Beware! Imposters are everywhere! When the phone rings, do
you know who is calling before you answer or who sent the mail you just opened?
When at your computer or on your smart phone, do you know who sent the email in
your inbox? Do you know who created that pop-up message on your screen? All of
these methods and many more are being used by scammers who are not what they
may seem to be.
Signs of an Imposter Scam
Here are some common indicators that you are dealing with an
for personal information. Examples include: date of birth, social security
number, Medicare ID number, credit card numbers, or bank account numbers.
for payment of any kind. No contest, prize or grant recipients have to make
payment to receive their winnings or award.
for payment by wiring money or pre-paid debit cards. Providing money through
either of these is the same as giving someone cash and it is not likely that it
can be traced or retrieved once given.
and urgency. The more threatening the call – you’ll be arrested, have to go to
court, have your credit ruined the more likely it is from an imposter. Calls
requiring urgent action from someone you do not know are likely made by
for secrecy. This is especially true for appeals for financial assistance from
relatives who say “Don’t tell my mom and dad.” Or for calls about winning a
prize where you are told by the caller you can’t tell anyone else about it
until you have received your winnings.
Imposter Phone Scams
IRS or Department
of Treasury. Threatening calls that you must pay now for tax violations. The
IRS will not contact you by phone. They would contact you by mail. They will
not make threats.
Grant Award. Do not be fooled by the 202 area code look like the call is coming
from Washington, D.C. These unsolicited grants are not awarded. In the rare
case where someone receives a grant they did not apply for, no payment is
required to receive the grant.
or Affordable Health Care Act. The caller claims to be a government
representative insisting that you provide personal identification information
and/or pay a fee or face loss of benefits. Government agencies will contact you
by mail, not by phone. They will not make threats on the phone.
Enforcement or Government Agency. The caller may threaten deportation but for a
fee will assist you to get your certification. They hope you will be scared
enough to part with money and/or personal identification information. Or a
caller may claim that a foreign dignitary who needs your help with a money
transfer is “legitimate”. No law enforcement or government agency makes these
kinds of calls.
or Prize Winner. Often these calls come from an 876 area code, which is
Jamaica. The caller says you have won but an administrative fee, shipping, or
taxes need to be paid. You never have to pay for a prize or winnings.
Assistance. Also known as the “Grandparents Scam”. These callers prey on the
goodwill and desire to help family. The caller will say they are a family
member, usually a younger one, in some kind of trouble needing immediate
financial assistance. These scammers will feed off of information you
inadvertently give them. The caller will ask you not to call someone who could
verify the legitimacy of the call (“Don’t call mom or dad”) and to send money
in an untraceable manner.
Problems. The caller claims to be from “Microsoft” or “Google” or another known
company and states they have detected a problem with your computer. The caller
may tell you to look in a particular place in your computer where you will see
many error messages. The caller will tell you this is because of a virus or
other problem with your computer. The error messages you are seeing are
completely normal on any properly functioning computer. These callers will
attempt to get you to pay for services, likely via credit card and to give
access to your computer so they can steal personal information and download
damaging software known as “malware”
that will continue to allow access and even control of your computer. None of
these companies make these kinds of calls. Never give a caller access to your
computer unless you are sure you know who is on the other side of the phone.
shut off. The caller states you haven’t paid your utility bill and someone is
on the way over to disconnect your service unless you make an immediate payment
to the caller. These calls target small businesses but some consumers report
receiving these calls at home. To check if what the caller says is true, call
the number on your billing statement, not the number the caller gives you.
Numbers. Technology exists that allows a caller to control what shows up on
Caller ID. This is called “spoofing”. Calls may appear to come from a
governmental agency, company or even a neighbor when actually the calls are
coming from outside the country. If you do not recognize the number on the
Caller ID, let the call go to your answering machine or voicemail. If it is
important or a personal call, the caller will leave a message. If you have a
question about the message left, call the Consumer Protection Hotline at
Imposter Mail Scams
Mail scams require a response once you’ve received the mail.
The most common imposter scams are prize scams where you are instructed to call
and told that you need to make a payment of some sort to receive you winnings.
Versions of the phone imposter scams may also come in the mail or through
Imposter Computer Scams
scams. Email imposter scams may be versions of the imposter phone or mail
scams. Often the objective may be to get you to click on a link that will ask
you for personal information or to click on an attachment that will download a
virus or other malware to your computer.
Pop-Ups. A message will pop up on your screen, usually claiming there is
something wrong with your computer and telling you to click on the window for
assistance. You will then be given information to contact someone to help you,
possibly from a known company like “Microsoft” or “Google”. This is a variation
on the Computer Problem calls. Often the screen pop-up messages are the result
of a virus that has been downloaded to your computer to get you to make contact
with them rather than the calling you. Sometimes you may receive a call once
this message appears or you click on the pop up window. If an error message
appears on your computer, contact someone you know and trust for help. Do not
click on pop-up windows reporting a problem with your computer.
search imposter scams. When looking for assistance through an online search, be
aware that some companies, including scammers, have paid to have their links
appear at the top of your search list. It is very easy to think you are talking
to a representative of the actual company you want, or are on their website,
only to find you are being asked to provide personal information, payment
information and/or access to your computer. Check the website address to make
sure you are dealing with the real company.
dating imposter scams. Online dating makes it easier for a person to
misrepresent them self. Fake or outdated photos may be used, personal histories
enhanced or exaggerated, personal traits fabricated. With traditional dating it
is possible to talk with friends, family members or acquaintances to check a
person’s reputation. Online dating does not usually make this possible. Once a
scammer is confident they have your trust, they will start asking for money.
They may tell you they need it to help get money the government owes them,
cover the costs of a sudden illness, surgery, a robbery, accident, or job loss.
It may be for them, or a daughter or son. They may ask for money to cover the
cost of travel to finally meet face-to-face. You might get documents from an
attorney as “proof” of their genuine intentions along with a promise to pay it
back. As real as the relationship seems, it is a scam and you lose the money
networking website imposter scams. Treat links in messages on these sites as
you would a link in an email message. If it looks suspicious, even if you know
the source, it is best to delete it or mark it as junk. Hackers can break into
accounts and send messages that look like they are from your friends, but are not.
If you suspect that a message is fraudulent, use an alternate method to contact
your friend to find out. Do not trust that a message is really from who it says
it is from.
Do Not Respond!
The best defense against all these imposter scam is to not
answer the call. Use your Caller ID. If you do not recognize the number let it
go to your answering machine or voicemail. If you do answer the call, hang up
as soon as you realize this is not someone you want to talk with. Talking to
these callers or calling them back will likely result in additional contacts
from them and other scammers.
email from unknown senders. If you do not know who sent it, do not open it.
Sometimes opening an email is enough to tell a scammer that this is a valid
address and they will continue to send you email. If you do not know who sent
it, never click on a link or attachment in an email.
your search result. Before acting on the result of an online search, check to
make sure you are dealing with the company you want. If you do make contact,
watch for the signs of a scam.
call the verification number you are given. Call the number on a billing
statement, found in the phone book or reliable online directory. Never check to
see if something is legit using the number given to you on the call, mailer,
email or message.