Have you ever received a chilling voicemail claiming a “complaint has been filed against you”? The urgency, the vagueness – it’s enough to send shivers down anyone’s spine. But before you hit that callback button, take a deep breath. It’s highly likely you’ve encountered a common scam tactic.
Understanding the Scam
The Initial Contact
The scam typically starts with a voicemail, but it’s not uncommon to receive a direct call. The message or caller often claims to be from a legal or government agency, adding a layer of perceived legitimacy. They may use terms like “complaint,” “lawsuit,” or “legal action” to create a sense of urgency.
The Threat
The message usually contains a threat or warning, implying that failure to respond will lead to further legal complications or financial penalties. This is a classic scare tactic, aiming to rush you into making a hasty decision without giving you time to think or consult others.
The Ask
If you engage, the scammer may ask for personal information, such as your Social Security number, date of birth, or even financial details. Alternatively, they might demand immediate payment, often through untraceable means like gift cards or wire transfers.
Red Flags to Watch Out For
- Immediate Threats: Real legal or government agencies do not make threats over the phone or demand immediate action without proper notification. Legitimate legal actions are typically initiated through official, traceable channels, often in person, and not through unsolicited phone calls or voicemails.
- Vague Details: Scammers often have little to no specific information about the alleged complaint. They rely on your fear to fill in the gaps.
- Unconventional Payment Methods: No legitimate entity will ask for payments via gift cards, cryptocurrency, or wire transfers as a form of settling legal disputes.
- Pressure to Act Quickly: Scammers want to prevent you from having the time to think critically or consult a professional.
How to Protect Yourself
- Do Not Engage: If you receive such a call or voicemail, do not call back or provide any personal information.
- Verify the Claim: If you’re concerned, contact the agency or company the caller claims to be from using official contact information from their website, not the number provided in the message.
- Secure Your Information: Regularly monitor your bank statements and credit reports for any unusual activity.