As technology changes, so do scams. Artificial intelligence (AI) is making it easier than ever for scammers to catch your attention and make their communications look legitimate. It’s important to be vigilant and aware of common signs of scams.
Financial Institution Impersonation
You may occasionally get calls, texts, or emails from your financial institution regarding certain transactions. Scammers know that creating a sense of urgency, especially around finances, can encourage you to act quickly. They might pose as a bank or credit card company to attempt to get access to your account, using a fake caller idea and telling you that you’ve had fraudulent transactions that need review.
In some cases, the scammer will ask you to make payments to reverse the fraud (thereby unwittingly giving them access to your account). They might ask for your Social Security number or other information to access your account.
What to know: A financial institution will not ask you to send money to reverse fraudulent activity. They also won’t request your online banking code or ask you to send a physical bank card through the mail.
What to do: If you’re uncertain about a phone call interaction, hang up and call the number on the back of your card or visit your local bank branch to inquire about the interaction. If you receive a request for you to provide payments to reverse fraud via text or email, report them as spam and alert your financial institution so they can be on the lookout for related scam activity.
Employment Scams
Today’s job market is tough, and scammers know that many people are searching for their next opportunity. You might see fake job listings or get contacted by people who are impersonating recruiters. The jobs typically advertise that you can make money with little time or effort required while working remotely.
What to know: Always research the company or individual who offers you a job before accepting the offer. Companies shouldn’t ask you to pay an application or training fee. IF someone offers to hire you without even interviewing you, be suspicious.
What to do: Don’t accept a job offer that seems too good to be true. Do your research to confirm that the company and offer are legitimate. Don’t send payments for applying or training fees.
Avoid Scams
Scams are getting more sophisticated, so staying aware of what to look for is key. Always verify phone calls, texts, and emails before you share any personal or financial details. Don’t send payments via gift card, peer-to-peer payments, wire services, or cryptocurrency if you don’t know and trust the recipient.
Always be cautious when someone makes a payment request or urgent demand.
If you or a loved one has been injured, contact the Schuerman Law office today. Schuerman Law has been working with personal injury claims for over 40 years. John Schuerman will compassionately advocate for injured individuals as well as their families while fighting for full compensation of their claims. Schuerman Law offers evening and weekend appointments in addition to home and hospital visits. Schedule a free consultation today by calling 1-800-274-0045.
