You’ve heard it time and again – DON’T click on that link! Whether it came by text, email, or a social media post, that link could cause you endless grief.
That link is part of what’s called a phishing scam – phishing with a “ph”. Scam artists need you to click on the link so they can download malware onto your device or trick you into logging into what you think is a legitimate website. In seconds, you have now given them access to your phone or laptop AND the user ID and password to your bank account.
Why do you click? That part of the scam is called social engineering. The bad actor’s goal is to generate extreme fear or happiness in you – or maybe even just a strong sense of curiosity. He just needs you to act before you think.
For instance – you receive a text with a link claiming to be a video of you. It could be innocent enough (you were eating!) or distressing (you were caught naked or in an otherwise compromising act). You really, REALLY, want to see what that video shows. (See attached image.) Don’t fall for it and certainly don’t click!
Here are some helpful hints on how to stay safe, thanks to our partners at the Federal Communications Commission (FCC):
If you are the victim of an online scam, you should report the incident to the FBI’s Internet Crime Complaint Center at www.ic3.gov or call your FBI local office.