Phishing and spoofing are tricks used by scammers to steal your personal information, like passwords, bank details, or Social Security numbers. Imagine getting a letter that looks like it’s from your bank but is actually from a thief. In phishing, scammers send emails, text messages, or even phone calls pretending to be someone you trust, like your bank, Medicare, or a company like Amazon. Spoofing is when they fake the sender’s identity, such as making an email look like it’s from a legitimate source or a phone call appear to come from a familiar number.
For example, you might get an email saying your account is locked and you need to click a link to fix it. The link takes you to a fake website that looks real but steals your login details. Or a caller might say they’re from the IRS and demand immediate payment for “unpaid taxes.” These scams prey on trust and urgency to trick you into acting quickly without thinking.
Seniors are often targeted because scammers assume they may be less familiar with technology or more trusting of official-looking messages. But with a few simple steps, you can spot these scams and stay safe.
Tips to Identify Credit Card/Check Fraud
Review Statements Monthly: Check your credit card and bank statements for unfamiliar charges or withdrawals, even small ones.
Be Cautious with Cards: Don’t share card numbers over the phone or email unless you trust the recipient. Use secure websites for online shopping.
Watch for Skimmers: At ATMs or gas pumps, check for devices attached to card readers that steal your info. Tug on the reader to ensure it’s secure.
Shred Old Checks: Destroy unused checks or statements with account numbers before throwing them out.
Report Lost Cards Fast: If your card or checkbook is missing, call your bank or card issuer immediately to freeze the account.
Set Up Alerts: Ask your bank to send text or email alerts for transactions. A family member can help you set this up.
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San Diego seniors lost $108 million to scams in 2024