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Calls and messages from scammers are universally annoying.
You know the feeling. You pick up the phone, expecting it's something or someone important, only to be met with a recorded message about "your car's warranty" or another intrusive voice trying to rip you off.
So don't get caught off guard and risk avoid throwing away money. Follow these tips to reduce robocalls and stop the scam.
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Use your phone's blocking features
Your smartphone may allow you to block specific phone numbers from calling you. This may be a good option if you get repeated calls from a spammer using the same number.
Some robocallers are onto this, however, and may use numbers that change on a regular basis.
Don't answer
The best way to respond to spam calls and texts is not to. Don't pick up the phone, and don't text back. If you see a number appear on the screen that you don't recognize or that isn't in your contacts, ignore it.
Answering the phone alerts robocallers that your number is active, inviting them to keep calling back.
Regarding texts, some say a response is required, or give you an option or link to opt out. Delete these texts without responding or clicking on any links. They could lure you into a scam.
Don't press any buttons
If, for some reason, you pick up the call, you may hear a recorded message about refinancing student loans, debt consolidation, or buying car insurance. Don't fall for it.
The recording may give you the option to press a key to hear more or to be removed from their mailing list. As enticing as this sounds, pressing any button lets them know your phone number is in service, and you'll likely be put on a callback list.
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Report them
The Federal Trade Commission (FTC) has a website, ReportFraud.FTC.gov, specifically for collecting information to help stop these calls and texts.
You can report what happened during the call or by text, and the information is shared with over 3,000 law enforcement officials.
These details are used in investigations to potentially bring charges against scams and bad business practices.
Look into call-blocking apps
Another way to thwart these annoyances is with a call-blocking app for your devices.
These apps can block callers, so you don't have to keep turning off your phone or checking it every time it rings.
The FTC recommends reviewing the Cellular Telecommunications and Internet Association (CTIA) guide to device-specific apps that help block robocalls.
Talk to your cell phone carrier
In addition to third-party call-blocking apps, check with your phone provider to see whether they offer a service to block robocalls from reaching your phone. The same applies to landline phones as well.
Register on the Do Not Call List
The FTC maintains a national Do Not Call List that you can add your information to to help stop these calls.
As odd as it sounds, your phone number will be shared with telemarketers and other callers, who must add it to their Do Not Call database.
Be aware that this list is specifically for telemarketers, and it may not stop groups like charities, surveys, or political organizations from contacting you.
Silence unknown callers
Different devices have varied ways to silence unknown callers, so check your phone settings to see if there are options you can use.
For example, the iPhone has a "Silence Unknown Callers" option under its phone settings.
Alternatively, you can use your phone's do-not-disturb feature to silence calls from numbers not on your pre-approved list or in your contacts.
Bottom line
Robocalls are annoying, but there are ways to slow down their frequency on your phone.
Remember that your best bet may be to not answer robocalls in the first place, giving them less knowledge of you, or if your phone number is active.
But if you do answer one, hang up and don't answer questions or give out your personal information, like your checking account information or Social Security Number. You can keep more money in your bank account by not interacting.
It's vital to keep your personal information private, so avoid sharing anything with anyone who cold-calls you. Although reporting to authorities may seem like an unnecessary next step, it could help prevent future calls.
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