Protecting Yourself from Scams: What to Do if You've Received a Suspicious Call

The internet and technology have made communication incredibly convenient, but they've also opened the door for a new wave of scams. Scammers can use sophisticated methods to exploit unsuspecting individuals. For example, if you unknowingly say 'yes' to a recording, it can be used to authorize charges on your account. Let's explore what you can do if you receive a suspicious call.

Understanding the Threat

Scammers often use recorded messages claiming to be a financial institution, bank, or government agency. They will attempt to gain your trust and elicit a 'yes' that can be used to authorize transactions. It's important to recognize the warning signs and take immediate action to protect your financial security. Here's what to do:

How to Handle a Suspicious Call

1. Never Say 'Yes'

Avoid saying 'yes' or 'any affirmative word' to a recorded or live voice. This can be used to authorize charges on your account. For example, a scammer might say:

"Is this John?" "I am John." "Can you hear me all right, John?" "I hear you." "I just need a yes or no." "I can still hear you."

Similarly, if you receive an unsolicited call, do not engage further. Hang up the phone immediately to prevent the scammer from gathering more information.

Stay Calm and Assess the Situation

2. Stay Calm: Don't Panic

It's crucial to remain calm when you suspect you've fallen victim to a scam. Panic can cloud your judgment, leading to poor decision-making. Take a moment to assess the situation and determine the best course of action.

Do Not Engage Further

3. Do Not Engage Further

If you receive additional calls from the scammer, do not engage with them. Hang up immediately and do not return any calls from the same number.

Monitor Your Accounts

4. Monitor Your Accounts

Check your bank and credit card accounts for any unauthorized transactions. If you notice any suspicious activity, report it to your bank or financial institution immediately.

Change Passwords

5. Change Passwords

If you provided any personal information, consider changing passwords for your accounts, especially for financial services. Strong, unique passwords can help protect your information from unauthorized access.

Report the Scam

6. Report the Scam

Report the Call to the Federal Trade Commission (FTC): File a complaint with the FTC at ReportFraud.ftc.gov. State Authorities: Check if your state has a consumer protection agency and report the incident. This can help you receive state-specific assistance and resources.

Additional Measures to Protect Yourself

7. National Do Not Call Registry:

Report the number to the National Do Not Call Registry if you're in the U.S. To do this, visit This can help prevent you from receiving more unsolicited calls from the same number.

8. Fraud Alert:

Place a fraud alert on your credit report by contacting one of the three major credit bureaus (Experian, TransUnion, Equifax). This makes it harder for identity thieves to open accounts in your name. A fraud alert will stay on your credit file for at least 90 days.

9. Credit Freeze:

Consider freezing your credit with one of the three major credit bureaus. A credit freeze prevents anyone from accessing your credit report, which can help protect you from identity theft. You can unfreeze your credit when you need to.

Stay Informed and Educated

Staying informed about the latest scam tactics is crucial. Research common scams to better understand what to look for. This awareness can help you avoid falling victim to future schemes.

10. Educate Yourself: Stay up-to-date with the latest scam tactics and information by following reputable news sources, financial institutions, and government agencies.

Seek Professional Help if Needed

If you're concerned about identity theft or if you provided sensitive information, consider reaching out to a professional for advice or assistance. They can offer personalized guidance and support to help you navigate the situation.

Conclusion: Being cautious and proactive is key to minimizing any potential harm from such scams. By following the steps outlined above, you can take control of the situation and protect yourself and your finances.