This is another phishing scam that is making the rounds these days. It appears to be a legitimate email from Bank of America informing you that due to upgrades being done to the Bank of America computer systems, it is necessary for you to confirm personal account information in order to maintain your account. Of course, if you click on the link contained in the email, you will only succeed in either unwittingly downloading keystroke logging malware that will steal your personal information from your computer and use it to make you a victim of identity theft or you will be sent to another website that prompts you to provide your personal information directly, which then wil be used to make you a victim of identity theft. Either way you lose. Here is a copy of the email presently being circulated:
We need you to confirm your Bank of America account due to our new upgrading. It is mandatory that you confirm your details through our secure link below.
Thank you for your co-operation.
Bank of America Admin
Copyright © 2015 BOA Inc.”
There are a number of ways to know that this is a phishing scam. First of all, if you are not an account holder at Bank of America, you can rest assured that the email is a scam. Unfortunately, there are so many people that are account holders at Bank of America, the scammers just send out the email in large numbers hoping to reach Bank of America account holders among the random people being sent the email. The email address from which it is sent was not that of Bank of America, but rather that of a private individual whose email account was hacked, taken over and made part of a botnet to send these emails in large numbers. Because you can never be sure whenever you receive an email that asks you to provide personal information whether it is legitimate or not, the best thing to do is to remember my motto, “trust me, you can’t trust anyone” and confirm whether it is legitimate or not by calling the real company, in this case Bank of America to learn whether or not the email is phony or not. Chances are, you will be told that it is a scam.