findings have reignited discussions about the need for enhanced oversight mechanisms. The implications of these discoveries are significant for budgetary policymakers, requiring them to rethink operational protocols and control measures to mitigate such occurrences in the future. With Elon Musk at the helm, DOGE has been vocal about its commitment to tackling inefficiencies and ensuring rigorous financial oversight.

Understanding the Treasury Access Symbol (TAS)

Central to the findings is the Treasury Access Symbol (TAS), an identification code linking U.S. Treasury payments to specific budget line items. Previously, this field was optional for around $4.7 trillion in payments, leading to challenges in tracking and managing financial transactions effectively. The lack of compulsory TAS usage made it nearly impossible to trace how government money was allocated and spent.

In February, DOGE emphasized the need for this identification code, stating that with its optional status, it often went unfilled, further complicating auditing processes. The recent transformation mandating the TAS field as a requirement aims to elevate transparency in federal government payments and improve oversight. By implementing such measures, DOGE hopes that taxpayers will gain greater insight into where their money is going and how it is being utilized within the government budget.

DOGE’s Focus on Waste Reduction

DOGE has consistently emphasized its mission to identify and eradicate wasteful spending across all levels of the government. Recent announcements have highlighted successes in discovering savings totaling $160 billion, translating to approximately $993.70 for each taxpayer. These achievements align with the organization’s overarching goal of creating a more efficient government.

This dedication to tackling waste has unveiled opportunities for the government to operate on leaner budgets while ensuring essential services remain intact. By reducing unnecessary expenditures, officials hope to reflect a more responsible approach to government spending, fostering renewed confidence among taxpayers. DOGE has launched various initiatives aimed at scrutinizing contracts and payment processes to spotlight areas warranting reform.

Future Steps and Government Accountability Measures

Moving forward, the government plans to further enhance the automated payment system, incorporating additional safeguards to prevent improper payments. Continuous monitoring and frequent updates will be vital to ensuring that the problem of invalid budget codes does not resurface. Officials are committed to working hand-in-hand with technologists and financial experts to adapt the system to changing requirements and bolster its effectiveness.

In addition, ongoing training and communication with government employees involved in the payment process are crucial to maintaining compliance with the new requirements. Regular audits and evaluations of the system will be conducted to identify any emerging challenges and opportunities for refinement. Through these proactive measures, the government aims to establish a transparent ecosystem in which taxpayer money is managed wisely and responsibly.

Summary

The recent discovery of improper payment requests by DOGE underscores the importance of accountability and transparency within government financial processes. The launch of an automated payment system provides a promising avenue for addressing inefficiencies and preventing wasteful spending. As government agencies adapt to these new standards, the potential for improved financial governance signals a positive shift toward more responsible management of taxpayer resources.

Frequently Asked Questions

Question: What prompted the launch of the automated payment system?

The automated payment system was developed in response to rising concerns about inefficiencies in government financial processes and the mismanagement of taxpayer funds.

Question: How does the Treasury Access Symbol (TAS) impact payment processing?

The TAS serves as an identification code linking payments to specific budget line items, enhancing tracking and accountability within government financial management.

Question: What are DOGE’s broader goals beyond identifying improper payments?

DOGE aims to reduce overall wasteful spending within the government and improve efficiency in public finance, ultimately fostering greater trust among taxpayers.

©2025 News Journos. All rights reserved.

©2025 News Journos. All rights reserved.

©2025 News Journos. All rights reserved.

Amidst the ongoing challenges faced by patients with sickle cell disease, the recent approval and rollout of innovative gene therapies represent a beacon of hope for many families. One such patient, Deshawn “DJ” Chow, has become a symbol of this evolving treatment landscape following his successful therapy at the City of Hope Children’s Cancer Center in Los Angeles. However, while the therapies offer transformative potential, several hurdles remain regarding accessibility, costs, and insurance coverage which could hinder widespread rollout and impact many who are eligible for treatment.

DJ Chow’s Journey with Sickle Cell Disease

Growing up with sickle cell disease, Deshawn “DJ” Chow faced numerous challenges during his early teenage years. Characterized by severe pain episodes, the condition often left him unable to attend school and frequently requiring hospitalization. Reflecting on his past, he stated,

“It’s just been hard skipping school and always being in and out of the hospital.”

As a vibrant 19-year-old, DJ’s hopes for a typical young adult life appeared diminished due to the relentless pain associated with his illness.

The situation changed dramatically in January of the previous year when the Food and Drug Administration (FDA) approved new gene therapies specifically designed for sickle cell disease. These breakthroughs suggested a promising pathway for treating this genetic blood disorder, which alters the shape of red blood cells and predominantly affects African American communities.

Following this breakthrough, DJ’s adopted parents took action, seeking treatment for him at the City of Hope Children’s Cancer Center. “To our relief, the center accepted him as a patient,” noted DJ’s father, Sean Chow. As a result, DJ began receiving treatments that hold the potential to alleviate his chronic pains and significantly improve his quality of life.

The Challenges of Treating Sickle Cell Disease

Despite the availability of new therapies, the transition to widespread treatment has proven to be gradual. Currently, over 100,000 Americans are diagnosed with sickle cell disease, with younger patients who have not yet suffered organ damage identified as the best candidates for therapy. However, the capacity to treat all eligible patients has not kept pace with the demand. In its inaugural year since approval, merely over 100 patients have received treatment across the country.

Executives at Vertex Pharmaceuticals, the company responsible for developing one of the gene therapies known as Casgevy, recently reported that approximately 50 patients had undergone initial procedures by the end of last year. Furthermore, its competitor, Bluebird Bio, shared that nearly 60 individuals had begun treatment with their own product, Lyfgenia, which is also priced at more than $3 million per patient. The slow uptake prompts concern among both healthcare providers and patients, as instantaneous improvements in treatment availability remain elusive.

Administrative processes pertaining to insurance approval further complicate the challenge. As Jennifer Cameron, executive director of patient access at Children’s National Hospital, stated, “It is much smoother today than it was when we first started getting patients in,” highlighting that initial hurdles with insurers have improved but remain a barrier for many.

Navigating Insurance and Financial Barriers

The exorbitant cost of sickle cell gene therapy raises significant concerns, particularly regarding insurance coverage. For many patients and their families, understanding the intricacies of health insurance plans can be a daunting task. As Dr. Leo Wang, a pediatric hematologist-oncologist who treated DJ, pointed out, “The challenges for the health care system are immense. This is a very expensive therapy.” The financial implications can place substantial strain on family budgets, primarily when employer-sponsored insurance plans may be ill-equipped to manage such high expenses.

Nevertheless, patients like DJ have experienced some positive developments with their insurance coverage. “They’re covering pretty much all of this at almost no cost out of pocket for us,” Sean Chow expressed, highlighting the importance of employer-supported health benefits in accessing advanced therapies. However, these access patterns may not be universal, with other families facing resistance or denial from their insurers.

To alleviate some of the financial burdens, healthcare analysts advocate for the development of innovative payment models that can facilitate broader access to these medications without impeding provider financial viability. David Joyner, CEO of CVS Health, indicated that new risk pools are emerging at both state and corporate levels to absorb the financial weight of expensive therapies more equitably.

The Role of Medicaid in Accessing Treatments

For many on Medicaid, affordability presents an even greater barrier to receiving sickle cell treatments. With more than half of the affected patients relying on government health insurance, the implications of coverage and cost-taking become particularly crucial. A study from researchers at the University of Chicago identified southern states, such as Georgia and Florida, as having a high concentration of sickle cell patients, further highlighting the pressing need for effective solutions for this population.

In an effort to tackle these challenges, the Biden administration initiated a Cell and Gene Therapy payment model through the Centers for Medicare and Medicaid Services (CMS). This model offers states a discounted price based on treatment outcomes and supplies partial funding for the new drugs. The timeline for states to enroll in this program runs through the end of February, with initial federal grants anticipated by June.

Nevertheless, even with these innovative financial strategies, the projected costs remain daunting. Research estimates reveal that the ten states with the largest sickle cell populations could see budget impacts averaging around $30 million, depending on initial pricing mechanisms. The timing coincides with ongoing federal spending cuts, which raises concerns regarding how these programs will function under tighter budgets.

Looking to the Future of Sickle Cell Treatments

As new therapies continue to emerge, patients and families remain hopeful for a future where accessibility to treatments becomes less burdensome. Sean Chow, DJ’s father, expressed gratitude towards gene therapy researchers, emphasizing the need for continued advocacy to ensure all families can access these critical treatments. He reflects candidly, “Having a child with sickle cell has been heartbreaking.” His hope is that as advancements in therapies occur, prices will gradually become more manageable.

With the healthcare industry evolving to consider new payment models and federal initiatives pushing for affordable access to life-saving treatments, there remains optimism in the sickle cell community. In time, more patients may experience the transformative effects of gene therapy, allowing them to lead more fulfilling lives devoid of debilitating pain that has historically defined their experiences.

The path may not be straightforward, but the concerted efforts of healthcare providers, patient advocates, and policymakers indicate a gradual shift towards improved healthcare access for those at risk of sickle cell disease complications.

Summary

The groundbreaking advancements in gene therapy represent a significant leap forward for the treatment possibilities for individuals afflicted with sickle cell disease. While patients like DJ Chow are beginning to experience the life-changing potential of these therapies, systemic challenges still exist regarding treatment accessibility, affordability, and insurance coverage. As the healthcare industry adapts to these realities, there remains cautious optimism that future developments will deliver equitable healthcare solutions for all individuals impacted by this debilitating condition.

Frequently Asked Questions

Question: What is sickle cell disease?

Sickle cell disease is a genetic blood disorder where red blood cells are misshapen, leading to severe pain episodes, potential organ damage, and frequent hospitalizations.

Question: What are gene therapies for sickle cell disease?

Gene therapies for sickle cell disease are advanced treatments that aim to correct the genetic defects causing the disorder, potentially eliminating the symptoms and need for ongoing medical care.

Question: How can patients access these new treatments?

Access to the new sickle cell treatments typically involves coordination with healthcare providers and insurance companies, primarily through specialized treatment centers able to handle the complexities of coverage and costs.

©2025 News Journos. All rights reserved.