Phone scammers can be incredibly frustrating to deal with, as they often prey on people’s trust and use fear tactics to manipulate them.
However, there are steps you can take to protect yourself and avoid falling victim to these scams.
Don’t Answer Unknown Numbers
One of the simplest ways to avoid phone scams is to not answer calls from numbers you don’t recognize. If it’s important, the caller will leave a voicemail or call back later. Scammers often use spoofed numbers, which means they fake the caller ID to make it appear as though the call is coming from a local or familiar number.
If you do answer and suspect it’s a scammer, hang up immediately.
Verify the Caller’s Identity
If you do answer a call from an unknown number, wait to give out any personal information until you’ve verified the caller’s identity. Ask for their name and the company they represent, and then hang up and do some research. Armed with the phone number, you can find out more information.
For example, you can find someone’s phone number for free using online directories or social media and then call the company back to ensure the person you spoke to is legitimate.
Never Give Out Personal Information
One of the most common tactics scammers use is to ask for personal information, such as your Social Security number or bank account information. Only give out this information over the phone if you’ve initiated the call and know it’s a trusted source.
Legitimate businesses will never ask you for user names, passwords, or ATM PINs. If a caller asks for this information, hang up immediately.
Beware of Threats and Urgency
Scammers often use threats or urgency to manipulate people into giving them money or personal information. For example, they may claim you owe for past due utilities or back taxes and threaten legal action if you don’t pay immediately.
Or they may claim your bank account has been hacked and urge you to transfer your funds to a “safe” account. Always take a step back and assess the situation before making any decisions. If you need clarification, call the company back and ask if this is a standard business practice.
Register With the National Do Not Call Registry
You can reduce the number of telemarketing calls you receive by registering with the National Do Not Call Registry (NDNCR). This free service is managed by the Federal Trade Commission and allows you to add your phone number to a list that telemarketers are required to avoid calling.
Use Call Blocking Technology
Many phone companies offer call-blocking technology that can help you avoid unwanted calls. Some services allow you to block specific numbers, while others automatically block known spam callers. You can also download third-party apps that offer additional call-blocking features.
Educate Yourself on Common Scams
Educating yourself on common scams can help you avoid falling victim in the future. The FTC’s website has information on a wide range of scams, including phone and email scams, identity theft, and investment scams.
Report Phone Scams
If you receive a phone call that you suspect is a scam, report it to the Federal Trade Commission or your state attorney general’s office. This action can help prevent others from falling victim to the same scam.
Be Aware and Take Action
Dealing with phone scammers can be frustrating, but there are steps you can take to protect yourself.
The first step is to avoid answering any calls from unknown numbers. If you do, take note of the number and confirm it’s from where they say it is.
Never give out personal information, and if you’re being rushed or bullied, it’s unlikely the call is legitimate.
Take affirmative action by registering with the NDNCR and adding call-blocking technology to all your devices. Educate yourself on all the current scams, so you’re prepared.
By being cautious and following the tips above, you can avoid falling victim to these scams and keep your personal information safe. And if you do receive a suspicious call, don’t be afraid to hang up and report it.
Remember, it’s always better to err on the side of caution when it comes to your personal information and security.
