Attorney General Clark Releases Top 10 Scams of 2023

BURLINGTON, Vt. – Scam reports to the Attorney General’s Consumer Assistance Program (CAP) totaled 3,212 in 2023. The “computer tech support” scam took the number one spot on the list, totaling almost 25 percent of the top scams reported. Phishing scams involving financial institutions, where a scammer tries to lure victims into clicking malicious links or tricking them into providing sensitive information which can be used to steal money, took the number two spot, accounting for a little more than 11 percent of the top scam reports in 2023.

Top 10 Scams in Vermont, 2023: Computer Tech Support, 531; Phishing, 246; Law Enforcement Imposter, 228; Medicare Card Phishing, 210; Identity Theft, 206; Sweepstakes/Lotteries, 184; Fake Websites/Online Listings, 178; Family Emergency Imposter, 136; Deceitful Solicitations, 135; Rewards Credit, 132.

A new scam—the “rewards credit” scam—was reported to CAP for the first time in 2023, rounding out the list of top 10 scams. This scam involves an email or text message that states there are unclaimed rewards, typically earned as a reward credit in points, a gift card, or redemption coupon. The message displays as being from major retailers and includes a link to click or a number to call. When victims click on the link, they are asked to confirm their identity by giving personal information, then payment is requested for processing or shipping.

“We know that scammers have likely reached every Vermonter, often more than once. You may have received an annoying scam call or text, been lied to by a scammer, or lost money to a scam. But the good news is, we can fight scams by reporting them to the Consumer Assistance Program and spreading awareness within our communities.”

Attorney General Clark.

CAP actively updates scam prevention resources and strategies and manages the CAP Connection blog, keeping Vermonters informed about important consumer issues.

All Vermonters can help fight scams by reporting them to CAP and sharing prevention strategies in their community. To learn more about scams, visit: https://ago.vermont.gov/cap/scam-prevention-through-awareness-and-education.

The Top 10 Scams of 2023:

Top 10Scam TypeReported Totals
1Computer Tech Support531
2Phishing (Bank, etc.)246
3Law Enforcement Imposter228
4Medicare Card Phishing210
5Identity Theft206
6Sweepstakes/Lotteries184
7Fake Websites/Online Listings178
8Family Emergency Imposter136
9Deceitful Solicitations135
10Rewards Credit132
Vermont’s Top 10 Scams of 2023 Ranked in order based on number of complaints reported to the Vermont Consumer Assistance Program

Top 10 Scams of 2023 Breakdown

  1. Computer Tech Support

The scam: You receive a phone call, pop-up, email or text message on your computer claiming to be a well-known company; sometimes it’s a tech company like Norton, Apple, or Microsoft, or it’s Amazon saying your credit card has been charged, or there is a package delivery delay. They will urge you to contact them due to a problem: your electronic device has a virus, your device security subscription has been automatically renewed, or you have been charged for services you did not receive or request. You may be prompted to click a link or call a number to contact. They will try to persuade you to give remote access to your device to fix the problem, and sometimes will even ask for immediate payment for their services or have you login to your online bank account to initiate a transfer.  

How to spot the scam: Companies will not call with tech support unless you requested that they contact you. Legitimate tech support companies do not display communications to their customers as random notices or alerts on your device. Tech support will not call you to warn of security incidents, that your account has been renewed for a subscription you do not recognize and will not send you random links with instructions for you to click on URLs. If you receive a package that you do not recall ordering, check your statement history to see if you have been charged. Packages without a return address are highly suspicious.

What to do: When contacted about a supposed business relationship, take steps to verify, especially if you do not remember purchasing the products/services. Never click on links or provide remote access to your computer from an unknown sender or pop-up message on your device’s screen. If you received a pop-up message you cannot click out of, shut down, restart, or unplug your device. If you get a call from “tech support”, hang up. Also, be careful when searching for tech support online. Some users have been scammed by calling inaccurate phone numbers listed online. If you are concerned about charges made to your accounts, log in to your account directly and contact your financial institution. If you receive a package that you did not order, write “return to sender” on it and give it back to the mail carrier.

2. Phishing

The scam: You receive an email or phone call claiming to be from a bank or entity that keeps personal identifiable information (PII), like the Social Security Administration. The communication may claim that your account is in danger or has been suspended, or that your card is on hold due to suspicion activity. Emails may also include links to phony websites. Phone calls may claim that there has been fraudulent activity involving your account, and the scammers demand personal information about you and your account. 

How to spot the scam: Scammers mask their actual identity by changing the sender’s name to the name of the cloned entity. Look at the email address before opening the email. You will often find an account not affiliated with the claimed entity. Similarly, scammers can spoof phone numbers of real businesses. If you answer a call that appears to be from a company with which you maintain an account and they ask for your personal and/or account information, hang up and call the company directly on a number you trust and verify their attempt to contact you. 

What to do: Do not reply to the email or click on any links or attachments included on the message. If you receive a call, hang up the phone. Correspond with entities only using verified contact information, such as information listed on your statement.

3. Law Enforcement Imposter

The scam: You receive a phone call unexpectedly, claiming to be a police officer, sheriff, U.S. Marshall, or the U.S. Customs and Border Protection. The caller threatens arrest or legal action or says there is a warrant out against you. When you engage, urgent payment is demanded to make the problem go away. Payment does not solve the supposed problem, and they keep calling. 

How to spot the scam: Law enforcers do not warn you ahead of time about a pending warrant or arrest. Legal action follows standard due process and there is a lot of paperwork, typically delivered by mail or served in person.   

What to do: Hang up on all arrest threats and report them. Watch out for similar government imposter scams that purport to be agents of government, including from the Social Security Administration, the IRS and more.

4. Medicare Card Phishing

The scam: Scammers will call, often with a live call and from a spoofed caller ID number, and pose as Medicare representatives to gain your personal information and money. These scams are most frequent during times of open enrollment but can occur year-round. The scammers will state they need your Medicare card number or Social Security number to keep your coverage active and verify medical information. The calls may also claim that coverage is expiring or in need of renewal. Scammers will also ask if you received a “new Medicare card.”

How to spot the scam: In general, Medicare cards do not expire. Unless you have called Medicare using the 800 number on the back of your card and requested a callback, Medicare will not call you. If a phone call is required, you would receive a letter from the Social Security Administration to schedule a call. Medicare representatives will never call you in an attempt to verify your information, sell you products, tell you that your coverage is expiring, or to issue you a new card.

What to do: Never provide your Medicare number or other personal information and payment to unknown callers. In Vermont, representatives of the State Health Insurance Assistance Program (SHIP) at 1-800-642-5119 through local Area Agencies on Aging can help address Medicare questions. Other questions and concerns about Medicare coverage can be directed to Medicare at 1-800-MEDICARE.

5. Identity Theft

The scam: Your personal information is compromised and may be used for another’s financial gain. This can look like: an unauthorized charge on an account, receiving a letter about a new account opening or a data breach notification. You might stop receiving legitimate bills and other mail or start to get bills for products and services that you didn’t arrange.

How to spot the scam: Beware of communications denoting unexpected bank transactions, credit card or benefit applications. If your expected bills are not showing up, or you are receiving correspondence in someone else’s name, report it.

What to do: Don’t give out personal information, such as your Social Security number, passwords, personal identification numbers, and financial accounts. Review your credit reports at least once a year. (You can access your credit report for free). Carefully check bank account statements and benefits to verify transactions. Shred documents and expired credit cards before you throw them out. Verify security breach notification letters received on the Attorney General’s website. If your information has been stolen by an identity thief, take identity theft protection steps. You can safeguard your financial information by placing a credit freeze on your credit report.

6. Sweepstakes/Lotteries

The scam: You will be notified by phone, email, or mail that you won a prize or a quantity of money. In some cases, you will even receive a realistic-looking check – but it is fake! You are instructed to pay fees and give your financial and personal information to claim your prize. They often use a legitimate sweepstakes name, like Publishers Clearing House.

How to spot the scam: Legitimate sweepstakes and contest businesses, like Publishers Clearing House and Mega Millions lottery, will contact you in person if you win a major prize. For prizes under $10,000, the notification is done through certified mail by overnight delivery services (FedEx, UPS). They will not contact you by phone, nor require a payment or processing fee to release your prize.

What to do: If it sounds too good to be true, then it’s not true. You don’t need to pay fees to an entity, whether for processing, shipping/handling, insurance, and taxes, etc., or give your financial information in order to claim a prize.

7. Fake Websites/Online Listings

The scam: Fake websites or phony listings draw you into a purchase that is enticing. Listings may include online storefronts, Facebook Marketplace and Craigslist posts that don’t deliver after payment has been made, cheap pet sales, and websites with steep discounts. This scam can also appear in online rental listings as well as target online sellers.

How to spot the scam: Be skeptical of unrealistic offers. Watch out for requests for money in any form when not made in person. Scammers likely will not want to talk on the phone or meet in person. Heed warnings in user reviews and other online commentary.

What to do: Investigate the person/profile of the seller. If their profile is new and they have no friends and photos, they are likely a scam. Verify the website URL is the actual business’ site and not a copycat. Research new websites you are considering doing business with by looking up online reviews and business registrations, taking note of how long the company has been operating. Perform online searches of the business with “scam” and “complaints” to see if issues generate. For classified-type listings, complete your transactions in cash and preferably at a safe place in person.

8. Family Emergency/Imposter

The scam: Scammers pose to be someone you trust and pretend to be in a crisis to convince you to send them money or will ask you for a favor. These scammers pose as grandchildren, friends, relatives, and close contacts appearing to be someone you know. Scammers impersonate people you adore and play on your fears to have you send money urgently. After the initial contact, you may be redirected to a lawyer or parole officer. Sometimes the voices in the phone call sound like relatives due to scammers utilizing artificial intelligence. In person couriers may also come to retrieve funds.

How to spot the scam: Contacts come in as calls, emails, or online messages. Sometimes it’s someone you haven’t heard from in a while. They require urgency and ask for secrecy. You may be instructed not to speak to your loved one on the phone.

What to do: Take steps to verify. Check out if they really are who they say, even if they sound like a loved one. Slow down your response and contact someone you trust to verify if there is an emergency. You can also choose a “code word” with friends and family to verify the person is who they claim to be. If they don’t know the word, they are not your friend or family member. Do not give money to in person couriers.

9. Deceitful Solicitations

The scam: You receive unsolicited communication with a deceptive promotion. Unreal offers may appear to be from a known business, like Xfinity, DirecTV, or Dish Network. Solicitations may purport affiliation with a charitable cause or make low-ball offers on the sale of real estate, urging recipients to complete an enclosed one-page form contract to sign over their home.

How to spot the scam: Beware of unsolicited offers you cannot verify. Be especially weary of offers that ask you to complete the transaction quickly or in one sitting.

What to do: Hang up on unknown callers and let calls go to voicemail. When you receive mailings, take extra time to review by inspecting the details and using your personal contacts as a sounding board. Never give over your payment information or sign on the line when you don’t understand the offer or details.

10. Rewards Credit

The scam: You get an email or text message that you have unclaimed rewards, or have earned a reward credit in points, a gift card, or redemption coupon. The message displays as being from major retailers and includes a link to click or a number to call. When you do, you are asked to confirm your identity by remitting personal information, then payment is requested for processing or shipping.

How to spot the scam: Rewards points and credits are earned through a pre-established program that you would have opted into. If you are a member of a rewards program, the redemption steps are outlined within the rewards program, and you would not need to resubmit your information. Most store rewards programs are activated with basic consumer information (name/address/email/phone number). If you are not a member of a rewards program, but are receiving notices about one, it’s a scam.

What to do: Do not reply to messages or click on any links. If you believe you may be due rewards points or credits, log into your account directly or contact the program’s customer service line on a trusted number.

Scams Reported by Businesses in 2023

168 of the 3213 scams reported to the Consumer Assistance Program (CAP) were submitted by Vermont businesses.  

The 5 most common scams for businesses include: Imposters of business personnel, fake orders of goods or services, business identity theft, businesses phone numbers being hijacked or spoofed, and phishing emails contacting businesses.

The top scam for businesses to look out for is the Imposter of Business Personnel aka the Business Email Imposter Scam:

The scam: Scammers impersonate employees or familiar business representatives’ emails and contact company bookkeepers and office administrators asking them to change bank account information, direct deposit information, or asking them to write checks. By impersonating an employee’s email address or creating a fake personal email for the employee, scammers can steal money from businesses and steal paychecks from employees.

How to spot: Scammers will use an email address that only slightly varies from an employee’s true email and can be difficult to spot when using a mobile device. Be suspicious of emails coming from outside your company’s domain. The sender will refuse to connect on a live call due to being preoccupied (in a meeting, no cell service, very busy).

What to do: Vermont businesses and non-profits should always verify email addresses and speak directly with an employee or business representative in person or via phone when sending money or changing payment information. CAP urges business owners to educate their entire company on scams that target businesses.

To learn more about how to protect your business from these scams, watch CAP’s Avoiding the Business Imposter Email Scam Video  and visit the CAP Connections blog post on Vermont Business Imposter Email Scams Are on the Rise.

CAP encourages businesses in Vermont to take the following steps to help prevent scams:

Train Your Employees: Your best defense is an informed workforce.

Verify Invoices and Payments: Check all invoices closely. Never pay unless you know the bill is for items that were actually ordered and delivered. Tell your staff to do the same.

Be Tech-Savvy: Don’t believe your caller ID. Imposters often fake caller ID information so you’ll be more likely to believe them when they claim to be a government agency or a vendor you trust.

Know Who You’re Dealing With: Never send money to parties you cannot verify. Check registration history, recommendations, and confirm contacts by calling. Before doing business with a new company, search the company’s name online with the term “scam” or “complaint.”

Vermont Flood Recovery: Beware of Scams and Price Gouging

Due to the extreme rainfall and flooding across the state, the White House issued a state of emergency for Vermont, which authorizes FEMA to support impacted Vermont counties in recovery efforts. Unfortunately, scammers take advantage of people’s heightened emotional state following disasters, and the Vermont Consumer Assistance Program wants you to be aware of targeted disaster relief scams to avoid while our communities recover from the flooding.

As we recover: Avoid Scams - Phony Charities, Government (FEMA) Relief, Dubious Contractors

Government imposter relief scams may claim to be FEMA or the State of Vermont. FEMA scams manifest as fraudulent inspectors that request fees for service, or administrative personnel that call to “verify” your information but are phishing for your personal information. Such relief help scams may even claim they can speed up your FEMA relief application for a fee.

Avoid this scam:  Connect with FEMA directly online: https://www.fema.gov/disaster/3595 and continue to follow updates from the Vermont’s congressional delegation, the Governor and Vermont Emergency Management.

Phony charities that solicit funds claiming to support recovery efforts. The Vermont way is to help our neighbors. We all want to help, whether it is through volunteering or donating money. Sadly, scammers use the same contact methods as legitimate charities (phone, online, mail).

Avoid this scam:  Please only give to valid charities that you have thoroughly researched and vetted. Use tools like the Better Business Bureau’s Wise Giving Alliance and Charity Navigator to research charities before you donate.

Dubious contractors may appear with promises to restore damages immediately in exchange for immediate payment. Such contractors urge you to act fast, may offer lower prices, and do not have credentials—though they might say they are “registered and insured,” these are unverified statements.

Avoid this scam: Vermonters must be extra critical about hiring home improvement contractors. Never pay in full upfront for a home improvement project. Make sure you have a contract. Check residential contractor registration status with the VT Office of Professional Regulation in the Secretary of State.

Please watch out for these scams and report businesses that set unconscionable price hikes on essential items, like bottled water. If you experience this practice, please report instances of price gouging to the Consumer Assistance Program by phone at 800-649-2424 or online at ago.vermont.gov/cap

More: The Vermont Attorney General’s Office flood resources page: https://ago.vermont.gov/flood-resources and the Federal Trade Commission on spotting and avoiding post-disaster scams: https://consumer.ftc.gov/consumer-alerts/2023/07/how-spot-and-avoid-post-disaster-scams-northeast

Help Stop Scams Now!

Closing out National Consumer Protection week, a week dedicated to understanding consumer rights and avoiding scams, it is fitting to highlight the Stopping Scams Together initiative announced this week by the Vermont Attorney General. The effort encourages our community of Vermonters to identify scams and share success stories of stopping scams together. Many Vermont partners and individuals are already doing the work to understand scams so that they can help in the prevention effort.  

Stopping Scams Together - #StopScamsVT - With trophy graphic on blue-green background
Share stopping scams stories on social.

You can help stop scams by learning about scams and sharing information with your community. To start learning about scams today, visit our blog, sign up for scam alerts, connect on social media (Facebook, Twitter, Instagram, YouTube), watch and share our imposter scam prevention videos, and practice the SLOW method in all consumer transactions. Visit the Scam Prevention Through Awareness and Education page for detailed scam prevention strategies.  

Are you, or do you know someone who has a stopping scams story? Share your story and your good news of stopping a scam today. Learn more on the Stop Scams VT webpage. There you can access a stopping scams graphic that you can use when sharing your stopping scams stories. Or, we will she your story for you, if you fill out our intake form

To keep Vermont safe from scams, we must continue to work together. 

Is it amour or time for armor?

By Crystal Baldwin

There are perfect matches online, and there are scammers. How can a person tell the difference when online profiles of scammers can be just as good as, if not better than, profiles of existing people? Scams that prey on trust and deceive through relationships of confidence and romance are among the most heart wrenching. How can you look for love online, while keeping your heart protected?

Armor Your Heart: Verify identity with image search, ask for pics w/ unlikely poses, video chat on your terms, Seek advice from friends. AVOID: Contacts with lots of excuses, Requests for money and account info.
Armor your heart. Be romance scam smart.

Armor your heart by using verification strategies:

Verify the person’s identity:

  • Using image search, you can see how frequently a photo occurs elsewhere online and in different profiles
  • Ask contacts what they think
  • Ask photo poses with very specific uncommon photos
  • Video chat on your terms and don’t accept excuses of having slow internet

Armor your heart by knowing the signs of a scammer:

  • Refuses to provide additional photos
  • Refuses to chat through webcam
  • Is difficult to reach by phone, or prohibited from calling
  • Has excuses as to why you can’t meet
  • Needs money, or financial support of any nature, including a business venture
  • Wants to “strengthen the relationship” by sharing personal identifiable information (accounts, passwords, credit cards, and more) or opening lines of credit together

You can find love online and avoid scams. Before looking for love online, armor your heart by visiting our romance scam prevention site: https://ago.vermont.gov/cap/scam-prevention-through-awareness-and-education/romance-imposter-scams

We created videos and tools to help you identify online romance scams.

If you or someone you know has encountered a scam in Vermont, report it. Use CAP’s online scam reporting form and visit the our scam recovery webpage.  

Help us stop these scams by sharing this information with those you care about. 

Top 10 Scams of 2023 Released by Attorney General’s Office

BURLINGTON, VT – Reports of scams to the Attorney General’s Consumer Assistance Program totaled 3,685 in 2022. In keeping with the previous year’s trend, a scam claiming that an unauthorized order was placed, or a package is pending delivery, sometimes naming Amazon, took the number one spot on the list, totaling 19 percent of the top scams reported to the Consumer Assistance Program. Following closely behind in the number two spot was the computer tech support scam, where a scam tech company reaches out about concerning viruses or problems with antivirus services, accounting for 18 percent of the top scam reports in 2022.

Vermont's Tope 10 Scams of 2022: Unauthorized order/package delivery, 19%; Computer Tech Support, 18%; Sweepstakes/Lotteries, 14%; Law Enforcement Imposter, 8%; Family Emergency Imposter, 8%; Fake Websites/Online Listings, 8%; Debt Collection, 7%; Deceitful Solicitation, 7%; Identity Theft, 6%; Medicare Card Phishing, 5%.
Vermont’s Top 10 Scams Reported in 2022 by percentage of the Top 10.

The family emergency imposter scam notably climbed the list from number nine to number five in 2022. Within this category, the grandchild imposter scam, where a grandparent receives a call from a scammer claiming to be a distressed grandchild, resulted in 104 scam reports. In May, the Consumer Assistance Program issued a VT Scam Alert to warn Vermonters about the influx of this scam. Again in June, this category of scam gained attention due to scammers demanding cash be handed over to in-person couriers. In an effort to reduce the impact of this troubling scam, the Consumer Assistance Program produced the Avoiding the Family Emergency Scam video as part of the Imposter Scam Prevention Project education campaign.

The most significant development in 2022’s top 10 list was not the emergence of a new scam, but the disappearance of an old one. For the first time in four years, the Social Security phishing scam fell from the top 10 list. This scam, where you receive a phone call, often a robocall, stating there has been criminal or fraudulent activity involving your Social Security number, accounted for only 2 percent of the top scam reports in 2022. The year prior, it was the second most reported scam.

Potential causes for this drop, and an overall decrease in scam reports by 28 percent in 2022 from the previous year’s 5,154 reported, could be linked to an overall reduction in robocalls coming into Vermont.

YouMail’s Robocall Index shows that robocalls in Vermont deceased by 10 percent, or 5.5 million calls, from 2021 to 2022. At the same time, the Attorney General’s Robocall Enforcement Team targeted the Social Security phishing scam by suing TCA VoIP, a California-based telecommunications company that sent thousands—if not millions—of fraudulent robocalls to Vermont residents. The settlement, finalized in December, required TCA VOIP to close its doors and pay a $37,500 financial penalty.

“Scams affect us all—whether you’ve received an annoying scam call or text, been lied to by a scammer, or lost money to a scam. Together, we can fight scams by reporting them to the Consumer Assistance Program and spreading awareness within our communities. My office helps Vermonters through the Consumer Assistance Program, and we will continue to hold companies that profit from scams accountable,” said Attorney General Charity Clark.

The Consumer Assistance Program actively updates scam prevention resources and strategies and manages the CAP Connection blog, keeping Vermonters informed about important consumer issues.

All Vermonters can help join the fight against fraud by learning about scams, scam reporting, and sharing prevention strategies in community. To learn more about scams, go to our website: https://ago.vermont.gov/cap/scam-prevention-through-awareness-and-education.

The Top 10 Scams of 2022:

  1. Unauthorized Order/Package Delivery
  2. Computer Tech Support
  3. Sweepstakes/Lotteries
  4. Law Enforcement Imposter
  5. Family Emergency Imposter
  6. Fake Websites/Online Listings
  7. Debt Collection
  8. Deceitful Solicitations
  9. Identity Theft
  10. Medicare Card Phishing

The scam: You receive an automated phone call, text message, or email claiming that you have been charged for an online order, have an outstanding balance on your account, or are sent an item you did not order. The scammer then instructs you to call a number provided in the scammer’s communications to get a refund or to resolve the charge. At this point, they will ask you to provide your card number to “confirm your account” or prompt you to provide them remote access to your computer. As soon as the scammer has remote access to your device, they can access every single document, file, and transaction you have saved to your device.   

How to spot the scam: Companies will not call with tech support unless you requested that they contact you. If you receive a package that you do not recall ordering, check your statement history to see if you have been charged. Packages without a return address are highly suspicious.

What to do: Hang up the phone immediately and do not call back. If you receive an email or text regarding a package delivery or order that has been made, do not click on any links. Mark the email as “Junk” or “Spam”. Furthermore, never allow remote access to your devices to unknown parties. If you are concerned about charges made to your accounts, log in to your account directly and contact your financial institution. If you receive a package that you did not order, mark it return to sender and give it back to the mail carrier.

The scam: You receive a phone call, pop-up, or email on your computer claiming to be from Norton, Microsoft, Apple, or another well-known tech company. They will make claims such as your electronic device has a virus; your device security subscription has been automatically renewed; or state you have been charged for services you did not receive or ask for. You may be prompted to click a link or call a number to contact. They will try to persuade you to give remote access to your device to fix the issue, and sometimes will even ask for immediate payment for their services.  

How to spot the scam: Legitimate tech support companies do not display communications to their customers as random pop-ups on your device. Tech support will not call you to warn of security incidents, that your account has been renewed for a subscription you do not recognize, and will not send you random links, often shortened, with instructions for you to click on URLs. 

What to do: When contacted about a supposed business relationship, take steps to verify, especially if you do not remember signing up for services. Never click on links or provide remote access to your computer from an unknown email sender or pop-up message on your device’s screen. If you received a pop-up message you cannot click out of, shut down, restart, or unplug your device. If you get a call from “tech support”, hang up. Also, be careful when searching for tech support online. Some users have been scammed by calling inaccurate phone numbers listed online.

The scam: You will be notified by phone, email, or mail that you won a prize or a quantity of money. In some cases, you will even receive a realistic-looking check – but it is fake! You are instructed to pay fees and give your financial and personal information to claim your prize. They often use a legitimate sweepstakes name, like Publishers Clearing House.

How to spot the scam: Legitimate sweepstakes and contest businesses, like Publishers Clearing House and Mega Millions lottery, will contact you in person if you win a major prize. For prizes under $10,000, the notification is done through certified mail by overnight delivery services (FedEx, UPS). They will not contact you by phone, nor require a payment or processing fee to release your prize.

What to do: If it sounds too good to be true, then it’s not true. You don’t need to pay fees or give your financial information in order to claim a prize.

  • Law Enforcement Imposter

The scam: You receive a phone call unexpectedly, claiming to be a police officer, U.S. Marshall, or U.S. Customs and Border Protection. The caller threatens arrest or legal action. When you engage, urgent payment is demanded to make the problem go away. Payment does not solve the supposed problem, and they keep calling. 

How to spot the scam: The police would not warn you ahead of time about a pending warrant or arrest. Using such threatening tactics intend to spike your emotional response.  

What to do: Hang up on all arrest threats and report them. Watch out for similar government imposter scams that purport to be agents of government, including from the Social Security Administration, the Department for Children and Families, the IRS and more.

The scam: Scammers pose to be someone you trust and pretend to be in an emergency to convince you to send them money or will ask you for a favor. These scammers pose as grandchildren, friends, relatives, and close contacts appearing to be someone you know. Scammers impersonate people you love and play on your fears to have you send money urgently. After the initial call, you may be told a lawyer, parole officer or courtroom may contact you for further information.

How to spot the scam: Contacts come in as calls, emails, or online messages. Sometimes it’s someone you haven’t heard from in a while. They require urgency and ask for secrecy. You may be instructed not to speak to your loved one on the phone.

What to do: Take steps to verify. Check out if they really are who they say, even if they sound like a loved one. Slow down your response and contact someone you trust to verify if there is an emergency. You can also choose a “code word” with friends and family to verify the person is who they claim to be. If they don’t know the word, they are not your friend or family member.

The scam: Fake websites or phony listings draw you into a purchase that’s likely too good to be true. Listings may include Facebook Marketplace and Craigslist posts that don’t deliver after payment has been made, cheap pet sales, and websites with steep discounts. This scam can also appear in online rental listings as well as target online sellers.

How to spot the scam: Be skeptical of unrealistic offers. Watch out for requests for money in any form (gift cards, wire transfers, cash) when not made in person. Scammers likely will not want to talk on the phone or meet in person. Heed warnings in user reviews and other online commentary.

What to do: Investigate the person/profile of the seller. If their profile is new and they have no friends and photos, they are likely a scam. Research new websites you are considering doing business with by looking up online reviews and state business registrations, taking note of how long the company has been operating. Perform online searches of the business with “scam” and “complaints” to see if issues generate. Complete your transactions in cash and preferably a safe place in-person.

  • Debt Collection

The scam: Scammers pose as debt collectors and require immediate payment. They may claim to be familiar businesses and threaten utility disconnection or legal action.

How to spot the scam: Collectors are not allowed to threaten you with arrest over debts owed. You can request verification of the debt, which must be sent to you in writing. If you ask them to stop calling you, they are generally required to stop.

What to do: Hang up the phone, and if they call again, let the call go to voicemail. If you think you do actually owe money to a debt collector or other agency, make sure to use trusted contact information when communicating with them. You can also contact the originator of the debt to see if they sold the debt to a debt collection agency, and request they provide you with the name of the debt collector who took on the debt.

  • Deceitful Solicitations

The scam: You receive unsolicited communication with a deceptive promotion. Offers may appear to be from a known business, like Xfinity or DirecTV, and extend unreal offers. Solicitations may purport affiliation with a charitable cause or make low-ball offers on the sale of real estate, urging recipients to complete an enclosed one-page form contract to sign over their home.

How to spot the scam: Beware of unsolicited offers you cannot verify. Be especially weary of offers that ask you to complete the transaction in one sitting.

What to do: Hang up on unknown callers and let calls go to voicemail. When you receive mailings, take extra time to reply by inspecting the details and using your personal contacts as a sounding board. Never give over your payment information or sign on the line when you don’t understand the offer or details.

The scam: Your personal information is compromised and used for another’s financial gain. This can look like receiving a letter about a new account opening, or the discontinuance of bills. You might stop receiving legitimate bills and other mail or start to get bills for products and services that you didn’t arrange.

How to spot the scam: Beware of communications denoting unexpected bank transactions, credit card or benefit applications. If your expected bills are not showing up, or you are receiving correspondence in someone else’s name, report it.

What to do: Don’t give out personal information, such as your Social Security number, passwords, personal identification numbers, and financial accounts. Review your credit reports at least once a year. (You can access your credit report for free). Carefully check bank account statements and benefits to verify transactions. Shred documents and expired credit cards before you throw them out. Verify security breach notification letters received on the Attorney General’s website. If your information has been stolen by an identity thief, take identity theft protection steps.

The scam: Scammers will call, often with a live call and from a spoofed caller ID number, and pose as Medicare representatives to gain your personal information and money. These scams are most frequent during times of open enrollment but can occur year-round. The scammers will state they need your Medicare card number or Social Security number to keep your coverage active and verify medical information. The calls may also claim that coverage is expiring or in need of renewal. Scammers will also ask if you received a “new Medicare card.”

How to spot the scam: In general, Medicare cards do not expire. Unless you have called Medicare using the 800 number on the back of your card and requested a callback, Medicare will not call you. If a phone call is required, you would receive a letter from the Social Security Administration to schedule a call. Medicare representatives will never call you in an attempt to verify your information, sell you products, tell you that your coverage is expiring, or to issue you a new card.

What to do: Never provide your Medicare number or other personal information and payment to unknown callers. In Vermont, representatives of the State Health Insurance Assistance Program (SHIP) at 1-800-642-5119 through local Area Agencies on Aging can help address Medicare questions. Other questions and concerns about Medicare coverage can be directed to Medicare at 1-800-MEDICARE.