Tips to Stay Safe From Telephone Scams
Telephone scams are not new, but with evolving tactics and technology, thousands of people fall victim every year. For instance, scammers may pose as the IRS, urging individuals to pay with iTunes. When receiving a call from an unknown number, ask yourself these questions:
Who is calling and why?
Ask questions to identify the caller and their purpose. If they avoid your questions or provide suspicious answers, hang up. Legitimate telemarketers must disclose that they are calling to sell something, the seller's name, and what they are selling before making their pitch.
What’s the hurry?
High-pressure tactics, such as urgent claims or threats from callers, are red flags for scams. Legitimate businesses or authorities will provide the time and/or written information you request.
Why do I have to pay for something “free”?
Scammers may claim you've won a prize or can get something for free, but only if you pay for shipping or a small fee. If payment is required, it's a purchase, not a prize or gift. Legitimate telemarketers will confirm they are calling to sell you something.
Why am I confirming or providing my account information?
Only provide this information when purchasing from a legitimate seller. Fraudsters may use partial information, like your address or full name, to gain trust for additional personal or account information. Some callers may have your billing information and ask you to confirm, then falsely claim you approved their charges.
What time is it?
Telemarketers are only allowed to call between 8 am and 9 pm
Do I want more calls like this?
If you don't want a number to call you again, inform them and register your phone number on the National Do Not Call Registry. If they call again, they are breaking the law and likely attempting to scam you.
Remember, if it sounds suspicious or too good to be true, trust your gut and hang up. Never provide your credit card information, account number, or Social Security number to unfamiliar callers or in exchange for a 'free' gift or prize."