How to Recognize and Report Scams

Have you ever received a call from someone claiming to be from the IRS demanding immediate payment? Or perhaps an email offering an incredible investment opportunity? These are just a few examples of scams that target unsuspecting people every day. This guide will equip you with the knowledge to identify and avoid these schemes, as well as report them to the appropriate authorities.

Red Flags of a Scam

• Unfamiliar Contact: Scammers often reach out through unexpected channels like emails, texts, phone calls, or even visits to your doorstep from people you don't know.
• Pressure Tactics: They create a sense of urgency by pressuring you to act immediately, like sending money right away or threatening legal action.
• Unconventional Payments: Beware of requests to use unusual payment methods like gift cards, money transfers, or sending checks where you need to return a portion of the funds.

Common Scams and How to Spot Them

• Tech Support Scams: These scammers claim your computer is infected and demand payment to fix nonexistent problems or trick you into giving them remote access. 
• Employment Scams: Be cautious of online job opportunities, especially those promising high pay for little work or requiring upfront fees. Never send money or personal information for a job application.
• Impersonation Scams: Scammers may pose as legitimate companies like banks, utility providers, or government agencies to steal your personal information or money. Don't trust caller ID alone, and contact the company directly through a verified phone number or website if unsure.
• Fake Rental Scams: If you're looking to rent a place online, be wary of listings with suspiciously low rent or pressure to send money before viewing the property. 

Beyond the Basics: Other Sneaky Scams

• QR Code Scams: Only use your phone's default camera app to scan QR codes. Third-party scanner apps might redirect you to malicious websites.
• Fake Websites: Scammers create convincing replicas of legitimate websites to steal your login information. Double-check the URL before entering any personal details.
• Overpayment Scams: If you're selling something online and receive an overpayment for the item, it's likely a scam. Don't send back any money after cashing the check, as it will likely bounce.

Protecting Yourself from Emotional Manipulation

• Romance Scams: New online relationships that quickly turn to requests for financial help are a red flag. 
• Charity Scams: Before donating, research the charity to ensure it's legitimate.

Financial Scams: When Money is the Target

• Debt Relief Scams: No legitimate company will ask you for upfront fees to help you pay off debt. 
• IRS/Government Scams: The IRS or other government agencies won't contact you by phone or text demanding immediate payment. 
• Investment Scams: Promises of high returns with little risk are classic hallmarks of investment scams. Be wary of unsolicited investment offers.
• Lottery Scams: You never have to pay to claim a lottery prize you haven't entered.

Familiar Scams with a Twist

• Grandparent Scam: Scammers impersonate a loved one in distress, urging you to send money quickly.  Always confirm such requests directly with the family member.
• Puppy Scams: Don't fall victim to adorable online pictures.  See the puppy in person before sending any money.
• Online Marketplace Scams: Research sellers and products thoroughly before making online purchases. Don't be pressured into using strange payment methods or clicking on suspicious links.
• Mortgage Closing Scam: Verify any last-minute changes to wiring instructions with your real estate agent directly, not through an email or text.

How to Report a Scam

If you suspect you've been targeted by a scam, report the scam to the BBB Scam Tracker and the government via the FTC ReportFraud site. Report fake Microsoft technical support scams to Microsoft. You may also want to report scammers directly to the FBI. Remember, staying informed and vigilant is your best defense against scams. By following these tips, you can protect yourself and your loved ones from falling victim to these deceptive schemes.

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