Have you ever received an email from someone claiming to be royalty? They tell you that they are inheriting millions of dollars, but need your money and bank details to get their inheritance. You know this email is a scam, so you delete it. Yet there are many more scams that sound more believable and aren’t as easy to spot. Learning to identify and avoid these scams is the first step in protecting yourself. Senior Citizens are often particularly vulnerable to some of these fraud campaigns.
Scammers who operate by phone can seem legitimate and are typically very persuasive. To draw you into their scam, they might:
- Sound friendly, call you by your first name, and make small talk to get to know you
- Claim to work for a company or organization you trust such as: a bank, a software or other vendor you use, the police department, or a government agency
- Threaten you with fines or charges that must be paid immediately
- Mention exaggerated or fake prizes, products, or services such as credit and loans, extended car warranties, charitable causes, or computer support
- Ask for login credentials or personal sensitive information
- Request payments to be made using odd methods, like gift cards
- Use prerecorded messages, or robocalls
If you receive a suspicious phone call, the easiest solution is to hang up. You can then block the caller’s phone number and register your phone number on the National Do Not Call Registry (https://www.ftc.gov/donotcall).
Phishing emails are convincing and trick many people into providing personal data. These emails tend to be written versions of the scam phone calls described above. Some signs of phishing emails are:
- Imploring you to act immediately, offering something that sounds too good to be true, or asking for personal or financial information
- Emails appearing to be from executive leadership you work with requesting information about you or a colleague that they usually do not request (for example, W2s)
- Unexpected emails appearing to be from people, organizations, or companies you trust that will ask you to click on a link and then disclose personal information. Always hover your mouse over the link to see if it will direct you to a legitimate website
- Typos, vague and general wording, and nonspecific greetings like “Dear customer”
Beware that many scam and phishing emails look legitimate. An email pretending to be a company might contain pictures or text mimicking the company’s real emails. If you’re unsure about an email you received, there are some steps you can take to protect yourself:
- Do not click links or open attachments in emails you were not expecting
- Do not enter any personal, login, or financial information when prompted by an unsolicited email
- Do not respond to or forward emails you suspect to be a scam
- If in doubt, contact the person or organization the email claims to have been sent by using contact information you find for yourself on their official website
If you get scam phone calls or phishing emails at home, hang up or delete the emails. If you get scam phone calls or phishing emails at work, let your organization’s security or Information Technology team know so they can help protect others from these scams. Additionally, you should educate your parents and grandparents on these scams, as they are becoming only more and more common.