Avoiding Coronavirus Scams
Scammers are taking advantage of the coronavirus pandemic to con people into giving up their money. During this time of uncertainty, knowing about possible scams is a good first step toward preventing them. The following information is provided by the Consumer Financial Protection Bureau (cfpb).
Types of scams to watch out for
Vaccine, cure, air filters, and testing scams
The FTC warned about an increasing number of scams related to vaccines, test kits, cures or treatments, and air filter systems designed to remove COVID-19 from the air in your home. At this time, there is no vaccine for this virus, and there is no cure. If you receive a phone call, email, text message, or letter with claims to sell you any of these items–it’s a scam.
What to do: Testing is available through your local and state governments, but these tests are not delivered to your house.
Fake coronavirus-related charity scams
A charity scam is when a thief poses as a real charity or makes up the name of a charity that sounds real to get money from you. Be careful about any charity calling you asking for donations. Be wary if you get a call following up on a donation pledge that you don’t remember making–it could be a scam.
What to do: If you are able to help financially, visit the website of the organization of your choice to make sure your money is going to the right place.
"Person in need" scams
Scammers could use the circumstances of the coronavirus to pose as a grandchild, relative or friend who claims to be ill, stranded in another state or foreign country, or otherwise in trouble, and ask you to send money. They may ask you to send cash by mail or buy gift cards. These scammers often beg you keep it a secret and act fast before you ask questions.
What to do: Hang up and call your grandchild or friend’s phone number to see if the story checks out. You could also call a different friend or relative. Don’t send money unless you’re sure it’s the real person who contacted you.
Scams targeting Social Security benefits
While local Social Security Administration (SSA) offices are closed to the public due to COVID-19 concerns, SSA will not suspend or decrease Social Security benefit payments or Supplemental Security Income payments due to the current COVID-19 pandemic. Scammers may mislead people into believing they need to provide personal information or pay by gift card, wire transfer, internet currency, or by mailing cash to maintain regular benefit payments during this period. Any communication that says SSA will suspend or decrease your benefits due to COVID-19 is a scam, whether you receive it by letter, text, email, or phone call.
What to do: Report Social Security scams to the SSA Inspector General online at https://oig.ssa.gov/.
COVID-19 government imposter scams
Many of us are paying close attention to the guidance from federal, state, and local governments during this COVID-19 health emergency. Unfortunately, scammers are also paying attention. Some are even pretending to be affiliated with the government–just to scam you out of money.
What to do: Know that the government will never call, text, or contact you on social media saying you owe money, or to offer help getting your Economic Impact Payment (EIP) faster. If you get a message from someone claiming to be from a government agency through social media, it’s a scam.
Visit government websites directly for trustworthy information. Don’t click on links in an email or text message. Scammers often send fake links to websites that look like they’re from the government. Instead of clicking on links in messages, open up a new window and search for the name of the government agency. You can visit www.coronavirus.gov for the most up-to-date information on the pandemic.
If you spot a scam, report it to the Federal Trade Commission at www.ftc.gov/complaint.