“Unmasking Deception: 15 Surprising Phone Scams That Could Catch You Off Guard!”
If you receive such a call or text, resist the urge to act immediately. Verify the caller’s identity by contacting your grandchild or other family members directly. Never wire money or send gift cards to someone you haven’t confirmed is your relative.
4. The Bank/Credit Card Scam
Scammers impersonate bank or credit card company representatives, claiming your account is in trouble or that your card has been compromised. They may ask for your account number, PIN, or other sensitive information to “verify” your identity.
Your bank or credit card company will never call you to ask for your PIN or full account number over the phone. If you receive a suspicious call, hang up and contact your bank or credit card company directly using the number on the back of your card or official website.
5. The Lottery/Sweepstakes Scam
You receive a call or message informing you that you’ve won a lottery or sweepstakes, even though you never entered. To claim your prize, you’re asked to pay a fee or provide personal information.
Legitimate lotteries and sweepstakes don’t require upfront payment to claim a prize. If you’re asked to pay a fee or provide personal information, it’s a scam. Don’t engage with these callers or click on any links in suspicious messages.
6. The Debt Relief Scam
Scammers promise to reduce or eliminate your debt through a “debt consolidation” or “debt settlement” program. They may charge upfront fees and fail to deliver on their promises, leaving you in a worse financial situation.
