What details should you not give over the phone?

Protect Yourself from Phone Scams: Essential Details to Never Share

In the digital age, it’s crucial to be vigilant against phone scams that can compromise your personal and financial information. To safeguard yourself, it’s imperative to know what details you should never disclose over the phone.

1. Financial Data

Never share your account numbers, routing numbers, or PINs over the phone. Legitimate financial institutions will not ask for this sensitive information over the phone. If someone requests such details, it’s a red flag for a potential scam.

2. Verification

Rigorously verify the caller’s identity. Don’t trust callers who claim to be from a bank, government agency, or reputable organization without confirming their credentials. Ask for their name, contact information, and employee ID. If they hesitate or provide inconsistent information, disconnect the call.

3. Suspicious Requests

Be skeptical of unsolicited phone calls that request personal information. Scammers often use urgent or emotional appeals to trick you into disclosing sensitive details. Remember, legitimate institutions will send written correspondence or provide a secure online portal for you to verify their requests.

4. Gift Cards and Wire Transfers

Never agree to send money via gift cards or wire transfers. These methods are common payment mechanisms for scammers who want to avoid detection. Legitimate businesses will not ask you to send money in this manner.

5. Social Security Number

Your Social Security Number (SSN) is highly sensitive information. Never give it out over the phone unless you have initiated the call to a trusted source. Scammers can use your SSN to commit identity theft and access your financial accounts.

6. One-Time Passwords (OTPs)

OTPs are temporary codes sent to your phone for added security. Never share them with anyone, as they can be used to access your accounts.

Remember:

• Legitimate institutions will not ask for personal or financial information over the phone.
• If you receive a suspicious phone call, hang up immediately and report it to the relevant authorities.
• Stay informed about common scam tactics by reading reputable sources of information.
• Protect your sensitive information by safeguarding your devices and using strong passwords.

By following these guidelines, you can minimize the risk of falling victim to phone scams and safeguard your personal and financial well-being.