Scammers try to steal your money or personal information. They are modern day fraudsters.
Scams are often done by phone, SMS or email and they look and sound very real.
Scammers contact thousands of email addresses and phone numbers every day, so there's a good chance you'll be contacted by a scammer at some time, if not already. When scammers first contact you, they won’t have any information about you and probably won’t even know if your email or phone number is working. They are just hoping that one of the thousands of people they are trying to scam will respond … and unfortunately, many people do.
How to know it is a scam
Scammers try to collect personal information (identity theft). They do this by asking you for your bank details so they can transfer ‘a prize’ (for something you didn’t enter) into your account, or they threaten that they will lock your account if you don’t give them your personal information to ‘verify’ your identify. They may ask if you could hold some money for them in your bank account (fake mule recruiting), or offer goods or services that may never be delivered (credit card and money transfer scams).
Some scammers have very professional emails, websites or call centre staff to convince you that the offer is genuine. They often look and sound like the real thing … a real bank … a real online shop … or a real internet service provider. Sometimes they pretend to be an organisation like Centrelink or Australia Post or another service many of us use.
Here are some common scams :
Scammers try to convince you that you have won or inherited money and you need to provide your banking details or other information to access or receive the money. This is false – they are trying to gain access your money to steal it.
If you didn’t enter a competition THERE IS NO REAL PRIZE. Never give anyone your banking details over the phone, by email or SMS unless you made the initial contact. Delete these emails and SMSs, and hang up on any calls that say you have won a prize or opportunity.
In some cases, scammers do provide actual prizes such as a trip and luggage which contains hidden drugs for unsuspecting recipients to carry.
Scammers try to convince you that you are one of the lucky ones with the opportunity to invest in a new idea or product or receive an inheritance. None of this is real. They want your bank details to steal your money.
THERE IS NO INHERITANCE OR INVESTMENT OPPORTUNITY. Do not respond.
Scammers set up web pages, emails or calls to make them look and sound like real charities, and then they ask for donations or bank details. They want to steal your money.
Do not respond to requests for money through email, phone calls or SMS. If you want to give to a charity look up their contact details, do some research, make sure they are the real thing and that the money will get to the charity. To be extra safe, do a direct payment using their banking details (don’t give them yours), give cash or a money order and don’t provide your credit card details.
Dating and romance
Scammers establish an online romantic relationship with people over weeks, months and even years. They claim to be in love (often quite early in the relationship) and show great interest in the person … calling, emailing and messaging often. They shower the person with praise and attention and sometimes gifts.
Dating scammers often claim to live overseas or be Australian but travelling. There are many excuses for not being able to meet in person. They may play on emotions to get you to provide money, for example they may claim to need an operation or to want to visit you but they do not have enough money for an airfare. They may also ask you to buy goods or services for them or to send goods to another address. This is nearly always criminal and could be very dangerous. These relationships seem very real but the scammers are having the same fake relationship with many people at the one time. They are using each person to steal their money, or for other criminal offences such as money laundering.
Be wary of any potential romantic partner who approaches you online. If you want to send them photos, it is best not to send photos you wouldn’t want others to see. Some scammers blackmail people using such intimate photos and videos. Do an image search of the person (use image search services such as Google or a reverse image search such as TinEye as often a fake profile picture is used). If you agree to meet in person tell someone you know where you are meeting, and take someone with you.
We strongly recommends that people never travel overseas to meet a romantic interest in person for the first time. Be very wary if the person requests money for travel, an operation, or asks you to pass on goods or money. For example, there have been a number of recent cases where people travelling to meet romantic interests or potential business partners have been used as drug mules. Never send money or give them credit card details, online account details or copies of important documents.
What to do if you have been scammed
Don’t be embarrassed if you have been scammed. Hundreds of thousands of very intelligent Indians are scammed every year. It shows that we are still a trusting society.
You should report scams to Cyber Security or near police satation.
If you have responded to a scam, then you should STOP all communication with them and ignore any new messages or attempts to contact you. You can also block their number or email address on your device.
If you have given them your banking details call your bank immediately (on a number you know to be real) or go into a branch. If you have given the scammers your personal information, change the passwords for all your accounts.
If a scammer threatens you, take this evidence to your local police.
If the scammer used a romantic or dating scam get support for yourself – from a friend, family member or counsellor.
If you have been contacted by a scammer but have not responded you don’t need to worry. Delete or ignore. If you get more scams ignore those as well.
If the scam involves theft of your identity, contact Police as they can help you deal with the consequences of identity theft.
What to do with a scamming email or message
Do not to respond at all if you think it is a scam. Do not even reply to say you are not interested, because this tells them your email or social media account is active and they will send more scams.
Block the sender: this will stop more emails or messages coming to you from the scammer. Many scammers create multiple fake accounts, so you may get the same, or other scams, from different addresses. Block these too.
If you are not sure if the email or message is genuine, use Google to search the content in the email to see if others have been sent the same email and if it has been identified as a scam. Do a Google image search on a photo to see if it has been stolen from someone else’s site and is being used as part of the scam.
Look in the text for spelling mistakes and poor English as this is often a sign of a scam.
If a message or email comes from a friend and it seems unusual or out of character for them, ring or visit your friend to see if they really sent it, before you consider replying.
Delete the messages or emails as they come in. If you have opened the message, close it and it delete it. Sometimes the message or email will have an attachment or link. In most cases these attachments or links contain a hidden virus. Do not open suspect attachments or click on suspect links.
If you are buying online, try to use secure services such as PayPal to reduce financial risks. Scammers may prefer that you send money orders, or use international transfers or even your banking details.
If someone asks for your personal details, or needs to verify your banking or financial details, it may be a scam. Even if an email has an official logo and contact details but you are still suspicious, ring the organisation to verify that they sent you the email.
What to do with a scamming phone call
Scammers will sometimes ring you at home. Often the scammer will ask you to turn on your computer to fix a problem or to install a free upgrade. In reality this is not an upgrade, the scammers want to install a virus which will give them your passwords and personal details. Hang up without apology.
While it may be annoying to have people keep ringing you back, hang up every time.
If you are unsure or suspicious, hang up and ring the organisation direct. Look their number up in the phone directory or on their website and ring them to ensure they are who they say they are.