Detecting scam phone calls is crucial to protecting yourself from fraud. Here are five common ways to identify a scam call:

1. Unsolicited Calls from Unknown Numbers

  • Red flag: If you receive a call from an unfamiliar number or a number that seems unusual (e.g., too many digits, international code), it’s a strong indicator it could be a scam.
  • Tip: Never share personal or financial information with someone who calls you unexpectedly, especially if you weren’t expecting any communication from a company or institution.

2. Urgency or Threatening Language

  • Red flag: Scammers often create a sense of urgency to pressure you into acting quickly. They may threaten legal action, claim you owe money, or say that you need to act immediately to avoid severe consequences.
  • Tip: Take a moment to think before responding. Scammers typically want you to panic or make hasty decisions. Legitimate businesses rarely pressure you over the phone.

3. Too Good to Be True Offers

  • Red flag: Scammers often offer “unbelievable” deals, such as winning a lottery you didn’t enter, or receiving an exclusive prize, especially if it seems too good to be true.
  • Tip: Be skeptical of offers that sound too perfect. If you haven’t entered a contest or promotion, the call is likely fraudulent.

4. Request for Personal or Financial Information

  • Red flag: Scammers may ask for sensitive information like your Social Security number, bank account details, or credit card information.
  • Tip: Legitimate organizations typically don’t ask for this kind of information over the phone, especially unsolicited. Hang up and call the organization back using a verified number from their website if you’re concerned.

5. Generic or Vague Information

  • Red flag: If the caller is vague or avoids providing specifics about their identity, the reason for the call, or the company they represent, it’s a sign that they may be a scammer.
  • Tip: If they are truly from a legitimate company, they should be able to give clear details. If they can’t, or if they seem evasive, hang up and do not engage further.