09.30.26 Financial Scam Prevention / Travel Updates

Alert: Bank Imposter Scam Draining Life Savings & Shocking Truth About Travel Costs Right Now Clark exposes a dangerous financial scam that is draining people’s entire life savings and explains why your protections might not apply if you fall for it. Financial imposter scams are becoming sharper and more sophisticated. Clark shares the single mandatory step you must take whenever you receive an urgent alert from a fraud department to keep your hard-earned money safe. Plus, if you're planning a vacation, Clark reveals why shoulder season travel savings have practically vanished this year and what's really driving up the cost of your next trip. From soaring fuel prices to weakening dollar values, cruise lines and airlines are feeling the pinch and passing the expenses on to you. Learn where you can still find genuine travel deals if you’re willing to shift your strategy on the calendar. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 30, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Saving Your Life’s Savings: Segment 1 Ask Clark: Segment 2 Travel Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Warning: A Devastating Bank Impersonation Scam Is Draining Life Savings in Minutes These Are the Biggest Scams That Cost Seniors the Most Money This type of scam cost Americans half a BILLION dollars last year Why Now Is the Best Time To Buy a New Mattress — With One Major Catch The Best Place To Buy a Mattress - Clark Howard If ‘fall is really the new summer,’ are there any autumn travel deals left? International eSIM: The Best Way to Stay Connected | GigSky eSIM for Cruise Ships: Stay Connected at Sea 5 Steps To Getting a Good Deal on a Hotel Room - Clark Howard The Safe Way to Reshop Your Travel Deals and Save Hundreds Clark.com resources: Episode transcripts / Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Best Free Streaming Services in 2026: Movies and TV for Cord Cutters The Best Phone Plan For You - Compare Phone Plans - Clark Howard What Credit Card Should I Get - Clark Howard Learn more about your ad choices. Visit megaphone.fm/adchoices

• 0:00Speaker 00

  This holiday, all plans, even unlimited, are just $15 a month. A holiday deal this good obviously deserves an enormously expensive holiday song like All I Want [bleep]. Right. Okay, we can't afford that. You know what? Forget the music budget. We're gonna stick with whatever's in the public domain. Give it a try at mintmobile.com/switch.

• 0:18Speaker 01

  Upfront payment of $45 for three months, $90 for six months, or $180 for 12-month plan required. $15 per month equivalent, taxes and fees extra. New customer offer for initial plan term only. Greater than 50GB may slow when network is busy. See terms.

• 0:30Speaker 02

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• 1:03Speaker 03

  It's my pleasure to welcome you here to the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. When you're trying to make a financial decision, I hope you'll take advantage of our free tools at Clark.com. We have a streaming tool to help you find the cheapest service that gives you the channels you want, a cell phone plan finder tool that will save you a fortune, and a credit card finder tool. Because most people pick credit cards based on who's soliciting you.

• 1:42Speaker 03

  It's better you decide what card is truly the best for your situation, your wallet. And I'm so proud of the team we have at Clark.com that so deeply researches topics and writes information to let you make the best-informed decision you can in your life. We are unbought and unbossed. In fact, I'd say the boss we have is you. Today, I'm gonna begin with a scary, scary warning about a woman who had her entire life savings drained in just minutes.

• 2:27Speaker 03

  And then later, on a happier note, I want to talk about travel opportunities that are out there that you need to know about. So let's go to just a terribly sad story that's being washed, rinsed, repeat over and over and over again. People are now using technology to con people into thinking there's a problem with their accounts when there's not, scamming people. There was a story that an ABC television affiliate did in the San Francisco Bay area

• 3:06Speaker 03

  about a Bay Area woman who lost all her life savings that she had invested with Charles Schwab. And how did it happen? This story, we're hearing different wrinkles of over and over again involving banks, credit unions, and brokerages, where someone gets notified by security at the bank or brokerage or credit union that there has been a data leak, security leak about their account, or there's activity on their account.

• 3:45Speaker 03

  The MO changes a little bit, but the core of it is where you're being notified by a bank or brokerage or a credit union employee that there's a problem with a thief trying to get at your money. And what they're doing is they're actually predicting the future because they are the thief. They are the thief. Here's the thing. You are protected from theft of funds from your account at a bank or credit union. It's a little fuzzier with the brokerages, the investment community, but most organizations,

• 4:27Speaker 03

  if just out of the blue, you're not even aware of it, somebody comes in and is able to hack into your account and steal your money, then, in theory, you are to be protected, again, under the law with banks and credit unions and under company policy usually published with the various financial houses, the brokerages, even though the law doesn't clearly require it. But this is the gray area where there is no protection, and it's where someone impersonates the financial institution. The caller ID on your phone will pop up as Charles Schwab, in the case of this story

• 5:12Speaker 03

  that the ABC affiliate did, with whatever organization you bank with, credit union with, invest with. The caller ID will look like it's from there. You may even see a spoof text coming from a known number at a financial institution. The thing is, the criminals are so practiced at creating a sense of urgency, your money's at risk right now, we need you to take these steps. And so often, what they are is from prior breaches that have happened. You know, we get these notices of various breaches from time to time of all different

• 5:55Speaker 03

  organizations, credit bureaus, whoever else. The thieves already know so much about you. And so they impersonate the financial institution, tell you about the threat, they already know your accounts, then they tell you, they're gonna send you a code, and you just need to give them that code. All they need, in many cases, is that two-factor authentication code. And then, before you even realize what's happened, they have swept the money out of your account, wherever it is. So here's the thing. The financial institutions say, because you were a participant in it, the fraud protections

• 6:39Speaker 03

  don't apply. Know this. When you are contacted out of the blue by somebody claiming to be with the fraud department of any financial institution, say, "Thank you so much for the alert," and you hang up the phone. Period. You do not engage with that individual contacting you, however they contact you, text, email, phone calls, social media, whatever. Do not engage with them. If you get an alert like that, you go online, sign into your account, look at the number to contact, make sure you're contacting the right number for the fraud department of

• 7:19Speaker 03

  that institution, and you will find out, virtually 100% of the time, there's nothing wrong with your account, that this was just a criminal trying to engage in account takeover fraud. Period. And at that point, you need to put defenses into place. You change your username and password for whatever that institution is, and you need to do a sweep of your various accounts and think through, which ones am I using common username and password for? You should change those as well. Remember, the criminal's already been busy backgrounding you. They didn't just pop up out of the blue. They've done their homework.

• 8:02Speaker 03

  You need to know that this was just the first attempt to get at your money, and you need to take the steps forward to protect yourself. But the most important thing, never engage with somebody calling you supposedly from the fraud department of any institution you do business with, even if caller ID says they're from that institution. Period.

• 8:27Speaker 04

  Okay, this is a tough one. Olivia in Kentucky says, "I'm 22 years old and started my first job at a small company. Three weeks into my job, I received an email from someone impersonating the owner requesting my cell in case she needed me to run some errands. She said she might text from the second cell when she asked for something. The next day, I was off and I received a text from someone impersonating the owner asking if I had time to run errands. Then she stated she needed me to pick up some gift cards for some employee appreciation. I used my mom's credit card that I'm authorized on, thinking I would expense the cards the next day. $8,600 later, when I got home, my mom asked if I was sure that that was the owner's cell phone number.

• 9:12Speaker 04

  I said yes, thinking she had told me in my work email she had a second number. I went back and reviewed the email and realized the email address was not from inside the company. I had been scammed."

• 9:23Speaker 03

  I am so sorry. Oh, my goodness.

• 9:26Speaker 04

  I reported it to the bank, to the two banks. They have created a fraud case. It was reported the same day it happened while charges were pending. I called the police and I reported to FTC. I called the gift card companies and reported fraud so they would freeze the three that weren't emptied. I reported to my company in case their security was at risk. I have a bad feeling I'm not going to get my and my parents' money restored. The pending transaction's posted three days later. I have created a dispute. What else can I do? Will I have to escalate if they don't restore us, and how?

• 10:01Speaker 03

  Olivia, this is absolutely horrific. 22 years old, first job, small business, you're trying to show get up and go, get contacted on a day off by what you think is the boss. You want to make that good impression. This is as ugly a life lesson as someone can get.

• 10:28Speaker 03

  The odds that you will be able to get any of that money restored are not good. They're sadly very low. And I'm going to think about this and see if there's anything other than what you've already done that we can get back with you about. But I'm concerned that your worst fears sadly are going to be realized. This money is taking a one-way trip. If there's anything I can say to you, that you don't know how many people you've helped who are going to know to verify so thoroughly.

• 11:07Speaker 03

  And then we've talked about the, the voice cloning through AI where you could get a call from what you recognize to be the boss's voice. And it won't even be the boss calling you. This is one of those things that email, phone calls, all these things create a risk. And when you're asked to do something out of the ordinary, you want to verify face to face whenever possible, rather than take a verbal instruction. In this case, yeah, this was a verbal instruction through.

• 11:44Speaker 04

  And there was an email.

• 11:46Speaker 03

  A burner, yeah, through a burner cellphone number.

• 11:49Speaker 04

  But first, a fake email. I wonder if the criminal watched her LinkedIn or something and saw that she got a new job, looked up the company owner's name. I mean, who knows? It's terrible. But a lot of people fall for things like this and it is a very hard life lesson, but I think you probably did help other people.

• 12:06Speaker 03

  And Olivia, again, I'm going to keep thinking to see if there's some other step I can suggest. And anything we hear from anybody who works in the banking security business or credit card security, suggestions you think we should be making to people with these frauds being so rampant, that you've never heard me say, I'd appreciate that as well. And Olivia, you absolutely have my sympathy. I don't know that you can do anything beyond what you've done to this point.

• 12:41Speaker 04

  Okay. Fred in Minnesota says, Clark, we keep putting off buying mattresses and we are long overdue. My son needs a new one and my wife and I would like a new one. I don't know why it stresses me out. I mean, we do spend a lot of our time sleeping, so I feel like it's important to invest in, but it also seems kind of expensive to make a bad choice. So my question is, where does Clark buy his mattresses? Don't tell me all the places I should check out. Just tell me where you got your last one. Sleepless in Minnesota.

• 13:11Speaker 03

  Okay, Sleepless in Minnesota, Fred. You got one guess where we bought our last mattress.

• 13:19Speaker 04

  Ding, ding, ding. Costco.

• 13:22Speaker 03

  Yeah, because you have a right to return for a full refund. And that's the thing, any sleep right guarantee that just says, oh, well, we'll give you a store credit towards something else, something like that, that's not useful because mattresses now are sold in a way that they come in the shrink wrap boxes, the compressed boxes. And you don't know what it's really going to sleep like.

• 13:47Speaker 04

  But good luck. You can't ever get it back in the box. So if you return it, you have to have somebody.

• 13:52Speaker 03

  There's no such thing. You might have to rent a truck to take it back.

• 13:56Speaker 04

  Yeah.

• 13:57Speaker 03

  But the point is, whether you buy from Costco like we did, or you buy from any of a number of other places, buy only from places that give you the right to a full refund, usually for up to three months. Costco has no limit, but why would anybody want to sleep on a mattress for longer than three months you don't like?

• 14:21Speaker 04

  Sam in California says, Clark, a guy came by my apartment complex today offering quote unquote, free phones. As soon as I heard the word free, I cut him off, said I wasn't interested and walked away. However, my elderly neighbor accepted the phone and gave him all her personal information, including her social security number. I tried warning her it might be a scam and urged her to freeze her credit. She brushed it off, saying she only uses cash and doesn't have credit, which likely means her credit score is poor, nonexistent. I'm really worried. Can a scammer still open loans or credit cards in her name if she has a low or nonexistent credit score? Or does that protect her? I'd appreciate your thoughts on this.

• 15:01Speaker 03

  Right. So Sam, first of all, I'm going to blow your mind. There is a federal program that depending on an elderly person's income, or even someone who's not elderly, they may qualify for quote unquote, a free phone. So I'm going to be the latest, greatest. It's going to be a low-end Android normally. And then ultra subsidized monthly cellphone service. I'm trying to remember how many different companies have the Lifeline cellphone program contracts right now. But you're not supposed to give personal information to these solicitors.

• 15:43Speaker 03

  In this case, maybe this was somebody legitimately working for one of the Lifeline companies. They use commissioned salespeople, are very aggressive going around. A relatively small percent of the American population qualifies for the Lifeline program. So the risk to her with her personal information, I mean, if you were going to help her do anything, it would be to freeze her credit. What would a criminal be able to do with someone with a no credit file? Not a lot. With poor credit, a lot. They could apply for various secured cards and things like that, establish identity

• 16:28Speaker 03

  as if they're her, and then pay the bills as required and establish a positive, alternative, false credit history, pretending to be her. A credit freeze would not take her long. You'd need to help her do it. But Sam, if she's just not interested, you got to let her do what she's going to do. And thank you for being such a good neighbor. Coming up ahead, very difficult year in the world of travel. I want to talk about how are you going to get deals during a year of non-deal deals?

• 17:06Speaker 05

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• 17:34Speaker 00

  This holiday, all plans, even unlimited, are just $15 a month. A holiday deal this good obviously deserves an enormously expensive holiday song like All I Want... Right. Okay, we can afford that. You know what? Forget the music budget. We're going to stick with whatever's in the public domain. Give it a try at MintMobile.com/switch.

• 17:53Speaker 01

  Upfront payment of $45 for three months, $90 for six months, or $180 for 12-month plan required. $15 per month equivalent, taxes and fees extra. New customer offer for initial plan term only. Greater than 50GB may slow when network is busy. See terms.

• 18:05Speaker 02

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• 18:33Speaker 06

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• 19:34Speaker 03

  So sticker shock, the cost of airline tickets right now, cruises, any form of travel that's very heavily fuel dependent, prices have gone crazy. Cruise lines are in an unusual bind because cruise lines sell cabins way in advance and most cruise lines don't fuel hedge. So think how much fuel it requires to run those giant ships that are out on a three, five, seven, 14 day adventure. I mean, it's humongous.

• 20:13Speaker 03

  So the cruise lines have been having booked so many cabins a year or two in advance when the economics were completely different before the Iran war. The cruise lines are raising the prices of everything else that goes on, on the ship. And you're going to have to be really aware when you go that things you routinely have purchased in the past, drink packages, things like that, are going to be much higher. A lot of cruise lines raising the daily service fees. Depending on the contract, they may be able to do that on people who booked a good long while ago.

• 20:55Speaker 03

  It's a tough time to own a cruise line. Gosh, that rhymed. Anyway, point is for you as a cruise passenger, you've got to be aware of that. For airline passengers, there's a pattern this year that you got to know. I alluded to this recently. I want to give you a new calendar because I've loved traveling in the fall when weather is still good, the crowds are smaller, hotel prices are cheaper, the flights are cheaper. Not this year.

• 21:37Speaker 03

  Do you know that tickets for fall and spring, domestic and international, are as expensive as summer was a year ago? The, what's known in the travel industry is the shoulder season really virtually doesn't exist this year. So I've gotten spoiled because there've been so many good fares when the weather's better that I have avoided traveling to really cold places in the winter. But this year is different and we're back to an old pattern.

• 22:17Speaker 03

  And if you're going to try to put together a more affordable trip, you're going to need to spring for really warm clothes if you're going somewhere that gets really cold in the winter, like Europe, parts of Asia that get really cold. I remember years ago going to South Korea in mid-winter and to say it was cold doesn't quite, well, it doesn't really explain it because I think I'm still thawing out from how frozen I was when I was in South Korea in late January one year.

• 23:00Speaker 03

  Whoa, we're back to that. You want to go somewhere at prices you're used to? It's going to be a winter trip. The dollar having declined against a lot of currencies, you're going to overcome that on your hotel rates going when other people are smart enough to not go freeze. Me, I'll go freeze because I don't want to give up traveling and I don't want to overpay. And this stuff is temporary. You know, the shortage of fuel, the run up in prices, this is going to solve itself eventually.

• 23:44Speaker 03

  Right now, it's an ugly picture. And so the way you're going to be able to get the deal is you're going to let the calendar be your friend. That means, as I used to talk about years ago, that means headed to Europe or North Asia, November, December, January, February, those are your new friends. Send me pictures of you dressed like you went to the South Pole. Send those in this winter because that's when the deals are going to be there. And if I take one of those trips, we'll post a picture of me looking like I've been at the South Pole.

• 24:29Speaker 03

  Your money. I mean, the alternative is you just wait. Don't take the trip and go sometime when shoulder season is a deal again. Not now. Krista?

• 24:45Speaker 04

  All right. I've got some travel questions for you. Elliot in Florida says, I'm scheduled for a back-to-back cruise for a total of 14 nights. Seven of the days we will be at sea. For the days we'll be in port, I have a Verizon ultimate plan, so my cell phone data coverage is included for the days we're on land. I hate to pay for the ship's Wi-Fi for the entire cruise when I really only need it for sea days. Are there any options besides the ship's Wi-Fi that work well while at sea?

• 25:15Speaker 03

  Well, you can try to sneak on a, one of Elon Musk's Starlink devices. All the cruise lines, I think, even though a lot of them are using Starlink themselves for their overpriced internet, ban you bringing on your personal.

• 25:33Speaker 04

  Wow, that's terrible.

• 25:35Speaker 03

  Yeah, I know.

• 25:36Speaker 04

  I think.

• 25:37Speaker 03

  So people have been using GigSky. I've had a lot of positive and negative feedback on GigSky. But if you are modestly using it on the seven sea days, no video, no heavy use of data other than simply checking email, sending texts, very light web surfing, you can buy a plan from GigSky.com that will cover typically, I think you can buy a 15 day low data use plan for under a hundred bucks, which is going to be so much cheaper than what you'd pay a cruise line.

• 26:18Speaker 03

  But it's not comparing apples and apples because if you have internet service from the cruise line, particularly if they have Starlink-based internet service, it'll be lightning fast and do everything you do on land on the internet. But if the cruise is part of stepping back and away and having isolation from normal everyday life, but you still need to have contact, check out GigSky.com. Maybe that would save you some serious money.

• 26:52Speaker 04

  Okay. Mark in Texas says, as a frequent traveler, I've noticed a frustrating trend. Standard suburban hotels have started charging for parking. These aren't even downtown locations with limited space or parking garages. They're suburban properties with standard open lot parking. What are the best ways to fight back against this obvious hotel revenue grab?

• 27:13Speaker 03

  Mark, you know, as somebody who stays in hotels constantly, I have seen this. And so there's usually when you're searching for hotels, there's a button you can click to cut out hotels that don't offer free parking or that only select hotels that have free parking. I got burned with that recently because when I got to a hotel, they said, well, do you have a car? I said, yeah, I'm along the freeway. What did I do? Walk? They said, well, it's $10 a day for parking. I said, it's set free. Oh, let me look when you booked. So I was free because I'd booked before the parking charge went into place.

• 27:56Speaker 04

  Wow.

• 27:57Speaker 03

  But this is a new trend I'm seeing that hotels, because people are comparing prices online and they're only looking at the nightly rate. They're not looking to see if there's any kind of amenities fee, resort fee, urban fee, what are all the crazy names they call these things? And then on top of it, parking in areas where parking everywhere else is free. There's a hotel though, I was just at in Pasadena, California, that I stay at because Pasadena has restrictions on overnight on-street parking. And this particular hotel where parking is $40 a night.

• 28:41Speaker 04

  Oof.

• 28:42Speaker 03

  I park on the street because it's in a part of Pasadena where you don't have to buy a nightly pass from the city and you're allowed to park overnight for free. And so my three nights, I paid zero for parking.

• 28:58Speaker 04

  Nice. All right. Hank in California says, love you and your team. You talk a lot about reshopping travel deals. However, I've never heard you say how to do this. Can you double book and then cancel the pricier one? Will one airline allow you to do this for the same trip? I don't understand how to do this safely. I, does one cancel the original deal and then book the new one? Or do you book the new deal while the old deal is still in place? And do vendors allow this? And things change so fast. What if you cancel the old deal and then the new deal does not go through?

• 29:28Speaker 03

  Oh.

• 29:29Speaker 04

  I try to listen every day. However, if I miss your response, are you able to post it on your website and tip me off that it's there? Cheers, Hank. Hank, we're going to email you like we email everyone who's questioned and ends up being on the show.

• 29:42Speaker 03

  We do?

• 29:43Speaker 04

  We do. It's part of our customer service.

• 29:45Speaker 03

  That's real customer service. Wow. Okay. I didn't know we did that. All right. So Hank, give you an example, that same trip I just took to California. While I was on the flight, you know, more and more airline flights have free Wi-Fi. I thought, you know what? I rebooked this car last week that I have when I land. Let me see if it's gotten any cheaper again. And sure enough, I reshopped it, booked a new car. Save $45 for my car and then went back and canceled the original one. I don't cancel until I've confirmed the new one.

• 30:30Speaker 03

  Also, shopping hotels. I never book non-refundable hotels. Always book ones that I can cancel without penalty. Usually it's two or three days before you arrive. So I can't do it on the flight like I did with the car. But the week I'm going, I reshopped my hotels. And then if I find a better deal, I book it and then cancel the original one. Airlines, a whole different thing, much harder. You have to fly regularly like I do because as an example, I flew in the last week.

• 31:10Speaker 03

  And I found a last minute deal on American. I was booked on Delta, found a last minute deal on American, booked it, then went and canceled the Delta. I got a credit for $352 and I have 10 months to use it. Because originally you got one year from when you booked. So I fly often enough that that money is money in my pocket. I will be able to use it, no doubt, to book another trip and I save money on the one I just took. So I reshopped all the things.

• 31:50Speaker 03

  But you always, based on what you said, I'm always rebooking first before I cancel what I have. Because you don't want to cancel what you have, go to book something else and then oops, it's not there anymore and now you have nothing. So that's the strategy I use. But again, the airlines is the hardest part because unless you travel frequently, you got money sitting out there that could go extinct before you use it. And thank you so much for your question, Hank. Thank you all for your questions.

• 32:31Speaker 03

  And I want to tell you how much I appreciate having had the opportunity to be with you today. Coming up Friday, we're going to have Clark stinks for you. We get to hear where I gave poor advice or was lame or missed something that I should have talked about. It's so valuable to me, you don't know. And valuable to you as a listener or viewer, that if I gave an answer that was not good, to have another perspective that may in fact be more thorough, maybe better. Sometimes I disagree with people who post, but I look forward to hearing them every

• 33:15Speaker 03

  single Friday. And I hope you'll join us for that and more empowerment. Empowerment, what's that? I believe that what we do is provide you personal empowerment through knowledge that you can act on to improve your personal situation so you can save more, spend less, and avoid getting ripped off. And I'll see you on Friday.

• 33:45Speaker 00

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