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GUIDE TO ONLINE SAFETY: PHISHING, SCAMS AND FRAUD PREVENTION

AH
Ari Howard

Jul 7, 2021 — 15 min read

Not entirely sure what the risks are online? We've created a complete guide for
everything you need to know to about internet safety and how to avoid online
scams.



At Allconnect, we work to present quality information with editorial integrity.
While this post may contain offers from our partners, our opinions are our own.
Here’s how we make money.

Checking a bank balance, shopping on Amazon or downloading a new app are things
we all do online nearly every day. 

As the digital world drives more of these daily tasks, cyber criminals are
growing more sophisticated and finding unique ways to access your data and your
identity.

A cybercrime is any type of criminal activity that is carried out online and it
can happen to anyone. In fact, a study conducted by the University of Maryland
revealed that a cybercrime is committed every 39 seconds in the U.S. It is also
estimated that 1 in 3 Americans are affected by cyber-attacks each year. 

The rate of cyberattacks in the U.S. has only increased since the start of the
pandemic. With the bulk of  businesses switching to remote work and millions of
Americans working from home for the first time, the risk of cybercrime is as
high as it has ever been. The consulting firm Deloitte revealed that between
February and May of 2020, there were over half a million cyberattacks on video
conferencing services. 

The dramatic increase in cyberattacks since the start of the pandemic has
revealed that no one is immune and everyone should know the basics about the
different types of attacks and how to protect oneself online. While there are
dozens of types of cyberattacks, we will be focusing on phishing, scams and
frauds in this article as they make up the majority of cybercrime. 









WHAT ARE THE RISKS OF CYBERATTACKS?

Although anyone can fall victim to a cybercrime, young people in their 20s tend
to be most susceptible to cyberattacks. This is likely due to the younger
generation’s increased dependence on technology. Although those in their early
20s tend to be the most susceptible to cyberattacks, the second most vulnerable
group are the elderly and this demographic tends to lose more money from
cyberattacks than younger people. 

The consequences of a cyberattack can vary, but some of the most common
repercussions include identity theft, theft of sensitive data, theft of funds,
unauthorized transactions, loss of usernames and passwords, loss of intellectual
property and installation of malware and ransomware. A cyberattack can also have
devastating effects on the reputation of a business or individual. 






WHAT IS PHISHING?

One of the most common ways people experience cyberattacks is through phishing.
Phishing is when a hacker poses as a trustworthy source in order to gain access
to your sensitive information. This act is called phishing because it is similar
to the act of fishing where someone provides a fake lure for the fish to bite
onto. The lure is most often a familiar-looking email, website or ad and the
trap is requesting personal information, such as your bank account information,
Social Security number, password, etc. In fact, research has found that 91% of
all cyber attacks start with a phishing email. If you receive any type of email
that seems at all suspicious, therefore, do not click any links, provide any
information or respond. 




TYPES OF PHISHING 

The most successful and dangerous of all the cyberattacks is phishing and there
are several types you can fall victim to make sure you are aware of all of
them. 



EMAIL PHISHING

Email phishing is when a hacker sends an email disguised as a trustworthy
source. This will often manifest as an email from your work or a familiar
company asking you to update your personal information. You may also receive
emails saying you are in trouble or your passwords have been compromised and you
need to call a number or follow a provided link to manage the issue. 



SPEAR PHISHING 

While email phishing tends to contain generic content that could apply to anyone
(and is sent out to hundreds or thousands of people), spear phishing is a type
of email phishing specifically targeted towards one individual. Think of casting
out a large net to catch fish versus directly targeting one fish with a spear.
This type of phishing is particularly challenging to identify because the
content of the email is often very personal to you and is carefully designed to
get you to click on a link or attachment. 



WHALING/CEO FRAUD 

Whaling is a type of spear phishing that is targeted towards a high-profile
person, such as a CEO of a company. This type of phishing can be devastating for
businesses. It’s called whaling because the catch is so large. 



SMISHING

Smishing is a type of cyberattack that uses mobile devices as the attack
platform. This type of phishing happens through text messages or SMSs, which is
how it got its name. 



VISHING 

Vishing is short for voice fishing and is the use of phone calls to conduct
phishing attacks. If you have ever received a voice message saying you need to
update insurance information or are in trouble with the government, this is
likely a form of vishing and you should ignore it. 




HOW TO RECOGNIZE PHISHING 

If an email, text message or phone call seems even remotely suspicious, trust
your instincts and ignore or report it. Here are the main signs the email is not
from who they are:

 * Incorrect URL or domain name: Sometimes hackers will hyperlink a URL so that
   it looks like the link will take you to a familiar website, but really it’s
   going to take you somewhere else. Before clicking, hover your mouse over the
   URL. If it shows a different URL than the one listed, it is likely a scam and
   you should not click on it. 
 * Ask for personal information: If the content of the email you have received
   immediately asks for personal information, such as your Social Security
   number, that is a huge red flag. There is rarely a time a website or even
   your bank account will request personal information in an email out of the
   blue. 
 * Spelling, punctuation or grammar errors: If you notice grammatical mistakes
   and spelling errors in the content of the email, the email is likely not from
   a reputable source. Trustworthy websites rarely send out emails that have
   errors in them since they tend to be heavily proof-read. 
 * The use of threatening, urgent language or ultimatums: Often, cybercriminals
   will use fear as a tactic to get you to comply and give up information. If
   you receive a cryptic email that contains threatening language, do not panic,
   it is likely just a phishing email. 
 * Offers and services: If you receive an email with an offer that seems too
   good to be true, such as winning a million dollars, there is a high
   likelihood that the email is a scam.
 * Donations: As awful as it is, many cyber criminals will pretend to be a
   reputable charity in order to get you to donate money. If you receive an
   email from a charity you would be interested in donating to, go directly to
   their website, do not send money through an email link if you have not
   subscribed to their newsletter. 




WHAT TO DO IF YOU RESPONDED TO A PHISHING EMAIL 

 * Change passwords: If you clicked on a link from a phishing email and it
   directed you to a site that appeared to be your social media account, bank
   account, email service or anything else personal to you, you will need to
   immediately change your passwords for that site. If your password is the same
   for other sites, you will need to change it on those websites as well. 
 * Scan computer for viruses: If you clicked on a link, filled out personal
   information or downloaded an attachment from a phishing email, you will want
   to scan your computer for viruses with antivirus software. You can also
   contact a security expert and have them scan your computer for you. 
 * Secure VPN: If you are frequently receiving phishing emails, you may want to
   consider downloading a Virtual Private Network (VPN) to your computer. A VPN
   can help prevent cybercriminals from contacting you. 
 * File a report with the Federal Trade Commission: If you believe you are a
   victim of identity theft, you should immediately fille a report with the
   Federal Trade Commission (FTC). The FTC will help you determine how your
   identity was stolen and guide you through next steps to take through a
   personalized recovery plan. 
 * Contact the company that was spoofed: Most companies likely have no idea they
   are being impersonated. A good thing to do if you receive a phishing email
   that is pretending to be a reputable company is to let the real company know.
   They may be able to help stop the spread of future phishing emails. 
 * Follow your company’s procedures: If you fell victim to a phishing scam on a
   company computer, you will need to immediately let your employers know. They
   will help guide you through next steps to take. 









WHAT IS A SCAM? 

A scam is any type of scheme that takes money from an unsuspecting person. This
past year in 2020, consumers lost more than $3.3 billion from scams and the
average consumer lost $311 from a scam, according to the FTC. 




5 COMMON SCAMS 

 * Lottery, sweepstakes and competition scams: If you have been told you have
   won some sort of lottery or competition, there are a number of ways to
   determine if it’s a scam or not. If you did not enter a lottery or
   competition, then you likely have not won anything and you are being scammed.
   Additionally, if you are being asked to pay a processing fee or taxes upfront
   before receiving your winnings, it is likely a scam. Another scamming tactic
   to look out for is if you are asked to wire money in order to receive your
   prize from a foreign country. 
 * Dating and romance scams: Another type of scam is when cybercriminals will
   create a fake dating profile and attempt to enter into a virtual relationship
   with you so that you will give them money to help them with various fake
   scenarios, such as illness or family problems. 
 * Credit card and online account scams: Many scammers will impersonate your
   bank or online payment service (such as Venmo) and request you provide
   details about your account in order to fix some fake issue. This usually
   occurs over email but sometimes via telephone as well. If you are unsure
   whether it is a scam or not, contact your bank directly, not through the
   number that was called or via the link sent to you over email. 
 * Investment or tax scams: A common way scammers may try to steal your money is
   by impersonating a local tax authority and requesting personal information
   about your finances. They may also claim you have made a mistake on your
   taxes or haven’t paid a tax bill and are at risk of facing severe penalties
   if you do not respond to them immediately. 




COVID-19 SCAMS 

There have been many new types of scams emerge as a result of COVID-19. Make
sure you are aware of the different types of COVID-19 scams you could face in
the future. 

 * Health insurance scams: A common scam throughout the COVID-19 pandemic has
   been health insurance scams. Since obtaining health insurance is such a
   confusing process, many scammers will capitalize on this confusion and sell
   people fake health insurance. A common scam currently circulating are
   phishing emails and phone calls about “corona insurance.” 
 * Vaccination card identity theft: Many people have suffered identity theft
   after posting their vaccination cards on social media. There is a lot of
   personal information on those cards so keep this card to yourself and off the
   internet.
 * COVID-19 testing, vaccine and treatment scams: Some scammers will pretend to
   offer the COVID-19 vaccination in order to obtain your personal information. 
 * COVID-19 funeral assistance scam: If you have a family member who has passed
   away from COVID-19, be aware that some scammers will pretend to be from
   FEMA’s COVID-19 Funeral Assistance Program. They may call or email to
   register your family member in an attempt to steal your family member’s
   Social Security number and other personal information. 
 * Grandparent and military service member scams: Watch out for a scammer
   impersonating your grandchild or a military service member and asking you to
   wire them money to pay for medical services, particularly relating to
   COVID-19. 
 * IRS checks and scams: Some scammers will pretend to be the IRS or other
   government agency and ask you to send in money in order to receive a check
   from the government, such as the COVID-19 stimulus check. 




HOW TO RECOGNIZE A SCAM 

 * Unsolicited or unexpected contact: If you receive an email or phone call that
   says you need to do something urgently but the message is completely out of
   the blue, this is likely a scam. 
 * Requesting personal information or money: Any contact that is unexpected but
   asks for money or personal information is rarely legitimate. Scammers may
   make you think an action is time sensitive so you do something impulsive.
   Instead, take your time and contact the websites and phone numbers you trust
   to verify you actually owe money or need to give out personal information
   before doing so. 
 * Random competitions: If you have been told you won a competition but did not
   enter into it, it is likely a scam and you should ignore it. In general, if
   it sounds too good to be true, it probably is and you should stick with your
   gut instinct. 




WHAT TO DO IF YOU RESPONDED TO A SCAM:

 * Block them: You will want to block email or caller, but make sure to note
   down their email and phone number. 
 * Contact your bank: If you fall victim to a scam, you will want to contact
   your bank immediately and stop sending money if you’re connected to a direct
   deposit.
 * Notify credit agencies: If your credit card information has been compromised,
   you will want to notify your credit card company and request a fraud alert. 
 * Report spam: Click the Report SPAM button available in almost all web-based
   email services today. 




WHAT IS FRAUD?

Fraud is the more general term that scams fall under. While scams always relate
to money loss, fraud includes many types of deception. In 2020, there were over
2.2 million incidents of fraud reported in the U.S. and 34% of those incidents
resulted in the victim losing money. Here are some of the most common types of
frauds you could encounter.




5 TYPES OF FRAUD 

 * Advance fee or banking fraud: This is when an investor is asked to pay a fee
   upfront before a deal can go through. This fee can be framed in a variety of
   ways, but you should be aware of the possibility of never seeing that money
   again. 
 * Mail fraud: Mail fraud is any type of fraud that occurs via postage mail.
   This can look like receiving a fraudulent letter or it can be having your
   mail stolen from you. 
 * Counterfeit health and beauty products: Any product that makes major medical
   claims that are backed by fake testimonies and research or by nothing at all.
   Common beauty frauds are anti-aging or immediate weight loss products. Many
   of those products may even have dangerous ingredients in them. 
 * Internet fraud: This is a very general term for any fraud that occurs via the
   internet. This can include phishing, data breaches, viruses and more. 
 * Elder fraud: Any fraud targeted at an elderly person. Seniors are often a
   vulnerable population since they are often not as familiar with technology,
   tend to be more trusting and generally have more money to give away. 




HOW TO RECOGNIZE FRAUD

 * Unexpected changes to your accounts: If you notice any unexpected changes to
   any of your private accounts or you see unfamiliar accounts on your credit
   report, you are likely a victim of fraud. 
 * Bills or statements unexpectedly stop arriving by U.S. mail: If you are no
   longer receiving important bills or statements, contact the company
   immediately to find out why.
 * Receiving credit cards without applying for them: Contact your credit card
   company if you receive a credit card you did not apply for. 
 * Notifications about address, password or information changes that you did not
   make: You will likely need to change your passwords and contact the company
   where this information was changed from.
 * Shady sellers or buyers: A common type of internet fraud is from online
   shopping so if a website seems suspicious, it is best not to buy from them. 




WHAT TO DO IF YOU RESPONDED TO A FRAUD 

 * Collect all pertinent information: You will want to know what personal
   information of yours has been compromised and what passwords you will need to
   change. 
 * Report to the authorities: The majority of victims of fraud do not report the
   fraud to authorities. If you are worried your personal information, such as
   your Social Security number, has been compromised, you will need to report it
   and leave a paper trail. 
 * Check your insurance coverage: You may be able to receive some sort of
   compensation for fraud, so make sure you call your credit card company and
   check your insurance coverage. 




HOW TO PROTECT YOURSELF FROM PHISHING, SCAMS AND FRAUD 

 * Protect your computer with security software: A great way to keep your
   computer safe from viruses is to install security software. Popular options
   include Bitdefender Antivirus Plus and Webroot SecureAnywhere for Mac. 
 * Protect your accounts by using multi-factor authentication: A great way to
   ensure hackers do not access your private accounts is by using multi-factor
   authentication, such as Okta. 
 * Don’t click on suspicious links: If you receive a phishy email that has a
   link, instead of clicking the link, Google the website it says it is taking
   you to yourself. You can also hover your mouse over the provided link to see
   if the URL it has hyperlinked is the website it claims it is going to take
   you to. 
 * Call banks and major companies to confirm personal information rather than
   email: Contacting your bank or any other company to discuss an email you
   received is a much safer option than responding to a phishy email directly. 
 * If using work-related technology, educate coworkers and staff: Immediately
   let your company know if you have accidentally fallen victim to fraud.
   Additionally, make sure your coworkers and staff are aware that you are being
   targeted for scams so they can be on the lookout for them as well. 
 * Verify the security of a site: One way to check the security of a site is
   looking at the URL. If it says “https” instead of “http” it means the site
   has been secured using an SSL Certificate (S stands for secure). 
 * Watch what you share on social media: Do not post photos on social media that
   reveal any personal information. Do not post your vaccination card, a
   driver’s license, credit card, etc. 
 * Report suspicious activity immediately: Reporting suspicious activity will
   not only protect you but others who may be the future target of scams. 
 * Consider using “incognito mode” for browsing: One extra precaution you can
   take to prevent having your activity and data tracked is by using incognito
   mode on your computer. This is not a fool-proof option but it will provide
   you with some additional security.  
 * Consider using a VPN: A great way to prevent being sent phishing emails is to
   use a VPN. When on a private network, it is much harder for scammers to find
   you.  
 * When picking your ISP, check out their available security measures: Many ISPs
   will offer free security features with some or all of their internet plans.
   Consider this factor when choosing your ISP. 








REPORTING SCAMS AND INTERNET SAFETY PROTOCOLS 

 * Your state consumer protection office: Your state consumer protection office
   can help you if you have lost money or possessions due to a scam. You can
   find your state’s office here. 
 * The Federal Trade Commission: The FTC is your best bet if you have fallen
   victim to identity theft. They will create an individualized recovery plan
   and help you fill out the required forms to manage your situation. 
 * Internet Crime Complaint Center: If you would like to report an internet
   crime, the Internet Crime Complaint Center through the Federal Bureau of
   Investigation is the way to go. 
 * Econsumer.gov: Econsumer.gov is a great resource for reporting international
   scams and learning more about how you can avoid scams in the future.
 *  IRS: Contact the International Revenue Services (IRS) for any issues
   relating to tax fraud. 
 * Anti-Phishing Working Group: To help stop the spread of phishing emails, you
   can report any fraudulent email you have received to the Anti-Phishing
   Working Group. 
 * SCAM (7726); If you receive phishing messages over text, also known as
   Smishing, forward those messages to SCAM (7726) to help stop the spread. 






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Written by:

Ari Howard

Associate Writer, Broadband & Wireless Content

Ari is an Associate Writer for the Allconnect team, focusing on broadband and
wireless news, as well as broadband and TV provider deals. She recently
graduated from Davidson College with a bachelor’s degree in… Read more

Edited by:

Robin Layton

Editor, Broadband Content

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Home page Resource Center Internet Guide to online safety: Phishing, scams and
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Last updated: Jul 1, 2021


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