Online scams aren’t just becoming more common,?????? ?????? ????? ???????? they’re changing in approach, and getting harder to spot. These days, there are scams all over the internet, and while some are relatively easy to spot, others are highly sophisticated – and you might not notice them until it’s too late.
That said, a bit of knowledge of online scams and how they work can go a long way. For the vast majority of online scams, there are telltale signs, and spotting them could save you from falling victim. Here are some of the most common online scams and the warning signs associated with them.
Phishing scams
Phishing scams are a common type of online fraud where scammers impersonate trusted companies, like banks or online retailers, in an effort to steal personal information like passwords or credit card details. These messages, often sent via email or text, are designed to convince you to click on a link to a web page where you’ll share sensitive data. For example, you might get an email that looks like it’s from your bank, warning of suspicious activity and prompting you to “verify” your account. Click the link, and you’ll be taken to a website that lookslike your real bank’s website – but it’s not, and when you enter your password, you’re actually handing it over to scammers.
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To spot phishing attempts, look for generic greetingslike “Dear Customer,” suspicious sender addresses, and poor spelling or grammar. Be wary of urgent requests or threats that push you to act quickly. If something feels off, don’t click any links. Instead, visit the company’s official website directly to check your account. For example, if you get an email that looks like it’s from your bank, don’t click the link – navigate manually to your bank’s website to log in and find out if the email is the real deal.
Investment scams
Investment scams lure people in by promising guaranteed or unusually high returns with little to no risk. Scammers often pose as financial advisors or representatives of legitimate-sounding companies, pushing opportunities in areas like cryptocurrency, stocks, or forex trading. These schemes might show fake testimonials, flashy websites, or even forged documents to appear credible and pressure you into investing quickly.
SEE ALSO: Have you been impacted by a scam or security breach?The warning signs include promises of “guaranteed” profits, pressure to act fast, or being asked to invest through unregulated platforms. Be cautious if someone you don’t know reaches out about an investment opportunity, especially if they only communicate online. Always research thoroughly and consult a trusted financial professional before sending any money.
Job offer scams
Job offer scams target people by advertising high-paying, low-effort jobs or sending unsolicited offers that sound too good to be true. Scammers pose as recruiters or hiring managers from real or fake companies and quickly move to offer you a position without a formal interview. Often, these scams involve requests for personal information, upfront payments for training or equipment, or sending you a check and asking you to wire back part of the funds – only for the original check to be fake.
To avoid falling victim to a job offer scam, watch for vague job descriptions, poor communication, or requests for money early in the hiring process. Be skeptical of offers that promise large sums of money for little or no work. A legitimate employer will never ask you to pay fees or share sensitive information like your Social Security number as part of the screening or interview process.
Tech support scams
Tech support scams trick people into believing their computer or device has a serious issue, like a virus or security breach. Scammers may use pop-up warnings, fake antivirus alerts, or even cold calls pretending to be from companies like Microsoft or Apple. The goal is to scare you into giving them remote access to your device or paying for unnecessary repairs and services.
Warning signsinclude unsolicited messages claiming your device is infected, requests to install remote access software, or demands for payment via gift cards, wire transfers, or cryptocurrency. Legitimate tech companies won’t call you out of the blue or pressure you to act immediately. If you’re unsure, close the pop-up or hang up and contact the company directly through official support channels – if you believe the scam might be impersonating a legitimate company.
Online marketplace scams
Online marketplace scams happen when buyers or sellers on platforms like Facebook Marketplace, Craigslist, or eBay try to defraud others. Common tactics include sellers offering high-demand items at suspiciously low prices, or buyers sending fake payment confirmations and asking you to ship the item before funds are actually received. Some scammers even overpay with a fraudulent check and request a refund of the difference. And, sometimes these scams come in the form of cheap rental properties advertised on websites like Craigslist.
To avoid these scams, be cautious of deals that seem too good to be true, buyers or sellers who refuse to meet in person, or anyone asking for payment via gift cards, wire transfers, or cryptocurrency. Always verify payment before shipping an item and stick to secure payment methods offered by the platform whenever possible.
Charity scams
Charity scams exploit people’s goodwill by posing as legitimate nonprofits, especially after natural disasters or during the holiday season. Scammers often create fake websites or send emails and phone calls asking for donations, sometimes using emotional stories to pressure quick contributions. These fraudulent charities often request untraceable payments like wire transfers, gift cards, or cryptocurrency.
To spot a charity scam, be wary of urgent pleas for help, vague details about how donations will be used, or organizations you’ve never heard of. Legitimate charities are transparent, have clear contact information, and allow you to donate securely through their official website.
Stay skeptical
The basic gist of avoiding online scams is that you should never trust someone you don’t know when they’re asking for money or personal information, especially if they contacted you rather than the other way around. There are so many more online scams than just those listed here. Pay close attention to website URLs and email addresses, and look for any that are closeto the real deal, but not quite the same.
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