Illegal robocalls are declining as more and more phone companies install federally mandated technology to block spoofed calls and flag other scam calls. But most of us still get too many. One a month is too many, right? Here are some tips to live by and share with vulnerable friends or relatives:
- Don’t ever pay bills or debts with gift cards. Period. Full stop. Gift cards are for gifts or to make a purchase for yourself. No legitimate operation accepts gift cards to pay for an obligation — not the Internal Revenue Service or a jail or a bank.
- On your outbound voicemail message, don’t provide your full name. There’s no sense giving potential scammers information they may not already have.
- If you have a voicemail box with your phone line, set up a password. Some voicemail services give access to messages if you call from your own phone number. But if an identity thief spoofs your number and there’s no password, they potentially could access your messages and personal information.
- Don’t give your phone number to anyone who doesn’t really need to reach you immediately, especially if they’re going to put your number in a database. Instead, opt for email notifications from retailers, pharmacies, etc., particularly if you get your email on your cell phone.
- For those times when you need to give a business a phone number, consider getting a free phone number to link to your phone, such as a Google Voice number. You can set it up to require callers to state their name before you decide whether to answer or let the call to voicemail. Using this number to make phone calls also prevents businesses from automatically capturing your real cellphone number when you call a toll-free number.
- Use multiple robocall filters. Each one offers an opportunity to catch something that slips through the previous filter. You can route calls that are flagged straight to your voicemail. Start by asking your phone company what robocall filters it offers at no charge. For more information on call blockers, the FTC recommends consulting with the CTIA, the wireless industry’s trade association.
Here are lists of reputable robocall filtering software for cell phones. Some are free; some cost money.
For Apple (iOS): https://www.ctia.org/consumer-resources/how-to-stop-robocalls/ios-roboca…
For Androids: https://www.ctia.org/consumer-resources/how-to-stop-robocalls/android-ro…
- If someone calls and claims to be with a company you do business with and you think the call may be legitimate, hang up and call them back at a phone number you look up independently. And never confirm or provide personal information to any caller you weren’t expecting, no matter who they say they are. Not your name, your ZIP code, your shoe size … Nothing.
- If you get some kind of call that you’re supposedly a victim of fraud or you’re behind on taxes or your grandchild is in jail, call someone you trust before you do anything — maybe a friend, a trusted relative or a neighbor. Just saying what’s going on out loud can help you realize it’s a scam.
- If any caller wants you to take action immediately or pressures you not to tell anyone about the call, hang up and contact a trusted relative or friend.
- Never respond in the affirmative to unknown callers who ask something like, “Can you hear me?”
- If you answer an unwanted call, never press a button to be removed from the call list. It doesn’t work; it just lets the caller know there’s a live person at this phone number. Just hang up.
- Don’t trust your caller ID. A call appearing to be from a neighbor or a government agency could be coming from a con-artist halfway around the world. A scammer could even potentially spoof a number in your contacts list, but you presumably would recognize if the voice was unfamiliar.
- Don’t be tricked if a caller/ robocaller knows your name, address, family members’ names or even your Social Security number. All of this and more was exposed for half of the adult population in the Equifax data breach of 2017 and numerous other breaches in recent years.
- If you don’t want to receive sales calls, register your phone number with the federal Do Not Call Registry. Legitimate businesses will honor your request because it’s the law.
- Report illegal robocalls or Do Not Call List violations:
Call the FTC at 1-877-FTC-HELP or file a complaint online at ftc.gov/complaint and consumercomplaints.fcc.gov .
Violations of the Do Not Call List can also be made to https://www.donotcall.gov/You should note the number on your Caller ID and any number left on the message that you’re supposed to call back.
You should also report illegal or unwanted calls to your state attorney general. See the contact information for the attorneys general in every state here.
- If you continue to get more than a few illegal robocalls a week, complain to your phone company and ask what more it can do to help protect your privacy. Companies are allowed to block spoofed and known scam calls, provide on-screen warnings of suspicious calls, offer to let customers divert calls with the caller ID blocked to voicemail, etc.
- Consumers whose landline providers don’t do a good enough job of filtering robocalls may consider buying a phone that doesn’t allow calls from unknown numbers to go through if the caller doesn’t announce her name. They’re available for $50 or less.
- Vow to do more to protect your friends and relatives, especially the most vulnerable. We should occasionally strike up conversations with loved ones about scams that are out there and make sure those we care about know they can talk to us if there’s ever a question about a call or text message they received. And we should never belittle people who fall for scams. We need to eliminate the stigma so people feel free to reach out for help.
Consumer Watchdog, U.S. PIRG Education Fund
Teresa directs the Consumer Watchdog office, which looks out for consumers’ health, safety and financial security. Previously, she worked as a journalist covering consumer issues and personal finance for two decades for Ohio’s largest daily newspaper. She received dozens of state and national journalism awards, including Best Columnist in Ohio, a National Headliner Award for coverage of the 2008-09 financial crisis, and a journalism public service award for exposing improper billing practices by Verizon that affected 15 million customers nationwide. Teresa and her husband live in Greater Cleveland and have two sons. She enjoys biking, house projects and music, and serves on her church missions team and stewardship board.