Scams

Different scams.
Same advice.

There are dozens of scams out there. Some are done over the phone. Some at the door. Some by e-mail. But most scams are easy to spot because they have three things is common.

1. Urgency
   
   Scammers want you panicked so you don’t think. So they say things like:
   “Your grandson was arrested and needs bail money!”
   “Your will have to pay a late payment fine!”
   “If you don’t pay you will get in trouble!”
   “I know what embarrassing websites you visited and I will tell your family!”
   
   
2. Money or personal information
   
   Scammers ask for a payment, a money transfer, gift cards, or sensitive info like your SIN, banking details, or security codes.
   
   So they will say things like:
   “Your grandchild is in trouble and you need to transfer money!”
   “I need your bank login info!”
   “What is your social insurance number?”
   “Pay me or I will embarrass you!”
   
   
3. Secrecy
   Scammers don’t want you to tell anyone what is happening. So they say things like:
   
   “Don’t tell anyone.”
   “Don’t call your family.”

What to do?

1. Hang up the phone.
2. Delete the e-mail.
3. Close the door.

What if it really was the bank / the revenue agency / the doctor?

It probably wasn’t. But to be sure, call the bank using the number on the back of your credit card. In other words, look up the real number and make the call yourself. That way, you’ll know exactly who you’re talking to.

And remember:

1. Voices can be imitated.
2. Caller ID can be faked.
3. Letters and websites can be forged.
4. Stories can be made up.

Resources

Government of Canada

• Protect yourself from scams and fraud
• List of scams
• Secure your accounts
• What to do if you’re a victim of fraud

Montreal Police Department (SPVM)

• Fraud targetting seniors