Every day, phone scams trick thousands into forfeiting their privacy and funds. Armed with a variety of deceitful tactics, scammers are constantly refining their approaches. Protecting yourself requires knowing the signs and understanding how to react effectively.
Hang Up on Robocalls
If you answer the phone and hear a recorded message instead of a live person, it’s a robocall. These are often illegal and frequently used for scams. Hang up immediately; do not press any numbers.
Use Caller ID with Caution
While caller ID can help identify callers, scammers can spoof phone numbers to appear legitimate. Take the caller ID with a grain of salt and verify the caller’s identity independently. Always question unexpected calls, even if they seem to come from a familiar number.
Know the Red Flags
Scammers often create a sense of urgency to pressure you into making quick decisions. They might claim you’ve won a prize or owe an urgent debt. Be wary if you’re asked to act quickly.
Don’t Disclose Personal Information
Never share personal details like your Social Security number or bank account information over the phone. Scammers can use this information to steal your identity. Only provide personal information when you have initiated the call to a trusted number.
Verify Charities Before Donating
If someone calls asking for donations, verify the charity is legitimate before giving. Scammers often exploit generosity by posing as charities. Research the charity online to ensure it’s credible.
Register with the National Do Not Call Registry
Signing up with the National Do Not Call Registry can reduce the number of unsolicited calls you receive. It’s not foolproof, but it helps. Remember that legitimate companies respect these listings, while scammers might not.
Be Skeptical of Payment Requests
Scammers often ask for payment via wire transfer, gift cards, or other untraceable methods. Legitimate businesses do not typically operate this way. Always be skeptical of any request to send money in these forms.
Take Your Time
Pressure to act immediately should raise a red flag. Real businesses understand if you need time to think and confirm details. Always take time to make a decision.
Ask for Written Information
Request that any offers or charity donation requests be sent in writing. This allows you to verify the authenticity of the caller’s claims. Scammers are unlikely to comply with such requests.
Avoid Unknown Numbers
If you don’t recognize a phone number, let it go to voicemail. Legitimate callers usually leave a message. This gives you time to think about the next step without pressure.
Consult Others
When in doubt, talk to friends, family, or financial advisors before making decisions based on a phone call. Scammers count on you to make decisions in isolation. A second opinion can provide perspective and validation.
Educate Yourself on Scam Tactics
Learn about the latest scam tactics by visiting websites like the FTC or consumer protection sites. Awareness is a powerful tool against scams. The more you know, the less likely you are to be deceived.
Set Up Phone Security Features
Use available tools and settings on your phone to block unwanted calls. Many phones and carriers offer services that help filter out potential scammers. This can reduce the number of fraudulent calls you receive.
Monitor Your Accounts Regularly
Keep a close eye on your bank and credit card statements for any unauthorized transactions. Early detection of suspicious activity can prevent further damage. Set up alerts to notify you of unusual activities.
Create a Call Screening Question
Develop a question that any unknown caller must answer before you discuss any details. This can be something only legitimate contacts would know. Scammers will likely fail this test.
Record Suspicious Calls
Inform callers that you are recording the conversation. This can deter scammers, as they prefer not to leave evidence. Always check local laws about recording calls first.
Report Scams
Report any suspected scam calls to authorities like the FTC or your local consumer protection office. This helps track scam patterns and can prevent others from being victimized. Reporting also helps authorities take action against scammers.
Use Secure Apps for Payments
When you need to make payments over the phone, use secure and verified apps or websites. These provide better security and recourse in case of fraud. Avoid making payments directly over the phone unless absolutely necessary.
Change Your Number if Necessary
If you continue to receive numerous scam calls, consider changing your phone number. While this is a last resort, it can effectively disrupt frequent scams. Notify only trusted contacts of your new number.
Understand Caller Rights
Familiarize yourself with what callers can legally do. For example, it’s illegal for telemarketers to call before 8 a.m. or after 9 p.m. Knowing these rules can help you spot illegitimate calls.
Watch for Area Code Spoofing
Be cautious of phone numbers that mimic local area codes. Scammers use this tactic to make calls appear more trustworthy. Always verify the identity behind the number, regardless of the area code.
Keep Software Updated
Ensure your phone’s software is up-to-date. Updates often include security enhancements that protect against scams. Manufacturers continually work to stay ahead of scammers with new technology.
Educate Vulnerable Family Members
Discuss phone scam awareness with elderly family members or those who might be more vulnerable. They are often targeted by scammers. Regular conversations can prevent them from falling victim to common tricks.
