Have you ever been scammed or “almost” scammed? Many of us have! Scammers are professional theft seekers looking to take advantage of your personal information just to, in the end, STEAL YOUR MONEY OR EVEN YOUR IDENTITY? Don’t Get Scammed Again and here is What Not To Do!
I have researched and listed the “most common” scams many people deal with daily and what we should all be very aware of! This really happens all year round!
Here are the 8 types of ways scammers prey on you and what you should not do!
Here are 8 Types of Ways Scammers Prey On You!
1. Telephone Scams – Can be real or a robotic message calling you over the phone, often threatening for you to pay up, or there will be a warrant for your arrest.
- Please give in to any pressure to provide them with any personal information. If the caller starts asking you questions, be aware that if they ask anything that requires you to say just one word, “yes.” YOU are at great risk of giving them your full approval to go ahead and charge whatever the purchase cost.
- Don’t ever say the word “yes” or give any of your personal information. Please do not send them money.
2. Banking Scams – There are 4 types:
- Over Payment Scams – The scam artist sends you a counterfeit cheque to deposit into your bank account, and then you send the money back to them. You end up having to pay your bank back all the money because the cheque was FAKE. Plus, you will lose any other money you sent.
- Unsolicited Cheque Fraud – A scammer sends you a cheque for no reason, and if you cash it, you will be authorizing a purchase or a loan you didn’t ask for.
- Automated Withdrawals – A scam company sets up an automatic withdrawal from your bank account as part of a free trial or lottery winnings.
- Phishing – A direct e-mail message asking you to validate your bank account information or bank card number.
- Trust the appearance of cheques or money orders even though it looks very professionally done.
- Deposit cheques or money orders from people you don’t know.
- Send money to people or company’s you don’t know.
- Click the links in your e-mail to verify your banking information.
- Accept a cheque that includes an overpayment.
3. Charity Scams – Scamming Organizations try to take your money, especially during a major disaster. Some will go door to door claiming to raise money for a particular charity, so be careful of people claiming to be what they are not.
- Give in to any pressure to donate any money even if they seem to be a very nice person.
- Give your bank card or credit card information.
4. Ticket Scams – Scammers copy high-quality counterfeit tickets and sell duplicates to you, usually through email. They usually take advantage of popular events that sell out and often charge you more money than what the ticket was originally worth.
- Transfer any money to pay for tickets from sources you can’t trust.
- Meet someone anywhere to pick up tickets alone or in a secluded area.
- Trust online paid ads by ticket sellers.
5. Lottery and Sweepstakes Scams – Try to get your money through fake lotteries, sweepstakes, or other contests. They claim you have won a prize, but you have to pay a fee to collect it first. They usually contact you by postal mail, e-mail, phone calls, robot calls, or text messages.
- Pay any money before receiving a prize of any kind. Even if they say, it’s to pay for taxes or shipping costs.
- Deposit a cheque from any organization.
- Automatically believe someone claiming they are from a government organization.
- Click on links to be eligible for a prize.
- Attend sales meetings to be eligible to collect a prize.
- Give in to pressure.
- Believe anyone claiming to be from a foreign lottery or sweepstakes.
6. Pyramid Schemes – Scamming companies require a constant flow of members that continuously participate in keeping them going. They pretend to be MMO (Multi Marketing Organizations) or other types of legitimate businesses. Their businesses always collapse when they can no longer get recruits to pay for earlier investors’ profits.
- Invest any money until you have done complete research on the company.
- Invest in any opportunity that has warning signs of a pyramid scheme.
- Invest when there’s no real legitimate MLM product or service to provide people with but then promises you high returns.
7. Investment Scams – Scam you to invest money and in turn claim to make you lots of money “without” any financial risk.
- Give in to pressure even if they lowball you (to invest less money) or try to con you in any way.
- Believe them when they promise you a lot of money.
- Believe someone just because they are nice or that it seems like you could trust them or claims to have a professional title.
8. Government Grant Scams – Scammers offer a grant you can use for college, home repairs, etc. They request your bank account information to either deposit money directly to your account or ask to withdrawal a one-time processing fee.
- Give your banking information to anyone.
- Pay for any government grant fee because real government grants that are awarded will never ask you for money.
- Believe anyone that claims to be from a government agency.
- Assume callers are from the area code they are calling you from.
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My Personal Experience and Thoughts
I received so many robot calls the past couple of years from scammers claiming that I owed money. It was crazy. The robot message threatened me that there would be a warrant for my arrest if I didn’t pay them.
Of course, I knew it was a hoax. But still, it felt scary. For months, they left countless messages on my cell phone. I kept erasing them until they finally went away. It took them a long time to leave me alone, but eventually, they did!
Sadly, these scammers (for some reason) get away with this. I decided to write this article to help people learn what NOT TO DO if they are involved in a scamming situation.
If you had any experience dealing with Scammers in any way, please share your experience(s) below. Let’s help each other gain more knowledge on handling scamming situations, so they lose, and we win!
All the best to you, NOT getting Scammed!