How to Spot a Scam Call, Text or Email

The golden rule: if someone contacts you out of the blue and rushes you, it is a scam. Real companies do not demand gift cards, wire transfers or remote access on a surprise call.

Warning signs

• They contacted you first and say there is a problem with your computer, bank account, Social Security, package or a relative.
• They rush you. “Act now or your account will be closed.”
• They ask for payment in gift cards, wire transfers, cryptocurrency or cash in the mail.
• They want a code that was just texted to you, or your password.
• They want to connect to your computer after you did not call them first.
• A pop-up on your screen says “virus” and shows a phone number. Real warnings never do that. See How to stop pop-ups.
• The email address or web address is slightly off, like paypa1.com.

What to do

1. Stop. Do not click, call back or pay. Hang up or close the message.
2. Call the real company yourself. Use the number on the back of your bank card, a bill, or the company’s real website – not the one in the message.
3. Ask someone you trust or call Town Tech. We are glad to take a look at a strange email or message with you. Call or text first.

If you already clicked, paid or gave out a password

• Change the password on that account right away (see How to get back into your account), and on any other account that used the same password.
• Call your bank or card company right away and tell them.
• If you let someone connect to your computer, turn it off and call us.
• Report scams to the Federal Trade Commission at reportfraud.ftc.gov or the Better Business Bureau at bbb.org/scamtracker.