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These are examples of common fraud schemes
(not necessarily experienced by Direct Financial members).
Generally initiated via email or postal mail, a letter is sent by the scammer stating that you have won a lottery. Within the letter, there’s often instructions asking you to send funds and/or your bank account information, to pay for processing fees, taxes, and other miscellaneous fees in order to receive your winnings. 任何合法的彩票都不会要求付款或银行账户信息来接收您的奖金. Visit the follow FTC site for further details: http://www.consumer.ftc.gov/articles/fake-prize-sweepstakes-and-lottery-scams
You get an email, phone call or text message informing you that fraud has been detected on your account. This communication may even appear to come from your own financial institution. You are asked to provide information, usually a credit card number or log in credentials, to resolve the supposed fraud or to prevent the account from being closed.
Generally done by phone, the fraudster takes advantage of your desire to be helpful. In a common version, you receive a call telling you that your grandchild is in trouble and needs financial help, sometimes with further explanation that they have been in an accident or arrested. 骗子要求你提取一大笔现金,并声明你不能告诉任何人这件事, or the family member could get in more trouble. The fraudster may ask you to purchase gift cards, send the funds via western union, or arrange for a local fraudster to pick up the funds from your house.
Generally done by phone call, 骗子会假装是社会保障局等政府机构的人给你打电话, the IRS, or even Medicare. 他们经常威胁说,如果你不提供你的个人信息或提供他们要求的东西,就会发生不好的事情. Your caller ID may even say the call is from the government, but caller ID can be faked. A scammer may also impersonate law enforcement, such as FBI, 威胁说,如果你不提供个人信息或不给他们寄钱,你可能会被逮捕. 任何政府机构或执法人员都不会在电话中要求你提供个人信息或要求你给他们寄钱! Visit the following FTC link for further details: http://www.consumer.ftc.gov/articles/how-avoid-government-impersonator-scam
You see a pop-up message on your computer that tells you your computer has a virus. The message may look similar to legitimate anti-virus software messages. In some case, the fraudster is trying to sell you bogus security software that does little or nothing. In other cases, this fraud may involve illegitimately capturing credit card information, or installing malicious software such as a keystroke logging program. If you click to accept a download, 你很可能允许安装恶意软件,并把电脑的控制权交给骗子.
The scammer will contact their victims via phone call, email, 或发短信,伪装成来自亚马逊或诺顿杀毒软件等知名企业的人. 骗子通常会说你的账户有问题,或者你没有购买的东西已经收费了. 他们将要求您立即联系他们以纠正问题,届时他们也可能要求访问您的设备以处理退款. Once they gain access to your device, 他们要求您登录您的网上银行,在此过程中,他们正在窃取您的登录凭据/访问您的帐户和帐户信息. Visit the following FTC link for further details: http://www.consumer.ftc.gov/articles/how-spot-avoid-and-report-tech-support-scams
Scammers advertise jobs the same way legitimate employers do — online (in ads, on job sites, and social media). They promise you a job, but what they want is your money and your personal information. They will often send you a check and ask you to purchase equipment or material for the job. They may also ask you to purchase gift cards with the funds. 没有一个合法的潜在雇主会给你一张支票,然后让你把其中的一部分寄出去,或者用它买礼品卡. The check will bounce, and the bank will want you to repay the amount of the fake check. Visit the following FTC link for further details: http://www.consumer.ftc.gov/articles/job-scams
A scammer will contact their victim via an online sales ad, such as an ad on Craigslist or Facebook Marketplace, asking to purchase the item. 骗子会寄给受害者一张金额超过约定购买价格的支票,并要求受害者立即将超出的部分寄回给他们. The check gets returned and the victim is left to cover the loss. Visit the following FTC link for further details: http://www.consumer.ftc.gov/features/fake-check-scams
If something sounds too good to be true, it probably is!
每年,数以百万计的美国人发现犯罪分子冒用了他们的身份. 在受害者意识到他们的身份被盗之前,欺诈者利用被盗的社会安全号码或其他个人信息可以迅速获得数千美元的购买.
Identity theft has become the fastest-growing crime in America, 这种犯罪行为通常让受害者承担清理虚假购物网络的责任, bogus accounts, and damaged credit ratings.
Take Action to Avoid Identity Theft
如果您担心您的孩子或18岁以下的孩子的潜在身份被盗, you can use this form to send a letter to the three primary credit bureaus. You will need to enter your information three times, since the form creates letters to all three bureaus.
If you are concerned that your child under the age of 18 is a victim of identity theft, 你应该联系三个信用局,让他们搜索你孩子的信息. Visit the following FTC’s website for further information: How To Protect Your Child From Identity Theft | FTC Consumer Information
If you think you are a victim, call us at 800.966.8200.
请浏览以下网站,了解更多有关预防诈骗的资讯,以及当你成为诈骗受害者时该如何做.
以帮助限制你收到的电话营销电话的数量和你的机会,骗子联系你, you can register your phone number(s) with the National Do Not Call Registry here: http://www.donotcall.gov/
To stay up to date on scams, 请浏览联邦贸易委员会网站的以下摘要页,并按“获取电邮更新”订阅“消费者资讯”: Scam Alerts | FTC Consumer Information
ReportFraud.ftc.gov 你可以在联邦政府的网站上举报欺诈、诈骗和不良商业行为吗.
Money Smart for Older Adults Guide
Visit consumer.ftc.gov to find tips and learn how to avoid scams.
Consider placing a security freeze with the three major credit reporting agencies. This can be done online or by phone. A security freeze prohibits, with certain specific exceptions, 信用报告机构未经消费者授权不得发布消费者信用报告或其中的任何信息.
Equifax
Security Freeze | Freeze or Unfreeze Your Credit | Equifax®
Experian
Security Freeze Center at Experian
Transunion
Credit Freeze | Freeze My Credit | TransUnion
总检察长办公室也是另一个消费者保护资源,如果你是欺诈的受害者,你可以联系它. Visit this direct link to the Vermont AGO’s website: Scams - Office of the Vermont Attorney General
If you think you have become a victim of identity theft, or if you have any questions, call the Contact Center at 800.966.8200.