Every year, millions of Americans are being targeted by phone scammers. This is a problem not to be overlooked. Phone scams are real. Many people have already fallen victims of these scams. Some scams promise vacation deals while others are threatened to arrest you. Do not let yourself be fooled by these scams. Education is the key to avoid scams and eliminate scammers forever.
Take a look at the most common telephone scams that scammers use these days. Knowing these scams will save you from ever dealing with them ever again. Plus, you need to be aware of these phony dealings and watch out for them.
Scams Related To Telephone Everyone Must Know
Loan scams – Typically, if a person calls you asking about loans, regardless if they are a student, small business of payday loans, there is a higher chance that these are scams. Mostly, they ask for information about you, such as your credit card. In exchange, they will offer you money. Some people fall victim to this scam because of the promised money. You must always be aware of this and do not give your credit card information no matter what.
Fake debt collectors – Like loan scammers, fake debt collectors are a serious problem. Although they may be a bit more discouraging due to the threats they make, you have to focus yourself in asking for their name, number as well as the information about their company. This way, you can check with your creditor if these calls are real. Verification is a must to ensure that the debt collector who called you is legit and for your privacy protection.
Phising scams – Phising scams are primarily done through websites and emails. Nevertheless, there are also phising calls that will try to convince a caller that there is something wrong with his/her computer. They will let you think that your computer’s privacy is at risk. Afterwards, they will get information from you or they will let you download malware on your computer that might steal your information. If it happens that you receive a call involving phising, ask their information. You can check the company they said they were a part of. From there, you can verify if there’s really a problem with your computer.
Free travels and prizes – Perhaps the most common phone scams of all times is the news of a person winning free travels and prizes, even if that person didn’t join any raffles that may enable him/her to win the prize. Some people are gullible and they believe that they really won. Scammers will then ask for their credit card information to “process” their winnings. Once the victim provides the information about his/her credit card information, scammers are able to steal the money off the account. One thing to understand about this; if you did not join any contests, then don’t entertain such calls. Common sense.
Fake charities – Some people will pose as a member of fake charities asking for donations. Among the most common telephone scams are charities involving fundraising for local police and fire departments. If you are smart enough, you will not reveal your credit card information straight away. Instead, you will ask for the information about the caller and the details of the charity. This will enable you to know if the charity or fundraising is legit or not.
These are the most common scams that you might encounter, but there are others that may take place. Like mentioned, education is important to prevent scammers. Learn more about these and if they have been proven spam, you can report them to the authority.