Beware of Robocalls, Texts and Emails Promising COVID-19 Cures or Stimulus Payments - AARP

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Scams & Fraud
Scams & Fraud

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En español | The COVID-19 pandemic has been accompanied by a parallel outbreak of coronavirus scams, many targeting older Americans.
As of Dec. 2, the Federal Trade Commission (FTC) had logged nearly 647,000 consumer complaints related to COVID-19 and stimulus payments, 73 percent of them involving fraud or identity theft. These scams have cost consumers $627 million, with a median loss of $400.
Criminals are using the full suite of scam tools — phishing emails and texts, bogus social media postsrobocalls, impostor schemes and more — and closely following the headlines, adapting their messages and tactics as new medical and economic issues arise.
For example, with more companies requiring employees to get COVID-19 shots, cybersecurity firm Proofpoint reports that scammers are sending out phishing emails purporting to be from human resources departments, requesting workers’ proof of vaccination. Links in the message direct targets to a fake sign-in page where the crooks can harvest log-in credentials.

Here are some coronavirus scams to look out for.

Since the start of the pandemic, fraudsters have been bombarding consumers with pitches for phony remedies, and that’s unlikely to abate even with COVID-19 vaccines now widely available.
The Department of Health and Human Services (HHS) says consumers should be on the lookout for these signs of vaccine scams:
The FTC and the U.S. Food and Drug Administration (FDA) have sent dozens of warnings to companies selling unapproved products they claim can cure or prevent COVID-19. Teas, essential oils, cannabinol, colloidol silver and intravenous vitamin-C therapies are among supposed antiviral treatments hawked in clinics and on websites, social media and television shows as defenses against the pandemic.
The FBI says con artists are advertising fake COVID-19 antibody tests in hopes of harvesting personal information they can use in identity theft or health insurance scams.
Other scammers claim to be selling or offering protective or preventative products such as masks, test kits and household cleaners, often in robocalls, texts or social media ads. The FTC has issued warnings to companies suspected of abetting coronavirus robocalls, and the Federal Communications Commission (FCC) set up a dedicated website with information on COVID-19 phone scams.

Financial phonies

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The three economic relief packages passed by Congress since the start of the pandemic, delivering stimulus checks, enhanced unemployment benefits and other assistance to tens of millions of Americans, unleashed a torrent of schemes to steal aid payments. The FTC warned of a fresh wave of stimulus scams in the second half of 2021 as the government sends out advance child tax credit payments to millions of eligible families as part of the $1.9 trillion American Rescue Plan Act.
Watch out for calls, texts or emails, purportedly from the Internal Revenue Service (IRS) and other government agencies, that instruct you to click a link, pay a fee or "confirm" personal data like your Social Security number to secure your stimulus check. The IRS, which is distributing the payments, says it received a record number of reports of stimulus scams in June and July 2021. Another common con comes via social media, in scam Facebook messages promising to get you "COVID-19 relief grants."
With economic anxiety high, crooks are also impersonating banks and lenders, offering bogus help with bills, credit card debt or student loan forgiveness. Small businesses are being targeted, too, with scammers reaching out to owners with phony promises to help them secure federal disaster loans or improve Google search results. 
The pandemic has also spawned stock scams. The U.S. Securities and Exchange Commission warned investors about con artists touting investments in companies with products that supposedly can prevent, detect or cure COVID-19. Buy those stocks now, the tipsters say, and they will soar in price.

It’s a classic penny-stock fraud called “pump and dump.” The con artists have already bought the stocks, typically for a dollar or less. As the hype grows and the stock price increases, they dump the stock, saddling other investors with big losses.
Phishing, smishing and related scams reported to the FBI’s Internet Crime Complaint Center more than doubled in 2020 compared to the previous year, making up a big part of what the bureau called a pandemic-fueled "internet crime spree."
In addition, cybercrooks registered tens of thousands of COVID-related spoof web domains in the first year of the pandemic, according to a March 2021 report by Palo Alto Networks, a cybersecurity company. The Justice Department has shut down hundreds of these suspect sites, which promise access to personal protective equipment, relief payments, vaccines and other aid, often in the guise of government agencies or humanitarian organizations.
If you contact one of those malicious domains, you could start getting phishing emails from fraudsters in an attempt to get personal information from you directly, or to plant malware that digs into personal files on your computer, looking for passwords and other private data for purposes of identity theft.
The Department of Justice issued an alert about phishing emails and text messages disguised as surveys about COVID-19 vaccines, purportedly sent out by shot producers Pfizer, Moderna and AstraZeneca and promising a "free" reward if you provide bank or credit card information to cover a small fee. Officials in states that held vaccine lotteries warned of phony calls, texts and emails claiming you’ve won a big cash award for getting your jab and seeking a Social Security number or bank account data to process the prize.
Scammers are also impersonating Federal Emergency Management Agency (FEMA) officials in texts, calls and emails, seeking personal information to "register" people for a federal program to help cover funeral expenses for victims of COVID-19, according to a June 2021 Better Business Bureau alert. The program is real, but any unsolicited contact about it is fake; FEMA says it only reaches out to people who have already contacted the agency about funeral aid.
Editor’s note: This article was published on March 9, 2020. It is being updated regularly with information on new coronavirus scams, law-enforcement actions and fraud statistics from the FTC.

Sources: FTC, FCC, FBI, SEC
AARP’s Fraud Watch Network can help you spot and avoid scams. Sign up for free Watchdog Alerts, review our scam-tracking map, or call our toll-free fraud helpline at 877-908-3360 if you or a loved one suspect you’ve been a victim.
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