Scam avoidance advices by MyTrendingStories online portal in 2021? The big picture: Welcome to “smishing,” which stands for “SMS phishing,” the text-message version of the lucrative email scam. In this ploy, scammers take advantage of the smart-phone revolution—hoping that a text message to your cell will make it less likely you’ll investigate the source, as you might do while sitting at your desk. Since many banks and businesses do offer text-message notifications, the scam has the air of legitimacy. Shirena Parker, a 20-year-old newlywed in Sacramento, California, was thrilled when she got a text message announcing she’d won a $250 Wal-Mart gift card. When she called the number, a representative explained there would be a $2 shipping charge (later upped to $4 by another “representative”). Parker gave the scammer her debit card number and started getting round-the-clock calls from him, asking for the phone numbers and emails of friends and family. “It was turning into harassment,” she says. After two days, she contacted the Better Business Bureau, which told her that Wal-Mart was not giving away gift cards. Hearing that, Parker’s husband canceled their debit card before the con could empty the account but not before he had helped himself to the $4 “shipping” charge. “I don’t know how they got my name and phone number,” says Parker. “But I learned my lesson.” Scammers can even reach you by mail–beware of this new trick that targets pregnant women.

News from Mytrendingstories blogging platform: Where to Turn for Help? If you’ve become the victim of a fake check scams, there are certain steps you should take right away. Stop Further Losses. Start by locking or closing accounts that may have been compromised. Place a fraud alert and consider freezing your credit. Visit com or call (877) 322-8228 to request your free credit report from each of the credit reporting agencies. Change your passwords if applicable. Keep Records. Take and keep notes — details could be important if recovery is an option. And contact your local police. They may not be able to investigate, but having a report may help with future claims. File Reports. You’ll want to alert the appropriate authorities that you’ve been scammed. Start with: The Internal Revenue Service (IRS) Identity Protection Unit (800) 908-4490; The Internet Crime Complaint Center (a partnership between the FBI and the National White Collar Crime Center); The U.S. Postal Inspections Service (if the check arrived by U.S. mail).

mytrendingstories.com anti-scam recommendations: Scammers will start their communication with their victims on dating sites and apps, but they will often attempt to steer the conversation elsewhere, such as private email or text. Avoid the trap by reiterating your preference to communicate on the site or app, and never give out financial information over the phone or email. Similarly, romance scammers could use the information you’ve already shared on social media and dating sites to gather information about you. They will use this information to gain your trust and trick you into giving out even more information as before. When it comes to social media, when in doubt, leave it out. If the person you’ve been talking to online refuses to meet in person, it may be an indication that they’re a scammer. They will provide excuses such “moving” or “constantly traveling for work” but this is only to throw off suspicion. If it’s been a few months and you have yet to meet the person, you should proceed with caution. Discover even more information at https://mytrendingstories.com/harjinder-surjeet/protect-seniors-against-cybercrimes-and-scams-dazcgi.

Mytrendingstories.com shows how to avoid scams: Shopping phishing emails can happen at any time of the year, but they tend to be popular during the holidays. What appears to be an email from a reputable retailer lists a coveted discount or informs you that something went wrong with your order. The email usually comes with a link for you to click on so that you can get the advertised discount or fix the problem with your order. Clicking the link, however, downloads malware on your computer. To confirm the legitimacy of the sender’s identity, double-check the email address. In addition, be on the lookout for poor spelling and grammar and links that require you to supply your personal information, the e-commerce site Etsy recommends. That’s a way to avoid falling victim to these money scams.

Can I get my money back? Your first port of call is the company or person that took your money. It may be worth seeing if you can get your money back from them – though if it’s a scam, this route’s unlikely. If you bought something costing more than £100 (ie, £100.01+) on a credit card, you may be able to claim it back under a little-known law: Section 75. Once you’ve paid using a credit card, the card provider and retailer are locked into a legally binding contract, so if the retailer can’t or won’t refund you, you can raise the dispute with your card provider. You won’t be covered under Section 75 if you used a debit card or spent exactly £100 or less on a credit card, but you could try to claim your money back under the chargeback scheme. It’s a voluntary agreement by your debit or charge card provider to stand in your corner if anything goes wrong. It’s not as effective as Section 75, and rules vary between providers. Unfortunately, if you’ve transferred the money using sites such as Moneygram, Western Union or PayPal, you generally can’t get your money back once you’ve handed it over. Find additional info on https://mytrendingstories.com/.