欺诈者使新沙巴体育网诈骗听起来合法的4种方法

Smart consumers aren't the only ones who stay alert to financial scams. Criminals also keep their eyes open to fraud alerts published by watchdog websites, like 欺诈.org. 他们利用这些信息来调整他们的计划, making them sound more realistic to unsuspecting victims. 幸运的是, you can still avoid most scams by focusing on the common tactics criminals use to get you to believe their lies.

Here are four ways scammers make financial scams sound legitimate.

1. 骗子会跟随新闻头条.

全球大流行, 恶劣天气事件, or national tragedy can signal an opportunity for many scammers. 恐惧的自然反应, 混乱, and uncertainty can make people vulnerable when they normally would be wary of suspicious offers. Scammers will try to associate themselves with legitimate state and federal agencies listed in the media. They may even encourage you to keep the conversation secret or risk your eligibility for a special offer, 好处, 或者财务结算. 

Thieves will also fraudulently represent themselves as insurance providers or financial advisors who claim to quickly provide the financial relief you need. 

Credit Union of Colorado members have recently experienced schemes involving fraudulent state unemployment claims and government relief loans. 经常, the scammer will first have those funds sent to the member's account and then have the member send them on to the scammer through anonymous financial channels. This process helps to mask the perpetrators' true identity. 当执法部门追查此事时, they first assume the funds were stolen by the person owning the account, 资金最初被送到了哪里.  

2. Scammers know that you're less likely to talk to strangers, so they'll use people you already know.

欺诈sters may attempt to use the private messaging scam to get you to send money or share personal financial data by posing as an old friend. They'll hack the social media profile of one of your contacts and pretend to be in desperate need of financial help. 

Another way a thief might encourage you to open your wallet 是 claim that a relative is in jail and needs bail money. They may pretend to contact you from an attorney's office or even pose as your relative. When questioned why their voice sounds different, they'll claim they've been crying or are sick. 

3. Scammers know consumers have been warned to only trust well-known sources for financial assistance. 

欺诈者使用听起来很官方的头衔, 短语, and terms that would cause few people to question their legitimacy.  为了获得你的信任，他们可能会使用这样的名字: 

• “国家索赔和退款部”
• 联邦电子纳税系统
• 美国新沙巴体育网救济公司

Some will direct you to a fake website where you must enter your bank account information to receive the promised funds. 如果你质疑他们的合法性, they may offer to transfer you to their manager to verify everything you've been told. You'll be asked to stay on hold while they transfer you to a senior level employee who can discuss your concerns. 

在现实中, your call is sent to another scammer in the same call center who is well-prepared for such requests. It's common for them to provide a fake name and employee badge number and even tell you that the call is being recorded before using empathy to close the deal. 

4. 骗子可能会跳过询问你的个人信息. 

罪犯不需要你的沙巴买球账号, 信用卡, or social security number to successfully pull off a scam. Since asking for personal information is one of the most common red flags, thieves have figured out another way to get victims to open their wallets. 看起来他们是为你着想的, they will specifically caution you from providing such details to anyone over the phone. Instead, they will claim it's much safer to wire money or buy gift cards and send it to them. These options are only safer for the scammer since both are difficult to trace.

Credit Union of Colorado members have experienced scammers requesting their debit card and personal identification number (PIN) over social media, 换几百美元.  当会员的借记卡提供给骗子, 他们用它来进行欺诈性的ATM存款, 现金回收, 还有欺诈性借记卡购买. Many of these cases have resulted in significant member losses.

Did you know that Credit Union of Colorado debit and 信用卡s are automatically enrolled in a free fraud monitoring service? We employ a 24/7 monitoring system designed to score and analyze your card usage so we can alert you of suspicious card activity. 我们可以共同努力，阻止欺诈行为的发生. 

新沙巴体育网 more about what we do to keep our member's account safe by visiting our 欺诈监控页面. If you think you’ve been the victim of fraud on your Credit Union of Colorado account, 请不要犹豫，拨打800-444-4816.