NEW YORK — In the aftermath of natural disasters like wildfires and floods, it is not unusual for scammers to emerge, taking advantage of those affected by the catastrophe. Victims, often in a heightened emotional state, are urged to remain vigilant against impostors seeking personal information, according to guidance from a Federal Trade Commission attorney. In Los Angeles, where firefighters are battling severe wildfires, thousands of homes have been lost, and lives have been tragically cut short.
Scammers frequently pose as representatives from utility companies or the Federal Emergency Management Agency (FEMA), requesting to “verify” personal information. Victims should question why the information is needed and are advised to directly contact the agency or company in question. Layugan points out that legitimate organizations should already possess this information.
This type of exploitation is tragically common in the aftermath of disasters. Scammers often exploit the urgency of the situation, pressuring victims to make hasty decisions that may not serve their best interest. It is essential to note that FEMA will never require fees for aid applications. Individuals should be wary of anyone who claims they can expedite FEMA benefits for a fee.
In addition to scams from government impersonators, contractors also emerge following disasters. Many victims seeking to rebuild are inundated with offers from contractors claiming they “know the system.” However, some may be focused solely on a quick financial return. It’s prudent to be cautious of anyone promising immediate repairs and seeking upfront cash payments, especially if they do not provide written contracts. Fraudulent contractors often pressure individuals to act swiftly.
Researching potential contractors is essential. Utilize online review platforms and check the contractor’s name alongside terms such as “scam” or “complaints.” Confirming license and insurance data can also protect you from unscrupulous workers. It is advisable to always conduct independent research and obtain multiple estimates.
In 2023, approximately 1 million incidents of identity theft were reported, along with 2.6 million instances of fraud and nearly 1.9 million other scams to the FTC. Being informed about the signs of identity theft is vital, especially in the wake of a disaster. Common indicators might include unexpected utility accounts opened under your name, debt collector calls for unfamiliar accounts, or medical bills for services you did not receive.
If you suspect your information has been compromised, act swiftly. First, report the theft by contacting the FTC at their official website or by calling their dedicated line. The FTC can provide a tailored recovery plan that guides you through the steps needed depending on how your information was misused. Additionally, informing credit reporting agencies—Equifax, TransUnion, and Experian—can help you place fraud alerts and freeze your credit.
Next, it is crucial to safeguard your data. The FTC recommends daily collection of your mail and implementing a hold on deliveries when traveling. Keeping personal information secure is vital; store sensitive documents safely instead of carrying them in your wallet. Always be cautious about sharing your bank account or Social Security number, particularly over the phone or through email.
Besides traditional forms of fraud, identity theft can also take on various forms during disasters. It is essential to remain alert, as the vulnerability felt by individuals can make them susceptible to numerous types of fraud, including tax fraud and medical identity theft, especially during tax-related periods.
By maintaining awareness and vigilance, victims can better protect themselves from the unfortunate possibility of falling prey to scammers during already challenging times.
