Scam Mmata na Nchedo Njirimara · Ihe 1 nke 3
Spot Today's Scams: Impostors, Texts, and Payment Apps
The warning signs every scam shares, real example messages, and what to do in the first hour if you have been scammed.
Mezue na ngwaọrụ a.
A sụgharịbeghị akụkụ nke nkuzi a n'asụsụ gị, n'ihi ya, a na-egosipụta ha n'asụsụ Bekee.
Na nkuzi a
Ihe ị ga-amụta
- Recognize the four signs most scams share: a name you trust, a problem or prize, pressure, and a payment that is hard to reverse.
- Identify impostor scams that pretend to be a toll agency, a delivery company, your bank, or a family member.
- Explain why money sent by gift card, crypto, wire, or payment app is hard to get back.
- Use the stop, hang up, and call back routine, and act fast if you already paid.
Kedu ka nke a si jikọọ na klaasị anyị: Our class covers the warning signs of fraud and why to guard your personal information. This lesson shows the scams people in the DC area see today, with sample messages, and gives you a step-by-step plan for the first hour after a scam.
Okwu ndị ị ga-amata
- Onye aghụghọ aghụghọ (Impostor scam)
- Ojoro ebe mmadụ na-eme ka hà bụ onye ma ọ bụ otu ị tụkwasịrị obi, dị ka ụlọ akụ, ụlọ ọrụ gọọmentị, ụlọ ọrụ, ma ọ bụ onye ikwu.
- Phishing
- Ozi adịgboroja, email, ma ọ bụ weebụsaịtị nke na-anwa ịghọgbu gị n'inye okwuntughe, nọmba kaadị, ma ọ bụ ozi nkeonwe ndị ọzọ. Mgbe ọ na-abịa site na ozi ederede, a na-akpọkarị ya smishing.
- Ngwa ịkwụ ụgwọ (Payment app)
- Ngwa ma ọ bụ ọrụ ụlọ akụ iji zipu ego na ndị ọzọ, dị ka Zelle, Cash App, Venmo, ma ọ bụ PayPal.
- Nyefe na-enweghị ikike (Unauthorized transfer)
- Ego a na-ewere na akaụntụ gị site n'aka onye ọzọ na-enweghị ikike gị, dịka ọmụmaatụ site n'aka onye ohi batara na akaụntụ gị.
- Koodu otu oge (One-time code)
- Nọmba dị mkpirikpi nke ụlọ ọrụ na-eziga na ekwentị gị ma ọ bụ email iji chọpụta na ọ bụ gị n'ezie. Agụrụla onye na-akpọ gị ya.
- Overpayment ojoro (Overpayment scam)
- Ojoro ebe mmadụ na-ezitere gị ego adịgboroja maka ihe karịrị ihe ha ji gị ma rịọ gị ka ị zighachi ego ọzọ.
Ihe ịrịba ama anọ fọrọ nke nta ka ọ bụrụ ojoro ọ bụla na-ekerịta
Aghụghọ aghụghọ bụ ụdị aghụghọ ndị mmadụ na-akọ ọtụtụ mgbe: mmadụ na-eme ka hà bụ onye ma ọ bụ otu ị tụkwasịrị obi. Na 2025, ndị mmadụ gwara Federal Trade Commission (FTC) na ha tufuru ihe dị ka ijeri $ 16 na aghụghọ. Nke ahụ bụ ego kachasị elu na ndekọ. Ndị aghụghọ aghụghọ were $ 3.5 ijeri. N'ime nke ahụ, ndị aghụghọ ndị mere ka hà bụ azụmahịa were ihe fọrọ nke nta ka ọ bụrụ ijeri $ 1, na ụlọ akụ adịgboroja kpatara nnukwu mfu na otu ahụ.
Akụkọ na-agbanwe agbanwe, mana usoro ahụ na-anọgide na-abụ otu. Lezienụ anya maka ihe ịrịba ama anọ a:
- Aha ị tụkwasịrị obi. Ozi ahụ na-ekwu na ọ sitere n'ụlọ akụ gị, IRS, ụlọ ọrụ ụtụ isi, ụlọ ọrụ nzipu ozi, ụlọ ọrụ ike gị, ma ọ bụ onye ikwu. Aha ID na email dị mfe ịgha ụgha.
- Nsogbu ma ọ bụ ihe nrite. Ị ji ego, akaụntụ gị na-ekpochi, onye ikwu gị nọ na nsogbu, ma ọ bụ na ị meriri ihe.
- Nrụgide na nzuzo. Ị ga-eme ihe taa. Ị nwere ike ịnụ iyi egwu nke njide, ịchụpụ, ma ọ bụ akwụkwọ ikike furu efu. A gwara gị ka ị ghara ịgwa onye ọ bụla.
- Ịkwụ ụgwọ siri ike ịgbanwe. Kaadị onyinye, cryptocurrency (crypto), nnyefe waya, ngwa ịkwụ ụgwọ, ma ọ bụ ego enyere onye na-abịa n'ụlọ gị.
Ọ bụrụ na ị hụ ọbụna otu n'ime ihe ịrịba ama ndị a, jiri nwayọọ nwayọọ. Ụlọ ọrụ na ụlọ ọrụ na-eme ihe n'eziokwu na-enye gị oge iji lelee.
Ndụmọdụ
Kwụsị, daalụ ma kpọọ ya ọzọ.
- Kwụsị. Etinyela ịpị, kwụọ ụgwọ, ma ọ bụ kesaa ihe ọ bụla. Ezigbo nsogbu ka ga-adị ebe ahụ n'ime nkeji iri.
- Kwụsị ma ọ bụ mechie ozi ahụ. Azala ma kpọọ nọmba ozi ahụ na-enye gị.
- Kpọọ nọmba ị hụrụ onwe gị. Jiri nọmba dị n'azụ kaadị gị, na ụgwọ gị, na ngwa gọọmentị, ma ọ bụ na weebụsaịtị .gov nke ụlọ ọrụ ahụ.
- Gwa onye ị tụkwasịrị obi okwu. Ndị scammers chọrọ ka ị debe ihe nzuzo. Enyi, onye òtù ezinụlọ, ma ọ bụ onye nkuzi Dollar Scholars gị nwere ike inyere gị aka iche echiche banyere ya.
Ozi atọ ị nwere ike ịhụ n'izu a
1. Ederede ụtụ isi a na-akwụghị ụgwọ
E-ZPass NOTICE: Ị nwere ụgwọ a na-akwụghị ụgwọ nke $ 6.99. Kwụọ ụgwọ taa iji zere ụgwọ mbubreyo $ 50 na ijide akwụkwọ ikike ịnya ụgbọ ala gị: [njikọ]
Ederede dị ka nke a na-aga ndị mmadụ na mpaghara DC niile. DC Attorney General dọrọ aka ná ntị na DC enweghị ụlọ ọrụ ụtụ isi ya, mana ndị nwere nọmba ekwentị 202 ka na-enweta ederede adịgboroja. Njikọ ahụ na-aga na weebụsaịtị adịgboroja nke na-ezu ohi nọmba kaadị gị na ozi nkeonwe. Mmemme ụtụ isi nke Maryland na Virginia na-ekwu na ha anaghị arịọ maka ịkwụ ụgwọ site na ozi ederede. Ọ bụrụ na ị na-anya ụgbọala n'okporo ụzọ ụtụ, lelee akaụntụ gị na weebụsaịtị gọọmentị ma ọ bụ ngwa nke ụlọ ọrụ ụtụ gị. Pịnye adreesị ahụ n'onwe gị.
2. Ederede nnyefe ngwugwu
USPS: Enweghị ike ịnyefe ngwugwu gị n'ihi na adreesị ezughi oke. Melite adreesị gị n'ime awa 12: [njikọ]
US Postal Service na-ekwu na ọ naghị eziga ederede ọ gwụla ma ị rịọrọ maka mmelite nsuso na nọmba nsuso, na ederede ya enweghị njikọ. Ederede USPS nwere njikọ bụ ojoro.
3. Oku sitere na ngalaba aghụghọ nke ụlọ akụ
"Nke a bụ ndị otu aghụghọ n'ụlọ akụ gị. Anyị kwụsịrị ụgwọ $ 950 n'otu ụlọ ahịa dị na Baltimore. Akaụntụ gị adịghị nchebe. Iji chebe ego gị, anyị ga-ebufe ya na akaụntụ nchekwa ọhụrụ. Nke mbụ, gụọ m koodu anyị zigara gị. "
FTC na-ekwu na ụfọdụ n'ime aghụghọ kachasị ọnụ na-amalite site na oku dị ka nke a. Onye na-akpọ oku nwere ike ịma aha gị na ọnụọgụ ikpeazụ nke kaadị gị. FTC na-adọ aka ná ntị na ọ bụ naanị scammer ga-agwa gị ka ị kwaga ego gị iji chebe ya. Onye ọ bụla nke na-arịọ maka koodu ezigara na ekwentị gị na-anwa ịbanye na akaụntụ gị. Kpọtụrụ ma kpọọ nọmba dị n'azụ kaadị gị.
Maka ederede, azala ya. Jiri nhọrọ "akụkọ junk" nke ekwentị gị ma ọ bụ zipu ederede na 7726 (nọmba ahụ na-asụpụta SPAM), wee hichapụ ya.
Ihe Mere O Ji Sie Ike Ịkwụ Ụgwọ Maka Ịkwụ Ụgwọ
Otu esi akwụ ụgwọ, na onye zitere ego ahụ, kpebie ego ole ị ga-enweta.
| Kedu ihe mere | Ihe i nwere ike ime |
|---|---|
| Onye ohi batara n'ime akaụntụ akụ gị ma ọ bụ ngwa ịkwụ ụgwọ wee ziga ego na-enweghị ikike gị. | Nke a bụ nnyefe na-akwadoghị, ọbụlagodi ma ọ bụrụ na onye scammer aghọgbuola gị ịkekọrịta paswọọdụ ma ọ bụ koodu gị. Iwu gọọmentị etiti na-enye gị ikike siri ike ma ọ bụrụ na ị gwa ụlọ akụ gị ma ọ bụ ngwa ngwa ngwa gị. |
| Ị zigara ego na ngwa ịkwụ ụgwọ n'onwe gị, n'ihi na mmadụ ghaara gị ụgha. | Ọtụtụ mgbe, ụlọ akụ ma ọ bụ ngwa anaghị enyeghachi ya. Kọọ ya ozugbo ma jụọ ya. |
| Ị na-akwụ ụgwọ site na kaadị onyinye. | Kpọọ ụlọ ọrụ kaadị onyinye ozugbo. Debe kaadị ahụ na nnata ahụ. Ụfọdụ ụlọ ọrụ nwere ike ịkwụ ụgwọ ego gị. |
| Dịka ọmụmaatụ, ị na-eziga waya, dịka ọmụmaatụ site na Western Union ma ọ bụ MoneyGram. | Kpọọ ụlọ ọrụ ahụ ozugbo ma gwa ya ka ọ kwụsị ma weghachite nnyefe ahụ. |
| Ị kwụrụ ụgwọ na crypto ma ọ bụ na ATM crypto. | Nke a bụ ihe kacha sie ike iji weghachite. Kọọrọ ya ụlọ ọrụ ị jiri na FTC. |
Ọ bụ ya mere scammers ji arịọ maka ịkwụ ụgwọ ndị a. Ọ dịghị ezigbo ụlọ ọrụ ma ọ bụ ụlọ ọrụ gọọmentị ga-agwa gị ka ị zụta kaadị onyinye iji kwụọ ha ụgwọ.
Kaadị akwụmụgwọ na-enye gị nchebe karịa. N'okpuru iwu gọọmentị etiti, ihe kachasị ị nwere ike ịkwụ ụgwọ maka ebubo na kaadị akwụmụgwọ furu efu ma ọ bụ zuru ohi bụ $ 50.
Olu clones na oku mberede ezinụlọ
Ndị scammers nwere ike idetuo olu mmadụ site na ndekọ dị mkpirikpi nke etinyere na ntanetị, dị ka vidiyo. Mgbe ahụ, ha na-akpọ nne na nna ma ọ bụ nne na nna ochie. Olu ahụ na-eti mkpu ma na-asị, "Anọ m n'ihe mberede, anọ m n'ụlọ mkpọrọ. Biko ziga ego. Agwala mama m. "
FBI na-atụ aro ka ezinụlọ kwenyere na okwu nzuzo ma ọ bụ ahịrịokwu. Ezigbo onye ikwu nọ na nsogbu ga-amata ya. Olu e depụtaghachiri agaghị eme.
- Họrọ okwu koodu na ezinụlọ gị taa. Etinyela ya na ntanetị.
- Ọ bụrụ na ị nweta oku mberede, jụọ maka okwu koodu, ma ọ bụ jụọ ajụjụ naanị ezigbo onye nwere ike ịza.
- Kpọtụrụ onye ikwu gị na nọmba ị nwere.
- Kpọọ onye òtù ezinụlọ ọzọ, ọbụlagodi ma ọ bụrụ na onye na-akpọ oku kwuru na ị ga-edebe ya na nzuzo.
Ihe Nlereanya
Olee otú Wondershare SafeEraser na-akpaghị aka
Maria bi na Hyattsville. Ọ na-ere tebụl eji eme ihe n'ịntanetị maka $ 200. Onye zụrụ ya zitere ya ego maka $ 1,200 ma kwuo na o mehiere. Ọ na-arịọ Maria ka ọ debe $ 200 ma ziga $ 1,000 ọzọ na ngwa ịkwụ ụgwọ. Ụbọchị abụọ ka e mesịrị, ụlọ akụ ya na-egosi ego ahụ dị ka ọ dị, yabụ Maria na-eziga ya.
Site na iwu, ụlọ akụ ga-eme ka ego edebere ngwa ngwa. Ma ọ nwere ike were izu iji chọpụta na ego bụ adịgboroja. Mgbe ego ahụ na-agbagharị, ụlọ akụ ahụ na-eweghachi ego zuru ezu.
| Nzọụkwụ | Ego |
|---|---|
| Meri Mere Dil Ka Gam | + $ 1,200 |
| Pịa bọtịnụ ahụ "Weghachite" ego ahụ. | − $ 1,000 |
| Ụlọ akụ ahụ chọpụtara na ego ahụ adịgboroja ma weghachite ego ahụ | −$ 1,200 |
| O nwere ike ịbụ na ọ na-efunahụ Meri (ma eleghị anya) | − $ 1,000 |
$ 1,200 − $ 1,000 − $ 1,200 = - $ 1,000
Otu aghụghọ ahụ na-egosi na ọrụ adịgboroja, onyinye "onye na-azụ ahịa ihe omimi", na akwụkwọ ozi nrite. Ọ bụrụ na mmadụ ezitere gị ihe karịrị ụgwọ ha ji ma rịọ maka ego, ọ bụ ojoro.
Already paid? Your first-hour plan
Scams can happen to anyone. Act fast, and do not be ashamed to ask for help. The sooner you act, the better your chances.
- Stop all contact with the scammer. Do not send more money, even if they promise to return the first payment.
- Call your bank, card company, or payment app using the number on your card or in the official app. Say, "This is fraud." Ask them to stop or reverse the payment and to protect your account.
- For a gift card or a wire, call the gift card company or the wire company right away. Keep the card, the receipt, and the transfer number.
- If you shared a password or a code, change your passwords and turn on two-step verification. With it, a site asks for a code, usually sent to your phone, after your password, so a thief who has only your password cannot get in.
- Report the scam at ReportFraud.ftc.gov (in Spanish at ReporteFraude.ftc.gov). If it happened online, you can also report it to the FBI at ic3.gov.
- If you gave your Social Security number or ITIN, follow the steps in our lesson on protecting your identity.
"Hello, my name is [your name]. I am calling to report fraud on my account ending in [last 4 digits]. Today at [time], I sent $[amount] to [name or phone number the scammer used] because of a scam. Please stop or reverse this payment, block more payments to this person, and open a fraud claim. What is my claim number?"
Write down the date, the time, the name of the person you spoke to, and the claim number.
Lee anya
Lezienụ anya maka nkwụsịtụ nke abụọ.
Mgbe ị furu efu, ndị scammers nwere ike ịkpọtụrụ gị ọzọ. Ha na-ekwu na ha nwere ike iweghachite ego gị maka ego, ma ọ bụ na ha na-eme ka à ga-asị na ha sitere na FTC ma ọ bụ ụlọ ọrụ iwu. FTC na-ekwu na ụlọ ọrụ gọọmentị na òtù na-akwụwa aka ọtọ agaghị arịọ maka ego iji nyere gị aka inweta nkwụghachi.
Ndị scammers na-agbasokwa akụkọ ahụ. Mgbe oké ifufe ma ọ bụ idei mmiri, ha na-eme ka à ga-asị na ha sitere na FEMA ma ọ bụ na-enye mmezi ngwa ngwa ma ọ bụrụ na ị kwụọ ụgwọ maka ihe niile n'ihu. FEMA anaghị akwụ ụgwọ ngwa ngwa. Companieslọ ọrụ ndị na-ekwe nkwa idozi akwụmụgwọ gị bụ ọnyà ọzọ: ọ bụ iwu na-akwadoghị maka ụlọ ọrụ na-arụzi kredit ịkwụ gị ụgwọ tupu ya enyere gị aka.
Maka nọmba ekwentị mpaghara ebe ị nwere ike ịkọ ojoro, lee Scams That Target Immigrants, Renters, and Job Seekers.
Key takeaways
- Only a scammer will tell you to move your money to keep it safe, or to pay a bill with a gift card.
- Do not use the link or phone number in a surprise message. Find the real contact information yourself.
- If a thief sends money from your account, you have strong rights. If you send it yourself after a lie, it is much harder to get back.
- Agree on a family code word to check emergency calls, even when the voice sounds real.
- If you paid a scammer, call your bank or the payment company right away, then report it at ReportFraud.ftc.gov.
Lelee nghọta gị
Zaa ajụjụ ndị ahụ, wee họrọ Lelee azịza m. Nweta 4 nke ikike 5 iji mezue nkuzi a. Nke a bụ omume: enweghị oge ọ bụla, anyị anaghị edebe azịza gị.
Gaa n'ihu
Ebe nrụọrụ weebụ ndị a tụkwasịrị obi ebe ị nwere ike ịmụtakwu ihe. Njikọ ndị a na-aga na weebụsaịtị ndị ọzọ nke Dollar Scholars anaghị agba ọsọ.
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Otu esi egbochi Scam [mèzi _ mèzi] Site
Ihe ịrịba ama anọ nke scam, na ụzọ dị mfe iji chebe onwe gị.
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Cómo evitar una estafa [mèzi _ mèzi] Site
Ntuziaka FTC na Spanish: ihe ịrịba ama anọ nke ojoro na otu esi echebe onwe gị.
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Otu esi achọpụta, zere, ma kọọ aghụghọ adịgboroja [mèzi _ mèzi] Site
Olee otú overpayment na adịgboroja ego scams na-arụ ọrụ, na onye na-akpọ ma ọ bụrụ na ị na-ama zitere ego.
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ReportFraud.ftc.gov [mèzi _ mèzi] Site
Kọọrọ FTC ojoro. A na-ewere nsụgharị Spanish ReporteFraude.ftc.gov.
Ihe mmụta a bụ agụmakwụkwọ ego izugbe, ọ bụghị iwu, ụtụ isi, ma ọ bụ ndụmọdụ ego. Iwu na ego na-agbanwe, yabụ lelee nọmba dị mkpa na isi mmalite gọọmentị.