Saturday, October 11, 2014

Phone Scams continue. Do not be a victim!

We have issued this warning before but its time for a reminder.

NEVER ... provide your bank account information, Medicare number, Social Security number or any other personal or financial information to unknown individuals over the phone. Remember government officials DO NOT call and request payments via credit cards or wire transfers.

* Wire transfers and prepaid debit transactions cannot be tracked or reversed. Scammers often demand money by wire transfer because it is like sending cash, once the transfer is sent it cannot be undone and the victim is out of the money. Prepaid debit cards are similar to wire transfers, once you give the access numbers to the scammer to remove the funds, they cannot be retrieved. If someone is demanding payment by wire transfer or prepaid debit card, it is a MAJOR red flag that it may be a scam.

* Just because the caller says they are with a branch of the government doesn't mean they are. Take a moment to check your telephone directory, or do a Google search to check if the government entity exists.

* Do not always believe what shows up on the caller ID. Scammers having spoofing technology that can change the name and phone number that shows up. If you are unsure if a call is legitimate, be sure to ask question about the companies name and contact information and research this information before proceeding.

* If a scammer has personal information including your social security number, or you think your identity may be compromised, contact the FTC to report the issue and the three credit bureaus to have a Fraud Alert placed on your report; TransUnion 800-680-7289, Experian 888-397-3742 and Equifax 800-525-6285

* Contact your bank(s) and credit card companies if you believe this information has been compromised

* File a complaint at www.IC3.gov, they monitor and investigate internet crime and schemes.

* Before doing business with a payday lender, or any other business, check out the company's BBB Business Review at bbb.org to see its BBB rating, complaint history and more.








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