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You unknowingly download a type of malicious software to your computer.
This software is designed to block access to your operating system and all the information stored on your PC until you pay a sum of money to a online criminal.
Scammers typically use this information to make fraudulent wire transfers or commit identity theft. What you can do A scammer posing as technical support representative calls to claim there is an issue with your computer – for example, that your software is outdated or that you need to confirm your identity – and asks for remote access to your computer to resolve the issue.
Typically, the scammer will ask you to type a specific command to enable remote access.
Scammers require you to pay a fee to receive the prize to avoid taxes or additional fees, or may even threaten to report you to the IRS or police if you do not make the requested payment.
You meet a romantic interest on an online dating site, social network, or chat room.
You receive a call or a letter asking for donations to a charitable organization.
The "organization" may claim to benefit police, firefighters, veterans, military families, natural disaster victims, someone fighting an illness, or other recipient.
Text message: A phishing attempt via text message to a mobile device to convince recipients to share sensitive information through a reply or link to a fraudulent website.Telephone or voice: A phishing attempt made through a telephone call or voice message.Scammers have the ability to spoof caller ID so it appears that the call is coming from a legitimate company.This scam may come in the form of ads, fliers, or emails that promise income for home-based or mystery-shopping work.The "employer" may send a check with your first month’s salary or a check to purchase supplies, asking you to deposit the check and wire a portion of the money to cover the cost of your "one-time certification" or other fee.
A scammer, having already obtained your login information via a data breach or other means, impersonates a representative from your financial institution.