Unfortunately, scams are common, and scammers are becoming increasingly creative and fraudulent. Many of us know others who have fallen victim to a scam, and if it happens to you, it can feel invasive and beyond disappointing. There were several times years ago when my bank account got hacked because someone used my account to go on a shopping spree, but thankfully, my bank notified me of the fraudulent charges and put a hold on my account. These situations were disturbing and invasive, but the funds were returned to my account. Of course, this required me to obtain new cards, which was frustrating, but the issues were handled and corrected quickly. I knew of many scams people dealt with, and I have always tried to avoid falling victim to them again. In the rest of this post, I will share the experience I had recently with a nasty scam and important tips to help you not become a victim of a scam.
Recently, as I have been looking for a job, someone contacted me about a position I applied for. The first RED flag “should” have been obvious as the “interview” was done via Microsoft Teams. I chalked this up to the fact the position was remote, and they appeared to have concerns about safety for COVID. With my immune system, or rather lack of it, this stood out to me as a positive. I was offered the job within two hours, which should have been another RED flag. The next RED flag for me was the pay because it was very high, but I was going along with it as I wanted a job.
The final straw and last RED flag were a combination of issues. They wanted to, and they emailed me a check, which I was to deposit into my account via the mobile app with my bank and purchase the required equipment through their vendor. Never in my life has a company emailed me a check and requested I purchase equipment. I have worked in Human Resources and never heard of a check being emailed and did not think it was possible. After all the RED flags I experienced and ignoring my intuition from the start, I used the email address found on the company’s legitimate website to reach out to the company directly. As I suspected, they confirmed that the entire situation was a scam!
My intuition was screaming at me that nothing felt right and to run far away from the situation, which I did not listen to immediately. Considering I knew better, I did feel terrible that I allowed my naivety to lead me down the road of a corrupt and selfish scam. I was irritated. I pulled myself together, handled the situation with fierce determination, and held onto my integrity. Not only did I notify the company of the person who claimed to work for them, but I also sent his name, messages received, and details of the entire situation to the Federal Trade Commission. Considering I did fill out the W-4 document for employment, as an extra precaution, I let my bank know what happened, added a fraud alert to my information, and froze my credit information.
To help you understand the seriousness of the scamming issues causing many people problems and extra stress, I will share information that I hope helps you. During the last 12 months in the United States, more than seven in ten adults have been the target of scammers. It was stated by the FBI’s Internet Crime Complaint Center more than 2,000 complaints are received daily. Many reported crimes were due to phishing, with over 300,000 people falling victim and reported losses last year at over $52 million. Phishing is defined as using unsolicited emails, text messages, and phone calls from legitimate companies. During communication, the person may request personal, financial, or login credentials. Cybercriminals will use the information they have found in deceiving ways and may use the information to gain your trust and cause your walls to lighten. They may continue talking in friendly dialect until they get what they were after.
Scammers and cybercriminals are becoming extremely brazen and have sophisticated manners, which provides even more reasons we must keep our eyes and ears open and stay alert. The following are just a few ways to implement tips to help keep you safe from these scammers.
Applying Urgency:
Any emails that are demanding you to take urgent and immediate action. These emails may get more intense and threatening with negative consequences. Attackers commonly use this approach to rush the recipient, so they do not have time to think or do research before acting.
Poor Grammer and Spelling Errors:
Another easy way to notice phishing emails is to notice grammar and spelling mistakes. Most companies and even our personal email accounts have spell-checking tools applied. This can be done as a default with company emails to ensure outgoing emails are grammatically correct. For many other browser-based emails, the auto-correction will highlight the errors before you approve the email to send.
Email Addresses, Links, and Domain Names:
Did the email received originate from a legitimate organization? Remember to compare the sender’s address with other emails received. To ensure links sent are legitimate, hover the mouse pointer over the link, but DO NOT click on the link. If you hover the mouse pointer over the link, be sure it originates from whom it is expected, and if it does not, report the email as a phishing attack.
Email Requests:
Treat all emails with caution, especially if the email comes from an unexpected or unfamiliar sender. If an email requests login credentials, payment information, or other sensitive data, this might be a phishing attack. Smear phishers can forge login pages to look the same as the real thing. You should always avoid inputting information when pages get redirected unless you are 100% positive the email is legitimate.
Too Good To Be True:
Whether it is an email or a job, anytime something looks too good to be true, it probably is. An incentive-based email claiming if you click on an attachment or a link saying there will be a reward stay cautious and alert, and do not click on anything! If the sender of an email is unfamiliar, it is likely a phishing email.
I know it can be challenging to overcome things once you have experienced a scam. I understand how you feel. I was very aware of shopping and email scams, but I never thought there would be job scams. I still do not know if I am angrier with myself or the scammer because this should have never happened. I am disappointed that I did not listen to my intuition because I know it is typically correct. This was a painful and frustrating lesson learned, and I will continue the job search, but not take people at face value and be a lot more careful moving forward.
If you encounter a scam and fall victim to it, please do not think any less of yourself as this happens to many people. As always, I beat myself up for falling for lies from the scammer, which did not help anyone. I realize this could have happened to anyone, but I did learn a valuable lesson and wanted to share this experience to help others not fall for another scam. I hope what I have shared will help you to identify a scam and that you ignore emails, texts, or phone calls. I would love to read your comments and you are free to share any scams you have experienced. I will respond to all comments as quickly as possible.
Always, Alyssa