Can We Have A Listing Of Our Transaction At Money Graham?
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How to Avoid Scams
"Am I safe, or am I existence scammed?"
"Am I safe, or am I beingness scammed?"
Know the red flags
The most common types of scams will target you through faux emails, text letters, vocalisation calls, letters or even someone who shows up at your forepart door unexpectedly. No thing which technique the scammer uses, y'all may be:
- Instructed to non trust Bank of America, or to respond to questions in untruthful ways
- Pressured to send coin
- Threatened with law enforcement action
- Told to purchase gift cards and provide codes every bit a form of payment
- Asked to cash a bank check for a stranger or send money via wire transfer or Zelle®
- Asked to eolith a check that overpays for something you're selling, and so send the divergence elsewhere
If yous authorize a transfer or send coin to a scammer, at that place'due south often piffling we can exercise to help go your money dorsum.
Know the scams
Scammers use different tactics to go victims to fall for their schemes. In some cases, they can be friendly, sympathetic and seem willing to help. In others, they utilise fright tactics to persuade a victim. Select the scam blazon from the following listing to see a typical bulletin from a scammer and the red flags that should cause you concern.
Bank check CASHING SCAM
(typical message): "Excuse me, I left my wallet home, can you cash this check for me?"
Ruby-red flags include: You're approached outside a bank branch and asked to cash a bank check for someone who claims they don't have an account or left their ID home. The bad bank check will be held against your account when information technology doesn't clear.
FAKE Appurtenances SCAM
(typical message): "We tin can offer y'all those goods at a considerably lower cost than retail."
Red flags include: You're asked to pay a very depression price for typically expensive items (for example: $49 for a $300 pair of sneakers). Never transfer money (for example, by using Zelle® ) to someone you don't know.
Simulated RENTAL SCAM
(typical message): "Hi, I see you received my rental deposit and wanted to follow upwardly nearly the move in appointment."
Red flags include: Your business firm is legitimately listed for sale online, but scammers have fix up a fake website and listed your business firm every bit a rental. You receive inquiries from prospective renters about deposit checks they sent y'all (which they really sent to the scammer).
OVERPAYMENT SCAM
(typical message): "Get alee and deposit the check and wire the difference to the account number fastened."
Red flags include: Yous receive an overpayment for an item you lot're selling, immediately followed by a request to deposit the check (which turns out to be a bad check) and and so send the difference via a wire or gift carte.
Student AID SCAM
(typical message): "Your student aid is at take a chance: Click this link to verify your information and validate your security."
Cerise flags include: The link in the email isn't familiar and the message has grammatical errors and doesn't address the student by proper noun.
TECH SUPPORT SCAM
(typical message): "We've detected malware on your calculator, allow'due south go ahead and get this fixed for you."
Red flags include: You receive a asking from tech back up claiming your computer has malware and requesting payment to fix the defects or access your computer.
CHARITY SCAM
(typical message): "Hi, the reason for my call is to run into if you would consider altruistic to help preserve our local park."
Red flags include: You receive a request to donate to a charity that you've never heard of and for which you tin can't discover an official website.
DEBT RELIEF SCAM
(typical message): "I can help you reduce or eliminate your debt."
Ruby flags include: Yous receive a request for payment in order to establish a service relationship to pay, settle or get rid of debt.
EMAIL COMPROMISE SCAM
(typical message): "There's been a change in the transfer details for completing your buy. Please transport the funds to the post-obit business relationship."
Red flags include: You receive an unexpected asking to redirect funds.
GRANDPARENT SCAM
(typical message): "Grandma, I'm in trouble! I need your help — I need some coin actually fast!"
Cherry flags include: You receive a call or text message from someone claiming to be a grandchild or loved one asking for money to help with an emergency, plus instructions on where to ship the funds.
IMPOSTOR SCAM
(typical message): "I'm with the IRS and a lawsuit is existence filed confronting y'all for not-payment of back taxes."
Red flags include: You receive a asking from a government agency asking you for a payment and/or to verify your personal information.
INVESTMENT SCAM
(typical message): "Glad I got y'all! A while dorsum you lot requested information virtually one of our programs. Are you gear up to invest?"
Red flags include: You lot receive a asking to invest in a business opportunity with promises of high returns and/or getting rich quick.
LOTTERY/SWEEPSTAKES SCAM
(typical message): "Your email address was randomly picked to receive a major prize in our drawing. To receive your prize, simply follow these instructions."
Red flags include: You lot receive a asking to prepay fees or taxes in order to receive a large prize you supposedly won.
ROMANCE SCAM
(typical message): "I'd honey to come to encounter you, simply I don't take the coin to travel right now. Can you assistance me out?"
Cherry-red flags include: You receive a request for financial support from a new partner in an exclusively online relationship.
MORTGAGE CLOSING SCAM
(typical message): "URGENT: New Instructions For Wiring Your Closing Funds."
Cherry-red flags include: You receive an e-mail or text message that looks similar to your real estate agent'south contact info that indicates at that place is a terminal minute modify to the wiring instructions, and tells you to wire endmost costs to a different account.
Know the best means to avoid being scammed
Don't respond: If y'all're not 100% certain of the source of the call, email or text, so hang up the telephone, don't click on the link in the email and don't answer to the text message.
Don't trust caller ID or answer phone calls from unknown numbers: If you recognize the caller ID but the call seems suspicious, hang upwardly the phone. Telephone numbers tin be easily spoofed to appear to exist from a legitimate caller.
Don't requite out your information: Never provide any personally identifiable data unless you lot're absolutely certain the person and reason are legitimate. Remember: Bank of America will never ask you lot to send us personal information such every bit an account number, Social Security number or Revenue enhancement ID over text, email or online.
Research and validate: If the individual or organization seems suspicious, make sure the request existence made is legitimate past calling the organisation through an official number from their website or consulting with a trusted family unit fellow member or friend.
If you feel you may have been a victim of a scam, contact us immediately.
Know fraud when you see it
Know what to practice when your bill of fare is lost or stolen, you meet suspicious activity on your statement and more.
Meet how to written report a problem
Source: https://www.bankofamerica.com/security-center/avoid-bank-scams/
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