Business
Chase Bank Manager’s Advice for Avoiding Scams and Fraud
To spot fraud, it’s important to learn more about the most widespread scams, how to prevent them and what to do if you think you may be a victim. We sat down with Myesha Brown, local community manager from the Chase branch on 3005 Broadway, to help you become more aware of the most common scams out there and what steps you can take so that you can protect your information and keep your hard-earned money safe.
Chances are you know someone who has been a victim of fraud or scams. As a result of the pandemic, fraudsters are finding new ways to find new victims. The good news is that there are simple ways for consumers to stay safe and fight back.
Scammers are always coming up with new ways to get you to part with your money. In a recent Chase survey of 2,000 consumers, 84% of survey respondents agreed that scams and scammers have become more sophisticated in recent years.
To spot fraud, it’s important to learn more about the most widespread scams, how to prevent them and what to do if you think you may be a victim.
We sat down with Myesha Brown, local community manager from the Chase branch on 3005 Broadway, to help you become more aware of the most common scams out there and what steps you can take so that you can protect your information and keep your hard-earned money safe.
Oakland Post: How common are fraud and scams?
Brown: Fraud cases are unfortunately becoming more prevalent, and more sophisticated. In fact, the FTC revealed that 3.5 million people reported being a victim of fraud or identity theft in 2020, an increase of more than 1.5 million from the previous year. For Black communities, the problem is even worse with nearly half (40%) of Black adults being targeted by online scams and fraud, according to AARP.
Oakland Post: What kind of scams exist that we should be aware of and know how to stop them?
While new scams are always popping up, there are several common approaches that keep resurfacing year after year.
Some of the more common scams we’ve encountered and helped our customers fight against may not always seem so obvious at first if you’ve been targeted.
What shocks many of our customers is how far scam artists are willing to impersonate familiar faces, whether that be close relatives or community officials, and also be able to trick you so easily by using your own smart phone against you. So next time you receive a text message or email on your phone, think twice before you engage.
Here is what I mean:
Fake bank fraud specialist
What they look like: Consumers receive a fraud alert via text message that appears to come from their bank. The message asks them to validate whether they made a certain purchase or sent a certain amount of money. After saying “no,” the recipient gets a call from someone claiming to be from their bank’s fraud team. The phone number may even appear to be a real phone number from your bank.
They’ll ask for the customer’s banking username, password or a one-time passcode. Alternatively, they’ll sometimes ask the customer to send money to themselves or a third party to “stop” the fraud or to get their money back. Once the scammer has gained access to a person’s account or convinced them to send money, they usually stop contact and the victim’s money is gone.
How to stop them: Unfortunately, scammers target consumers from many banks and they are very good at disguising themselves by “spoofing” or making their phone number appear legitimate. Consumers should never share their banking password, one-time passcode, ATM pin or send money to someone who says that doing so will prevent fraud on their account. Bank employees won’t call, text or email consumers asking for this, but crooks will. If you receive a call like this, hang up and call the phone number on your account statement, the back of your credit or debit card or bank website to verify the authenticity of the request.
Imposter scams
What they look like: Someone will call or email you claiming to be from an organization you trust, like the Internal Revenue Service. They may threaten you by saying that if you don’t pay taxes or fees owed, they’ll bring a lawsuit against you.
How to stop them: If you think there’s truly a possibility that you owe money, don’t pay it to someone who initiates a call or email to you. Instead, hang up and call the organization in question directly.
Grandparent scams
What they look like: You’ll get an email from a grandchild (or other relative) saying that they’re in trouble and need money fast.
How to stop them: Call your relative directly. If you can’t reach them, contact another relative who knows them and may know their whereabouts and circumstances. Whatever you do, don’t send money, purchase gift cards, or share any of your personal information, including your banking username and password. Scammers use threats and try to create a sense of urgency to trick you. Always trust your gut and end communication when something seems off.
Oakland Post: What should you do to stop scam artists?
Brown: There are steps you can take to protect yourself.
And while we’ve given this advice before in this newspaper, it is worth every cent to repeat in these pages. Here’s what we recommend you do and don’t:
DO:
- Educate yourself on the most common scams. Fraudsters will use anything to their advantage — claiming to be from the IRS, pretending to offer tech support, baiting you with prizes or cash winnings — the sky’s the limit!
- Monitor credit score for free with Chase Credit Journey — you don’t even need to be a Chase customer to sign up! It will notify you if your data is compromised. Plus, you’ll receive critical alerts that help protect your credit and identity.
- Review your accounts closely if you believe you may have fallen for a scam. With Chase, you can also set up account alerts so you can be notified of transactions on your account.
DON’T:
- Click on suspicious links on emails or texts unless you’re sure it’s from a credible source. Only access your accounts through the bank’s mobile app or their website.
- Share personal information. Neither Chase nor any other bank will ever ask for your username, password, ATM pin, etc. when reaching out to you. Banks may ask for this information only when you call to discuss your account.
- Transfer money to someone claiming to be from your bank. Banks will never ask to send money via wire, check or other method to “stop or prevent fraud.”
- Pay someone using gift cards, especially when they claim to need them to remove a virus from your computer, stop fraud on your account or to buy plane tickets to come visit you.
Oakland Post: What more can you do to protect yourself from fraud and scams?
Brown: One of the most effective things you can do to prevent fraud is to regularly monitor your bank and credit card accounts so that you can be on the lookout for signs of unusual activity.
Your bank’s mobile app can give you easy access to self-service — tools that let you track your finances 24/7. If you spot something suspicious, immediately report any concerning activity to your bank.
Many banks, including Chase, also let you set up account alerts to help you detect unusual transactions to your bank or credit card by sending automatic notifications.
If you’re not sure if your bank or financial institution already offers these tools or services, be sure to ask.
If you believe that you may have been a victim of fraud or scams, there’s no need to feel embarrassed or ashamed. It can happen to anyone. What’s most important is to take immediate action.
Sponsored content from JPMorgan Chase & Co
To learn more about common scams and how to stop scammers in their tracks visit: www.chase.com/security-tips. You can also learn tips to identify and avoid financial abuse by visiting: www.chase.com/financialabuse.
Activism
Ann Lowe: The Quiet Genius of American Couture
Lowe was born in Clayton, Alabama, into a family of gifted seamstresses. Her mother and grandmother were well-known dressmakers who created exquisite gowns for women in the area. By the time Lowe was a young girl, she was already showing extraordinary talent — cutting, sewing, and decorating fabric with a skill that far exceeded her age. When her mother died unexpectedly, Lowe – only 16 years old then – took over her mother’s sewing business, completing all the orders herself.
By Tamara Shiloh
Ann Cole Lowe, born Dec.14, 1898, was a pioneering American fashion designer whose extraordinary talent shaped some of the most widely recognized and celebrated gowns in U.S. history.
Although she designed dresses for society’s wealthiest families and created masterpieces worn at historic events, Lowe spent much of her life in the shadows — uncredited, underpaid, yet unmatched in skill. Today, she is celebrated as one of the first nationally recognized African American fashion designers and a true visionary in American couture.
Lowe was born in Clayton, Alabama, into a family of gifted seamstresses. Her mother and grandmother were well-known dressmakers who created exquisite gowns for women in the area. By the time Lowe was a young girl, she was already showing extraordinary talent — cutting, sewing, and decorating fabric with a skill that far exceeded her age. When her mother died unexpectedly, Lowe – only 16 years old then – took over her mother’s sewing business, completing all the orders herself. This early responsibility would prepare her for a lifetime of professional excellence.
In 1917, Lowe moved to New York City to study at the S.T. Taylor Design School. Although she was segregated from White students and forced to work separately, she, of course, excelled, graduating earlier than expected. Her instructors quickly recognized that her abilities were far above the typical student, especially her skill in hand-sewing, applique, and intricate floral embellishment – techniques that would become her signature.
Throughout the 1920s and 1930s, she designed gowns for high-society women in Florida and New York, operating boutiques and working for prestigious department stores. Her reputation for craftsmanship, originality, and elegance grew increasingly. She was known for creating gowns that moved beautifully, featured delicate hand-made flowers, and looked sculpted rather than sewn. Many wealthy clients specifically requested “an Ann Lowe gown” for weddings, balls, and galas.
Her most famous creation came in 1953: the wedding gown worn by Jacqueline Bouvier when she married Massachusetts Sen. John F. Kennedy. The dress – crafted from ivory silk taffeta with dozens of tiny, pleated rosettes – became one of the most photographed bridal gowns in American history. Despite this achievement, Lowe received no public credit at the time. When a flood destroyed her completed gowns 10 days before the wedding, she and her seamstresses worked day and night to remake everything – at her own expense. Her dedication and perfectionism never wavered.
She eventually opened “Ann Lowe Originals,” her own salon on New York’s Madison Avenue. She served clients such as the Rockefellers, DuPonts, Vanderbilts, and actresses like Olivia de Havilland. Yet even with her wealthy clientele, she struggled financially, often undercharging because she wanted every dress to be perfect, even if it meant losing money.
Lowe’s contributions were finally recognized later in life. Today, her exquisite gowns are preserved in museums, including the Smithsonian National Museum of African American History and Culture and the Metropolitan Museum of Art.
In the last five years of her life, Lowe lived with her daughter Ruth in Queens, N.Y. She died at her daughter’s home on Feb. 25, 1981, at the age of 82, after an extended illness.
Activism
BRIDGE Housing President and CEO Ken Lombard Scores Top Honors for Affordable Housing Leadership
The Development Company of the Year honor represents a milestone for BRIDGE Housing, which received the Gold award—its top designation—in a category that included both affordable and market-rate developers. The recognition caps what has been one of the strongest growth periods in the organization’s 42-year history.
By the Oakland Post Staff
San Francisco-based BRIDGE Housing and its president and CEO, Ken Lombard, have been named among the nation’s housing industry standouts, earning two of the top prizes at the 2025 Multi-Housing News Excellence Awards.
BRIDGE Housing was named Development Company of the Year, while Lombard received Executive of the Year, recognition that places the nonprofit affordable housing provider alongside leading national developers of both affordable and market-rate housing.
The awards were announced in New York for the accomplishments achieved during 2024.
Multi-Housing News is one of the industry’s most respected publications. Award winners are selected by a panel of housing professionals, including multifamily developers, architects, and owners.
“BRIDGE Housing is deeply honored to be recognized by Multi-Housing News and our industry peers,” Lombard said. “These awards are a testament to the high-impact, mission-driven work by BRIDGE’s exceptional team to deliver quality affordable housing and support services that empower residents to improve their lives.”
The Development Company of the Year honor represents a milestone for BRIDGE Housing, which received the Gold award—its top designation—in a category that included both affordable and market-rate developers. The recognition caps what has been one of the strongest growth periods in the organization’s 42-year history.
In 2024, BRIDGE significantly expanded its footprint across California, Oregon, and Washington. That momentum continued into 2025, with portfolio growth of 9%, including the addition of nine new communities and 1,187 new or acquired affordable housing units. The nonprofit also added three new projects to its development pipeline as it nears a portfolio of 16,000 units.
The growth reflects a broader strategy aimed at accelerating both acquisitions and ground-up development, supported by partnerships with major financial institutions and innovative capital markets strategies. BRIDGE has also emphasized high-quality design and deep community engagement as central elements of its approach.
BRIDGE became the first affordable housing developer to issue tax-exempt construction bonds for one of the largest affordable housing projects in Portland, Ore., leveraging its strong credit rating.
Earlier this year, the nonprofit launched the BRIDGE Housing Impact Fund, with a goal of investing $1 billion to preserve and create affordable housing. It also closed on $175 million in taxable general-obligation bonds after increasing the offering in response to strong investor demand.
The company’s performance also underscores the role of Lombard, who has led BRIDGE since 2021 and was honored individually for his leadership.
Under Lombard’s tenure, BRIDGE has built a new leadership team with experience drawn from both the nonprofit and private sectors, with a particular focus on what the organization describes as efforts to “break the status quo,” especially in affordable housing finance. Those initiatives have helped reduce capital and construction costs, strengthen relationships with institutional investors, and expand resident support services.
Today, BRIDGE Housing serves more than 33,000 residents across 139 communities on the West Coast.
“Ken has dedicated his career to innovative real estate solutions that improve the quality of life in underserved neighborhoods,” said Kenneth Novack, chair of BRIDGE Housing’s board of directors. “His visionary leadership and the work of our incredible team have positioned BRIDGE for long-term growth that will extend our impact throughout the West Coast.”
Founded in 1983, BRIDGE Housing has helped create more than 23,000 affordable homes with a total development cost of $6 billion.
Activism
Mayor Lee, City Leaders Announce $334 Million Bond Sale for Affordable Housing, Roads, Park Renovations, Libraries and Senior Centers
Saying “Oakland is on the move,” Mayor Barbara Lee announces results of Measure U bond sale, Dec. 9, at Oakland City Hall with city councilmembers and city staff among those present. Photo courtesy of the City of Oakland.
By Post Staff
The City of Oakland announced this week that it is successfully moving forward on the sale of $334 million of General Obligation bonds, a milestone that will provide the city with capital funding for city departments to deliver paved roads, restored public facilities, and investments in affordable housing.
“Oakland is on the move and building momentum with this bond sale,” said Oakland Mayor Barbara Lee. “We are reviving access to funding for paving our streets, restoring public facilities we all use and depend upon, and investing in affordable housing for our community, all while maintaining transparency and fiscal discipline.”
“These bonds represent our city’s continued commitment to sound financial management and responsible investment in Oakland’s future,” said Lee.
“Together, we are strengthening our foundation for generations to come,” she said. “I’m grateful to our partners in the City Council for their leadership and support, and to City Administrator Jestin Johnson for driving this process and ensuring we brought it home.”
According to the city, $285 million of the bonds will support new projects and $49 million of the bonds will refund existing bonds for debt service savings.
Oakland issued the Measure U bonds on Dec. 4 after two years of delays over concerns about the city’s financial outlook. They all sold in less than a week.
The new money bonds will pay for affordable housing, roadway safety and infrastructure improvements, and renovations to parks, libraries, senior centers, and other public facilities under the city’s Measure U Authorization.
Citywide paving and streetscape projects will create safer streets for Oaklanders. Additionally, critical facilities like the East Oakland Senior Center and San Antonio Park will receive much-needed renovations, according to the city.
Some of the projects:
- $50.5 million – Citywide Street Resurfacing
- $13 million – Complete Streets Capital Program
- $9.5 million – Curb Ramps Program
- $30 million – Acquisition & Preservation of Existing Affordable Housing
- $33 million – District 3: Mandela Transit-Oriented Development
- $28 million – District 6: Liberation Park Development
- $3 million – District 5: Brookdale Recreation Center Capital Project
- $1.5 million – District 1: Oakland Tool Lending Library (Temescal Branch Library)
- $10 million – District 3: Oakland Ice Center
“I recognize that many naysayers said we couldn’t do it,” said Johnson. “Well, you know what? We’re here now. And we’re going to be here next year and the year after. The fact is we’re getting our fiscal house in order. We said we were going to do it — and we’re doing it.”
Investors placed $638 million in orders for the $334 million of bonds offered by the City. There was broad investor demand with 26 separate investment firms placing orders. The oversubscription ultimately allowed the city to lower the final interest rates offered to investors and reduce the city’s borrowing cost.
“The oversubscription ultimately allowed the City to lower the final interest rates offered to investors and reduce the City’s borrowing cost,” said Sean Maher, the city’s communications director.
“The Oakland City Council worked closely with the administration to both advance the bond issuance process and ensure that the community had a clear understanding of the City’s timeline and approach,” said Councilmember at-Large Rowena Brown.
“In September, the City Council took unanimous action to authorize the Administration to move forward with the bond sale because these funds are essential to delivering the very improvements our communities have long asked for – safer streets, restored public facilities, and expanded affordable housing,” she said.
Continuing, Brown said, “I want to extend my sincere thanks to City Administrator Jestin Johnson, Finance Director Bradley Johnson, and Mayor Barbara Lee for their leadership, diligence, and steady guidance throughout the City’s bond sale efforts.
“Navigating complex market conditions while keeping Oakland’s long-term infrastructure needs front and center is no small task, and this moment reflects tremendous professionalism and persistence,” she said.
Moody’s gave the city an AA2 rating on the bonds, its third-highest rating, which it gives to high-quality investment-grade securities.
There was both a tax-exempt portion and a taxable portion for the bond offering, reflecting the various uses of the bond proceeds, according to a statement released by the city.
The $143.5 million of tax-exempt bonds have a 30-year final maturity and received an all-in borrowing cost of 3.99%. The $191 million of taxable bonds have a 24-year final maturity and received an all-in borrowing cost of 5.55%.
The $49 million in tax-exempt bonds that refinance existing obligations of the City resulted in $5.6 million of debt service savings for taxpayers through 2039, or $4.7 million on a present value basis.
Mayor Lee said that, based on her experience serving on the House Financial Services Committee of the U.S. Congress for more than 10 years, city staff has done an exemplary job.
“I have witnessed many cities go to the bond market throughout the years,” she said. “I can tell you with certainty that Oakland’s team is remarkable, and our residents should be proud of their reputation, their competence, and their deep knowledge of this very sophisticated market.”
Looking ahead to the final sale of the bonds, according to the city press statement, pricing marks the point at which the City and investors locked in the final dollar amounts, interest rates, and other key terms of the bond sale. This stage is commonly referred to as the sale date. At pricing, no funds are exchanged. The actual delivery of bonds and receipt of monies occurs at closing, which is scheduled within the next two weeks.
Capital projects receiving this funding will proceed on individual timelines based on their individual conditions and needs. At the time of closing, funding will be immediately available to those projects.
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