And How To Protect Yourself From Them
Criminals and con artists use many schemes and techniques (known as scams) to target unsuspecting people to get access to their money. Consumer scams happen on the phone, through the mail, e-mail, or over the internet. They can occur in person, at home, or at a business. R.O.S.E. will show you several steps you can take to protect yourself, your money, and others from fraud and scams.
A few of the ways to protect yourself and your money:
- Talk to a trusted family member or friend before taking any action.
- Verify, verify, verify before trusting.
- Do not answer the phone when you do not know the number - if it is important, they will leave a message.
- Do not click on links in an email or text when you are not familiar with the sender.
- If your computer starts making a constant, loud noise and a pop up comes up to call a number to help - do not call the number, turn your computer off.
- The IRS or Social Security Office will not call you, they will contact you via mail. Hang up on the caller.
- Do not share your bank account information with anyone.
- Do not pay anyone you don’t know with prepaid giftcards.
Scammers will call you pretending to be from the IRS, Social Security, Medicare, and other agencies. They will ask for your personal information, typically your Social Security or Medicare number in order to steal your identity. Or they will tell you that your social security number and bank accounts are frozen and you need to send money in order to access your bank account.
Also known as Phishing, scammers use email or text messages to trick you into giving them your personal information. They may try to steal your passwords, account numbers, or Social Security number. If they are successful, they could gain access to your email, bank, or other accounts. Thousands of phishing attacks like these are launched every day, and they’re often successful.
Sadly, another common scam includes exploiting grandparents’ love and concern for their grandchildren, and typically goes something like this: The grandparent gets a call from someone posing as his or her grandchild. This person explains, in a frantic-sounding voice, that he or she is in some kind of trouble, such as an accident, or an arrest. They need money to get out of jail or pay an attorney from the accident.
Adults of all ages are going online in hopes of finding love and companionship. Scammers know this and are trolling social media and dating sites. They will engage with you promising friendship, love and sometimes marriage but they need money for a variety of reasons. They say the right words to keep you engaged and they always have a need for your money.
Computer Tech Support Scams
Scammers take advantage of your reasonable concerns about computer viruses and other threats, but their real goal isn’t to protect your computer. Instead, they want to sell you useless services, steal your credit card number, or install malware, which lets them see everything on your computer.
Phone Scams/Robo Calls
Scammers will call you or text you for a variety of different scams; tech support, prize, lottery, or sweepstakes scams. They want you to pay for a service you do not need or pay money in order to receive the prize, lottery or sweepstakes you won. Sometimes they act friendly and helpful and other times, they might threaten or try to scare you. They want your personal information to access your bank account or computer.