Phishing is a scam in which you receive a fraudulent email designed to steal your identity or personal information, such as credit card numbers, bank account numbers, debit card PINs, and account passwords. The email may state that your account has been compromised or that one of your accounts was charged incorrectly. The email will instruct you to click on a link in the email or reply with your bank account number to confirm your identity or verify your account. The email may even threaten to disable your account if you don't reply, but don't believe it.
Legitimate companies never ask for your password or account number via email. If you receive a phishing email there are several actions you should take:
Don't click on any links in the email. They can contain a virus that can harm your computer. Even if links in the email say the name of the company, don't trust them. They may redirect to a fraudulent website.
Don't reply to the email itself. Instead, forward the email to the Federal Trade Commission at firstname.lastname@example.org.
If you believe that the email is valid, contact the company using the phone numbers listed on your statements, on the company's website, or in the phone book. Tell the customer service representative about the email and ask if your account has been compromised. You can also contact the company online by typing the company's web address directly into the address bar; never use the links provided in the email.
If you clicked on any links in the phishing email or replied with the requested personal information, contact the company directly to let them know about the email and ask to have fraud alerts placed on your accounts, have new credit cards issued, or set new passwords.
Similar to phishing, vishing scammers also seek to get you to provide your personal information. However, vishing scams use the phone to make their requests, instead of email. You may be directed to call a phone number to verify an account or to reactivate a debit or credit card. If you have received one of these calls, report it to the Internet Crime Complaint Center.
If you receive telemarketing calls after your phone number has been in the national registry for 31 days, you can file a complaint using the same website and phone numbers. To file a complaint, provide the date of the telemarketing call, phone number, and name of the company that called you. You may also file a complaint if you receive a call that used a recorded message instead of a live person, even if your phone number is not on the registry.
If you represent a telemarketing company and would like information on compliance issues, or to subscribe to the Do Not Call Registry, visit the telemarketer website.
You can take several actions to stop the delivery of unwanted mail in your mailbox.
Tell companies you do business with to remove your name from customer lists they rent or sell to other companies. Look for information on how to opt-out of marketing lists on sales materials, order forms, emails, and websites.
Contact the Data & Marketing Association to sign up for their mail preference service. This will allow you to remove your name from most national telemarketing, mail, and email lists. You can register for free online or by sending the registration form and $1 fee through postal mail.
The Consumer Credit Reporting Industry's Opt-Out Program lets you stop receiving credit card and insurance offers. All major credit reporting agencies (Equifax, Experian, Innovis, and TransUnion) participate in this program. Register online or call 1-888-567-8688 to opt-out of receiving these offers for five years. You must register online if you want to opt-out out of these offers permanently.
Complete and file a PS Form 1500 at your local Post Office to prevent, or stop, receiving sexually oriented advertising in your mail.
If you have previously completed a request to opt-out from receiving firm (pre-screened and pre-approved) offers for credit or insurance, you must complete a request to opt-in to begin receiving offers again.
Remember, opting-out will not end all mail solicitations. Local merchants, religious and charitable associations, professional and alumni associations, politicians, and companies with which you do business may still send you mail.
Telephone scammers try to trick you out of money or get access to your personal information. Scams may come through phone calls from real people, robocalls, or text messages. The callers often make false promises, such as opportunities to buy products, invest your money, or receive free product trials. They may also offer you money through free grants and lotteries. Some scammers may call with threats of jail or lawsuits if you don’t pay them.
Report Telephone Scams
Reporting scams to federal agencies helps them collect evidence for lawsuits against people committing these scams. However, federal agencies don’t investigate individual cases of telephone scams.
Remember these tips to avoid being a victim of a telephone scam:
Register your phone number with the National Do Not Call Registry. You may register online or by calling 1-888-382-1222. If you still receive telemarketing calls after registering, there’s a good chance that the calls are scams.
Be wary of callers claiming that you’ve won a prize or vacation package.
Research business opportunities, charities, or travel packages separately from the information the caller has provided.
Don’t give in to pressure to take immediate action.
Don’t say anything if a caller starts the call asking, “Can you hear me?” This is a common tactic for scammers to record you saying “yes.” Scammers record your “yes” response to use as proof that you agreed to a purchase or credit card charge.
Don’t provide your credit card number, bank account information, or other personal information to a caller.
Don’t send money if the caller tells you to wire money or pay with a prepaid debit card.