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protection starts in minutes. well after twin landslide wins in new york last night the presidential front runners are sounding more like nominees. major garrett with the republicans. >> reporter: after last night's blowout win in new york. >> we had a great evening. really a great evening. >> reporter: donald trump

nomination virtually over. >> i'm about 300 delegates ahead of lying ted. >> reporter: paul manafort told us he is about finished assembling a new campaign team and predicted trump would win the nomination and do so with delegates to spare. trump is the only candidate who could mathematically secure the 1237 delegates necessary to win the nomination outright. ted cruz said today he would stop that from happening and force a contested convention. >> i am not going to reach 1237. reach 1237. cruz called john kasich a spoiler who may be auditioning to become trump's runningmate. kasich told us he would never join a trump ticket. and was not dropping out. >> we are very upbeat here in looking forward to moving forward. rnc chairman reince priebus called donald trump, to congratulate him on a new york victory, a courtesy extended to

scott, the two were unable to smooth over differences over rnc rules and delegate allocations or decide if there will be any more presidential debates. how does this change the race? joining us from washington, john dickerson, cbs news political director and anchor of "face the nation." john, how does the delegate map shape up for trump now after new york? >> so far, donald trump has 844 delegates. to lock in the nomination at 1,237 delegates. that's the majority, he'll need to get 52% of the remaining delegates in contests coming up. and some of them are quite favorable to him. connecticut, maryland, pennsylvania, rhode island and new jersey. but, he is going to have to perform at the top of his game if he is going to clear that 1,237 pledge delegate threshold.

1,237 being the number, but, it could be less than that? he could clinch with less than that? >> there is some wiggle room. there will be about 100, little more than 100 unpledged delegates who will go to the convention in cleveland with no allegiance to anyone. if donald trump is short of the 1,237 mark, he could convince some of those unpledged delegates to come his way and give him the majority on the first ballot. it is also possible, that there could be some credentials challenges that take delegates away from his total though. so wiggle room could go either way. >> lot of horse trading yet to do. what about the democrats? >> hillary clinton she has 1,425 pledged delegates. if you add her lead with the pledged delegates to the superdelegates where she has 502 to bernie sanders' 38, she would only need to win 27% of the remaining delegates to reach the democrats magic number which is 2,383. for sanders, he would need 73% of the remaining delegates. >> last primary is june 7. john dickerson we will be watching you on "face the

thank you. so do the police have the right to order you to take a blood alcohol test? the supreme court took up that question today and jan crawford is there. >> reporter: blood and breath tests have become a key tool in fighting drunk driving. but are police now going too far? typically the government can suspend a suspected drunk driver's license for refusing to take a blood alcohol test. but 14 states now impose harsher criminal penalties. police can perform the test without a warrant and lock up those who refuse. government attorney kathy keena. >> specially in the smaller jurisdictions where there are

requiring them to get a warrant in every situation. not only is it public, public safety on the road going to be affected. just public saety in general. sympathetic. justice sam aleto, the reason to a blood alcohol test they don't want their blood alcohol measured. other justices were troubled especially by laws that can force someone to take a blood test. justice sonja sotomayor called the laws a drastic change. dewey dispense with an important requirement in our law that before you search particularly the inside of a person with a needle or intrusive way that you get a warrant. now critics of the laws say that is pure government overreach, scott. and that police could get a warrant when they're transporting, the drunk driving suspect to the hospital, for the blood test. >> jan crawford at the court, thank you. president obama met for two hours today with saudi arabia's new king at a time when the friendship between our nations is strained to say the least. margaret brennan is there for us tonight in riyadh. margaret. >> scott, president obama was met by a small delegation, not

often given to visiting world leaders. his arrival wasn't even broadcast on saudi tv. senior saudi officials have made clear that the relationship with the u.s. will only improve after president obama leaves office. the saudis are angry about the nuclear deal with iran and believe only the next president, whether hillary clen clin or even donald trump, will be able to restore saudi arabia's status as america's key ally in the mideast. saudi leaders also flatly reject president obama's description of them as free riders. might. most importantly, scott, because they say the u.s. needs saudi arabia to help defeat isis and al qaeda. >> margaret brennan traveling with the president in the kingdom tonight. thank you. the treasury secretary makes a tough decision on a tender issue. and will trumpet the

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plans to put a woman on the $10 bill ran into drama and a broadway musical. today it came to a surprise ending. alexander hamilton. stays on the saw buck. abolitionist harriet tubman replaces andrew jackson on the face of the $20. that's not all. s

and change. >> reporter: the abolitionist who risked her life brieg hundreds of slaves to freedom is moving others to the back of the bill. >> reporter: having a woman on the $20 was really important. i think, harriet tubman will tell a story about what an individual can do to change the course of history. >> reporter: this wasn't the original idea. the treasury secretary planned for a woman to join alexander hamilton on the $10. but a broadway hit about the founding father and first treasury secretary meant new fans rallying around not a woman but hamilton himself. you are not denying that "hamilton the musical" played some part in all of this decision? >> i wouldn't exaggerate it. when i saw the show in august, i, i already at that point, told the -- the people i talked to, don't think this is going in place like you read about. because it's more complicated than that.

>> reporter: lew went bigger minting women place in history on the $20, $10, $5. the back of the $10. suffragettes like susan b. anthony, the $5 will feature eleanor roosevelt and showcase events at lincoln memorial like martin luther king's "i have a dream" speech. designs for all three bills will be unveiled in 2020. the 100th anniversary of women getting the right to vote. they will go into circulation in the years following. barbara howard has been pushing to get a woman on the $20. >> the $10 will be distributed in early 2021. we would look to hear the same commitment for the new $20. >> the issue with timing is security and making sure money can't be counterfited. scott ultimately it is up to the federal reserve. to decide when money goes into circulation. lew tells us, he is asking the fed to expedite that process. >> next door to the white house at the treasury. julianna goldman, thank you very

treasure of the golden age of jazz. long lost film of louis armstrong. nobody >> this is the only known footage of armstrong in a recording studio. here he is working on his 1959 album "king oliver" joe king oliver was his mentor. the film recently discovered after sitting in storage for decade. by the way, everyone called him louie, but he called himself louis.

we'll have that story ahead. the u.n. says as many as 500

week between north africa and italy when their boat sank. last year more than a million people made this voyage to escape war and poverty in north africa and the middle east. overnight, ecuador was hit with another strong quake. measuring 6.1. rescuers are digging through ruins. though more survivors from saturday's 7.8 quake are not likely. at least 100 people are missing. more than 550 were killed. coming up next -- an island that runs on everything but fossil fuel. blinds to go's new cascade shades. gentle diffused light when you want it. darkened privacy when you don't. modern elegance always. right now take 30% off our entire selection of beautiful cascade shades. let the sun shine in. or don't. it's all good. blinds to go.

blinds to go's new cascade shades. gentle diffused light when you want it. darkened privacy when you don't. modern elegance always. right now take 30% off our entire selection of beautiful cascade shades. let the sun shine in. or don't. it's all good. blinds to go. blinds for life. we close tonight on a tiny wind swept island in denmark, formerly a launching point for viking invasions now. the perfect conquest for mark phillips' continuing series, the climate diaries. >> reporter: it an off the beaten track place but a warming world is now beating a path to samso's door because this small

miles long and fewer than 4,000 people have already managed to get its green house gas emissions down to virtually zero. it hasn't used any miraculous new technology. instead, it is the old reliable renewables, wind and sun to make power. burning crop waste to produce heat. but it is not what samso has done it's how it has done it that caught the world's attention. >> i will follow you up, yeah. >> reporter: climb with soren hermanson, a leader in the environmental fame. you have to go a long way up to understand how it works. these wind turbines weren't put up by a big conglomerate in search of subsidies and profit. they were erected by local farmers and shareholders who saw that the island's economy could be improved and that they could cash in by investing in the environmental action. things look different when you

>> definite king of the world moment. >> we like the turbines better now because we own them. >> reporter: he earns as much selling wind and solar purr as he makes from cattle and crops. >> that will help pay back, two, three times. >> that turbine repaid itself, two, three times over. >> yeah. >> a very good feeling. >> reporter: the good news, samso's story has brought us here before. when we first visited nine years ago be found despite lack of fossil fuels, the morning shower was -- hot. >> it's still hot. but much has changed here including the shower curtain color. samso once considered at the radical edge of the response to climate change is now considered the model of how it should be done. now, at the energy academy here, politicians and environmentalists from around the world come to study the samso way. >> in japan they call it viking leadership.

>> yeah, they call it viking leadership. there is more, they're working on a scheme now to stop running the new ferry on fossil fuels and convert tight the methane that comes out of the back of the island's pigs. mark phillips, cbs news, samso. >> that's the "cbs overnight news" for thursday. for some of you the news continue. for others check back later for the morning news and cbs this morning. from the broadcast center in new york city. i'm scott pelley. hi, welcome to the overnight news. i'm demarco morgan. votes have been counted in new york but the road to the white house continues to roll through the east. five states hold nominating contests next tuesday. connecticut, rhode island, delaware, maryland, biggest

after a big victory. in her adopted home state. she received 58% of the vote in new york putting an end to a string of wins by bernie sanders. while the republicans, donald trump in a landslide. in fact the only county trump lost was manhattan, where he lives in his luxury high rise. major garrett has the story. >> reporter: victory was bigger than polls projected with donald trump securing 89 of 95 delegates. trump regained front-runner status with a blowout that left ted cruz on edge of elimination and john kasich as far behind as ever. probably not surprisingly, trump celebrated in classic new york style. i'm king of the hill >> reporter: donald trump strolled triumphantly into the victory party tuesday night casting himself as the the presumptive nominee. >> we don't have much of a race any more, based on what i am

senator cruz is just about mathematically eliminated. >> jubilation did not diffuse, trump's on going fight with the republican party. >> it is really nice to win the delegates with the votes. you know? it is really nice. the people aren't going to stand for it. it's a crooked system. it's a system that is rigged. >> reporter: cbs news exit polls showed almost 70% of republican voters said the candidate with the most votes should be the nominee even if he fails to win a majority of delegates. in philadelphia, ted cruz looked passed the new york shellacking and tried to condense the uphill campaign into a single some what halting message. >> america has always been best when she is lying down with her back on the mat and the crowd has given the final count. >> reporter: after a week of staff shakeups, trump signalled newly shaped campaign team is positioned for the fight ahead. >> my team has been amazing. you know it is actually a team of unity. it is evolving. people don't understand that.

delegates kasich some claim. as a trump alternative. and also will start trying to woo delegates align with marco rubio and even those recently attached to kasich and cruz. for the democrats, hillary clinton has 80% of the delegates. need to clinch the presidential nomination. her victory in new york has clinton looking for ward to november. nancy cordes has the the story. >> reporter: clinton's 16 point win outstripped predictions and put sanders on a collision course with mathematical reality. her aide immediately urged him last night to return to his vow not to go negative on the party's likely nominee. >> there is no place like home. >> celebrating in time's square, clinton extended an olive branch to sanders' voters. >> to all the people who supported senator sanders, i believe there is much more that unites us than divide us.

vermont wasn't as eager to make nice. >> i am really concerned. about the conduct of the voting process in new york state. >> did not allow registered independents who often favor him to vote. >> people should have the right to participate in a primary and vote for their candidate. >> sanders actually carried most of new york's counties. clinton won in metropolitan new york and the surrounding counties which were home to about 70% of the state's vote. clinton's aide argue the senator's tough new attacks on clinton, backfired. >> i do question her judgment. >> reporter: in pennsylvania last night. sanders insist heed can still catch up. >> when we stand together, there is nothing that we cannot accomplish. [ cheers and applause ] >> reporter: with a nearly insurmountable delegate lead.

than ever. >> the race for the democratic nomination is in the homestretch and victory is in sight. >> reporter: there were some issues during tuesday's primary. some irregularities at voting sites in brooklyn which led to some voters being turned away from polling stations. hundreds of complaints were filed. an audit of the city's board of elections ordered with support of mayor bill de blasio. turning to the delegate count. donald trump still need nearly 400 delegates to clinch the nomination. if he comes up short it will trigger a contested convention. after the first ballot, delegates would be free to vote for any one. juliana goldman its outside the future trump international hotel in washington with details on the battle for delegates. >> reporter: donald trump says he won't woo delegates putting

the art of courting delegates takes many forms and pushes boundaries. since the last republican contested convention was 40 years ago, campaigns and lawyers are trying to figure out how far the law can take them. >> you are basically saying, delegate, listen, we are going to send you to mar-a-lago on a boeing 757. >> donald trump has been lashing out at rivals saying they're essentially buying delegates' votes. >> it is a rigged system. it is a crooked system. is 100% crooked. >> campaign finance experts like attorney kenneth gross say he has a pin the. >> i don't think you will see any brown paper bags in cash with it. certainly you are going to see some efforts to influence these delegates in some way. >> reporter: federal law allows delegates to have their convention trips paid for as long as money isn't from businesses, labor unions, foreign nationals and federal contractors. generally, there are no limits

accept. and they don't have to report any of it. flights on private jets. nights in five-star hotels and dinners at gore may restaurants paid for by wealthy donors, super pacs or campaigns is perfectly legal. >> some of it may be innocent. let's go out for a drink. or it could be a lavish weekend somewhere. or it could be -- a promise for a position, specific position. >> reporter: at the last contested republican convention, delegates with promises of trips state dinners. ronald reagan countered with calls from hollywood pals, pat boon, jimmy stewart and john wayne. delegates tend to be lifelong political junkies. and in the end, convention veterans think they will be swayed not by the wining and dining but by good old-fashioned horse trading. >> would you look a job at the

would you look to be national chairman? all of these patronage jobs within the party and within campaigns, are going to be part of the -- the conversation. >> does it raise any corruption questions? >> sure. it's a narrow band. walking. right. job for a vote. >> reporter: there is a patchwork of anti-corruption and bribery laws that apply to votes during elections but its unclear if they've also apply to votes >> the "cbs overnight news" will be right back. hi, anne. how are you doing? hi, evelyn. i know it's been a difficult time since your mom passed away. yeah. i miss her a lot, but i'm okay. wow. that was fast.

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for your loved ones. call about the colonial penn program now. hey ladies, heard the good news? spray 'n wash is back... and even better. it's powerful formula removes everyday stains the first time. which is bad news for stains, and good news for you. spray 'n wash. back 'n better. there is a scandal in the life insurance industry. it turns out a lot of americans pay life insurance premiums, but there is a policy. then when they die, the life insurance company some times just keeps the money. it sparked lawsuits and a federal investigation.

"60 minutes." the beneficiary never comes forward he or she doesn't know the policy exists. >> reporter: the companies know says kevin mccarty, the insurance commissioner of florida who led the national task force investigating the industry. and the companies don't pay, he says, unless a beneficiary makes a claim. >> what we found is that companies have actual knowledge in their files that people have died yet they have neglected to initiate an investigation and pay the claim. >> in other words, life insurance companies are faelg to pay out death benefits when they know the person is dead and they're claiming they don't know. >> in many cases that has been exactly what we have found. >> when you found that -- what, what, went on inside you. >> my first instinct was unleash

them and expose them for the, for the, for the unconscionable indefensible behavior that, that was going on. >> reporter: he says some of the policies are worth more than $1 million. but most are valued at less than $10,000. >> good morning, joe. >> reporter: as the a result of audits, joseph bigany got a long overdue payment of more than $5,000 from his sister's policy. >> i was administrator of her estate when she died in june 1990. we didn't know anything about this at all. >> you are talking millions of

that we are dealing with just here in florida. >> reporter: jeff atwater chief financial officer of florida in charge of regulating the state's insurance industry. >> you can assume from what we have fund that the policies that should have been paid out in the 60s, in the 70s, in the 80s, in the 90s, were never paid. >> you are saying it is part of their plan? >> after all we have looked at, leslie, hard to imagine. this is not a small dollar amount, they stay in investment accounts of the companies rather than return monies to the families. >> tell us big names? >> all large names, john hancock, met life, prudential, many of these come pans have down with us and made right. >> reporter: no one disputes the insurers pay out on policies when the beneficiary files a proper claim. but says kevin mccarty of florida, many of the companies routinely and deliberately disregarded evidence in their own files that the policy holders had died. unless someone filed a claim, he says the companies would cancel the policy and keep the death benefit for themselves. >> here is a life insurance policy issued in florida in january, 2002. insurer died in april of 2008.

insurance company's file, a copy, scanned copy of the death certificate. and the accompanying envelope which displayed the spouse's return address. >> reporter: the spouse's address on it. >> right here. >> reporter: let me see. >> less than one month after the death. the policy was terminate ford nonpayment. >> reporter: industry lobbyists like this one at a recent hearing in florida argue that the burden falls on the ben fish ears. >> we all enter into contracts every day. and if you sign that contract, you are obligated to know what is in it. >> the companies argue that in the policies that these people signed it says black and white that they have to make the claim and show up with the, a copy or the policy itself. >> yeah. >> they don't do that we don't have an obligation. >> the florida law says something. look at it in terms of the contract but responsibilities

code. i am here to say that you have a spent to investigate a claim if you know someone has died. and if you have a letter that says you are decease you'd have actual knowledge the person has died. >> reporter: insurance come pans are regulated separately by each state. and he says, similar laws are on the books across the country. state regulators first got wind of the insurance industry practice from jim hartly and jeff drubner who run a technology auditing company, veris financial. based on an insider tich in 2006, drubner employing techniques used as an fbi agent combed through insurance company data and discovered the insurers were using the social security death master file which is a constantly updated list of people who have died in the united states. what was the significance that they were using the death master file for something? >> i knew at that point. >> they knew who is alive and

>> they know who they inshurd. if they have a list of everybody that passed away i knew that they new. >> reporter: what us the next step? >> the next step was speak to the states. there wasn't one treasurer, one controller or one attorney general who didn't have a reaction that this, this sthunt be allowed to happen. we have to fix it. >> reporter: drubner went on to discover most insurance companies use the death master file only when it was to their advantage to cut off annuity or retirement payments once the policyholder died. but they didn't then notify the life insurance side of the company. >> we have actual cases, lessly, where a policy holder had both an annuity and a life policy. and they term nated the annuity. and they knew the person was dead. >> claimed over here that they didn't know he was dead. >> leslie, when we went in and looked at the memos. the right side told the left side.

>> saw it in the audits. >> saw it in the audits. >> something else they saw in the audits related to whole life insurance policies. that in addition to a death ben fit, build up a cash nest egg like a 401(k). what they found is that when a beneficiary did not come forward, the company continued to pay themselves premiums out of the dead person's nest egg. in this $20,000 policy for instance, the nest egg was drained down, more than $9,000, to zero, after the person had died. california controller betty yi says that kind of siphoning off was widespread in cases where beneficiaries did not come forward. >> how could you not be outraged by this? >> reporter: she says in a third of the cases there was evidence of death in the file. >> here we have the policyholder. >> reporter: the actual file

deceased? >> yes. in large, large, unmistakable letters. >> deceased and date of death. >> reporter: still they didn't stop paying themselves? >> no, no. you would have thought with that kind of indication, the next step would be to confirm that, by looking at the death master file and beginning the claims process with the family member. >> reporter: they didn't. >> they didn't. >> reporter: when the cash was all used up. the companies cancel the policy. under the law, they're allowed to pay themselves premiums using their customer's accumulated cash, while they're alive. florida's mccarty says the law was originally intended as a way to protect consumers. >> for instance if you have a life policy and you lose your job and you can't make your premium payment, they will take some of the cash value that is built up in your policy, and pay the premium. which is great for consumer er protection. >> reporter: but in this situation after they died -- i think it is tantamount to stealing when you know, you know

and you drain the policy. now if you think about that. if you would have explained that trying to sell the policy. >> reporter: at the beginning. >> sitting in your kitchen and saying, you know, you have got all of these symbols of security and financial stability. we are going to be there for you with your family in their grief. but they say, oh, by the way. if you stick that policy in a shoe box and stick it in your closet not only are we not going to look for you but we are going to take all the cash value in it. >> see the full report on our website. cbsnews.com. the "cbs overnight news" will be right back. dry is everything. have you tried dove advanced care? advanced care? 48 hours wow just give it a try! hehe feels nice oh my gosh ok this is very very smooth. i am not messing around it's soft. i did not know that antiperspirant can actually make my skin feel good. your antiperspirant should give you more

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the home renovation show, "love it or list it" is one of the most popular cable shows for fixer uppers. now the production company is being sued by a couple who doesn't like what be came of their home. manuel bojorquez has the story from north carolina. >> after the big reveal, the home renovation here, the cameras stopped rolling. and then the couple claimed despite it appearing tv ready, a closer look revealed a very different reality. the hgtv reality show, bills itself a hit tv series that apales to homeowners in search of a new home to better suit their need. >> what they now need from a home. >> reporter: in each episode a home is renovated owners decide they've love it and want to stay

it all build up to a big reveal at the end of the show like dina murphy and timothy sullivan. >> decisions made. >> are you going to love it? or are you going to list it? >> we've decided to -- for frz. >> list it. >> nearly seven months later, murphy and sullivan have yet to list it or move in. they filed a lawsuit against the contractor and the canadian company big coat tv that produces the show. the couple claims the renovations were disastrous. alleging their $140,000 was essentially used to create a stage set for this a television series. >> this is not like a free makeover. >> no, not at all. >> we took out a substantial loan for this. and you know, put in some of our

that we took out. >> sullivan and murphy declined to comment on the specific damage reciting the pending lawsuit. their allegations include damaged stained floor boards. open holes, low grade carpeting over chipped concrete and unpainted surfaces. the couple's attorney claims poor workmanship occurred because big coat tv, the production company was acting as general contractor during the renovation after taking his client's money. >> for the homeowners here this is a renovation project. and for big coat it is a tv show. what we allege is that big coat hired contractor who did substandard work. >> this is the lifs room. >> reporter: the lawsuit claims the contractor received about $85,000 of their money and that the production company pocketed the rest. approximately $55,000. in a statement to cbs this morning, toronto based big coat productions said it has completed more than 250 renovations without an issues. and that the claim is in no way

the case. >> we feel stressed out. we feel sad. really disappointed. >> you came into this with a, almost a sense of excitement it seems, right? >> we were excited. >> we were excited for the home. >> the couple also claims they paid an additional $11,000 of so-called change fees when they asked for alterations to the original renovation plans. the lawsuit also says it claims that the reality show is heavily scripted with people on camera including the homeowners, being told what to say and how to act. >> "cbs overnight news" will be abcdefghijklmnopqrstuvwxyz 12345 abcdefghijklmnopqrstuvwxyz 67890 maint. testing pc-17 f1 abcdefghijklmnopqrstuvwxyz 12345 abcdefghijklmnopqrstuvwxyz 67890 maint. testing pc-17 f1 abcdefghijklmnopqrstuvwxyz 67890 maint. testing pc-17 f1 abcdefghijklmnopqrstuvwxyz 67890 cbs caption test !!! maint. testing pc-17 f1 abcdefghijklmnopqrstuvwxyz 67890 cbs caption test !!! abcdefghijklmnopqrstuvwxyz 12345 abcdefghijklmnopqrstuvwxyz 67890 cbs caption test !!! abcdefghijklmnopqrstuvwxyz 12345 abcdefghijklmnopqrstuvwxyz 67890 cbs caption test !!! abcdefghijklmnopqrstuvwxyz 12345

cbs caption test !!! maint. testing pc-17 f1 abcdefghijklmnopqrstuvwxyz 12345 abcdefghijklmnopqrstuvwxyz 67890 maint. testing pc-17 f1 abcdefghijklmnopqrstuvwxyz 67890 cbs caption test !!! maint. testing pc-17 f1 abcdefghijklmnopqrstuvwxyz 67890 cbs caption test !!! maint. testing pc-17 f1 abcdefghijklmnopqrstuvwxyz 12345 abcdefghijklmnopqrstuvwxyz 67890 cbs caption test !!! abcdefghijklmnopqrstuvwxyz 12345 abcdefghijklmnopqrstuvwxyz 678 it's ryan's cell phone. gibbs: isolate calls from psy-ops, government-issued lines. there's five or six different numbers here. cross-reference with incoming calls to banks over the past month. when the engines failed on the plane i was flying, i knew what to do to save my passengers. but when my father sank into depression, i didn't know how to help him. when he ultimately shot himself, he left our family devastated. don't let this happen to you. if you or a loved one is suicidal, call the national suicide prevention lifeline. no matter how hopeless or helpless you feel,

(franklin d. roosevelt) the inherent right to work is one of the elemental privileges of a free people. endowed, as our nation is, with abundant physical resources... ...and inspired as it should be to make those resources and opportunities available for the enjoyment of all... ...we approach reemployment with real hope of finding a better answer than we have now. narrator: donate to goodwill where your donations help fund job placement and training for people in your community. your credit card can be at risk every time you swipe. a scam called atm skimming, thieves steal your numbers, duplicate your card and you never know until you see your statement. josh elliott has the story. >> skimming as you mentioned is an expanding scam growing exponentially in rate of occurrence.

numbers by affixing an illegal card-reading device to an atm. then, hidden cameras record your pin number when you enter it on the key pad and it is done. >> i did research into the transactions on my bank account. maybe i did go to subway. until you saw it was in canada. >> reporter: matt says he used his bank card at an atm inside harrah's casino during a night out in atlantic city. the next morning, hours later he found more than a dozen fraudulent charges on his bank account. >> missed call from the fraud department of my bank. looks like your card has been skimmed. they froze the account. >> reporter: was there a sense of i can't believe this happened to me? >> made a joke, went to atlantic city. only reason i lost money it got stolen by a criminal. >> software company, fico, audits atms nationwide says instances of skimming rose 546% between 2014 and 2015. >> we monitor all of the atm

>> t.j.horan, vice president of fraud solutions at fico says 60% of skimming incidents were reported at atms not affiliated with a bank. >> convenience store, gas station. organized crime rings found out there is weakness here. >> fico says skepticism at the atm can save you hassle. dan ackerman from c-net showed us how to pre seed with caution. >> when you go to an atm, independent or bank branch. take a look at the card slot. take my hand. wiggling it. seeing if there is obvious seams. looks like something doesn't fit. >> reporter: electronic fund transfer act means consumers usually are not liable for fund stolen from their account through fraud such as skimming.

money in one business day and told him how the fraud works. >> basically someone had gotten my number. printed imprinted it into a physical plastic card and were using it as point of sales swipe at different places. >> somebody is effectively using multiple copies? >> sure. >> of your card? captioning funded by cbs it's thursday, april 21st, 2016. this is the "cbs morning news." after his big win in new york,