Pretty soon, it is going to become impossible to tell whether a person calling you on the phone or on Facetime is real or a scammer. You ought to be thinking about this now – before you get scammed.
FAKE PHOTOS. Scammers have long had the ability to alter photos, but until recently, they needed some skill in order for their doctored photos to be convincing. Now with AI, someone with no skill at all can create fake images of someone that seem to be real. A recent survey found that 72% of Americans could not tell the difference between an AI image and a real one, and that number is increasing.
VOICE CLONING. With a recording of someone’s voice that is just a few seconds long, someone using AI voice cloning technology can create a completely convincing voice recording of you that even people who have known you all your life cannot tell is a fake. There are numerous websites that offer voice cloning technology to anyone for almost nothing.
VIDEO DEEPFAKES. As AI has gotten more advanced, it is now capable of creating not just realistic fake photos, but fake videos too. Deepfake videos are now so realistic that people think they are having a video call with a real person, and a person they know. People are now using deepfake videos to commit a long list of crimes, including cyberbullying, blackmail, and the ‘grandparent scam.’ The grandparent scam is a type of fraud in which a scammer impersonates a grandchild or some other family member claiming legal trouble, in jail, or in an accident and needing money.
My sister got a call from a woman claiming to be her grandson and needing money for bail. My sister asked the caller: “What is your sister’s middle name?” The caller hung up immediately. This is the most effective way of protecting yourself from such scams, asking a question or questions of the caller that he or she would know the answer to if the caller was legit. Here is an astonishing example of how good deepfake videos are now: Morgan Freeman video. Would this fool you? It would have fooled me if the AI Morgan Forgan hadn’t said it’s a fake. Here is the video from which the fake Morgan Freeman video was made: Not Morgan Freeman Video. YouTube has many other deepfake videos. There are a lot of Tom Cruise deepfake videos on YouTube. Here one: Tom Cruise deepfake.
CALLER I.D. SPOOFING.
The word “spoof” usually refers to a kind of harmless joke or a lighthearted parody, but Caller I.D. spoofing is neither funny nor harmless. Imagine this situation – Your telephone rings. Your Caller I.D. identifies the caller as “Bank of America.” The caller says: “Hi. My name is Matilda Yakabofski. I’m calling from Bank of America’s security department. There has been some suspicious activity in your account. We would like to make sure that these transactions are legitimate. Would you please confirm your account number and password?” This phone call is a Caller I.D. spoof from someone trying to steal your identity.
· Caller I.D. spoofing is a technological trick that allows callers to change the name and phone number that appear on your Caller I.D. display. It is an old trick that has been around for over 15 years. For $10 an hour, you can hire a spoofing service that gives you the ability to change the name and the telephone number that you appear to be calling from. Every year, millions of Americans fall victim to Caller I.D. and e-mail spoofing scams, (also known as “phishing”). Here is how to protect yourself from Caller I.D. spoofing:
- Never give financial information over the phone unless you initiated the call yourself, and you know for certain who you are speaking to. Banks, credit card companies, and government agencies do not call people to “confirm” or “update” personal information, such as social security or driver’s license numbers, PIN numbers, credit card security codes, etc.
- Your bank knows your account number. Your bank will never call you and ask what your account number is.
- Don’t call the phone numbers of companies in e-mail messages or click on the hyperlinks. To call a company where you have an account, use the phone number on the last statement you received from them.
- If you think you may have already been scammed by a Caller I.D. spoof, contact the real company right away and tell them what happened.
- Get a credit report on yourself at least twice a year at Annual Credit Report and look for suspicious activity. Do not go to websites with similar names. The 3 big credit bureaus operate this website jointly, and it really is free.