The “virus on your computer” call or pop-up
“This is Microsoft. Your computer is sending us errors.” Or a loud warning screen with a phone number to call.
The truth: Microsoft, Apple and your internet company never call you about a virus. A real warning never shows a phone number. Close the window or turn the computer off.
The bank or tax call
“Your account has been hacked. Move your money to a safe account.” Or: “You owe taxes to the CRA. Pay today or the police will come.”
The truth: Your bank will never ask you to move money or read out a code. The CRA never takes gift cards or bitcoin, and never threatens arrest by phone.
The grandchild in trouble
“Grandma, it’s me. I’m in trouble and I need money. Please don’t tell Mom.”
The truth: Scammers can now copy a voice from a short video online. Hang up and call your family member on the number you always use. A family code word helps too.
The text about a parcel or refund
“Your parcel is on hold. Pay $1.99 here to release it.”
The truth: The link is there to steal your card number. Don’t tap links in texts you weren’t expecting. Go to the company’s website yourself.
The online friend who needs help
Someone you met online, who is lovely and always has a reason they can’t meet, suddenly needs money or wants you to invest.
The truth: If you have never met someone face to face, never send them money. Not once, not a little.
The prize or “sure thing” investment
“You’ve won! Just pay the fee.” Or: “Guaranteed returns with cryptocurrency.”
The truth: A real prize never costs money to collect. Nobody can guarantee an investment.