How to Spot a Phishing Scam

Can You Spot a Phishing Scam?

October is Cybersecurity Awareness month and gives us the opportunity to remind you how to protect yourself from potential scams. Think that call, text or email might be a trick? If you think that a call, text or email might be a trick, review these red flags:

• High-pressure language
• Scare tactics or a sense of urgency
• Banks won’t ask you for sensitive account information, passwords or your Social Security number
• Banks won’t ask for your PIN or a login code that’s texted to you
• Request you to visit an unfamiliar web site
• Incorrect grammar, unprofessional language or multiple typos
• Be careful about clicking suspicious links and opening email attachments

Your best offense is a good defense against these bad actors. Lock down your accounts before scammers strike.

1. Set up multi-factor authentication on your bank and email login
2. Use random or complex passwords
3. Call your bank directly to verify messages or emails received
4. Keep your browser up-to-date with the latest defenses, like virus protection and malware alerts

What to do if you receive a scam email, call or text:

Email or Text

If you suspect that an email or text you receive is a phishing attempt:

• Take a deep breath. In most cases, it’s perfectly safe to open a scam email or text. Modern mail apps, like Gmail, detect and block any code or malware from running when you open an email. The key is not to click links or download any attachments. 
• Do not download any attachments in the message. Attachments may contain malware such as viruses, worms or spyware.
• Do not click links that appear in the message. Links in phishing messages direct you to fraudulent websites.
• Do not reply to the sender. Ignore any requests from the sender and do not call any phone numbers provided in the message. 
• Report it. Help fight scammers by reporting them. Forward suspected phishing emails to the Anti-Phishing Working Group at reportphishing@apwg.org. If you got a phishing text message, forward it to SPAM (7726). Then, report the phishing attack to the FTC at reportfraud.ftc.gov.

Call

If you receive a phone call that seems to be a phishing attempt:

• Hang up or end the call. Be aware that area codes can be misleading. If your Caller ID displays a local area code, this does not guarantee that the caller is local.
• Do not respond to the caller’s requests. Financial institutions and legitimate companies will never call you to request your personal information. Never give personal information to the incoming caller.
• If you feel you’ve been the victim of a scam, and you did provide personal or financial information, contact your bank immediately at their publicly listed customer service number. Often, this is found on the back of your bank card. Be sure to include any relevant details, such as whether the suspicious caller attempted to impersonate your bank and whether you provided any personal or financial information to the suspicious caller.

What to do if you fall for a scam email, call or text:

1. Contact your bank, financial institutions and creditors
   • Speak with the fraud department and explain that someone has stolen your identity.
   • Request to close or freeze any accounts that may have been tampered with or fraudulently established.
   • Make sure to change your online login credentials, passwords and PINs.
2. Secure your email and other communication accounts
   • Many people reuse passwords and your email or cell phone account may be compromised as well.
   • Immediately change your accounts’ passwords and implement multi-factor authentication — a setting that prevents cybercriminals from accessing your accounts, even if they know your password — if you haven’t already done so.
3. Check your credit reports and place a fraud alert on them
   • Get a free copy of your credit report from annualcreditreport.com or call 877.322.8228.
   • Review your credit report to make sure unauthorized accounts have not been opened in your name.
   • Report any fraudulent accounts to the appropriate financial institutions.
   • Place a fraud alert on your credit by contacting one of the three credit bureaus. That company must tell the other two.
     – Experian: 888.397.3742 or experian.com
     – TransUnion: 800.680.7289 or transunion.com
     – Equifax: 888.766.0008 or equifax.com
4. Contact ChexSystems at 888.478.6536 to place a security alert on the compromised checking and savings accounts when a deposit account has been impacted. Or, make your report to ChexSystems online.
5. Contact the Federal Trade Commission to report an ID theft incident: visit identitytheft.gov or call 877.438.4338.
6. File a report with your local law enforcement.
   • Get a copy of the report to submit to your creditors and others that may require proof of the crime.