When was the last time you received a phone call or email from a scammer? It you were contacted recently, you aren’t alone.
Internet scams show no signs of letting up. In fact, the problem may be getting worse. In its most recent report from the Internet Crime Complaint Center (IC3), the FBI said it saw the largest number of complaints and the highest dollar losses reported since the center was established 20 years ago.
The FBI said it recorded 467,361 complaints in 2019 and more than $3.5 billion in losses to individuals and businesses.
The costliest scams involved business email compromise, romance or confidence fraud, and mimicking the account of a person or vendor known to the victim to gather personal or financial information, the FBI said.
“Criminals are getting so sophisticated,” Donna Gregory, the chief of IC3 said. “It is getting harder and harder for victims to spot the red flags and tell real from fake.”
But you can avoid becoming a victim with vigilance and common-sense steps.
Here is one example from the Federal Trade Commission (FTC): You may receive an email that appears to be from a company you are familiar with, such as Netflix. Not everyone subscribes to Netflix, but tens of millions do.
You receive the email requiring that you update credit card or bank information for payment. If you comply, you’ve given criminals personal information they can use to steal from you. (If you are unsure, go to the website of the company and check your information there.)
Also be careful about clicking on links or attachments that could compromise your personal information or lock up your computer. Use these four steps to protect yourself from phishing:
Please note that some of these email/texts now include a warning not to give out the passcode to anyone. Why is this needed? Some scammers will attempt to log into your account, then call claiming they are from that company and need your passcode. Just hang up.
7. Steer clear of the fake Facebook page Scammers sometimes set up a fake Facebook page of a well-known company. Scammers then add a post claiming they will give away autos, free airline tickets, or thousands of dollars to “hundreds of lucky winners.” Simply share the post, comment, click on a provided link, and fill out the requested information. If you look at the FB page, you’ll notice it’s brand new as there are few posts, and it lacks a verified FB badge indicating its authenticity. However, you’ll see hundreds of individuals who have dutifully complied with the scammer’s requirements. Sadly, they will win nothing but grief.
What to do if you are scammed
Be vigilant and use common sense. Anyone can fall victim to these scams. If you have paid someone, call your bank, money transfer app, or credit card company and see if they can reverse the charges.
If you gave personal information, go to [[https://www.IdentityTheft.gov IdentityTheft.gov]] to see what steps you should take, including how to monitor your credit.
Did a scammer take control of your cell phone number and account? Contact your service provider to take back control of your phone number. Once you do, change your account password. Passwords should be lengthy and include numbers, letters, special characters, and capitalized letters. Short passwords can easily be hacked using computer programs.
When you report a scam, the FTC can use the information to build cases against scammers, spot trends, educate the public, and share data about what is happening in your community. If you were scammed, report it to the FTC at ReportFraud.ftc.gov.
Finally, be vigilant and use common sense. Avoid clicking on suspicious links, and never give out personal information to a stranger over the phone. You’d never tell your best friend your annual income, so why would you give a suspicious caller your passwords, bank information, date of birth or your Social Security number