安全
常见的诈骗和欺诈
这些都是常见欺诈计划的例子
(not necessarily experienced by 直接金融 members).
彩票中奖骗局
通常通过电子邮件或邮政邮件发起, a letter is sent by the scammer stating that you have won a lottery. 在信中, there’s often instructions asking you to send funds and/or your bank account information, 支付处理费用, 税, and other miscellaneous fees in order to receive your winnings. 任何合法的彩票都不会要求付款或银行账户信息来接收您的奖金. 欲知详情，请浏览以下联邦贸易委员会网页: http://www.consumer.ftc.gov/articles/fake-prize-sweepstakes-and-lottery-scams
关于您帐户的欺诈性通知
你会收到一封邮件, phone call or 文本 message informing you that fraud has been detected on your account. This communication may even appear to come from your own financial institution. 你被要求提供信息, 通常是信用卡号或登录凭证, to resolve the supposed fraud or to prevent the account from being closed.
冒充家人或朋友
Generally done by phone, the fraudster takes advantage of your desire to be helpful. 在一个常见的版本中, you receive a call telling you that your grandchild is in trouble and needs financial help, sometimes with further explanation that they have been in an accident or arrested. 骗子要求你提取一大笔现金，并声明你不能告诉任何人这件事, 否则这个家庭成员可能会惹上更多麻烦. 骗子可能会要求你购买礼品卡, 通过西联汇款汇款, or arrange for a local fraudster to pick up the funds from your house.
Impersonation of Law Enforcement or 政府机构
通常通过电话来完成, 骗子会假装是社会保障局等政府机构的人给你打电话, 美国国税局, 甚至是医疗保险. 他们经常威胁说，如果你不提供你的个人信息或提供他们要求的东西，就会发生不好的事情. Your caller ID may even say the call is from the 政府ernment, but caller ID can be faked. 诈骗者还可能冒充执法人员, 比如FBI, 威胁说，如果你不提供个人信息或不给他们寄钱，你可能会被逮捕. 任何政府机构或执法人员都不会在电话中要求你提供个人信息或要求你给他们寄钱! 有关详情，请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/articles/how-avoid-government-impersonator-scam
虚假病毒警告或“恐吓软件”
You see a pop-up message on your computer that tells you your computer has a virus. The message may look similar to legitimate anti-virus software messages. 在某些情况下, the fraudster is trying to sell you bogus security software that does little or nothing. 在其他情况下, this fraud may involve illegitimately capturing credit card information, or installing malicious software such as a keystroke logging program. 如果您单击接受下载, 你很可能允许安装恶意软件，并把电脑的控制权交给骗子.
商业冒充骗局
The scammer will contact their victims via phone call, 电子邮件, 或发短信，伪装成来自亚马逊或诺顿杀毒软件等知名企业的人. 骗子通常会说你的账户有问题，或者你没有购买的东西已经收费了. 他们将要求您立即联系他们以纠正问题，届时他们也可能要求访问您的设备以处理退款. 一旦他们进入了你的设备, 他们要求您登录您的网上银行，在此过程中，他们正在窃取您的登录凭据/访问您的帐户和帐户信息. 有关详情，请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/articles/how-spot-avoid-and-report-tech-support-scams
就业的骗局
Scammers advertise jobs the same way legitimate employers do — online (in ads, 在工作现场, 和社交媒体). They promise you a job, but what they want is your money and your personal information. They will often send you a check and ask you to purchase equipment or material for the job. They may also ask you to purchase gift cards with the funds. 没有一个合法的潜在雇主会给你一张支票，然后让你把其中的一部分寄出去，或者用它买礼品卡. The check will bounce, and the bank will want you to repay the amount of the fake check. 有关详情，请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/articles/job-scams
假支票/超额付款骗局
A scammer will contact their victim via an online sales ad, such as an ad on Craigslist or 脸谱网 Marketplace, 要求购买该物品. 骗子会寄给受害者一张金额超过约定购买价格的支票，并要求受害者立即将超出的部分寄回给他们. The check gets returned and the victim is left to cover the loss. 有关详情，请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/features/fake-check-scams