Scams often begin with what appears to be an innocent email, phone call, or text message, usually designed to prompt the recipient into action. Once you provide the requested information, scammers act quickly, potentially causing you to lose hundreds or even thousands of dollars. Recently, scams involving impersonation of law enforcement and the Department of Transportation have affected nearly everyone with a social media account or even a smartphone. The best way to protect yourself from these scams is to know how to identify them and how to avoid becoming a victim.
Debit Card Scams
In this type of scam, the scammer calls you, claiming to be from your bank, to warn you that your card has been compromised. During the call, they will ask if you have your card and will request that you confirm the card number, expiration date, and security code. Once you confirm this information, they instruct you to destroy your card, saying that a new one will be ordered. What is happening is that they are using your information to steal money from your account.
Fake Websites
Everyone wants a good deal, so it’s important to be cautious of offers that seem too good to be true. Scammers often create fake websites or social media ads to promote deals on popular items. When you visit these sites, you may be prompted to enter your personal and payment information, which can lead to financial loss and identity theft.
Other Scams
In addition to debit card scams and fake websites, there are numerous investment, romance, and charity scams. In these cases, scammers try to gain the consumer’s trust before asking for money. Gift cards are often requested for these types of scams.
What to Do
If you receive a phone call from someone and are unsure of the company or person they represent, simply hang up. If you suspect it could be a legitimate call, find a phone number independently (not from the caller ID or the number provided by the caller) and call back. Be wary of urgency. Scammers frequently create pressure to get you to act based on emotions. Take a moment to reconsider and discuss the situation with someone you trust to gain another perspective. If you receive a request for payment via gift cards for utilities, fees, or winnings, it is likely a scam. Legitimate companies do not request payment in the form of gift cards.
In an age where sharing information is common, remember that your personal information should not be shared with anyone you are not already connected with. Sharing too much online can provide scammers with the information they need to initiate a scam.
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