The internet has made it easier than ever for scammers to reach potential victims, and even the savviest individuals can fall prey to their tactics. As scammers continue to evolve and adapt their methods, it’s important to stay vigilant, so in this article, we’re exploring 18 key indicators that can help you identify a phone scam before it catches you off guard.
Verify Unexpected Prizes or Winnings
If a call sounds too good to be true, like announcing a surprise win, it probably is. This is a common tactic used to get you excited and use your excitement to take money from you. If you get a call claiming that you won something, look up the competition online to check its legitimacy.
Beware of Requests for Remote Access
Never allow remote access to your computer or phone unless you are absolutely sure it is from a verified service provider. Scamwatch says scammers may request remote access to fix a supposed problem or to help you in some way, but this can lead to data theft or other security risks. Always verify the caller’s identity before allowing any access.
Recognize Suspicious Caller ID
Always be cautious if the caller ID resembles a known business but the call feels off. You can usually find the official number of most companies on their website. Make sure the one that is calling you matches, or you can even call the one on the website just to be sure.
Question the Urgency
Scammers often use pressure tactics to make you act quickly and without thinking. Scammers will try to tell you that their deal has a time limit to get you to act immediately. Remain calm and simply tell them to give you more time to think about it.
Beware of Payment Requests
No reputable company will force you to make payments through insecure platforms or under pressure. These days, most companies accept payments online and they’ll have no reason to call you to make your payment on the phone. Never give your financial details to anyone on the phone.
Be Wary of Unsolicited Help Offers
Always be skeptical of unexpected help offers, especially those involving computer or account issues. Think about it; how would anyone know that you need help with your computer? Even if you need help, get it directly from the manufacturer of your gadget if you’re getting help online. Otherwise, go do it in person.
Guard Your Personal Information
Protect your personal details, like your birthday, social security number, and bank account information. This information should never be shared over the phone or anywhere that isn’t an official website. Scammers can use this information to steal your identity or commit fraud.
Hang Up and Call Back
If you’re unsure who’s really on the other end of the line, hang up and call the official number. Check the company website or a company directory to verify the number that is calling you. If you have any doubts, hang up the phone and contact the business another way. You can use email or the chat feature on the website.
Avoid High-Pressure Tactics
Scammers often try to make you act quickly by creating fake emergencies or deadlines. If you feel pressured to make a decision right away, it’s a good idea to slow down and think things through. Always take your time to confirm the details and never rush just because someone insists it’s urgent.
Understand the Signs of Scam Calls
Scam calls can often be recognized by specific phrases and tactics that differ from normal business calls. Scammers may use certain cues or tell inconsistent stories to trick you. By learning these common signs, you can quickly tell if a call might be a scam.
Know the Characteristics of Legitimate Calls
Real companies will always respect your privacy and communicate clearly without forcing you to make quick decisions. They handle calls professionally and will never ask for personal or financial information in a way that feels rushed or suspicious. Understanding how genuine businesses operate can help you distinguish them from scammers.
Monitor Threats and Intimidation
Threatening behavior is a clear sign of a scam. If a caller tries to intimidate you by threatening legal action or other consequences, be wary. Real companies do not resort to such tactics. Can you imagine Nike threatening you on a phone call so you can buy their sneakers? Probably not.
Challenge Information Consistency
A useful way to spot a scammer is to check if their story holds up. Ask detailed questions to see if their information remains consistent. Scammers often change their story under pressure, revealing the fraud. Question them so you can uncover their lies and protect yourself from potential scams.
Be Cautious with Caller Flattery
Be skeptical if a caller begins by giving you compliments, especially if they soon ask for personal information or money. Scammers use flattery to lower your defenses and make you more receptive to their requests. Always keep a clear head and question the motives behind excessive praise.
Spot Fake Debt Collection Calls
If someone claims you owe money, verify this information directly with your creditor before taking any action. Don’t send any money to anyone without checking if you actually owe something. Even if you have debt, it is highly unlikely that the collector will ask you to make the payment through the phone.
Recognize Fake Charity Solicitations
Scammers often exploit generosity by mimicking charities, especially during times of crisis. The Federal Trade Commission says, “Scammers often refuse to send you information about the charity. They won’t answer questions or explain how the money will be used. They might even lie and say you already made a pledge to donate.”
Watch for Odd Call Times
A call at an odd hour can be a strong indicator of a scam. Legitimate businesses have business hours and rarely try to contact you outside of them. It is highly suspicious for someone to call you late in the night or very early in the morning to discuss finances.
Educate Others About Phone Scams
Sharing knowledge about scams helps protect your community and prevents the spread of fraudulent practices. This is especially important if you have elderly parents who might fall victim to these scams. Age Space recommends taking seniors off mailing lists so they don’t get overwhelmed by their inboxes.
