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The tipoff: When banks freeze a card for suspicious activity, the cardholder usually has to initiate the call, King says.Hang up, and dial the number on the back of your card.It works because you downloaded something secretly salted with malware, which the criminal used to hijack your computer and encrypt your data or operating system, says Savage.The tipoff: Government agencies and private software companies don’t lock up computers and assess fines.C., field office Depending on the variation, you may see a warning banner from a “government agency” or “software maker.” In a different type of attack, known as Cryptolocker, you might simply get a pop-up message demanding ransom in exchange for the encryption key to restore the machine, he says.The “fine” — aka ransom — ranges from about 0 to 0, says Savage.The tipoff: On the bills, unauthorized “fees” can show up as everything from horoscope alerts to ring tones, he says.

However, we may receive compensation when you click on links to products from our partners. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.Regularly back up data, download software patches and update anti-virus and anti-malware programs, he says.Avoid illegal downloads, sketchy sites, and live links in email.And if you do get scammed, “don’t be so embarrassed that you don’t report it,” King says.“Scammers count on that.”The scam: Phone bill creeping upward?

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