Don't Fall for Phishing Scams: How to Spot and Avoid Online Fraud

What is Phishing?

Phishing scams have become all too common these days and, with the growth of AI they are becoming better than ever. Phishing is when someone, usually a “bot” sends a mass email or text misleading a user into providing personal information. These attacks often target passwords, bank details, or sensitive data by impersonating legitimate organizations. Understanding how they work can help you avoid becoming a victim.

The "URGENT" Email Scam

Cybercriminals often create a false sense of urgency to manipulate recipients into taking immediate action. They may send an email pretending to be from your bank, PayPal, or even your employer, warning you about a locked account or suspicious activity. These emails frequently contain links prompting you to verify your information. Additionally, phishing emails often use generic greetings like "Dear Customer" instead of addressing you by name, which is a sign the sender may not actually know who you are.

How to Handle Suspicious Emails

One common red flag is a slightly altered sender address, such as "[email protected]" instead of "paypal.com." Do not click on any links within the email. Another red flag is a shortened or suspicious URL name. These links usually have extra characters or words in the link. These are easy ways to spot if an email is a phishing attack. Sometimes it isn’t that easy to spot one out though. In this case it is always best to go directly to the organization’s website in your web browser and if you’re still unsure, call or message the organization and ask for confirmation.

Smishing: Scam Text Messages

“Smishing” (SMS phishing) is a growing form of cyber fraud where scammers send deceptive text messages claiming to be from banks, delivery services, or government agencies. These messages often warn about unauthorized transactions, offer fake prizes, or prompt you to click a suspicious link.

How to Stay Safe from Smishing

Avoid clicking on links or responding, even if the message instructs you to reply with "STOP" to unsubscribe. This can inform the scammer that your number is active and increase the frequency of scam texts. Instead, verify the message by contacting the organization directly. Block the sender and report the scam to your mobile service provider to prevent future attempts.

The "Too Good to Be True" Scam

Emails promising unexpected rewards, such as a large inheritance from an unknown relative or winning a lottery you never entered, are almost always fraudulent. These scams often create a sense of urgency, pressuring victims to act quickly before they have time to verify the details. These scams lure victims in with enticing offers and then request personal information or payments to claim the supposed prize. Poor grammar, unusual phrasing, and urgent demands for action are common warning signs.

How to Deal with Fake Prize Emails

Ignore and delete these messages. Never share personal details or send money to unverified sources. If in doubt, search online for similar scam reports using the email address or message content.

Stay Vigilant and Protect Yourself

Phishing scams are becoming increasingly sophisticated, but by staying cautious and verifying information before taking action, you can protect yourself. Trust your instincts, if something seems suspicious, it likely is. It is always a good idea to report the email or text message if your provider offers it.

Stay alert and protect yourself! - WRAVEN

P.S. No bank or company will ever make you buy gift cards!