We thought it would be helpful to share some common scams that are being seen in our banking environment and world today. We hope by sharing this information it will increase awareness to our friends, loved ones and our community. Please note that there are many variations of these types of common scams and you can learn more at https://www.consumer.ftc.gov/features/scam-alerts.
- Amazon Scam-An individual who claims to be with "Amazon.com" and they will state that your credit card/debit card has been charged a large amount of money for a recent order. They will then ask you to call customer support if you didn't make that purchase. If this seems suspicious, that's because it is. Scammers want you to call the phone number they give so that they can ask for your passwords, credit card and other sensitive information to get your money.
- Vehicle Wrap Scam-There are some promising "easy money" ads out there on job boards, social media or someone might send you a message or emailing claiming that if you shrink-wrap your car with ads, you can earn "easy money". The "company" behind the ads say all you have to do is deposit a check, use part of it to pay a specified shrink wrap vendor, send a portion of the funds back and drive around like you normally would. What is important to note is that although you may have received a check, the check will bounce because it is a fraudulent check. The money you kept as "your share" disappears, and the money you sent back is gone. On top of that, you're on the hook for paying the bank back for the fraudulent check.
- Tech Support Scam-
Tech Support scammers want you to believe you have a serious problem with your computer, like a virus. They want you to pay for tech support services you don't need or fix a problem that doesn't exist. Tech support scammers use many different tactics to trick people. Tech support scammers may call and pretend to be a computer technician from a well known company. They say that they've found a problem with your computer. They often ask you to give them remote access to your computer and then pretend to run a diagnostic test. Then, they try to make you pay to fix a problem that doesn't exist. It is important to know that legitimate tech companies won't contact you by phone, email or text message to tell you there is a problem with your computer.
- Gift Card Scam-There are many variations of scams involving gift cards. Perhaps, someone said that you've won the lottery, a prize or sweepstakes. They might state that in order to collect your winnings, you have to pay with gift cards. It is important to note that if anyone who insists that you pay by gift card is ALWAYS a scammer.
- Selling Items Online-If you're selling an item online, someone you don't know replies and sends you a check and asks for money--that is a scam. Fake checks come in many forms. They might look like business or personal checks, cashier checks, money orders or electronic checks. In a fake check scam, a person you don't know will ask you to deposit a check, sometimes for several thousand dollars, and usually for more then you are owed--then they ask you to send some of the money back. The scammers always have a good story to explain the overpayment. The best advice is to sell items locally and demand cash for payment. Meet the buyer in a public parking lot or at a local Police station where there are cameras in the parking lot. To be safe, do not go alone--bring someone with you.
- Phishing Scam-Scammers use email or text messages to trick you into giving them your personal information. They may try to steal your passwords, account numbers and social security numbers. Phishing emails and text messages may look like they are coming from a company you know and trust. They may look like they are from a bank, credit card company, online store and etc. They often trick you into clicking on a link or opening an attachment. If this seems suspicious, it is important to go on the legitimate website or call the company directly.