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It is easy to assume that you will never get scammed online. After all, you’re smart and you don’t know how to do obviously sketchy things like clicks on pop-ups. But this sort of thing happens to a lot of people, and it can make you wonder what to do if you find yourself scammed online.
according to federal trade commission (FTC), online scams have skyrocketed since the pandemic began. In 2019, people lost $134 million in total losses from online fraud. But the losses reached $117 million. first six months The FTC says this includes online shopping, romance, financial relief and income scams.
You don’t want to be a victim of online fraud – but that’s not news to you. Still, it’s hard to know what to do if you’re scammed online.
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While prevention is important, it is important to be prepared in case online fraud occurs. Here’s what you need to know.
How do people usually get scammed online?
depends on. “Although there are many types of online scams, most involve some form of social engineering – tricking people into doing something they wouldn’t do if they understood what was really happening,” joseph steinberg, a cybersecurity and emerging technology consultant, tells Yahoo Life.
Computer security expert Graham Cluley, co-host, says a common way people get scammed online is by “phishing” their account credentials, often by visiting a bogus login page. smashing security podcast, tells Yahoo Life.
So, what should you do if you come across an online fraud?
A lot of this depends on what type of account is breached and what type of scam is involved, Cluley says. Here’s an analysis of the next steps in different situations:
You paid with a credit or debit card to a scammer. Contact your credit card company or bank that issued your card and let them know that fraud was alleged. They should be able to reverse the transaction and get your money back.
You gave your social security number to the scammer. go for IdentityTheft.gov for the next steps. You should also monitor your credit.
You have given scammers access to your computer or phone. Run a scan with your computer’s security software and remove anything that is flagged. For your phone, contact your service provider to regain control of your phone. You will also want to check your bank account and/or credit card for fraud charges.
It’s also a good idea to contact federal trade commission To report scammers and hopefully help prevent other people from falling prey to scams.
Lastly, you’ll want to make sure you’re safe going forward. “At a minimum, change your password and make sure you’re not using the same password anywhere else on the Internet,” Cluley says.