How to Spot a Scam Online: Protecting Your Family from Digital Fraud

Learn the warning signs of online scams and teach your family how to stay safe from digital fraud and cybercriminals.

1. Common Warning Signs of Online Scams. Watch for these red flags: urgent messages claiming you must act immediately, requests for personal information like passwords or Social Security numbers, offers that seem too good to be true, poor spelling and grammar in official-looking emails, and unexpected prizes or winnings you never entered to win. Scammers often create fake urgency to pressure you into making quick decisions without thinking clearly.
2. Email and Message Scams. Be suspicious of emails claiming to be from banks, government agencies, or popular websites asking you to verify account information. Legitimate companies never ask for passwords or sensitive information via email. Check the sender's email address carefully - scammers often use addresses that look similar to real companies but have small differences. Hover over links without clicking to see where they actually lead. When in doubt, go directly to the company's official website instead of clicking email links.
3. Shopping and Marketplace Scams. Before buying from unfamiliar online stores, research the company by reading reviews from multiple sources. Be wary of prices significantly lower than competitors, websites with no contact information, and sellers who only accept wire transfers or gift cards as payment. On social media marketplaces, meet in person for local purchases when possible, and never send money to someone you haven't met. Trust your instincts if something feels off about a deal.
4. Social Media and Romance Scams. Be cautious of new online friends who quickly profess love, ask for money, or want to move conversations off the platform immediately. Scammers often use stolen photos to create fake profiles. If someone claims to be traveling, in the military, or unable to meet in person, ask video chat to verify their identity. Never send money, gift cards, or personal information to someone you've only met online, regardless of their story.
5. What to Do If You Encounter a Scam. Don't respond to suspicious messages or click any links. Take screenshots as evidence before deleting. Report scams to the platform where you found them, your bank if money was involved, and the Federal Trade Commission at ReportFraud.ftc.gov. If you accidentally gave out personal information, contact your bank and credit card companies immediately. Consider placing a fraud alert on your credit reports if you shared sensitive data.