Most of the time when our phone rings we know who is on the other end. It may be a family member or possibly a friend and, if not either of those, likely some business or other contact we were expecting to hear from.
There are of course robocalls, which none of us like, but those are pretty easy to identify and hang up on. But what if you answered and the message was in Mandarin and it said to be from the Chinese consulate?
If you understand the language you might be a bit more inclined to pay attention, so when the voice says you need to take some steps in order to avoid any kind of trouble with the government, you might listen.
Unfortunately, it's all a scam
Like many attacks of this nature, they prey on people being confused or scared. Specifically, this scam tends to involve the call saying the consulate has an important document that needs to be retrieved, though it could also ask the person to provide information in order to avoid any kind of issue with the consulate.
Whatever the case, before the victim realizes what's going on, they have often wired a good amount of money to a Chinese bank.
A spokesman for the Federal Trade Commission told NBC News that there is no way to estimate this scam's scope, but reports have come in from all over the country. That led the Chinese embassy in the United States to provide an alert on its official website trying to help warn people about the scam, which it released back in April.
In part, it said:
"We would like to restate that the Embassy and Consulates General of China would not ask for personal information, deliver parcel pick-up notice or ask people to answer inquiries from police department by way of phone calls. The Embassy would not ask for bank account information."
Why is this one so effective?
Of course this scam, like most of its kind, takes advantage of people. But part of why it works is that the scammers use spoofing in order to make it appear as though their call is coming from a legitimate number, such as the Chinese consulate.
Add the fact that the call and message are in the Chinese language, and it's understandable why some would believe it to be legitimate.
One woman, who NBC News mentioned, ended up providing personal information including a name, address, age and Social Security number. With those details in hand, the scammers created what looked like a real arrest warrant, and they told the woman they would arrest her and remove her from the United States if she did not wire the money.
Only after sending the money did she look online and find out that the alleged arrest warrant was actually a document used in other scam attempts. She attempted to contact police in Hong Kong, which is where the money went, but they were unable to help.
However, through a little bit of luck, the transfer was frozen before it was submitted through the destination bank. She was able to recover the $95,000 she would have lost, save for the $80 wire fee.
Not everyone is as fortunate, so here's how to not become a victim
This specific scam targets people in the Chinese community, and in fact, the AARP reported in January that a great majority of Asian Americans and Pacific Islanders age 50 and older said their families had been targets of fraud. Along those lines, one-third of all victims lost an average of $15,000.
But while this scam targets a certain community, in truth the methods to avoid it and others are very similar. It is important to understand that legitimate organizations, and especially governments, do not ask for sensitive information over the phone, nor would they require you wire money in order to settle an issue.
If you do receive one of the calls, it is a good idea to take a moment and do some research into it. If it is fake, chances are it will not take long to discover.
What to do if you've been scammed
When you realize you've been scammed out of money, there's no time to waste.
Contact the bank you used and see if it can stop the transaction. If you've purchased gift cards -- another favorite of scammers -- contact the company that issues the cards to see what they can do. You should also contact law enforcement -- local police or even the FBI -- if only to file a report that you might need later to make a claim.
More ways to stop phone call scams in their tracks
1. Use call blockers
Ask your phone service provider if it offers a robocall blocking service. If not, encourage your provider to offer one. You can also visit the FCC's website for information and resources on available robocall blocking tools to help reduce unwanted calls. (Click here to learn how to block specific phone numbers.)
2. Block unknown callers
Many phone companies allow you to block calls that don't show a number on caller ID. Check with your provider to find out how to turn this feature on. Note: If someone you actually know calls you and blocks their outgoing number, their call won't make it through if you've turned this feature on.
3. Don't answer
This is actually the easiest solution to eliminating robocalls. If you receive a call from an unknown number or one that doesn't show up on caller ID, don't answer. If it's an important call, the person will leave a message and you can get back to them.
4. Subscribe to the Do Not Call Registry
This move will stop many robocalls before they begin. If you're on the registry, it's illegal for many robocallers to call you. Tap or click here to get your number into the National Do Not Call Registry. After your number is on the registry for 31 days, you can report unwanted sales calls.
5. Hang up
If you answer the phone and the caller (often a recording) asks you to hit a button to stop receiving calls, just hang up. Scammers often use these tricks to identify and target live respondents. Once they know the number is active, you will receive more calls in the future.
6. Get call blocking apps
You can also download and install call blocking apps such as NomoRobo, True Caller or Hiya on your smartphone. Tap or click here for more information about these types of apps.
So hackers can steal a Tesla Model S in seconds by cloning its key fob
As technologically advanced as the Tesla is, there is a downside. The more computers are involved, the greater the need to protect it against cyberattacks. As of now there is one that is so worrisome that, if successful, it could lead to someone unlocking the car and driving it away. Tap or click here for more.