Avoiding Telephone Scams: Protecting Yourself from Fraudulent Calls

The other day, my wife received a phone call that raised several red flags. Before I dive into that, let me start by saying that I’ve been an expert in internet security since 1992, and I can tell you that not all hacks happen online. In fact, many begin with a simple phone call, just like the one my wife received last week.

The caller ID displayed “Healthcare,” and the man on the line claimed he needed to review some heart monitor test results, asking to verify her date of birth. Fortunately, my wife was quick to catch on and, instead of giving away any information, she politely told the man to take a hike (though if it were me, my response might have been a bit more colorful). The hacker didn’t get what he wanted.

But there’s more to this scam than meets the eye. Scammers don’t just ask for personal details outright. Many of these fraudsters record their phone calls, and they often begin by asking, “Is this Mr. or Mrs. [Your Last Name]?” The danger lies in your response. When you say “yes,” they can capture that recording and use it in an identity theft scam, often targeting your phone account or other services.

How to Handle a Suspicious Call

1. Never Say “Yes”: If someone calls you and asks for personal verification—especially over the phone—don’t answer “yes.” Scammers can twist that into their fraudulent schemes.
2. Don’t Give Out Personal Information: If the person on the other end is asking for your date of birth, social security number, or any other personal details, pause. Legitimate companies will not cold call and ask for this type of information. If you’re unsure, ask for their direct extension and company name.
3. Verify by Calling Back: One of the safest practices is to hang up, then look up the company’s official number yourself (don’t trust the one given by the caller). Call them directly using the main line to confirm if the request was legitimate.
4. Beware of Fake Caller ID: Just because the caller ID says “Healthcare” or some other official-sounding name, don’t trust it. Spoofing technology allows scammers to fake caller IDs, making it look like they’re calling from a trusted source.
5. Request Written Communication: If something smells fishy, tell the caller to send you a letter. Legitimate companies won’t hesitate to provide documentation in writing.

Why Older Folks are Targeted

Scammers often target older individuals, assuming they have more wealth and might be more trusting or less tech-savvy. The truth is, these fraudsters will prey on anyone they think they can trick. But age doesn’t determine your ability to protect yourself. Awareness does.

Trust Your Gut

If something feels off, don’t feel pressured to continue the call. Trust your instincts. Scammers use a variety of tactics to manipulate you into giving up sensitive information. Don’t let them succeed. If it feels weird, hang up.

In today’s connected world, where a scammer’s reach can extend into your home through a simple phone call, it’s important to stay vigilant. Protect yourself and your loved ones by knowing the red flags and responding cautiously.