Common Impersonation Scams: Know the Warning Signs

Scammers are finding new ways to make fraudulent messages seem trustworthy. By pretending to be financial institutions, businesses, friends, or family members, they attempt to convince you that their requests are legitimate.

These scams rely on familiarity and trust to persuade individuals to reveal personal information, share financial details, or transfer money.

Knowing how impersonation fraud works can help you recognize suspicious requests before becoming a victim.

Fraudulent Bank Calls and Texts

Cybercriminals may pose as bank employees and contact you about unusual account activity or a potential security threat. They may request your banking credentials, account details, or verification codes. If you're contacted unexpectedly, avoid providing information and call your bank using a trusted number from its official website or your debit card.

Emergency Scams Involving Loved Ones

Some fraudsters impersonate relatives or friends, claiming they're in trouble and need money immediately. These situations are designed to create panic and encourage quick decisions. Always contact the person directly or verify the emergency with another family member before sending funds.

Phone Number Spoofing

A phone call appearing to come from a recognizable number isn't necessarily legitimate. Scammers use caller ID spoofing technology to display numbers associated with trusted businesses or individuals. Verify the caller's identity independently before sharing sensitive information.

Artificial Intelligence Impersonation

AI technology can help scammers create realistic voice recordings, emails, and text messages that resemble communications from people you know. If a request seems unexpected or suspicious, use a separate, reliable method to confirm it's genuine before responding.

Before You Proceed...

Recognizing the signs of impersonation scams is an important part of protecting your personal and financial information. Even when a request appears to come from a trusted source, taking time to verify its authenticity can help prevent fraud and identity theft.

Staying cybersecure doesn't require questioning every interaction. It means remaining aware of potential threats, trusting your instincts, and making thoughtful decisions before taking action.