Recognize an FTC Impersonator

During open enrollment for the Health Insurance Marketplace (Nov. 1 – Jan. 15), you might feel like you’re seeing ads for health insurance plans everywhere you look and getting similar pitches over the phone. These ads and pitches can sometimes be misleading: they might promise things like comprehensive health insurance but actually offer limited benefits. Or be for medical discount cards and not health insurance at all. Other ads might look like they’re from the government or well-known insurance companies — but they’re really from impersonators trying to gain your trust.

Scammers impersonate all kinds of organizations, including reputable charities. And these impersonators sometimes make you believe that you won a charity-sponsored sweepstakes because you’ve donated to that charity. So, if you get a call about a sweepstakes contest you’ve supposedly won from someone who says they’re with a charity you support, how can you tell if the prize is real or a scam? 

Here’s the latest twist on FTC impersonators: someone claiming to be an FTC official (who’s really a scammer) calls to say a phone was registered under your name and number and is being used to commit scams in another country. The “FTC official” even reads off their badge ID (it’s a fake badge). If you don’t cooperate, they threaten to deactivate your phone number. Sounds scary? That’s (unfortunately) the point.