Telephone scams are a common way for criminals to steal personal and financial information from unsuspecting victims. These scams can be very convincing, and it is important to be aware of the red flags so that you can protect yourself.
One common type of telephone scam is called “spoofing.” This is when the scammer uses a technology called Caller ID spoofing to make it appear that the call is coming from a legitimate company, such as a bank or credit card company. The scammer will then use a variety of techniques to try to convince the victim to give up their personal and financial information, such as their Social Security number, bank account number, or credit card number.
Another common type of telephone scam is called “phishing.” This is when the scammer sends an email or text message that appears to be from a legitimate company. The email or text message will often contain a link that, when clicked, will take the victim to a fake website that looks like the real website of the company. Once the victim enters their personal and financial information on the fake website, the scammer can steal it.
Here are some tips to help you avoid telephone scams:
- Do not give out personal or financial information over the phone unless you are sure who you are talking to. If you receive a call from someone claiming to be from a company, hang up and call the company directly using the number on their website or on your statement.
- Be suspicious of any caller who asks for your personal or financial information. Legitimate companies will not ask for this information over the phone.
- Do not click on links in emails or text messages from unknown senders. These links may take you to a fake website where the scammer can steal your personal and financial information.
- Be aware of Caller ID spoofing. Just because the caller ID says the call is coming from a legitimate company does not mean that it is.
- Keep your software up to date. Software updates often include security patches that can help protect you from scams.
If you think you have been the victim of a telephone scam, there are a few things you can do:
- Report the scam to the Federal Trade Commission (FTC). You can do this online at ftc.gov/complaint or by calling 1-877-FTC-HELP.
- Contact your bank or credit card company and report the fraud. They will be able to cancel your cards and protect your accounts.
- Place a fraud alert on your credit report. This will make it more difficult for someone to open new accounts in your name.
By being aware of the risks and taking steps to protect yourself, you can help avoid becoming a victim of a telephone scam.
