ANYONE CAN BE SCAMED: staying vigilant and informed, you can protect yourself and others from scams when always be on alert and err on the side of caution.

Recognizing and protecting yourself from scams is crucial in today’s digital and fast-paced world where a scram is on your computer or cellphone right now. This is our official sheet to spotting common scams and protect yourself with these tools, advice and information. 


Common Scams

1. Phishing Scams

• Fake emails, messages, or websites mimicking legitimate companies to steal personal information.

• Look for: Generic greetings, urgent language, suspicious links, or misspellings.

2. Imposter Scams

• Calls or messages from someone pretending to be a government official, company representative, or family member in need.

• Look for: Pressure to act quickly, demands for money, or requests for personal information.

3. Online Shopping Scams

• Fake e-commerce websites or sellers that don’t deliver purchased goods.

• Look for: Unrealistically low prices, lack of contact details, or no customer reviews.

4. Investment Scams

• Promises of high returns with little or no risk.

• Look for: “Guaranteed” profits, vague business details, or unregulated platforms.

5. Tech Support Scams

• Fraudsters claim your device is infected and offer to fix it for a fee.

• Look for: Unsolicited pop-ups, calls, or emails about tech issues.

6. Romance Scams

• Scammers build trust on dating platforms or social media and then ask for money.

• Look for: Quick declarations of love, reluctance to meet in person, or financial requests.

7. Lottery and Prize Scams

• Notifications claiming you’ve won a prize you didn’t enter for.

• Look for: Requests for payment to claim your prize.


Tips to Recognize and Avoid Scams

1. Verify Authenticity

• Contact the organization directly using their official website or phone number.

• Check email addresses and website URLs for slight misspellings.

2. Avoid Sharing Personal Information

• Never give out sensitive information (SSN, passwords, PINs) over the phone, email, or text.

3. Be Skeptical of Urgency

• Scammers often pressure you to act quickly. Take time to verify.

4. Use Secure Payment Methods

• Avoid wire transfers or prepaid cards; use credit cards for added protection.

5. Keep Software Updated

• Ensure your devices have updated antivirus software and security patches.

6. Look for Red Flags

• Too-good-to-be-true offers, unprofessional language, or emotional manipulation are warning signs.

7. Search for Reviews

• Research unfamiliar companies, offers, or platforms before engaging.

8. Check for HTTPS

• When shopping online, ensure the website is secure with “https://” in the URL.

9. Beware of Overpayments

• Scammers often overpay with fake checks and ask for refunds.

10. Stay Updated

• Learn about new scams by following news reports or fraud prevention organizations.


How to Protect Yourself

1. Enable Two-Factor Authentication (2FA)

• Adds an extra layer of security to your accounts.

2. Monitor Your Accounts

• Regularly review bank and credit card statements for unauthorized charges.

3. Use Strong Passwords

• Create unique, complex passwords and avoid reusing them.

4. Freeze Your Credit

• Prevent scammers from opening accounts in your name.

5. Educate Yourself and Others

• Share knowledge with family and friends, especially elderly individuals often targeted by scammers.


What to Do If You’re Scammed

1. Report It

• File a report with the Federal Trade Commission (FTC) at reportfraud.ftc.gov.

• Notify your local law enforcement or national fraud prevention agency.

2. Contact Your Bank or Credit Card Provider

• Report unauthorized transactions immediately.

3. Change Your Passwords

• Secure any accounts that may have been compromised.

4. Monitor Your Credit

• Check your credit report for any unusual activity.

5. Warn Others

• Share your experience to prevent others from falling victim.