Be skeptical and know what to look for.
There are plenty of essays and podcasts discussing scams that trick people out of scary amounts of money.
When AI enters the picture, it only gets worse. The risk and danger are higher than ever.
The best defense? Well, besides a healthy dose of skepticism, it’s education: knowing what to look for.
Here’s a summary of a more extensive list of scams from the FBI.
Protect yourself from AI scams
AI can fake text, photos, voices, and videos to trick you out of money. Stay safe by doubting what you see. Be skeptical! Watch for urgency, pressure, and odd payment requests like gift cards (or even gold!). Always confirm who you are talking to. If you get scammed, report it and tell others.
AI and Fraud
Criminals use AI to make scams more believable and reach more victims. Even if things look legit, they may not be. This is important to stay aware of!
Fake text. AI is used to create fake messages for phishing emails, romance scams, investment fraud, and more. It’s used to make fake websites and social media profiles look real. Even if the usual red flags of poor spelling and grammar are missing, that doesn’t mean the text you’re reading is legitimate.
Fake images. AI can create realistic photos used for social media, fake IDs, or other scams. Scammers use fake photos to get donations, blackmail people, or legitimize other types of scams. “Seeing is believing” is no longer true.
Fake voices. Using a technique called audio cloning, scammers use AI to mimic voices to sound like loved ones or famous people to trick you into sending or spending money. This is often combined with urgent telephone calls using your loved one’s voice to ask for help or access to your accounts. (More on urgency below.)
Fake videos. AI is used to create videos of fake authority figures or “proof” that someone or some situation is real. These are used for cryptocurrency scams, fake investments, fake job offers, and much, much more.
And as we’ve seen, AI just gets better and better.
If anything can be fake, what can we do?
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Protect yourself from AI scams
Here are the steps to take and things to look for.
- Create a family password to confirm you’re talking to who you think you are.
- Look closely at photos and videos for details that look “off”, like odd hands or fake-looking faces.
- It’s not always practical, but if you can, decrease how much you share your voice and photos online, so they can’t be copied.
- Hang up and verify incoming calls by contacting the company or person directly yourself.
- Don’t answer caller IDs you don’t recognize.
- Don’t trust Caller ID; it can easily be spoofed.
- Don’t send money or share personal info with people you’ve only met online.
- Never ever trust urgency. The more desperate they sound and the more insistent the timeline, the more suspicious you should be. It’s the #1 sign of a potential scam.
- Never make payments using gift cards, cryptocurrency, gold bars1, or other methods that cannot be challenged and reversed.
In short: familiarize yourself with the signs and be skeptical.
If it happens to you
Even the best prepared can fall for professional scams. It may someday be you.
Do not be ashamed. This stuff is happening, and it’s happening to a lot of people. As you can see from the lists above, it is easy to let your guard down.
Instead of being embarrassed and silent, in the United States, report it to the FBI’s IC3 (Internet Crime Complaint Center) at ic3.gov. They’re overwhelmed, as you might imagine, and you may not get a response, but your details still help the FBI track down scammers. In other countries, look for a similar authority to report to.
Consider sharing your story with friends. It can be the wake-up call people need to understand that they can be scammed, too.
Do this
Familiarize yourself with the signs and techniques above.
Be skeptical, even of things you’ve never had to be suspicious about before.
Report it if it happens to you.
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Footnotes & References
1: Yes. Apparently, it’s a thing.
Reference: This article was based on an extensive Public Service Announcement from the FBI: Criminals Use Generative Artificial Intelligence to Facilitate Financial Fraud.
A scammer will:
1. Pretend
to be someone you know:
from a known organization (the government, your bank, electric co., etc.) or
from your family (your granddaughter on Spring break somewhere).
2. have a Problem or Prize
a problem you never heard about in the normal way, or
a prize from a contest you never entered.
3. Pressure you to respond immediately.
No time to consult anyone or check on anything – must act right now.
4. want Payment in an unusual way.
won’t take a credit card or mailing in a check –
has to be paid with cryptocurrency or Wal-mart gift cards, etc.
Any of these indicate it’s a scam.
So Just Say No!
(And remember: you don’t have to be polite to a scammer.
Feel free to hang up on them.,)
“Feel free to hang up on them” or practice your vocabulary of swear words.
I work with computers. I have no need for additional practice.
“Create a family password to confirm you’re talking to who you think you are.”
This is a good idea, but you’d have to give this to every family member. If a “family member” of “friend” calls who I haven’t shared the password with, I’d ask them a question that only they would know, for example, what school does your son go to.
I got two phone calls from an unknown number yesterday. I answered because there’s a slight chance that the call was from a legitimate business I’d dealt with. The second I heard that slick PR style voice, I hung up. The second time I rejected the call and blocked the number. This was probably just spam, but my response works for scam calls.
Most advice is to watch out for things that appear to be off, but with the improvements in AI, too perfect can be a red flag.