“You’re a Beneficiary!” Scam

“You’ve been named a beneficiary!” (Don’t fall for it.)

Imagine getting a message saying you’ve inherited a huge fortune from a long-lost relative. It sounds exciting. Maybe you picture paying off bills, buying a new car or taking that dream vacation. But before you celebrate, know this: It’s almost certainly a scam.

Scammers use messages like these to trick people into giving away money or personal details. But the only thing real about such a message is that it’s a scheme to take your money or steal your identity.

How it works: You get a text, email, letter or phone call telling you you’re entitled to an inheritance. The message looks official and may even include fake legal documents, a reference to legitimate government agencies, or the name of a supposed lawyer or financial institution handling your case.

For you to claim the money, the scammer may ask for personal details such as your full name, address, birth date, marital status, Social Security number, or bank information. They may also tell you that you’ll need to pay certain fees, such as taxes, transfer costs, or legal processing charges.

Once you share that information or send money, the scammer disappears, and your check is not in the mail.

Watch for the warning signs

• Unexpected contact: You suddenly hear from someone claiming a relative or fund you’ve never heard of.
• Requests for payment: Real inheritances never require you to pay fees up front. Taxes or legal costs are handled through proper channels after funds are verified.
• Pressure or secrecy: Scammers may tell you to act fast or keep it confidential. This prevents you from checking with someone you trust.
• Requests for personal information: Never share private details with strangers or through links in texts or emails.

What to do if you’re targeted

• Ignore it: Do not reply to the message or click on any links.
• Never send money or share information.
• Check with a trusted professional like a lawyer or financial advisor if you’re unsure.
• Report it: Notify your local consumer protection agency or the Federal Trade Commission so it can investigate.

Remember, if it sounds too good to be true, it probably is.