There are many unsuspecting people only too willing to give others the benefit of doubt that what they are being told is the truth. Unfortunately, there are those in today's society whose word does not count for much, people who are ready, willing, and able to scam anyone. Sadly, this is a rough realization for those who are eternal optimists; however, it is a reality that must be faced to avoid things such as identity theft, stolen credit cards, and unauthorized funds being withdrawn from bank accounts. It is also the reason for making sure you have the right personal insurance in place.

How Do Cybercriminals Operate?

Some scam artists are better known as “cybercriminals.” The latest manner in which they attack their victims is by representing themselves as helpful software tech support from Microsoft. The trickery begins with a phone call from “Microsoft,” where these tech support reps claim to offer support for a computer issue. They state the victim's computer has been sending error messages about a technical problem that needs to be fixed. After gaining the trust of the person on the other end of the phone, by offering to alleviate a problem they did not even know existed, these “Microsoft” technicians then offer to walk them through the steps to fix this mysterious problem. 

This is where the real problem begins. Once a victim believes the person who has called them is there to help, these scammers walk them through the process to “fix” their computer. They start by instructing a person to download software that will fix the issue. What is actually being downloaded is malware that will allow them to access everything on the victim's computer. This includes things such as personal information, passwords, and financial information. Ultimately, these cybercriminals can take control of a victim's computer, rendering it useless unless they pay whatever “ransom” that is demanded. This is one reason why it is so important to have the right type of personal insurance, so any loss resulting from type of scam will be covered.

How To Avoid Cybercriminal Scams!

What the unsuspecting public must understand is that Microsoft will never place an unsolicited call to their customers. While a story may sound legitimate, no one should ever trust an unsolicited phone call where the person on the other end asks for access to any computer. Even if a potential victim is completely aware of this, a scammer is often so believable that they are quite successful.  This scam is a major issue in Canada, the United Kingdom, and the United States. Anytime you receive a suspicious phone call such as this, hang up immediately! 

Do not let scammers take advantage of you. Be prepared by knowing exactly what such a phone call sounds like by listening to an example on the Better Business Bureau website. Unfortunately, this is just one example of how a person must be on guard and not trust everyone they encounter. If you ever find yourself in this situation, Microsoft suggests you quickly change all passwords and alert your bank and financial institutions. For more information on this scam, and how to prevent, protect, or recover from this happening, visit these sources: Microsoft, Forbes, and the Better Business Bureau. 

At Jones & Associates, we offer personal insurance to help protect you and your family from property losses, liability claims, identity thett, and more. Call us today to find out how our family-owned and operated business can help protect your family!

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