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          BBB Tip: Don't let these scary cyber safety risks creep up on you

          By Better Business Bureau. October 27, 2020.
          person wearing halloween mask looking at computer

          (Getty Images)

          October is National Cybersecurity Awareness Month, and the Better Business Bureau is scaring up the latest on cybersecurity risks and ways to avoid them. Watch out for these spooky dangers lurking in the corners of our everyday digital lives.

          They’re here. Scary scammers can get to you right through that small screen in your hand – your smartphone. Consumers tend to be less wary of social media channels, and scammers are taking shocking advantage of that fact. A scam report based on BBB Scam Tracker data shows that of consumers who said they were exposed to a scam on social media, 91% engaged with the scammer, and 53% lost money.

          “Social media platforms are full of suspicious characters,” said Claire Rosenzweig, President and CEO of BBB Serving Metropolitan New York. “Be especially careful if you spot offers in your social channels that look too good to be true – scammers often lure victims that way.”

          Hacked “smart” devices could haunt your house. The “Internet of Things” continues to grow. A wide array of inventive devices connect to the internet from the car, the fridge, baby monitor,  doorbell, heating/air conditioner - even window blinds. In exchange for convenience, people are putting trust in all kinds of online smart devices, opening up new threats to security and privacy and creating points of entry for sinister hackers to exploit. Did you hear a strange voice in your house? It could be the voice of a hacker who has taken over one of your internet-connected devices.

          Evildoers in disguise are on the prowl. Sneaky phishers can gather information about you and make convincing fake email accounts to pose as your boss, lawyer, realtor, or someone you trust. Typically, they target people and organizations that may be involved in high-dollar transactions, so the risk of major monetary loss is high, too. It’s more important than ever to double-check the identity of your online contact before you transmit payments or provide personal information.

          Crypto keepers may ghost you. Highly unregulated and rapidly growing, cryptocurrency markets are rich in treats for tricksters. Cryptocurrency, or “crypto,” is an online form of payment that can fluctuate in value. Crypto trading platforms can be high-ticket playgrounds for hackers and “pump and dump” schemers who vanish into the night after they take your money. Crypto scams can spread through – you guessed it – social media.  According to the 2022 BBB Scam Tracker Risk Report, it is the third riskiest scam.

          So what can you do to protect yourself from such ghoulish tricks?

          BBB offers these tips:

          • In social media, don’t be too quick to click on ads that offer improbably good deals.  Research companies with BBB.org and other online sources before you buy.
          • Secure your smart devices and consider installing anti-malware on your smartphone. Configure and monitor app settings for privacy, encrypt your WiFi, name your router, and keep your software up to date. Ask the manufacturer or seller about smart device setup and vulnerabilities.
          • Learn the warning signs of dangerous Business Email Compromise (BEC)
          • Get the facts before you consider investing in cryptocurrency. Tips: BBB.org/crypto
          • Use multifactor authentication to secure your logins—everywhere. However, using your private phone number could expose you to some risks. Consider creating an Internet phone number for online authentication instead.
          • Change passwords often and keep them long and strong. Passphrases are more complex and may be more secure.
          • Never download or install files from unverified sources.
          • Manage a business or a nonprofit? See BBB tips on the 5-step approach to strengthen your cybersecurity.

          For more information

          Visit BBB's cybersecurity HQ for more tips and resources.

          BBB Serving Metropolitan New York contributed to this article.