<p><span class="blackgraphtx">The following are some of the most common scams that the FBI investigates and tips to help prevent you from being victimized. Visit our <a class="internal-link" href="https://www.fbi.gov/about-us/investigate/white_collar">White-Collar Crime</a> and <a class="internal-link" href="https://www.fbi.gov/about-us/investigate/cyber">Cyber</a> webpages for more fraud schemes.</span></p>



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<p><span class="blackgraphtx">To report cases of fraud, use our <a class="external-link" href="https://tips.fbi.gov/">online tips form</a> or contact your <a class="internal-link" href="https://www.fbi.gov/contact-us/field">nearest FBI office</a> or <a class="internal-link" href="https://www.fbi.gov/contact-us/legat">overseas office</a>.</span></p>



<h2 class="wp-block-heading"><span class="blackgraphtx"><strong>Telemarketing Fraud</strong></span></h2>



<p>When you send money to people you do not know personally or give personal or financial information to unknown callers, you increase your chances of becoming a victim of telemarketing fraud.</p>



<p>Here are some warning signs of telemarketing fraud—what a caller may tell you:</p>



<ul class="wp-block-list">
<li>“You must act ‘now’ or the offer won’t be good.”</li>



<li>“You’ve won a ‘free’ gift, vacation, or prize.” But you have to pay for “postage and handling” or other charges.</li>



<li>“You must send money, give a credit card or bank account number, or have a check picked up by courier.” You may hear this before you have had a chance to consider the offer carefully.</li>



<li>“You don’t need to check out the company with anyone.” The callers say you do not need to speak to anyone including your family, lawyer, accountant, local Better Business Bureau, or consumer protection agency.</li>



<li>“You don’t need any written information about their company or their references.”</li>



<li>“You can’t afford to miss this ‘high-profit, no-risk’ offer.”</li>
</ul>



<p>If you hear these or similar “lines” from a telephone salesperson, just say “no thank you” and hang up the telephone.</p>



<p><strong>Tips for Avoiding Telemarketing Fraud:</strong></p>



<p>It’s very difficult to get your money back if you’ve been cheated over the telephone. Before you buy anything by telephone, remember:</p>



<ul class="wp-block-list">
<li><span class="blackgraphtx">Don’t buy from an unfamiliar company. Legitimate businesses understand that you want more information about their company and are happy to comply.</span></li>



<li><span class="blackgraphtx">Always ask for and wait until you receive written material about any offer or charity. If you get brochures about costly investments, ask someone whose <a class="wpil_keyword_link" title="financial" data-wpil-keyword-link="linked" data-wpil-monitor-id="492" href="https://www.fraudswatch.com/tag/financial-fraud/amp/">financial</a> advice you trust to review them. But, unfortunately, beware—not everything written down is true.</span></li>



<li><span class="blackgraphtx">Always check out unfamiliar companies with your local consumer protection agency, Better Business Bureau, state attorney general, the National Fraud Information Center, or other watchdog groups. Unfortunately, not all bad businesses can be identified through these organizations.</span></li>



<li><span class="blackgraphtx">Obtain a salesperson’s name, business identity, telephone number, street address, mailing address, and business license number before you transact business. Some con artists give out false names, telephone numbers, addresses, and business license numbers. Verify the accuracy of these items.</span></li>



<li><span class="blackgraphtx">Before you give money to a charity or make an investment, find out what percentage of the money is paid in commissions and what percentage actually goes to the charity or investment.</span></li>



<li><span class="blackgraphtx">Before you send money, ask yourself a simple question. “What guarantee do I really have that this solicitor will use my money in the manner we agreed upon?”</span></li>



<li><span class="blackgraphtx">Don’t pay in advance for services. Pay services only after they are delivered.</span></li>



<li><span class="blackgraphtx">Be wary of companies that want to send a messenger to your home to pick up money, claiming it is part of their service to you. In reality, they are taking your money without leaving any trace of who they are or where they can be reached.</span></li>



<li><span class="blackgraphtx">Always take your time making a decision. Legitimate companies won’t pressure you to make a snap decision.</span></li>



<li><span class="blackgraphtx">Don’t pay for a “free prize.” If a caller tells you the payment is for taxes, he or she is violating federal law.</span></li>



<li><span class="blackgraphtx">Before you receive your next sales pitch, decide what your limits are—the kinds of financial information you will and won’t give out on the telephone.</span></li>



<li><span class="blackgraphtx">Be sure to talk over big investments offered by telephone salespeople with a trusted friend, family member, or financial advisor. It’s never rude to wait and think about an offer.</span></li>



<li><span class="blackgraphtx">Never respond to an offer you don’t understand thoroughly.</span></li>



<li><span class="blackgraphtx">Never send money or give out personal information such as credit card numbers and expiration dates, bank account numbers, dates of birth, or social security numbers to unfamiliar companies or unknown persons.</span></li>



<li><span class="blackgraphtx">Be aware that your personal information is often brokered to telemarketers through third parties.</span></li>



<li><span class="blackgraphtx">If you have been victimized once, be wary of persons who call offering to help you recover your losses for a fee paid in advance.</span></li>



<li><span class="blackgraphtx">If you have information about a fraud, report it to state, local, or federal law enforcement agencies.</span></li>
</ul>



<p><span class="blackgraphtx"><strong>For More information: </strong><br>&#8211; <a class="internal-link" href="https://www.fbi.gov/scams-safety/fraud/seniors/seniors#atf">Telemarketing Fraud Targeting Seniors</a></span><br></p>


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