The smartphone user’s guide to fighting phone scams
As technology advances, so too does the creativity of fraudsters, making it crucial for anyone using a phone to remain vigilant against the ever-evolving tactics used to compromise personal information.
Today, modern smartphones connect you to online banking, social media accounts, and so on.
Equipped with features such as internet access, texting, email, and app installation, smartphones have become prime targets for more complex, targeted ruses than harmless pranks from the days of old. If you want to keep up with technological advances and the evolving creativity of fraudsters, you’ll need to stay vigilant. Start by reviewing the list of common phone scams below and use the included tips to help keep your personal information and accounts safe:
Robocalls with realistic-sounding callers often provide tantalizing offers. Some start by asking, “Can you hear me?” which unlocks incredible purchasing opportunities for them once they capture a recording of you saying, “Yes.” The longer they keep you talking, the more personal information they’re likely to extract from you. To end the nuisance, add your home or mobile phone numbers to the Do Not Call Registry for free.
Supposedly from the police, IRS personnel, relatives, familiar companies, delivery drivers, financial institution, and so on—try to gain your trust, threaten you, or use other scare tactics so you’ll divulge personal information, such as social security numbers, passwords, account numbers or credit card numbers. Hang up; verify their identity by calling them back using a known number.
Malicious apps mimic familiar ones and can steal your personal information or generate revenue through in-app purchases. Stick to official app stores, be mindful of the permissions you grant your apps, always keep your phone updated, and protect your phone with a reputable security app.
QR codes aren’t always what they seem. In public spaces, they can be easily masked by stickers displaying fake QR codes that open fraudulent websites, download malware, or redirect to alternate payment sites. Instead, skip scanning; it’s safer to manually enter web addresses.
A SIM-card is a small chip that connects your phone to a mobile network, allowing you to make calls and use the internet. SIM card swapping is a type of hacking that can happen with your phone service even before you get your phone. It can affect anyone who has important online accounts that only use text messages for security. To stay safe, avoid using your phone number to recover accounts. Instead, use apps whenever possible for extra security that aren’t linked to text messages.
One-time password bots send automated messages claiming suspicious activity on your account or ask you to confirm your identity with a code sent via SMS. Do not provide this information, as it can allow fraudsters to access your accounts. If you receive an unsolicited call of this nature or did not initiate the request yourself, avoid clicking links or sharing personal information. Always verify the source using trusted channels.
Remember, Southbridge Credit Union will never call or text you to ask for password or account information. If you believe a phone scam has compromised your banking information, please contact SCU right away by calling us at 888-599-2265. We’re here to help you stay safe 24/7/365. Don’t worry—we’ve got you.