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11-Sep-2017 00:02

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Hang up, and dial the number on the back of your card.Another variation: A text "alert" from your bank or cellphone company that your account's been frozen. But with a scam, that link leads to a look-alike site that thieves use to harvest personal information, says King.Another settled for a .9 million judgment, he says. If you don't recognize a charge, call your phone company for an explanation, Pozza says, and request a refund for anything you didn't authorize.Some phone companies also allow you to block third-party billing. When it finds a pattern of "cramming," it can take action, says Pozza. 3: Ransomware and Cryptolocker The scam: Your computer screen freezes displaying an FBI warning banner: Illegal content has been detected, and the computer will remain locked until you pay the fine.

It works because you downloaded something secretly salted with malware, which the criminal used to hijack your computer and encrypt your data or operating system, says Savage.

The tipoff: On the bills, unauthorized "fees" can show up as everything from horoscope alerts to ring tones, he says.

The charges are often small, anywhere from

It works because you downloaded something secretly salted with malware, which the criminal used to hijack your computer and encrypt your data or operating system, says Savage.

The tipoff: On the bills, unauthorized "fees" can show up as everything from horoscope alerts to ring tones, he says.

The charges are often small, anywhere from $1 to $9.99. One third-party billing operation had to refund more than $1 million to consumers, as part of a settlement with the FTC, says Pozza.

This is a scam, says Rose Chan, a consumer advice counselor for Consumer Action.

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It works because you downloaded something secretly salted with malware, which the criminal used to hijack your computer and encrypt your data or operating system, says Savage.The tipoff: On the bills, unauthorized "fees" can show up as everything from horoscope alerts to ring tones, he says.The charges are often small, anywhere from $1 to $9.99. One third-party billing operation had to refund more than $1 million to consumers, as part of a settlement with the FTC, says Pozza.This is a scam, says Rose Chan, a consumer advice counselor for Consumer Action.

to .99. One third-party billing operation had to refund more than

It works because you downloaded something secretly salted with malware, which the criminal used to hijack your computer and encrypt your data or operating system, says Savage.

The tipoff: On the bills, unauthorized "fees" can show up as everything from horoscope alerts to ring tones, he says.

The charges are often small, anywhere from $1 to $9.99. One third-party billing operation had to refund more than $1 million to consumers, as part of a settlement with the FTC, says Pozza.

This is a scam, says Rose Chan, a consumer advice counselor for Consumer Action.

||

It works because you downloaded something secretly salted with malware, which the criminal used to hijack your computer and encrypt your data or operating system, says Savage.The tipoff: On the bills, unauthorized "fees" can show up as everything from horoscope alerts to ring tones, he says.The charges are often small, anywhere from $1 to $9.99. One third-party billing operation had to refund more than $1 million to consumers, as part of a settlement with the FTC, says Pozza.This is a scam, says Rose Chan, a consumer advice counselor for Consumer Action.

million to consumers, as part of a settlement with the FTC, says Pozza.

This is a scam, says Rose Chan, a consumer advice counselor for Consumer Action.

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The tipoff: Utility companies send warnings, or use automated calls as reminders.But you won't get a call from a utility worker demanding that you make an immediate payment to them, says Chan.The "cable reward" scam is a slight variation that uses the carrot instead of the stick."You very well could have the one piece of information" that could help catch the criminals, says Savage. 4: Late utility bill The scam: Your utility company calls: You're behind on the bill.