Sometimes, data breaches result in more than just free credit monitoring. Recently, Facebook began paying out its $725 million settlement, and AT&T is preparing to distribute $177 million. Those payouts caught scammers’ attention.

Now, fake settlement claim emails and websites are flooding inboxes. They look convincing, but behind the plain design and official-sounding language is a trap for your Social Security number, banking info and more. So how can you make sure you get your money without losing even more in the process?

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Why fake settlement sites are so convincing

Settlement claim websites rarely look polished. Most have generic layouts, long URLs and simple forms asking for a claim ID from your email or postcard. That makes it easy for scammers to mimic them. To test how simple it is, we created a fake settlement site (below) in minutes using AI tools like ChatGPT.

If we can do it, you can bet criminals are already exploiting the same shortcuts. Facebook has been the target. A fake site once popped up around the Equifax settlement, tricking thousands before it was shut down. The lesson? If the site appears unusual, it doesn’t necessarily mean it’s fake, but it should prompt you to double-check before entering your details or clicking on any links.

Red flags that expose fake settlement sites

Spotting a scam often comes down to noticing the little details. Watch for these common warning signs before you hand over your information.

Requests for too much personal data

If a site asks for your full Social Security number or the names of your children, stop. For example, the official Equifax settlement only requested the last six digits of SSNs. Genuine claim sites may ask for limited info (like the last four digits of your SSN), but they rarely demand complete Social Security or bank details.

Promises of payout estimates upfront

Real administrators calculate payments only after the claim period closes.

Texts or social media messages

Settlements are announced by mail or email, not through random DMs or SMS.

Odd or misspelled URLs

Even one extra letter in the web address is a sign of a spoof site. Legitimate settlements use official or clearly named administrator domains. Be wary of addresses with unusual add-ons, such as ‘secure-pay’ or ‘claims-pay.’

Urgent language or countdowns

Scammers rely on urgency to pressure you into acting fast. Real settlement sites don’t demand 24-hour turnarounds.

Processing fee checkboxes

A sure giveaway of a fake. Real settlement administrators never require money to file or to receive your payout.

Cheap trust badges

Scam sites often throw in fake ‘secure’ seals. Look for recognized security seals and make sure they’re clickable and verifiable.

Generic contact info tied to the suspicious domain

Official sites list multiple, verifiable contacts. If the email or phone number matches the weird domain, that’s a red flag.

Grammar or spelling mistakes in the fine print

Sloppy errors in legal-sounding text are a classic sign you’re looking at a scam.

How to safely handle settlement claim notices

Before filing any claim, follow these steps to ensure you’re dealing with a legitimate settlement site and protecting your information.

1) Start at the FTC

The Federal Trade Commission keeps updated lists of approved class action settlements at ftc.gov/enforcement/refunds. The legitimate links always point to a .gov website. If your email sends you elsewhere, treat it with caution. 

2) Cross-check with other resources

Trusted outlets often cover large settlements and include safe links. ClassAction.org is another resource for checking legitimate URLs.

3) Skip the links, use the mail

Your claim notice may include a mailing address. Sending a paper form avoids the digital phishing minefield altogether.

4) Use strong antivirus software

Strong antivirus software can block malicious links, warn you about dangerous websites and prevent malware from taking over your device.

The best way to safeguard yourself from malicious links that install malware and potentially access your private information is to have strong antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.

Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com.

5) Try a data removal service

Data removal services work to scrub your personal information from broker lists, making it more difficult for criminals to target you.

While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting CyberGuy.com.

Get a free scan to find out if your personal information is already out on the web: Cyberguy.com.

6) Never pay to file

If a site asks for ‘administrative fees’ or a ‘processing charge,’ close it immediately. Real settlement administrators will never ask for money.

7) Report suspicious sites

Spot a fake? Protect others by reporting it to:

• The FTC Complaint Assistant at reportfraud.ftc.gov/
• The Internet Crime Complaint Center (IC3) at ic3.gov/
• The Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/about-us/the-bureau/

Quick reporting helps authorities shut down scams before more people fall victim.

Can you tell a real email from a fake?

Take our quick quiz at Cyberguy.com/ScamChecko learn how to spot phishing scams, protect your inbox, and stay a step ahead of hackers. 

Kurt’s key takeaways

Class action settlements can feel like rare wins for consumers after data breaches. But scammers see them as easy hunting grounds. The best defense is skepticism. Check URLs, avoid clicking direct links and never give away details that don’t match the claim’s purpose. Your payout should help you recover, not put you at greater risk.

Have you ever received a settlement notice that felt suspicious, and how did you handle it? Let us know by writing to us at CyberGuy.com.

Get my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide – free when you join my CyberGuy.com newsletter.

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Former President Joe Biden and former Secretary of State Antony Blinken both claimed some credit for President Donald Trump’s Israel-Hamas ceasefire agreement on Monday.

On X, Biden – who is undergoing treatment for cancer – said that he was ‘deeply grateful and relieved’ that the Gaza war is approaching its end.

‘The road to this deal was not easy,’ the Democrat wrote. ‘My Administration worked relentlessly to bring hostages home, get relief to Palestinian civilians, and end the war.’

But Biden also gave Trump credit for getting ‘a renewed ceasefire deal over the finish line.’

‘Now, with the backing of the United States and the world, the Middle East is on a path to peace that I hope endures and a future for Israelis and Palestinians alike with equal measures of peace, dignity, and safety,’ he concluded.

On Monday, Blinken said Trump’s 20-point peace plan for the Gaza Strip was based on one developed by the Biden administration.

In a lengthy post on X, Blinken, who served in the Biden administration, outlined how Trump was able to secure the peace agreement. He noted that Arab states and Turkey have said ‘enough’ to Hamas, and said the response also showed that other Iran-backed groups — Hezbollah and Yemen’s Houthi rebels — were not coming to Hamas’ aid.

‘It starts with a clear and comprehensive post-conflict plan for Gaza,’ Blinken wrote. ‘It’s good that President Trump adopted and built on the plan the Biden administration developed after months of discussion with Arab partners, Israel and the Palestinian Authority.’

Blinken said the Biden administration briefly secured a ceasefire between Israel and Hamas in January, resulting in the release of 135 hostages before the deal fell apart.

He also questioned how Trump could secure a permanent peace plan.

Fox News senior White House correspondent Peter Doocy asked Trump about Blinken’s remarks aboard Air Force One.

‘Everybody knows it’s a joke,’ Trump said. ‘Look, they did such a bad job. This should have never happened.’

‘If just a decent president — not a great president like me — if a decent president were in, you wouldn’t have had the Russia-Ukraine (war),’ Trump said. ‘This was bad policy by Biden and Obama.’

Trump was in Egypt on Monday to work on the second phase of the cease-fire while meeting with more than 20 world leaders.

‘We’ve heard it for many years, but nobody thought it could ever get there. And now we’re there,’ Trump said.

‘This is the day that people across this region and around the world have been working, striving, hoping and praying for,’ he added. ‘With the historic agreement we have just signed, those prayers of millions have finally been answered. Together, we have achieved the impossible.’

In his post, Blinken said the postwar plan for Gaza should be implemented immediately, ‘with eyes wide open about its challenges: pulling together the international stabilization force, fully demilitarizing and disarming Hamas, dealing with insurgents, and expeditiously securing a phased but full Israeli withdrawal.’

He also credited Trump for reaffirming ‘the key principles we established for Gaza at the outset of the war — no platform for terrorism, no annexation, no occupation, no forced population transfers — and for making clear the overall goal is to create the conditions for a credible pathway to a Palestinian state.’

President Donald Trump, when asked about the prospect of a two-state solution for Israel and the Palestinians, declined to commit, telling reporters, ‘We’ll have to see.’ 

The comments came during a press gaggle aboard Air Force One as Trump returned home after signing a historic peace agreement that ended two years of fighting in Gaza. 

When the topic came up, Trump said he was focused on rebuilding Gaza after two years of Israeli bombardment, following the Oct. 7, 2023, massacre by Hamas. 

‘I’m not talking about a single state or double state or two state,’ Trump said, adding: ‘A lot of people like the one-state solution, some people like the two-state solution. We’ll have to see.’ 

Trump said any decision on the matter would be made in coordination with regional and international partners. 

The president concluded a whirlwind trip Monday that included a global peace summit in Egypt and a speech before the Knesset in Jerusalem earlier in the day, where he celebrated a U.S.-brokered ceasefire with Hamas.

Speaking to leaders gathered in Egypt, Trump called for a new era of harmony in the Middle East, seeking to advance broader peace in the region.

‘We have a once-in-a-lifetime chance to put the old feuds and bitter hatreds behind us,’ Trump said, urging leaders ‘to declare that our future will not be ruled by the fights of generations past.’

Leaders from dozens of countries, including from Europe and the Middle East, attended the summit. 

Trump, Egyptian President Abdel Fattah el-Sissi, Turkish President Recep Tayyip Erdogan and Qatari Emir Tamim bin Hamad Al Thani signed a document outlining a broad vision for Gaza’s future.

Twenty hostages were released Monday as part of an agreement intended to end the war in Gaza. Trump met with some of their families during his visit to the Knesset.

The moment remains fragile, however, as Israel and Hamas are still in the early stages of implementing the first phase of Trump’s peace plan.

The sides have not agreed on Gaza’s postwar governance, its reconstruction, or Israel’s demand that Hamas disarm. Negotiations over those issues could break down, and Israel has hinted it may resume military operations if its demands are not met.

Much of Gaza has been reduced to rubble, and the territory’s roughly 2 million residents continue to struggle in dire conditions. Under the deal, Israel agreed to reopen five border crossings to ease the flow of food and supplies into Gaza, parts of which are experiencing famine.

Roughly 200 U.S. troops will also help monitor and support the ceasefire deal as part of a team that includes partner nations, nongovernmental organizations and private-sector groups.

The Associated Press contributed to this report.

Former Vice President Kamala Harris commended President Donald Trump and his team for helping to secure the deal that led to the release of Israeli hostages held by Hamas — but she only referred to ‘the President,’ and did not identify Trump by name in the statement.

‘I am thankful and deeply encouraged that this ceasefire has brought long-awaited moments of joy and reunion — as 20 Israeli hostages are finally reunited with their loved ones and Palestinian families and the people of Gaza begin to receive desperately needed relief from unimaginable suffering,’ Harris said in the statement.

Israel launched a war effort in the wake of the horrific October 7, 2023, Hamas terror attack, which included mass murder and kidnapping. 

‘Through diplomacy and persistence, today is an important first step toward a more hopeful future. I commend the leaders and partners whose efforts made this agreement possible, including the President and his team,’ Harris continued.

‘There is still much more work to do to secure a lasting peace, ensure the safety and dignity of every innocent life, and build a future where Israelis and Palestinians can live side by side in freedom and security,’ she concluded.

Last year, Trump won both the Electoral College and the popular vote, trouncing Harris in the White House contest.

The 2024 Democratic presidential candidate mounted a whirlwind campaign after President Joe Biden dropped his re-election bid and endorsed her.

Democratic Rep. Jasmine Crockett of Texas took a jab at President Trump on Monday, tweeting, ‘Raising hell at home & then pretending to be the President of Peace is diabolical.’

But Democratic Sen. John Fetterman of Pennsylvania gave, ‘Credit to @POTUS for a breakthrough ceasefire of this awful war.’

The No. 3 House Republican is accusing Democrats of making a hypocritical argument in their resistance to the GOP’s federal funding bill.

The government shutdown is in its thirteenth day with Republicans and Democrats still unable to agree on a path forward. The Trump administration is taking steps to prevent the military from missing paychecks this week, while also beginning to lay off scores of federal workers amid the standoff.

Democrats have said they will not agree to any solution that does not include serious concessions on healthcare from the GOP — but House Majority Whip Tom Emmer, R-Minn., argued that they are themselves harming healthcare access by allowing the shutdown to continue.

‘They are [jeopardizing healthcare],’ Emmer told Fox News Digital, pointing out that certain telehealth services, for example, are going without funding during the shutdown.

‘We had a huge advance during the pandemic when it came to remote care. You’ve got all kinds of constituents that don’t live in a condensed or a dense urban area right next to a hospital, right next to a provider, they may be a distance away. And the telehealth option actually made a big difference,’ Emmer said. ‘I know it did for our veterans.’

‘I don’t know if the VA — [House Veterans Affairs Committee Chairman Mike Bost, R-Ill.] made it sound like they’re going to protect that under his jurisdiction, not sure how — but I do worry about it for the private providers, hospitals. How are they going to do it if they’re not getting reimbursed?’

He was referring to the Acute Hospital Care At Home program, originally created during the COVID-19 pandemic. It allows healthcare providers to bill Medicare for telehealth appointments and at-home aid that previously was only reserved for hospital care.

It’s become a popular program for elderly or otherwise vulnerable Medicaid recipients, but the ongoing shutdown has prevented Congress from being able to extend it.

The government entered into a shutdown nearly two weeks ago on Oct. 1 after Senate Democrats rejected the GOP’s federal funding plan. They have since blocked consideration of the same bill six more times. 

Republicans proposed a seven-week bill extending fiscal year (FY) 2025 federal funding levels through Nov. 21 called a continuing resolution (CR). It’s aimed at giving congressional negotiators more time to strike a longer-term agreement on FY2026, which began on Oct. 1.

It passed the House along mostly partisan lines on Sept. 19. But Democrats in the House and Senate were largely infuriated by being sidelined in federal funding talks and are now demanding any spending deal that also include an extension of COVID-19 pandemic-era enhanced Obamacare subsidies that are set to expire at the end of this year.

Democrats also introduced a separate counter-proposal that would completely eliminate healthcare reforms made in the GOP’s One Big Beautiful Bill Act (OBBBA) and restore funding to NPR and PBS that the Trump administration revoked earlier this year.

Democrats have said that proposal is aimed at rolling back Republicans’ Medicaid cuts. But Republicans have positioned it as the left’s effort at restoring federal funding for illegal immigrants’ healthcare — though Democratic leaders panned that as a lie.

Emmer also pointed out that it would revoke $50 billion for a rural hospital fund that OBBBA put in place.

‘The Rural Health Care Fund is a great example. I mean, right now, it’s our job, it’s the representatives’ job back in their districts, to try and work with our hospitals to make sure that they can access the funds,’ he said.

‘Because you don’t know exactly how deep the shutdown is going to impact hospitals, providers, ultimately consumers and patients.’