Saturday, June 2, 2018

    
How to Stop Getting Robo Calls
By Miriam Cross, Kiplinger.com


Your phone rings and a perky voice announces that she is "Heather from card services," and she has important news for you. You know Heather is a recording and that the low interest
rate she's promoting is a scam. You hang up.

Robo calls that use sales pitches or scare tactics to siphon your money are on the rise. Unwanted
 calls have topped the Federal Communications Commission's list of consumer complaints over t
he past several years. Many are against the law: Most robo calls to your smartphone are illegal,
and robo sales calls to your home phone are illegal except in specific circumstances. And they
are becoming trickier to spot. Robo callers are covering their tracks by "spoofing," or falsifying t
heir caller ID so it displays a fake number that appears to be local.

How to Stop Getting Robo Calls - By Miriam Cross, Kiplinger.comThe FCC recently announced that phone companies may
proactively block calls that appear to be spoofed -- a good
step forward, says Margot Saunders, senior counsel to the
National Consumer Law Center.

What You Can Do
Start by checking to see if you inadvertently gave permission
to some callers to disturb your dinner. For example, you may
have checked a box on a loan application consenting to
reminders by any means. You'll need to contact the company t
o revoke your consent.

Adding your number to the Do Not Call registry (www.donotcall.gov) will deflect live sales calls f
rom legitimate telemarketers. However, it won't stop scammers or calls for debt collection, surveys
and more. Check your home-phone provider about blocking individual numbers or enabling
Anonymous Call Rejection. If you get your home-phone service from an internet provider, such
as Comcast Xfinity or Verizon Fios, try Nomorobo (www.nomorobo.com). (For other suggestions,
go to www.ustelecom.org/issues/robocallsand click on "Sampling of Tools.")

To prevent individual callers from reaching your cell phone, look up instructions at
www.ctia.org/consumer-tips/robocalls. To further cover your bases, enable a blocking app on
your smartphone. Some carriers are rolling out services that warn customers or intercept
suspicious calls outright, including AT&T's free Call Protect, T-Mobile's free Scam ID and
Scam Block, and Verizon's Caller Name ID ($3 per month).

Alternatively, a number of third-party apps will reveal caller ID; fend off known scammers
automatically while allowing legal robo calls (such as appointment reminders) to get through;
and let you customize your own blacklist. Some apps guard against spam texts, too, such as
PrivacyStar and Truecaller for mobile phones. The YouMail app delivers an "out of service"
message to discourage nefarious callers from contacting you in the future; RoboKiller
($3 per month or $25 per year, iOS only) plays a snarky prerecorded message of your
choosing to flummox spam callers. Review an app's privacy policy before downloading.
For example, the Hiya app may access your phone number as well as your phone's call
and text logs and contacts.

Back to Basics
Whether or not you download an app, avoid answering calls from an unknown number --
even if you recognize the area code or prefix. Check your voice mail afterward, or see if
you can set up voice-mail transcription instead.

Reprinted with permission. All Contents ©2018 The Kiplinger Washington 
Editors. Kiplinger.com.
(prices are accurate at time of publishing)

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