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Home›Saving and Spending›19 Phone and Email Scams That Can Negatively Affect Your Savings

19 Phone and Email Scams That Can Negatively Affect Your Savings

By Our Editorial Team  |  Published February 3, 2020

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Photo by seventyfourimages From Envato Elements

You’re asked to share access to your computer

A lot of people who are not computer savvy can fall for this scam, and it’s something that has become quite prevalent. It typically starts with a phone call, and the shady individuals will say they’re representatives from companies like Microsoft or Apple. They’ll lure you by ‘informing’ you of malicious spyware on your computer, or anything else that might sound scary. Bottom line, they’ll make their victims think that their devices are compromised and that they’re there to help set things straight.
You should know that these companies won’t seek you out, so even if something is wrong with your computer, don’t trust them. They’ll offer to fix your problem right then and there without payment, which is why so many people trust them.
If you’re asked to download and install any programs on your computer, no matter how legit they look, you should refuse. In all likelihood they’ll just install the malicious software they’re claiming to protect you from and proceed to steal your data, files and cause you a great amount of harm. Some will even blackmail you, saying that you won’t be able to gain back access to your own files and folders unless you pay up.

A person pauses while working on a laptop in a sunlit room.
A man looks thoughtfully at his laptop in a sunlit room, cautious of job offers requiring an upfront fee.

You’re told to pay a fee before being offered a new job

If legitimate businesses can post job advertisements online, so can scammers. The difference lies in the fact that the latter will have you pay for certification, training materials and other expenses before you’ve even got the job. The FTC is well aware of this trick and they also would like to remind job hunters not to give out credit card information to potential employers.
These scams can be really elaborate too, just to make you drop your defences. It’s very likely that the people calling you will make their offer sound like the perfect fit for you. If it’s just too good to be true and you’re expected to open your wallet before even signing a contract, run for the hills.

An older woman reviews financial charts on a tablet.
A woman sits by a window reviewing financial charts on her tablet while considering a credit repair service offer.

You’re offered credit repair

Just because your credit score isn’t great doesn’t mean you should trust the next person who offers to help you out. Fraudsters will not only ask you to pay an upfront fee, but if you give them sensitive information they’ll make your situation ten times worse. If you get a phone call or email like this just ignore it.
Unsure of what to do? Check out this article outlining 8 things you can do that will save your credit score! 

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7 responses to “19 Phone and Email Scams That Can Negatively Affect Your Savings”

  1. Martin McCoy says:
    May 14, 2020 at 3:29 pm

    About 2 years ago, I had someone call me from “Dell computer” to tell me that they randomly monitored some of their computers and, while checking on my computer, they found that some scammer had accessed my computer and had installed some spyware. I wasn’t sure if they were on the “up and up” so I asked some questions. I asked him what model computer I owned and he told me correctly. I asked him the service tag number and he got that right too. I then told him to tell me what I needed to do and he said that if I would just give him permission, he would take over my machine and check it and remove the spyware for me. I was duly suspicious, but let him go. After a few seconds I saw my mouse pointer start moving on screen. Then, it dawned on me that there was no way that Dell could monitor every computer their company makes, it would run into many millions. I then reached over to my battery backup that I use and pushed the power button off and told him that I would contact Dell for myself with the REAL 1-800 number. Of course, he argued and I just hung up on him. I then called the Dell Customer Service line and told them what had happened. They told me that there was no way they could monitor any computer of theirs and I had done the right thing. Since then, I have gotten several other scam calls with the same line. If I don’t have much to do, I will play along with their scam just to have some fun. If they say they were monitoring my “Dell computer”, I would say, “I’m sorry, but I don’t have a Dell (I really do), I have an HP.” That will befuddle him some. He would go on and on about “your Dell, not HP” and I’ll insist I don’t have a Dell just smiling from ear to ear. After a few minutes I would say, “You obviously have the wrong number” and hang up. I did this one time and just a few minutes later, a person with the same foreign accent (they always have a foreign accent) and said he was from HP and had been monitoring my HP computer! It was the same person, to be sure. I then turned it around and told him that I didn’t own an HP, but a Dell. He was very frustrated and cursed at me and hung up!!

    Reply
    • Jesse Almanza Garcia says:
      February 15, 2023 at 2:24 pm

      That is so true, concerning foreign accents. Just about every call regarding one service or another comes with some one with hard to understand accents. They also use other peoples numbers and if you call that number back it is usually a private individual who has no idea what you are talking about. They use other peoples phone numbers.

      Reply
  2. expressivejoy says:
    June 7, 2020 at 6:12 am

    This is a great tip particularly to those fresh to the blogosphere.

    Short but very accurate info… Many thanks for sharing this one.
    A must read post!

    Reply
    • Marjorie Evans says:
      February 15, 2023 at 3:59 pm

      I have been getting e mails saying I have a package that could not be delivered, first it was from FedEx. I did have a package coming but not one that would have to be signed for so wondered why they sent it, but I opened it and it gave a tracking number that i clicked on it said to press CONFIRM to open to see what the package was. Right away I could tell it was a scam and closed it out. We looked up fedex and they said they had no package for me and that all there tracking numbers were 12 numbers long and the one i pushed was only 10. Next day I get the same email message but this one was from USPS thinking maybe the FedEx had just dropped it off at the post office I opened it and the same thing so closed it too. The third day I get the same email but this time from UPS, I deleted that one too then on fourth day get same message but did not have a sended name only a symbol, so delegated it too.
      Now every day and some times more than once a day I get emails saying I have won coffee pot, drill, electric mixer or some prize. The first one was from Wall mart and we had just bought groceries there so I opened it and they said I could get one of these prices but only showed cook wear set. You had to pay the shipping coast then if you won something they would send it. Another scam I am sure.

      Reply
  3. anne marie Cicciu says:
    February 15, 2023 at 12:52 pm

    I was contacted and told I can get up to 150000 dollars for a grant from the hhs govt. Dept. Then they tell you , you can get cash or check sent directly to you via fed rx. Once you agree on computer, they ask you to pay fed 1500 dollars upon delivery, either cash, pay pal or credit card photo to them. They also tell you not to share this info. I was Soooo suspicious, I told my accountant that warned me against it, as a scam. Thank God

    Reply
  4. Nolan says:
    February 15, 2023 at 11:00 pm

    ha ha reading your comments I found this issue going on with FaceB00k. Just to play the game i contacted 148 women of all ages just to say hello and made it understood that I didn’t want anything and that I was retired and unmarried and was just looking for someone to talk too………well They wrote a couple of times telling me about themselves and just about all of them went to universities in different states lol yah right. Anyway within a couple of days I get this message on Facebook that they need money or gift cards for a certain amount sent to them for needs like their Aunt needs a prescription or their internet is going to be shut off or kicked out of their apartment, One told me that she needed a new telephone and another said she needed to buy pads because she started her period and didn’t have any money. Now all these girls had pictures of themselves so they said and were total foxes but I don’t think it was them lol. It could have been men writing for all I knew. The other scam was a very close friend was hacked on Facebook and sending me a message about getting free money that she did it and it worked out great. All I had to do was e-mail this certain person. Because I got this E-mail I almost believed this lol.

    Reply
  5. Robert says:
    February 19, 2023 at 8:08 pm

    Scammers r now calling cable customers offering to lower ur bill by $100. They say they r losing millions of customers to streaming so this is an attempt to keep their customer base.
    They seem to have the last 4 numbers of the credit card that is actually on file for payment with the company which makes the solicitation of the rest of the card numbers almost in order. NOT GOOD.

    Reply

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