Fraud can happen to anyone. Take steps to protect yourself.
Online fraud may be the latest way to scam people, but it is not the only approach that is used. (CNW Group/Financial Consumer Agency of Canada)
Financial Consumer Agency of Canada offers tips to help Canadian consumers
OTTAWA, March 2, 2012 /CNW/ - Fraudsters have discovered new ways to steal money and information thanks to the popularity of social networking sites, unsecured public Internet access points and online activities like shopping, buying and selling, dating and gaming. Online fraud may be the latest way to scam people, but it is not the only approach that is used.
"The best way to avoid becoming a victim of fraud is to protect your personal and financial information at all times. Whether you're at home, in a public place, on the phone or online, keep in mind that someone could steal personal information if it is not properly protected," says Ursula Menke, Commissioner of the Financial Consumer Agency of Canada (FCAC). "Fraud can be committed by anyone—someone close to you, someone in your community, or a distant stranger," she added.
Fraud: recognize it, report it, stop it.
FCAC has produced a number of tip sheets and online information dealing with fraud that can help you identify it and protect yourself from it. You can also find the steps to take if you have become a victim of fraud.
- Never provide your personal or financial information unless you trust the person you are communicating with. Some fraudsters pretend to be from reputable organizations in order to get the details they need.
- Keep your personal information in a secure place and dispose of it by shredding it.
- Never email your personal or financial information.
- Be very wary of clicking on links included in emails, because they may lead to fraudulent websites pretending to be legitimate. Instead, enter the website address of the organization you are looking for in the address bar of your browser yourself.
- Before entering any personal or financial information, look for websites with addresses starting with "https" or that have a padlock image in the address bar. This will indicate that the information entered on these pages is secure.
- Keep your computer antivirus, firewall and spyware software up to date.
- Regularly check your accounts and statements for any suspicious or incorrect activity and report it immediately to your financial institution.
If you become a victim:
- Don't be embarrassed to report it. Fraud can happen to anyone.
- Start a written log: write down when you noticed the fraud and the actions you took, including names of people you spoke to and dates of communications.
- File a report with your local police.
- Contact your financial institutions and any other companies (for example, your phone company, cable provider, etc.) where your accounts were tampered with, or are at risk of being tampered with.
- Advise Canada's two credit rating agencies, TransUnion and Equifax. Ask them to put a fraud alert on your file.
- Contact the Canadian Anti-Fraud Centre's national anti-fraud call centre at 1-888-495-8501 or by email at: firstname.lastname@example.org.
Building consumer confidence
More information about fraud is available on FCAC's website. There are tip sheets on how to protect yourself from different types of fraud, including identity fraud, debit card fraud, credit card fraud, email and phone fraud and real estate fraud. The Online Fraud page includes tips on how to prevent identity theft and fraud when using public wireless Internet access and social networking sites. If you are looking to rent or buy a home, you might be interested to learn more about spotting housing frauds and scams. Job seekers should watch out for employment fraud.
With educational materials and interactive tools, the Financial Consumer Agency of Canada (FCAC) provides objective information about financial products and services to help Canadians increase their financial knowledge and confidence in managing their personal finances. FCAC informs consumers about their rights and responsibilities when dealing with banks and federally regulated trust, loan and insurance companies. FCAC also makes sure that federally regulated financial institutions, payment card network operators and external complaints bodies comply with legislation and industry commitments intended to protect consumers.
You can reach us through the FCAC Consumer Services Centre by calling toll-free 1-866-461-3222 (TTY: 613-947-7771 or 1-866-914-6097) or by visiting our website: fcac.gc.ca.
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