Author: Tracy Banks

  • A.I. Scammers Target Grieving Families with Fake Obituaries, Profiting from Sorrow

    A.I. Scammers Target Grieving Families with Fake Obituaries, Profiting from Sorrow

    Criminal networks are exploiting a surge in social media engagement following a death to publish fake, A.I.-generated obituaries, flooding search results and monetizing grief through ad revenue.

    The rise of these bot-written memorials, often referred to as “A.I. slop,” is fueled by a global network of opportunists who create and propagate deceptive content. These fabricated obituaries appear within hours of a death being announced on social media, filling the “data void” that exists before families can publish official announcements.

    An investigation into these networks revealed that many of the bot-driven obituary websites are registered to addresses in Iceland, a nation known for its strong privacy laws. A July 2025 report from the Center for Digital Forensics identified a sophisticated international operation, detailing how these sites, which often use the same handful of physical addresses, serve as fronts for criminal enterprises.

    The practice, which is highly profitable due to its automated nature and low barrier to entry, preys on the emotional vulnerability of mourners seeking information about a loved one. The fake pages generate revenue through pop-up ads, malicious redirects, and ad-laden YouTube videos, even as they spread false information about the deceased.

    Although social media companies like Meta and Google have reported taking steps to combat the issue, experts argue their efforts are insufficient. According to a recent analysis by the misinformation watchdog NewsGuard, the number of “unreliable A.I.-generated news sites” has skyrocketed from 49 in May 2023 to over 1,200 today. The report noted that many of these sites are dedicated solely to creating obituaries, suggesting a deliberate and targeted strategy to exploit a specific, vulnerable audience.

    This new wave of digital fraud not only steals attention but also erodes the personal autonomy of grieving families, robbing them of the ability to control the narrative of their loved ones’ lives. While some of the perpetrators are focused on small-scale ad revenue, others are tied to larger organized crime networks, with some operations linked to nation-states running money laundering schemes.

    More Than a Click: The Financial and Emotional Toll of Virtual Tributes

    The parasitic economy surrounding fake obituaries goes beyond simple ad revenue, leveraging the powerful emotional need of mourners to show respect. Scammers use features designed to look like traditional acts of remembrance, turning a heartfelt gesture into a cash transaction.

    These digital tributes are a core part of the scam model. On these bot-generated memorial pages, visitors are often given the option to perform a symbolic act, such as “lighting a virtual candle” or “planting a memorial tree.”

    Examples of Virtual Tributes:

    Virtual Candles: Offered in various pricing tiers, these are not physical items but a digital icon that appears on the website. For example, a search of these sites shows options like a "one-month candle" for $8, a "one-year candle" for $15, or an "Eternity candle" for $25. The purchaser receives no tangible product, and the money rarely, if ever, reaches the deceased's family.
    
    Memorial Trees: Another common option is the "memorial tree." Visitors can purchase a virtual tree to be "planted" in the deceased's honor, with prices typically ranging from $10 to $20. Again, this is a purely digital act with no real-world equivalent, and the funds are funneled directly to the site operators.
    
    Virtual Flowers: Fake obituaries often feature links to "send flowers," which, instead of connecting to a legitimate florist, direct visitors to scam sites. These sites may charge for a digital image of a floral arrangement or simply redirect to other ad-heavy pages, creating a frustrating and often malicious loop for grieving individuals.

    These features exploit the innate desire to pay one’s respects, transforming a moment of genuine human empathy into a revenue stream for organized criminal networks. The deception is particularly cruel because it is often discovered by mourning families who are already at their most vulnerable.

  • No Proof Required Class Action Lawsuit Settlements

    Find the latest Class Action Lawsuits and Settlements here that have no proof of purchase requirement!

    In this post, we will list out all of the Best Class Action Lawsuit Settlements that require no proof of purchase, receipts, or uploads.

    Please remember to submit your claim ONLY if you qualify for settlement funds to receive free products or services, cash payments, and other means of reimbursement.

    When submitting a claim, you are then eligible for cash payment as compensation whenever a company has decided to settle a class action lawsuit.

    In order to submit a claim, you must fill out and file a claim form to receive compensation. Apply for these class action lawsuits and claim your settlement funds if you qualify.

    Note that *CAL is another way that we refer to Class Action Lawsuits.

    How to File Claim for Class Action Lawsuits:

    • Step One: Find Products You Purchased
      • Take a look of our list to find open settlements for products you may have purchased. Find out what the estimated payout will be and if proof of purchase is needed. Figure out if it’s worth your time to follow through. Most no receipts needed can be a few minutes of your time.
    • Step Two: Fill Out the Claim Form
      • Click through to the settlement claim form and fill out online. Simply provide the necessary info such as your name and address, products information you purchased, and then submit your claim. It sometimes helps to use an auto-fill from your browser to do this faster.
    • Step Three: Get your Check in the Mail
      • They will mail your check once to the address your provided once your claim has been approved. Most claims checks are mailed 1-2 months after the claims period closes.

    Check to see if you got money from previous settlements: Equifax $125 Settlement Read Here

    Poppi settles class action lawsuit for $9 million

    Anyone who purchased the prebiotic beverage Poppi over the last five years could get a refund. VNGR Beverage LLC, has settled a class action lawsuit that claimed the sparkling libation was improperly marketed as “gut healthy.” Court records show the company did not admit to any sort of wrongdoing in the settlement, but will refund nearly $9 million to the public.

    The settlement allows refunds for anyone who purchased any flavor or package size of Poppi beverages between Jan. 23, 2020, and July 18, 2025.

    Sirius XM Do Not Call List (Class Action Lawsuit)

    The settlement will benefit all individuals who received call from Sirius XM despite having been put on the National Do Not Call Registry over 31 days prior or on SiriusXM’s internal Do Not Call List, then you are eligible for a potential award.

    • Claim Form Deadline: October 8, 2019
    • Estimated Amount: $12
    • Case Name & NumberBuchanan v. Sirius XM Radio Inc., Case No. 17-cv-00728-D, in the U.S. District Court for the Northern District of Texas

    Seagram’s Ginger Ale Class Action Payout (no proof needed) 

    This new class action settlement that is available for anyone who bought any Seagram’s Ginger Ale product between April 1, 2013 – June 13, 2019. The best part is there is no proof of purchase needed to claim what is owed to you, so you wont need to go through old receipts. The deadline for signing up for this settlement is 9/5/2019. Claim up to $10.40 with no proof of purchase required.

    • Estimated Amount: $4 to $10.40

    Savers Donation (Class Action Lawsuit)

    This class action lawsuit affects individuals who received calls regarding donation solicitation on behalf of the Epilepsy Foundation of America between July 1, 2011 and Sept. 30, 2015. If you are one of these class action members, then you may be eligible for a potential award.

    • Claim Form Deadline: August 15, 2019
    • Estimated Amount: $75 in goods at any Savers or Value Village thrift store or $25 in the form of a check
    • Case Name & NumberHartranft v. TVI Inc. d/b/a/ Savers Inc., et al., Case No. 8:15-cv-01081-CJC-DFM, in the U.S. District Court for the Central District of California

    Fingerhut, Gettington Texts (Class Action Lawsuit)

    This class action lawsuit affects those who were sent a text message from or on behalf of Fingerhut where the number was coded by Fingerhut as a “wrong party” as well as an outbound call between March 14, 2012 and October 15, 2018. If you are one of these class action members, then you may be eligible for a potential award.

    • Claim Form Deadline: August 29, 2019
    • Estimated Amount: Equal share of settlement
    • Case Name & Number:Busch v. Bluestem Brands Inc., Case No. 0:16-cv-00644-WMW-HB, in the U.S. District Court for the District of Minnesota

    Whole Foods, Health-Ade Kombucha (Class Action Lawsuit)

    This class action lawsuit affects individuals who purchased certain Health-Ade Kombucha beverages between March 6, 2014 and May 24, 2019. Furthermore, you may be eligible for a potential award .

    • Claim Form Deadline: August 27, 2019
    • Estimated Amount: Up to $80
    • Case Name & Number:Bayol, et al. v. Health-Ade LLC, et al., Case No. 3:18-cv-01462 MMC, in the U.S. District Court for the Northern District of California

    Sagent Lending Unwanted Phone Calls

    This class action lawsuit affects individuals those who received a prerecorded and/or automated call from Sagent, initiated by the company’s Noble version 8.02 telephony system, between July 1, 2014 and March 19, 2019. If you are one of these class action members, then you may be eligible for a potential award.

    • Claim Form Deadline: July 29, 2019
    • Estimated Amount: TBD. Based on submitted forms.
    • Case Name & Number: Woodrow v. Sagent Auto LLC d/b/a Sagent Lending Technologies, Case No. 2:18-cv-01054-JPS, in the U.S. District Court for the Eastern District of Wisconsin

    Utz, Bachman ‘All Natural’ Snacks (Class Action Lawsuit)

    If you are a class action member who purchased eligible Utz or Bachman branded products between Dec. 30, 2010 and March 30, 2019, you are eligible for a potential reward from the Utz, Bachman ‘All Natural’ Snacks Class Action Lawsuit.

    • Claim Form Deadline: July 28, 2019
    • Estimated Amount: Up to $20
    • Case Name & Number: DiFrancesco, et al. v. UTZ Quality Foods Inc., Case No. 1:14-­cv-­14744, in the U.S. District Court for the District of Massachusetts

    Ticketmaster Ticket Voucher Redemption

    If you purchased tickets from TicketMaster between October 21st, 1999 and February 27th, 2013, then you are eligible for a potential reimbursement from the Ticketmaster Ticket Voucher Redemption Class Action Lawsuit! Ticketmaster failed to fully disclose to consumers all aspects of its UPS and order processing fees.

    • Claim Form Deadline: June 2020
    • Estimated Amount: $5 UPS Discount Code, $2.25 Discount Code, or Ticket Voucher
    • Case Name & Number: Schlesinger v. Ticketmaster

    Advanced Disposal Fees Class Action Lawsuit

    This class action lawsuit affects individuals who paid one or more fees to the waste and recycling service company can get a full refund of those fees from this class action settlement in Georgia and Alabama. If you are one of these class action members, then you may be eligible for a potential award.

    • Claim Form Deadline: November 4, 2019
    • Estimated Amount:A full refund of Advanced Disposal fees.
    • Case Name & Number: Bach Enterprises Inc. d/b/a Randall Greene Automotive, et al. v. Advanced Disposal Services South Inc., et al., Case No. 69-cv-2013-900090.00, in the Circuit Court of Barbour County, Alabama

    Bottom Line

    If you qualify for any of these class action lawsuit settlements, this is a great way to earn some extra cash and become reimbursed.


  • Freedom Rise: A Starter Credit Card for Beginners

    Freedom Rise: A Starter Credit Card for Beginners

    Do you want to start building your credit history? If so, you might be interested in a new credit card from Chase. It’s called Freedom Rise and it’s part of the Freedom family of cards.

    Chase already has two other Freedom cards: Freedom Flex and Freedom Unlimited. These are great cards that don’t charge you any fees and give you some money back when you sign up. Freedom Flex also lets you earn more money back on different things every three months.

    Freedom Rise is a new card that Chase will launch later this year. It’s designed for people who are new to credit or have bad credit. This means that it might be easier to get approved for this card than for other cards.

    We don’t know much about Freedom Rise yet, but we have seen what it looks like. It has a similar design to the other Freedom cards.

    Possible card rendering of the Freedom Rise.

    Chase mentioned Freedom Rise in a presentation for investors. They said that they will launch the card for new-to-credit customers this year. They also said that they will offer the card in some places first, like their branches. This means that you might have to go to a Chase branch to apply for the card.

    Freedom Rise could be a good option for you if you want to start or improve your credit history. We will update you when we learn more about the card and its features.

    There are not many credit cards for no credit that are similar to the Freedom Rise card, as it is a new product that has not been launched yet. However, based on the limited information we have about Freedom Rise, it seems like it is a card for people with no credit or bad credit that does not require a security deposit and may offer some rewards.

    Some of the current credit card offerings for no credit that are similar to Freedom Rise are:

    • Most Recommended: Capital One Platinum Credit Card: This card has no annual fee and no foreign transaction fee. It does not offer any rewards, but it gives you access to a higher credit line after making your first five monthly payments on time. It does not require a security deposit, but it may require a credit score or a limited credit history.
    • Petal 2 “Cash Back, No Fees” Visa Credit Card: This card has no annual fee, no late fee, no foreign transaction fee and no returned payment fee. It also offers up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. It does not require a security deposit or a credit score, but it uses your income and spending habits to evaluate your application. Your credit limit can range from $300 to $10,000.
    • Capital One Quicksilver Secured Cash Rewards Credit Card: This card has no annual fee and no foreign transaction fee. It also offers 1.5% cash back on every purchase. It requires a security deposit of $49, $99 or $200, depending on your creditworthiness. Your credit limit will be equal to your deposit amount. You can also access a higher credit line after making your first five monthly payments on time.

    Discover Card also offers cards for those with no credit:

    • Discover it Secured Credit Card: This card requires a security deposit of at least $200, but it offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% cash back on all other purchases. It also matches all the cash back you earn in your first year. It has no annual fee and may review your account for an upgrade to an unsecured card after seven months of responsible use.
    • Discover it Student Cash Back: This card is for students with no credit or limited credit history. It offers 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum when you activate, and 1% cash back on all other purchases. It also matches all the cash back you earn in your first year. It has no annual fee and a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.

    Our Take

    We love the name of the card indicating credit freedom which is what this website has always been about. The Banklady has helped people with their personal credit since 1999. Unless you are a college student you may not get the opportunity to start building credit if you do not take out an auto loan or are given the opportunity to get your first unsecured credit card. Capital One will normally give non-college students a $300 credit on an unsecured card but now Chase may get into the game with the Freedom Rise Card and that is a great development.

  • $200 Bonus plus Thunder swag with MidFirst Bank’s LiveFree Checking

    $200 Bonus plus Thunder swag with MidFirst Bank’s LiveFree Checking

    Thunder Proud Vehicle Flags Available at MidFirst Bank

    As the Oklahoma City Thunder continue their playoff run, show your team spirit with a Thunder vehicle flag!

    You can receive a free Thunder Proud vehicle flag while supplies last at your MidFirst banking center. Limit one per household.

    Get a $200 Bonus with MidFirst Bank’s LiveFree Checking

    Looking for a simple, rewarding checking account? MidFirst Bank is offering a $200 sign-up bonus when you open a new LiveFree Checking account — and it’s one of the most hassle-free offers out there.

    How to Claim Your $200 Bonus

    • Open a new LiveFree Checking account.
    • At account opening, mention promo code: REFERRAL50-2025.
    • Provide the referral name: Sanders.
    • Set up direct deposits totaling $1,000 or more within 90 days.

    There’s no minimum balance requirement — just meet the direct deposit and enjoy your $200!

    Why MidFirst Is Gaining Attention

    MidFirst Bank, based in Oklahoma, is growing fast — and for good reason. As one of the largest privately owned banks in the country, it blends the best of local service with modern banking features. With branches popping up in new locations beyond Oklahoma, more people are discovering what MidFirst customers already know: big-bank capability with small-bank care.

    Love Sports? You’ll Love MidFirst Even More

    If you’ve been to a Thunder game, you’ve seen MidFirst’s courtside presence. They’re proud partners of the Oklahoma City Thunder, and they offer exclusive Thunder-themed debit cards — as well as options for OU and OSU fans.

    It’s just another way MidFirst shows its commitment to the community — and its customers.

    MidFirst vs. Chase: A Quick Comparison

    Feature MidFirst (LiveFree Checking) Chase Total Checking
    Sign-Up Bonus $200 (with promo & referral) Up to $300 (higher deposit required)
    Monthly Fee $0 $12 (can be waived)
    Minimum Balance None $1,500 to avoid fee (It was up to $2,000 last year)
    Custom Debit Cards Yes (Thunder, OU, OSU) No

    Final Thoughts

    If you’re ready to switch banks and want to get paid for doing it, MidFirst’s LiveFree Checking account is a smart move. With no monthly fee, no minimum balance, and a local touch that supports your community (and your team), this account checks all the right boxes.

    Quick Recap

    Promo Code: REFERRAL50-2025
    Referral Name: Sanders
    Bonus: $200 after $1,000+ direct deposit within 90 days


  • Financial Freedom should be your goal this season

    • <Bad Credit Basics: Why is credit score so important? How is it calculated? If your score is low, what can you do about it?

    • Bad Credit Cards: For individuals with poor credit, there are several trustable credit card issuers who can give you a line of credit and help improve your score.
    • Personal Loans: Help you build your financial future while providing money for your family.
    • How to Get Out of Debt? Follow these three simple steps to managing your money and become debt free.
    • Is Refinancing Right For You? This article will help you consider all the angles when making your decision.
    • Home Loans From Start To Finish: Buying a home is the biggest purchase you’ll ever make in your life. It’s important that you know what to expect from the moment you apply for your loan through settlement.
    • Beware of these credit scams: Tell everybody in your family and all of your co-workers if you get scammed online or from a lender in person. Before this happens to you read our take on the scams to avoid.
    • The Banklady Credit Library Stuff they don’t teach you in school but they should.
    • Find out how to avoid high Checking fees by using some of our suggested alternatives.