Reprinted from the Federal Trade Commission’s Consumer Advice
Recognizing these common signs of a scam could help you avoid falling for one.
Four signs that it’s a scam
Scammers often pretend to be contacting you on behalf of the government. They might use a real name, like the Social Security Administration, the IRS, or Medicare, or make up a name that sounds official. Some pretend to be from a business you know, like a utility company, a tech company, or even a charity asking for donations.
They use technology to change the phone number that appears on your caller ID. So the name and number you see might not be real.
They might say you’re in trouble with the government. Or you owe money. Or someone in your family had an emergency. Or that there’s a virus on your computer.
Some scammers say there’s a problem with one of your accounts and that you need to verify some information.
Others will lie and say you won money in a lottery or sweepstakes but have to pay a fee to get it.
Scammers want you to act before you have time to think. If you’re on the phone, they might tell you not to hang up so you can’t check out their story.
They might threaten to arrest you, sue you, take away your driver’s or business license, or deport you. They might say your computer is about to be corrupted.
They often insist that you pay by sending money through a money transfer company or by putting money on a gift card and then giving them the number on the back.
Some will send you a check (that will later turn out to be fake), tell you to deposit it, and then send them money.
What you can do to avoid a scam
Don’t give your personal or financial information in response to a request that you didn’t expect.Legitimate organizations won’t call, email, or text to ask for your personal information, like your Social Security, bank account, or credit card numbers.
If you get an email or text message from a company you do business with and you think it’s real, it’s still best not to click on any links. Instead, contact them using a website you know is trustworthy. Or look up their phone number. Don’t call a number they gave you or the number from your caller ID.
Report scams to the FTC
If you were scammed or think you saw a scam, report it to the Federal Trade Commission.