In today’s digital world, it is crucial to recognize the warning signs of a scam and the ways to avoid being scammed before it is too late.

Here are four red flags to look for when you may be dealing with a potential scammer:

  • Impersonation: Scammers often pose as trusted businesses like the IRS, Medicare, or other reputable businesses. Always remain cautious if someone is claiming to be affiliated with an organization that you know.
  • Too Good to be True: If you receive messages about unexpected prizes or problems that require immediate action, proceed with caution. Scammers may falsely claim that you owe money or have won some kind of contest.
  • Pressure Tactics: Scammers thrive on urgency. They’ll pressure you to act swiftly, often using threats or fear tactics. Take a step back and think critically before making any decisions.
  • Payment Requests: Be wary if you’re asked to pay using unconventional methods, such as gift cards or money transfer services like Zelle and Venmo. Legitimate organizations rarely demand payment in these ways.

While it’s impossible to entirely prevent scammers from reaching out to you, there are several proactive measures you can adopt to minimize the risk of falling victim to scams.

Here are five steps you can take to safeguard yourself from scams:

  • Block the Scammers: When you encounter a suspicious phone call or text message, take action to block that number. By doing so, the scammer can not continue to reach out.
  • Protect Your Personal Information: Legitimate organizations will never reach out via phone, email, or text to request sensitive details like your Social Security number, bank account, or credit card information. If you receive any communication from a company you do business with and they ask for such information, avoid clicking any links, or giving any personal information away. Instead, visit their official website or search for their phone number independently. By doing so, you can be sure you’re contacting the company directly and not relying on the number that initially contacted you.
  • Don’t Give in to Pressure: Reputable businesses will typically allow ample time for decision-making, and provide advance notice for impending due dates. If you encounter someone pressuring you to make immediate payments or divulge personal information, they are most likely a scammer.
  • Suspicious Payments Requests: Scammers intentionally avoid traceable payment methods. If someone insists that you pay using a gift card or services like Zelle or Venmo, exercise caution – they may be a scammer. Reserve these payment methods for trusted businesses, family, and friends.
  • Seek Advice: If you suspect something might be suspicious, have a conversation with your family, friends, or someone you trust before making any decisions. Talking it through with someone can help you recognize potential scams and avoid falling victim.

REMEMBER: Your security is our priority!
First New York will never call or text to ask for your member number, social security number, or any other sensitive personal information. 
If you receive a call, email, or text message requesting sensitive information, ignore the request and call our Contact Center (518)-393-1326 opt 2 to report the incident.