These days, phone calls are used to steal personal and bank information over the phone.
It is always better not to hang up the phone if you think you are being scammed and not return their calls. Some scammers go as far as threatening you with lawsuits or hurting a loved one to get you to give them what they want.
In order to stay safe, please be careful about these 10 sneaky phone call scams.
- If the first thing they say is ‘can you hear me’
Scammers want to record you saying ‘yes’ in order to have proof that you agreed to buy a certain scam program. So if the first thing you hear when you pick up the phone is ‘can you hear me’ make sure to answer by saying ‘ I hear you just fine’ instead of saying ‘yes’.
This is also a good idea to use this technique even if you are talking with someone you know.
- IRS scams
Scammers use IRS as a strategy to induce fear, they will claim that they are from the IRS and they want to collect cash. They will also threaten to send the police over. Make sure to remain calm and know that if the IRS is after your money, you will be getting a letter in the mail and never a phone call from them.
The scammers will also try to collect your personal information like your address, social security number. Perfect thing you can do is hang up.
- Bank calls
This one is tricky because banks actually use the phone to contact their customers. So if you receive a call from your bank, make sure you don’t give out details about your card, the scammer may already have your credit card number and date of expiration and will be asking for the security code. They also claim that your card is frozen for prevent fraud in order to gain your trust and then proceed to ask for your security code.
In this situation, to make sure that it is in fact the bank who is on the phone, you can call customer service and ask if they have tried to contact you.
- Hangs up after just one ring
Never be in a rush to answers phone calls, Robocalls are able to fake namers of real banks and organizations. Calling them bank put in their target as a potential scam victim.
Not only that, calling them back may lose you’re a lot of money, as it could be an erotic hotline which charges $17 a minute. And you run risk of revealing personal information if you’re talking to real person on the other end of the line.
It is recommended to let unknown numbers reach the voicemail, and if the caller is interested they will leave a message.
- Virtual kidnapping
Scammers prey on their victim’s fear, so some go as far as faking a kidnapping. Do not panick if you receive this call even if you hear screams.
As soon as you hear that they kidnapped a loved one, immediately hang up and call that loved one to make sure they are alright.
Real kidnappers won’t stay on the line to make you pay money, they will always hang up as soon as possible. It is important to stay calm and never give up any information.
- Tech support
Whenever you get a call from someone saying they are from a tech company like Microsoft or Apple, go ahead and hang up immediately.
It is obviously a scam as no one can know you’re having a computer problem. They just want you to say the word ‘yes’ so the best thing you can do is just hang up.
- Grandparent scam
Many scammers target senior citizen as they are less tech savvy, they will claim that they are their grandchild and pretend to have lost their wallet and in desperate need for financial aid. If you are a grandparent do not give away any money until you make sure they are your real grandchildren.
- You are the lucky winner
When a thing is much better to be true, it probably is. When you pick up the phone to hear that you have won a big prize or a million dollars, it is so tempting that you let your guard down and don’t realize that you can’t win a competition if you have never enter one.
If you have legitimately enter a lottery, and you receive a call from a tax collector, know that you don’t need to pay any taxes unless you have already received the money.
Although you will get a lot of calls from legitimate charities and political lobbyists, you should always be skeptical of the caller.
Ask them that you will call them back or better yet, ask for more information to be sent to your home, if the charity is something that interests you, do more research to find out if they are really legitimate and then proceed to donate.
You can visit charitynavigator.org to find out where your donations are being spent.
- Jury eligibility
You could receive a call saying that you have been chosen for jury duties and they want to confirm your social security number, don’t!
Not because the source sounds authentic you should give away such information over the phone.
Always be skeptical and best not to answer unknown numbers. And always be careful about giving away your personal information. Stay safe and if you like this article make sure to share it with your loved ones.