Although so much of our attention is focused on scams perpetrated on the Internet and through means of high technology, a recent survey confirmed that low technology, namely the telephone still is fertile ground for many scams. According to the Truecaller/Harris survey more than 17 million Americans became victims of telephone scams during the past year at a cost of 8.6 billion dollars. One specifically telephone connected scam is “cramming” where fraudulent charges are added to your phone bill and often go unnoticed by people who pay little attention to the detailed information provided in lengthy, monthly phone bills particularly for wireless service. There are many ways that these unauthorized charges make their way to a victim’s phone, sometimes, consumers actually unknowingly sign up for premium texting services that may be for things such as flirting tips, horoscopes or celebrity gossip. Whatever the source of the charges, they are fraudulent and typically cost about $9.99 per month and continue to appear for months without end. You can find more detailed information about cramming by putting the word “cramming” into the archives section of Scamicide. Other telephone related fraud occurs when people provide personal information over the phone when called by scamming telemarketers or to scammers who entice or scare the person receiving the call to either provide personal information or make a payment, such as in the present scam in which you receive a call purportedly from the IRS demanding payment for outstanding taxes.
In regard to protecting yourself from cramming, you should never click on links or sign up for anything unless you have carefully read the fine print to see what else you may be signing up for. In fact, you should never click on links in an email or text message unless you have independently verified that it is legitimate. As for calls from telemarketers, not all telemarketers are criminals, but unfortunately, you have no way of knowing when you receive a call whether or not the person on the other end of the conversation is indeed legitimate or not so you should never provide personal information or payment in response to a telephone call until you have independently verified the call. You may even wish to put yourself on the federal Do Not Call list to avoid telemarketers. If you do get a call from a telemarketer after you have put yourself on the list, you know that the person is not legitimate and you should ignore the call. Here is a link to the Do Not Call list if you wish to enroll. https://www.donotcall.gov/ You can still receive calls from charities even if you are on the Do Not Call List, but again, you cannot be sure that the person calling is really from the charity so never give money over the phone to a telemarketer who calls you on behalf of a charity. It is also worth noting that when you do make a charitable donation to a legitimate charity telemarketer, the telemarketer takes a percentage of your contribution as a commission. If you want your donation to do the most good, you should contact the charity directly to make your donation.