Scammers are smartening up
It appears that there is a new scam circulating every day, and Social Security is one of the favourites. With everyone banking and providing personal details using technology, this creates an opportunity for scammers, as a single click on the wrong link or a quick response to a fraudulent message can lead to serious consequences.
The Social Security Administration (SSA) knows how serious this problem is and has been warning Americans to stay alert. The golden rule: if you’re not sure about a message or call, don’t respond—contact the agency or your bank directly.
Tricky text messages
One of the most straightforward methods con artists use to approach people these days is through text messages. If you get a random text from a number you don’t know—especially if it’s more than 10 digits long—watch out. Texts with “urgent action required” or “click here immediately” language are almost always a scam.
The ultimate solution? Delete the message right away. Most phones and apps also allow you to block numbers so you won’t be bothered again.
Phone calls and spoofed voicemails
Scam calls exist, but have become more sophisticated. The majority are robocalls or even voicemails purporting to be the government, an insurance company, or your bank. Robocalls can have an authoritative-sounding voice, and the message may have threatening language about halting your Social Security benefits.
This is the truth: the SSA will never ever call you unexpectedly and ask for your Social Security number, bank account details, or personal information. If someone on the phone demands that, it’s a scam. Hang up and, if you are worried, call the SSA official number yourself to check.
Phishing emails
Email scam, also referred to as phishing, is another large fraud weapon. They will send something that is purportedly from UPS, your bank, or even a government agency. The email can state that you missed a delivery or that your account is “suspended”.
If you don’t recall making a purchase or the email address is creepy-looking, erase it. Most email providers include a “Report Phishing” option too—use that. The more quickly you report these scams, the harder it will be to trick other people.
Social media scams on the rise
Now scammers have heavily invested in social media. They can replicate your friend’s profile photo, open a false account, and text you in a manner that looks like it’s from a familiar person. In most cases, they’ll link you to a promotion of lottery winnings, jobs, or emergency aid.
Don’t get taken. If a message or e-mail from a so-called “friend” seems suspicious, call them up and check. Facebook and Instagram also allow you to report impostor accounts. This shields not just you but also keeps scammers from taking advantage of other people.
Protecting yourself and your information
Scammers cash in on fear and panic. They want you to rush so that you don’t get time to think. That’s why the most powerful thing you can do is step back. Double-check before sharing, responding, or clicking.
And don’t forget this one: authentic organisations like the SSA, banks, and insurance firms will never request your Social Security number, full account number, or passwords by phone, text, or email.
Stay a step ahead
Social Security scams aren’t going anywhere anytime soon, but you can stay ahead. Use the tools that are at your disposal—blocking numbers, reporting phishing emails, and flagging imposter social media accounts. Being wary not only protects your money, but it also protects your peace of mind.
The SSA stated it loud and clear: awareness is the best defence against scammers. If it sounds too good to be true, believe your instincts. Always it’s better to delete, hang up, or check with the real source directly.
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