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    Howtonottobescammed

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    howtonottobescammed

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    10 views5 pages

    Howtonottobescammed

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    Hoàng Lê

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    © All Rights Reserved
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    Download as docx, pdf, or txt
    of 5

     don’t know.

    If you are unsure whether an email you received is legitimate, try


    contacting the sender directly via other means. Do not click on any links in an email
    unless you are sure it is safe.
     Be careful with links and new website addresses. Malicious website addresses may
    appear almost identical to legitimate sites. Scammers often use a slight variation in
    spelling or logo to lure you. Malicious links can also come from friends whose email
    has unknowingly been compromised, so be careful.
     Secure your personal information. Before providing any personal information, such
    as your date of birth, Social Security number, account numbers, and passwords, be
    sure the website is secure.
     Stay informed on the latest cyber threats. Keep yourself up to date on current
    scams. The Cybersecurity and Infrastructure Security Agency (CISA) can provide you
    with Alerts.
     Use Strong Passwords. Strong passwords are critical to online security. Review
    CISA guidance on Choosing and Protecting Passwords.
     Keep your software up to date and maintain preventative software programs.
    Keep all of your software applications up to date on your computers and mobile
    devices. Install software that provides antivirus, firewall, and email filter services.
     Update the operating systems on your electronic devices. Make sure your
    operating systems (OSs) and applications are up to date on all of your electronic
    devices. Older and unpatched versions of OSs and software are the target of many
    hacks. Read the CISA security tip on Understanding Patches and Software
    Updates for more information.

    Here are some trending scams to look out for:

    Money Mules

    Scammers use people as “money mules” to receive or move money obtained


    from victims of fraudulent activities. Scammers proactively recruit people to be
    part of fraudulent activity without their knowing it. If a stranger asks you to open
    a bank account, or asks for access to your bank account or debit card, be
    extremely guarded. A scammer may ask you to move money and direct you to
    deposit funds into your bank account, or ask you to purchase virtual currency or
    gift cards for someone else’s benefit. In these scenarios, you may be
    unknowingly hiding someone else’s money for them. Be very cautious if a
    stranger asks you to receive or forward packages containing money or goods,
    which may also be part of a similar fraudulent scheme.

    If you believe you have engaged in, or contributed to, money mule activities,
    stop transferring money or merchandise, and stop communicating with the
    person giving you direction. Then, immediately report your concern to your
    bank. Your banker can assist you with the appropriate steps toward protecting
    your bank account and money. You should also report the suspected activity to
    law enforcement. Visit the U.S. Department of Justice webpage on money
    mules for more information.
    Online Dating

    Romance scammers, as they are often called, create fake profiles and try to
    develop relationships with their targeted victims through online dating apps or
    social networking websites. Once the relationship develops and they have
    earned your trust, the scammer makes up a story and asks for your money. Be
    aware that scammers are lurking in these areas, so you can keep yourself and
    your money safe. The Federal Trade Commission (FTC) has additional
    information on romance scams.

    Impostors

    Impostor scams are when a scammer pretends to be someone you know or


    trust to convince you to send them money. They may even claim they are with
    the FDIC or another government agency. These scams are communicated
    through emails, phone calls, letters, text messages, faxes, and social media. The
    messages might ask you to “confirm” or “update” confidential personal financial
    information, such as bank account numbers. In other cases, the communication
    might be an offer to help victims of current or previous frauds with an
    investigation or to recover losses. Some scams request that you file official
    looking forms, such as insurance claims, or pay taxes on prize winnings. They
    might claim that you have an unpaid debt and threaten you with a lawsuit or
    arrest if you don’t pay. Other recent examples include check endorsements,
    bankruptcy claimant verification forms, stock confirmations, and investment
    purchases.

    The FDIC or other government agencies do not send unsolicited correspondence


    asking for money or sensitive personal information, and we will never threaten
    you, or demand that you pay by gift card, wiring money, or digital currency. FDIC
    Consumer News: Scammers Pretending to be the FDIC has more information on
    impostor scams.

    Mortgage and Foreclosure Scams

    Watch out for scammers who falsely claim to be lenders, loan servicers, financial
    counselors, or representatives of government agencies who can help with your
    mortgage. These criminals prey on vulnerable, desperate homeowners. For
    more on mortgage scams and how to protect yourself, visit the FTC Mortgage
    Relief Scams.

    Foreclosure scams usually come from multiple advertisements stating that a


    company wants to save you from foreclosure. This scam allows fraudsters to
    take the equity out of your home. They may even try to evict you from your
    home and sell it. Learn more at Common Foreclosure Rescue and Loan
    Modification Scams under the FDIC Consumer Assistance Topics.

    Ransomware

    One cyber threat often discussed in the news is ransomware. Typically, this scam
    targets businesses, not individuals. Ransomware is a type of malware created to
    lock or encrypt files on an electronic device like a smart phone or computer. The
    sender of the ransomware then demands a ransom in exchange for unlocking or
    decrypting the information on your electronic device. The scammer typically
    threatens to publically disclose or sell the compromised information, if the
    ransom is not paid.

    If you believe your business is a victim of a ransomware attack, contact law


    enforcement immediately. You can also contact a local field office of the Federal
    Bureau of Investigation (FBI) or U.S. Secret Service to report a ransomware
    attack and ask for assistance.

    Maintaining your cybersecurity will help prevent you from being a victim of
    identity theft and potential financial loss. Staying current on the latest types of
    scams can help you to identify the risks and learn how avoid them, so you can
    protect yourself and your finances.

    Additional Resources

    FDIC Podcast: Banking on Innovation: Building a More Resilient Banking System

    FDIC Consumer News: Beware It’s a Scam

    FDIC Video: #FDICExplains Phishing

    CISA: Ransomware 101

    FDIC Press Release: Online Dating Scams

    For more consumer resources, visit FDIC.gov, or go to the FDIC Knowledge


    Center. You can also call the FDIC toll-free at 1-877-ASK-FDIC (1-877-275-3342).
    Please send your story ideas or comments to [email protected]. You
    can subscribe to this and other free FDIC publications to keep informed!
    PDF Help

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    To subscribe to FDIC Consumer News and other FDIC publications, please enter
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    You can also subscribe to FDIC Consumer News by texting your email address to
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