Telemarketers make phone calls to large amounts of people to sell products and services. Call centers hire people to make the calls. Sadly, people receiving the calls are not happy about it. Callers dial directly or use automatic dialing systems. The introduction of these systems ended the need for people to call thousands of people. It was created to save time and money. Automatic dialing systems launched robocalls, a system designed to answer questions and/or send callers to the right department. A recent study shows that these systems can answer almost 30% a person’s questions and save almost 50% of the time people would spend on the phone with a real person.
Telemarketers use these systems to get you to buy products and services. Scammers use the same systems to trick you out of your hard earned money. The systems are automated, so it’s impossible to talk to a real person. People try to stop the calls, but it’s usually futile.
Laws regulate telemarketing companies regarding the number of times they are allowed to call people and at what times. The law states telemarketers cannot make telemarketing calls before 7 A.M. and after 9 P.M. The government created the National Do Not Call Registry to allow people to take their names off of lists used by telemarketers. The government allows companies to call you if you have an account with that company or are signed up for a service that allows calls by third parties. You must contact the company and opt out of the contact. Callers that ignore the law, should be reported.
In 2018, robocallers placed 26.3 billion phone calls. The Federal Communications Commission says that, in 2019, more than 40% of phone calls will be automated. Although the FCC gives fines to companies that ignore the law, the companies don’t stop. People look for ways to stop the calls, and organizations like Consumer Reports publish tips on how to remove yourself from the system.
Phone apps help you to trace unknown callers on your iPhone. The apps use an algorithm to find which phone numbers probably belong to scammers or telemarketers. The apps keep a database of the numbers. Phone numbers that make more than 1,000 calls are added to the database. The database will label it as an unwanted number.
Tracer apps can help you to identify a phone number, and if the number belongs to an unwanted caller, you can block the phone number. The app will also block text messages. It might not stop all calls, but it will cut back on the number you get. You can only stop robocalls completely by shutting off your phone. Apps can help, but there is no 100% solution.
Report the Calls
People who use the tips and tricks will still get calls. If you do, write down the numbers so you can keep track. You should also report it to the Federal Trade Commission so they can investigate.
Scammers use anything they can in order to trick their targets. The con artists have begun to say that they are from government agencies such as the Social Security Administration, the IRS, and the Federal Trade Commission. Scammers have been targeting the FTC lately as a way to convince people that they’ve won prizes in contests they have never entered. Using the FTC as a way to scam people is ironic as the independent government agency tracks and prosecutes scammers.
Thieves call random people and say that they are employees or representatives of the FTC. The scammers tell the person that that they’ve won prizes in a sweepstakes or lottery. The “representatives” often give names and office phone numbers of real agency personnel. The person listens to the call, but is eventually asked for personal information and, of course, money. The thieves take the information and the money and disappear, while the victim has little or no recourse. Banks often protect people against fraud, so the scams usually involve paying through cash apps, wire transfers, or gift cards.
The FTC is running a campaign to stop the scams. Government agencies never run sweepstakes or lotteries, nor do they ask for money.
Callers may also say that you owe money to the IRS or court system. Anyone who claims to work for the government is probably a scammer. The FTC has written a guide on identifying the calls and what to do to avoid being a victim.
- Someone calls and says you’ve won a prize, but you must send money to receive the prize.
- The caller offers to help victims of scams recover their money.
- You owe money to the government or IRS. If you don’t pay, you will be arrested.
- You have unpaid debts and your bank account will be frozen until you pay.
Receiving a Call
If you receive a suspicious call, hang up. Do not press 1 to be removed or give out your personal information. The caller may make threats, but do not respond. You can block calls on your iPhone or Android if the number is in the form of a standard number. Scammers use different numbers to confuse targets, so be aware of strange numbers.
Notify law enforcement if the caller makes any type of threats. You should also report the call to ftc.gov/complaint. Include the following:
- Date and time of the call
- Content of any text messages
- The name of the company used by the caller
- If a prize was offered, note the amount of the prize amount.
- How much money were you were asked to send? What was the requested payment method?
- Give the caller’s phone number. Scammers use untraceable Internet phone numbers or spoof a phone number registered to the government agency. Although the numbers aren’t real, law enforcement might be able to trace them with a tracking system.
- Note any other details from the call. Be as specific as possible.
The world was shocked when fire broke out at the Notre-Dame de Paris, one of the most iconic cathedrals in Paris. People mourned as the centuries-old structure burned and as the spire fell while 400 firefighters fought the fire. Almost immediately, charities – real and fake– began asking for donations to rebuild the French national treasure.
A Cry for Help
Almost 13 million people visit Notre Dame each year. Builders erected the church in Paris 850 years ago. The church houses famous works of art and serves as a museum. It is no surprise that people are willing to dig into their wallets to rebuild the cathedral. Scammers scrambled to create a plan to take advantage of the fire and make some easy money. Thieves set up websites acting as charities and crowdfunding sources to trick the public. Thieves assume people don’t know that the cathedral is owned by the French government. Private citizens, businesses, and the government have already amassed billions of dollars in a fund to reconstruct the church.
Con artists play on the emotions of people in the aftermath of disaster. For every natural disaster, accident or act of terrorism, scammers are waiting to collect from the public. They ask for money through websites, social media, email and phone calls. The pleas for money are convincing and never ending. People should take steps to check out any organization before giving any money, even if it’s a good cause.
Researching Charity Organizations
Donors can research charities by logging onto The Federal Trade Commission’s list of organizations that can verify if a charity is real. You can also read news on charities. The article Before Giving to a Charity shows how to donate wisely through social media.
People think that donations are tax deductible. They might give more money because of the deduction. However, donations made to foreign organizations aren’t usually tax deductible. Money given to individuals or crowdfunding sites aren’t tax deductible, either. The IRS can help determine which organizations are tax deductible. You should use the IRS’s Tax Exempt Organization Search to check eligibility.
How to Avoid Scammers
Telemarketers can be pushy when they ask for money. Companies and scammers use robocalls to make it harder to avoid the demands. If you receive a call from someone asking for money to help rebuild Notre Dame, ask a lot of questions. What is the full name and address of the organization? How will the money be spent? Does the organization use the money for admin costs or marketing expenses? If you are unsure of the person calling, hang up and research the charity online. If the calls continue, use an app to block unwanted numbers from your phone.
How to Report Fraud
If you think you’ve been scammed by a fake charity, report it to the FTC’s Complaint Assistant. Give as much information as possible. Second, if you have used a bank account or credit card to make the donation, contact the company right away to block the payment. Lastly, you should also report the event to your state’s Attorney General.
Landlines, or old fashioned telephones, are still in use by businesses and homes across the country. Landlines use a physical connection to a metal cable or a fiber optic wire to connect to a series of telephone poles which lead to a central dispatch system. On the other hand, cell phones are wireless devices that work through the use of radio waves. While cell phones have the market share in the telecommunications industry, due to their convenience, Internet access, text messages services and mobility, there is still a place in our world for landlines.
Businesses rely on phones to communicate with their clients and vendors. Using a landline allows the business to make a connection with the outside world and also gives a sense of professionalism and stability. Additionally, landlines can have multiple handsets, multiple phone lines, and dispatch systems.
Cell phone services aren’t always available in rural areas. People can use landlines any place there is a telephone pole. Additionally, landlines offer accessibility features cell phones do not – oversized keys, extra loud ringer settings, the ability to attach touch screens, flashing lights for the hearing impaired, voice activation for the vision impaired, Braille-based devices, transcription units, improved clarity, etc.
Landlines are reliable in cases where cell phones are not. They work in situations where cell phone calls can be fuzzy or dropped. Landlines are also less likely to be affected by bad weather, and if they are, their repair is at the top of the list for phone companies.
Many people, especially seniors, find landlines to be more comfortable to use than cell phones. The larger handset makes it easier and more comfortable to use while multi-tasking, such as typing, taking notes, cooking or washing the dishes.
Landlines are cheap, particularly compared to cell phones. You can buy a landline at a yard sale and it will work with any service. Plus, the monthly cost of local service is around $30.
Everyone is concerned with security. In the age of identity theft and hackers, using a landline is much safer than a cell phone. The data from a landline is transmitted through a fixed medium where cell phone calls are transmitted via radio waves. Hackers can easily tap into cell phone calls. In order to tap into a landline, bugging devices need to be physically attached to the phone and/or the line.
Previously, landlines did not offer the same options as cell phones when it came to caller ID or tracing a phone number. That is no longer true.
Landlines offer a connection to emergency services that cell phones cannot. When calling from a landline, the dispatcher has immediate knowledge of your location, even if you are cut off. Callers using cell phones must give their phone number and location before reporting the emergency. If a call is dropped or has poor quality, the information may be lost. These issues can pose a threat and waste precious time in an emergency situation.
Scammers target senior citizens every day and the numbers are rising. Scammers target the elderly. Elders have financial stability, vulnerability, and tendency to act on emotion. Seniors are also less tech savvy. Scammers know seniors are less likely to use tools to avoid scams via phone, email and direct mail. Criminals use scams that play on their emotions, including fear. One report showed that, in 2011, seniors were robbed of nearly $2.9 billion dollars. People who robbed seniors are strangers (51%), family, friends, and neighbors (34%), fake businesses (12%), and scams on Medicare/ Medicaid (4%).
Consumer groups have created guides on reporting scam phone calls. A popular scam is one by fake IRS reps. The fake rep claims that the senior has back taxes owed to the government. The calls scare people into giving out bank information or face jail time. Seniors targeted by phony IRS representatives should report the activity to the Treasury Inspector General for Tax Administration. Victims can report online or call 1-800-366-4484.
People should report other scam calls to the Federal Trade Commission (FTC). Secondly, reporting phone scams to local police and the Attorney General’s office is important.
Seniors can also use an iPhone caller ID app to screen calls and help to prevent scams.
Fake suitors target people over 50 for romance scams. The percentage of people looking for online romance is the highest in this age range. Scammers claim their love for their victims almost immediately, and then ask for money. They are not available to meet in person and are usually suffering some form of emergency or personal tragedy. If this happens to you, refuse to send any money and report them to the FBI Internet Crime Complaint Center (IC3).
Scammers can trick seniors by using direct mail or “junk mail” scams. Lottery and sweepstakes contests are popular scams. Consumer groups have developed several websites devoted to reducing or eliminating direct mail. The AARP has a list of companies that can help. Others include:
CatalogChoice helps you to opt-out of getting specific catalogs in the mail.
DMAchoice is a website that helps to manage your mail received at home.
OptOutPrescreen can help you to opt-out of getting credit card offers in the mail.
SeniorNet is a non-profit organization that educates seniors on computers. They have also created a guide on how to detect mail fraud.
If you suspect that an offer received in the mail is too good to be true, call the company who sent the offer for more information.
Cell phone users are inundated with detailed articles about cell phone security. Techies provide complicated methods to protect against hackers. What about the less savvy? I’ve prepared for you some tips to protect your phone.
Keep Tabs on Your Phone
Millions of people lose their phones every year, with most of them being stolen. In 2014, 2.1 million cell phones were reported stolen. The person who finds your phone can access your information, including name, address, and account information on everything from your bank to Instagram. When you are out in public, keep your phone accessible but out of the way of thieves and pickpockets.
Lock Your Phone
Use a screen lock for your phone. Choices include fingerprint ID, password, pattern lock, PIN, and facial recognition. If your phone is lost or stolen, the person trying to get into your phone will have a much harder time if it’s protected.
Use a Tracking App
Tracking apps are used by users for various reasons including locating family members, especially children. However, they are also important if your phone goes missing. There are many apps that will allow you to do both. Be sure to test it before you need it to find a lost phone.
Avoid Free Wi-Fi
Free Wi-Fi is tempting to users addicted to their phones. However, the services are not secure and can leave you vulnerable to users waiting to steal your information. If you need to use free Wi-Fi, limit what you use while connected to the service. Avoid logging in to any important accounts such as your bank or credit card. When you are finished with whatever you’re doing, log off. Cafes and airports offer Wi-Fi that is generally safe, but take precautions all the same. Never log in to an unknown open network.
Do Not Click That Link
Random texts asking you to click on a link are always suspect. They can allow hackers to access your information or install viruses or malware on your phone. If you receive a random text (too often with a “too good to be true” offer), do not reply. Delete it immediately. You can also use an app to trace unknown callers on your iPhone.
Teach Your Kids Phone Safety
Kids use cell phones more than grown-ups and should be aware of how to protect their phones – and themselves. Teach phone safety as soon as your child gets his first phone.
Update Your Apps
Many phones are equipped with apps to prevent viruses and the installation of spyware and malware. As a result, many users feel safe and forget that the apps need to be updated on a regular basis. New software is released every day, and an outdated phone may not be able to detect and prevent hacking and viruses. Phone updates should be routinely installed to ensure that bugs have been fixed and protections are engaged.
Following these simple tips will help users to stay safe and enjoy their phones as they were meant to be enjoyed.
The Social Security Administration (SSA) reports a dramatic increase in phone scams. Senior citizens are targets for scammers claiming to be from the SSA. The reason for the call? To tell the senior his/her Social Security number has been suspended. The caller states there has been fraudulent or criminal activity with the card. The number is suspended to protect the real card holder.
“They say to call a number to clear it up — where they’ll ask you for personal information,” according to the Federal Trade Commission. “The caller pretends to be protecting you from a scam while he’s trying to lure you into one.”
The SSA does not suspend Social Security numbers. Not for any reason. There is no cost to reinstate it. Despite the caller’s claims, it’s a scam.
If you receive a call from an alleged SSA representative, use a free reverse phone book app for iPhone to verify the number. Some scammers spoof the SSA’s customer service number — 1-800-772-1213 — to take the scam a step further.
SSA Warns Citizens
“Unfortunately, scammers will try anything to mislead and harm innocent people, including scaring them into thinking that something is wrong with their Social Security account and they might be arrested,” said Acting Inspector General of Social Security, Gale Stallworth Stone. “I encourage everyone to remain watchful of these schemes and to alert family members and friends of their prevalence. We will continue to track these scams and warn citizens so that they can stay several steps ahead of these thieves.”
- The SSA rarely, if ever, calls people on the phone. They communicate by mail.
- Be aware that the SSA will not make threats.
- Do not give them your bank account number.
- Don’t give out your Social Security number.
- Ignore demands from automated calls.
- Never give or confirm information.
- Don’t assume the call, text, or email is legitimate. Again, contact people by mail.
- Check all phone numbers using an iPhone reverse cell search app.
- Do not engage the person on the phone.
- Block phone numbers you suspect to be fake.
- Contact government agencies directly in person, through verified phone numbers, or through their website.
- Contact government agencies directly, using telephone numbers and website addresses you know to be legitimate.
If someone has tried to steal your personal information by pretending to be from the government, report it to the FTC. Also, report suspicious calls to the SSA’s Office of the Inspector General at 1-800-269-0271 or online.
With more and more data breaches happening every year millions of Americans information was put at risk. You need to be on high alert for potential phishing scams. We’ll go over the best ways to protect yourself.
Monitor Your Credit Scores
Make an effort to check your credit scores every so often, doing so will allow you catch any sort of funny activity. If your credit score quickly changes, you can be sure that someone has most likely gotten ahold of your information and has been using your identity.
Be On Alert for Phishing Scams
Phishing scams are how scammers fill in the blanks when they have pieces of information about you. In the form of phone calls or emails, phishing scams will try to trick you into think they are coming from reputable companies, like PayPal or your bank.
The best way to protect yourself from these types of scams is to avoid unsolicited calls and hang up on callers that are asking for important and sensitive financial information. Use a iPhone caller ID to help you filter out unwanted phone calls. With emails, be sure to check for spelling mistakes and take a close look at the links included.
Additionally, avoid opening any files attached to emails that aren’t from trusted contacts. Files could potentially infect your device with hazardous malware.
Use Stronger Passwords
Passwords these days for your online accounts need to be strong and unique. This can be really difficult though. One thing that is recommended is using a sentence for a password, but this can get complicated and annoying if you frequently need to change it.
The best thing to do is use a password vault. There are many to choose from, one good one is LastPass. With LastPass you can generate and store strong and unique passwords for each of your online accounts. You can even share access to some of your accounts.
You might think that phone scams aren’t something you need to worry about. Yes, you may have received weird calls in the past, but you’d never fall for any of them. There’s the IRS scam and free giveaway scams, but it’s pretty evident to you that these are scams. What if you got a different type of call though, one where someone claimed to have kidnapped your loved one. What would you do? The kidnapping phone scam is the latest (and scariest) phone scam happening in the United States.
What Is The Kidnapping Phone Scam?
The kidnapping phone scam targets families. In this scam you will get a call from someone claiming to have your loved one, usually a son or daughter. You may hear screaming in the background and the caller may know personal information like family members’ names and the area that you live in, all this makes their call more believable.
The caller will demand you wire them money immediately, or your family member will be injured or even worse killed. This is all designed to make you panic.
The caller will often get the information on you and your family from social media.
Protecting Yourself From This Scam
The best way to protect yourself from this frightening scam is to keep your social media accounts private and only share information with people you know and trust online. Refrain from publishing posts that divulge a lot of information publicly.
Another thing that you can do to protect yourself is keep a cool head, although this is very difficult to do.
- Ask the caller personal questions about the person that the person they say they have would only know.
- Try to get in touch with the person they say they have. While on the phone with the caller try to text the person they say they have or get someone else to call the person that they claim is kidnapped.
- Contact the police. Though the caller will tell you not to contact authorities, be sure to contact them.
If you ever get a call like this be sure to call your local authorities immediately. You can also filter your calls that you receive by running them through a white pages iPhone app. These apps will help you see if there are any phone scams associated with a certain phone number. There are many option in the App Store and in Google Play so give a few a try!
If you have a phone number then you’ve definitely probably been targeted by a phone scammer. These annoying and potentially dangerous callers seek to steal your information and money. We’ll go over the most common and creative phone scams in the U.S. and how you can stop them. We’ll discuss the Do Not Call Registry and how reverse phone lookup apps can put a stop to these criminals.
IRS Phone Scam
The most common phone scam in the United States is the IRS scam. This scam targets all Americans and in it a caller claims to be an IRS agent and accuses their victim of owing taxes. The scammer will say that if the victim doesn’t pay, they’ll send police to arrest them.
This is a total scam, but it has a lot of success because many Americans are actually late in paying their taxes each year or may believe that they owe money. What’s important to remember is that you will always receive a registered letter from the IRS telling you that you owe money and you always have the right to dispute it.
Charity Phone Scam
Charity phone scams are annoying in that it’s difficult to tell whether or not the call is actually a scam. What is true though is that the telemarketing companies that charities use to fundraise will often take a cut of the donation as part of their fee. For this reason, it’s always best to donate directly to the charity of your choosing and check it first to make sure it’s reputable.
Free Giveaway Phone Scam
A lot of times these types of scams target the elderly, but they can really target anyone. Calls will promise anything from free Caribbean cruises to gift cards at major retailers. They can also offer free medical alert systems, cars, and even money. The one thing that all of these calls have in common is that they are a scam and want to get your information. It’s best to just ignore calls like these.
Ways To Avoid These Scams
The first thing you should do is make sure that your phone number is on the National Do Not Call Registry. After you’ve done this, make sure you report any unwanted and suspicious calls to the proper authorities. The majority of phone scams can be reported to the FTC. IRS calls should be reported to TIGTA.
Download A Reverse Phone Lookup App
Another way to start avoiding calls like this is to download a iPhone caller ID app. Apps like this will help you decide what calls are worth picking up. The less you answer scammer phone calls and interact with them, the less they will target you.