Elsewhere on this AgeWise site we discuss how to avoid frauds and scams that typically come by way of email or telephone calls. Examples are IRS scams, grandparent scams, and sweepstakes/lottery scams. See “Finance, Legal & Insurance” under our menu header “Practical Advice & Resources.” Social media is yet another gateway for scammers who target seniors. This grows in importance as more seniors opt to have a social media presence.
As with other fraudulent schemes, there are common-sense ways to guard against social media schemes. AARP, one of our AgeWise Providers, offers the following advice:
1. Never accept an invitation from someone you don’t recognize — or, worse, from just “Facebook User” — without a photo.
2. Be suspicious of messages on Facebook Messenger or Instagram, especially when they veer into areas where you are directed to take action or divulge personal information. This holds true even if you recognize the person or have talked with them in the past on social media platforms. If you aren’t sure who’s doing the typing, contact your real friend in another fashion (a phone call, email or text message) to confirm he or she sent the information. Chances are good that an unusual message is fake.
3. Block the person who sent you the message, and report the incident to Facebook right away from within Messenger. On the app, tap the profile photo, scroll down, and tap Block. Then tap Report to report the issue. On the desktop version, tap the Options icon(three dots), then tap Blocking in the left rail, then Edit, next to Block message. You can also send a message to Facebook at email@example.com.
4. Use common sense. Never pay for something that you know, or are being told, is free. If you must pay something to receive a grant, a gift or anything similar, it’s a scam. Fake lotteries, loans and requests for charitable donations are other pitches you may receive from your social media “friends.”
5. Watch out for distress schemes or grandparent scams arriving via text or Facebook. This is the well known scam in which a message appears to be from a relative saying the loved one needs money because of a situation they got into. When in doubt, contact the person you know outside of social media.
6. Be suspicious of attachments, whether they are sent over Facebook Messenger or in an email or text. They may contain malware. Be equally cautious with links to a website. If you accidentally click and land on a page that is supposed to look like Facebook — it may have a similar blue logo and familiar layout — you’ll see that the name of the website in the link at the top of the page is different.
7. Don’t think you can spot scams because of misspellings, awkward phrasing or bad grammar. Those used to be clues to fraud, but con artists are getting increasingly sophisticated. Some friend requests are from artificial intelligence bots, which can be difficult to detect.
8. Change your password often. Many of us are guilty of not regularly changing passwords or of using the same password for most or all online activity. While it’s less convenient, also enable two-factor authentication. That way, you’ll need not only your password to log in to Facebook or Instagram but also a one-time code sent to your mobile device to confirm that it’s really you.
9. Enable automatic updates so the operating systems on your desktop, laptop, smartphone and tablet are updated whenever software patches to vulnerabilities are released. On a related note, be sure to use software to protect against computer viruses and keep it up to date.
“Unfortunately, impostor scams are all too common, and we see older demographics targeted more frequently,” says Sachin Puri, vice president of marketing at cybersecurity firm McAfee. “In these cases, a hacker impersonates a family member to avoid the appearance of fraud; creates a fake, time-sensitive reason to need money, such as being in an accident; and asks the target for something of value.”
You also may find that swindlers will try to get you to leave Facebook Messenger, to avoid being tracked, and request that you continue the conversation over email. The messaging features on Facebook and Instagram, both owned by parent company Meta, have been able to work between the apps in addition to within each app since September 2020.
“Hackers have set up shop on social media as more people move toward social media sites like Instagram and Facebook,” Puri says. “Criminals are using social media to gather personal information and build profiles of potential victims they can target.”
“Social media scams are incredibly common and wide-ranging,” Puri says. “Scammers will try everything from impersonating fake charities, quizzes or games, coupons, prizes or even job offers, and so it’s critical to know how to spot them. Learning what these social media scams look like, understanding why scammers are moving toward social media and following steps to prevent scams … are strong ways to prevent being scammed.”
Thanks to AARP for providing the above information.