Last week I was contacted by a friend who received a very authentic looking email (often these are from Amazon or Paypal) alerting them to a purchase they had made. In the email, it said: "If you haven't made this purchase, please call us at ............" Well, of course, they hadn't made the purchase and it frightened them, so they called the number, then later asked me what to do. My tip for today is: NEVER EVER call the number in an email or click on the link in a questionable email.
You may have heard of phishing, but what is vishing?? Vishing is a slight variation of phishing that scammers are using to get you to give up your personal information and access to bank accounts. Instead of enticing you to click on a link in an email, you are asked to call a number. Another method is a phone call alerting you to a problem with your account. The scammers/fraudsters then ask you for your personal information to help solve the "problem."So, what should you do?
1) Access the account in question - Amazon, Paypal, etc. - with your browser. Log into your account to view your recent activity. This will indeed reflect if there are any questionable purchases on your account. Usually, you will not see the transaction mentioned in the email or over the phone.
2) Delete the email in question after checking your account.
3) IF you happen to give private/financial information after making or receiving a questionable phone call, change your password on your bank account and credit card accounts, monitor those accounts for activity and alert your bank or credit card company.
4) If you believe information was given as a result of a vishing email or phone call, you should contact The Federal Trade Commision online or at (888) 382-1222
Remember, scammers often rely on creating a sense of urgency for you to respond. Do not respond. There is always plenty of time for you to check it out on your own, without their help!