Phishing

We recently alerted our readers to spam campaigns using the H1N1 vaccination program to prompt recipients to open the mail. And we have frequently mentioned that crooks love to take advantage of news, disasters, and other events. Now that the final draw for the FIFA World Cup in South Africa next year has taken place, it is time to remind you that sports events are no exception to the rule. I’ve already found some examples. The first is a fake lottery. In this case, the source claims the recipient has won a large sum of money from the South African Football Association. After contacting the lottery manager, the victim of the scam will be asked to pay “processing fees” or “transfer charges” so that the winnings can be distributed. Don’t expect to ever see a payment. ...

There are good reasons to be suspicious of e-mail. Some e-mail messages might be phishing scams, some might carry viruses. Images in spam e-mail might turn out to be pornographic, or to include Web beacons, which can be adapted to secretly send a message back to the sender. Follow these guidelines to help protect yourself when suspicious mail shows up in your Inbox. 1. Do not respond — and don’t open junk mail If an e-mail looks suspicious, don’t risk your personal information by responding to it. Delete junk e-mail messages without opening them. Sometimes even opening spam can alert spammers or put an unprotected computer at risk. Don’t reply to e-mail unless you’re certain that the message comes from a legitimate source. This includes not responding to messages that offer an option to “Remove me from your list.” Do not “unsubscribe” unless the mail is from a known or trusted sender. Use the junk mail tools in your e-mail program. Gmail, Outlook, Yahoo, and most providers let you mark messages as spam or phishing, which trains their filters and blocks the sender. 2. Approach links with caution Links in phishing e-mail messages often take you to phony sites that encourage you to transmit personal or financial information to con artists. Avoid clicking a link in an e-mail message unless you are sure of the real target address, or URL. ...

A few clues can help you spot fraudulent e-mail messages or links within them. What does a phishing e-mail look like? Phishing e-mail messages are designed to steal your identity. They ask for personal data, or direct you to Web sites or phone numbers to call where they ask you to provide personal data. Phishing e-mail messages take a number of forms: They might appear to come from your bank or financial institution, a company you regularly do business with, such as Microsoft, or from your social networking site. They might appear to be from someone you know. Spear phishing is a targeted form of phishing in which an e-mail message might look like it comes from your employer, or from a colleague who might send an e-mail message to everyone in the company, such as the head of human resources or IT. They might ask you to make a phone call. Phone phishing (vishing) scams direct you to call a customer support phone number. A person or an audio response unit waits to take your account number, personal identification number, password, or other valuable personal data. They might include official-looking logos and other identifying information taken directly from legitimate Web sites, and they might include convincing details about your personal information that scammers found on your social networking pages. They might include links to spoofed Web sites where you are asked to enter personal information. To make these messages look even more legitimate, scam artists may place a link that appears to go to the legitimate Web site, but actually takes you to a phony scam site or a pop-up window that looks exactly like the official site. ...

Online fraud is annoying, costly, and risky for both your accounts and your computer. You can cut a lot of that risk by learning to recognize scams and keeping a few habits consistent. Identity theft predates the web, but going online made it cheaper for criminals to reach large numbers of people. Attackers who want your accounts use phishing, hoaxes, and related tricks to obtain personal information — name, government ID numbers, account names, passwords, and more. ...

Phishing (pronounced “fishing”) is a type of online identity theft. It uses e-mail, text messages, and fraudulent Web sites that are designed to steal your personal data or information such as credit card numbers, passwords, account data, or other information. Con artists might send millions of fraudulent messages with links to fraudulent Web sites that appear to come from Web sites you trust, like your bank or credit card company, and request that you provide personal information. Criminals can use this information for many different types of fraud, such as to steal money from your account, to open new accounts in your name, or to obtain official documents using your identity. ...

If you suspect that you’ve responded to a phishing scam with personal or financial information, take these steps to minimize any damage. Step 1: Report the incident Contact the following authorities: Your credit card company, if you have given your credit card information. The sooner an organization knows your account may have been compromised, the easier it will be for them to help protect you. The company that you believe was forged. Remember to contact the organization directly, not through the e-mail message you received. In the United States, report identity theft at IdentityTheft.gov and file a fraud report at ReportFraud.ftc.gov. You can also report the phishing scam to the Anti-Phishing Working Group by forwarding the phishing e-mail message as an attachment to [email protected]. ...