Scams

How to Stop Getting Robo Calls

Technology has made those annoying recorded calls ubiquitous, and technology can help you fight back.

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 the 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 their caller ID so it displays a fake number that appears to be local.The 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 to revoke your consent.

Adding your number to the Do Not Call registry (www.donotcall.gov) will deflect live sales calls from 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/robocalls and 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.

Most Popular

What Biden Will Do: 24 Policy Plays to Expect From the Next Administration
Politics

What Biden Will Do: 24 Policy Plays to Expect From the Next Administration

The Kiplinger Letter forecasts President-Elect Joe Biden’s biggest priorities -- and the likelihood of progress on them.
November 19, 2020
The 13 Best Healthcare Stocks to Buy for 2021
Kiplinger's Investing Outlook

The 13 Best Healthcare Stocks to Buy for 2021

Most of the best healthcare stocks for 2021 will have some sort of ties to COVID, whether it's producing a vaccine or cure, or benefiting from the vir…
November 20, 2020
16 Worst Gifts to Impulse Buy for the Holidays
shopping

16 Worst Gifts to Impulse Buy for the Holidays

Don't let those holiday sale promotions persuade you into buying something now that will be much cheaper later.
November 18, 2020

Recommended

Stock Market Today 12/4/20: What Lousy Job Numbers? Major Indices Shoot to New Highs
stocks

Stock Market Today 12/4/20: What Lousy Job Numbers? Major Indices Shoot to New Highs

Hope springs eternal for federal COVID stimulus, helping stocks rewrite the record book Friday despite a drab November payrolls report.
December 4, 2020
8 Investing Lessons Learned In 2020
investing

8 Investing Lessons Learned In 2020

This crazy year has changed everything, but it’s also highlighted some classic investing lessons in new ways.
December 4, 2020
Stock Market Today 12/3/20: Investors Buy Stimulus Hopes, But Not With Both Hands
stocks

Stock Market Today 12/3/20: Investors Buy Stimulus Hopes, But Not With Both Hands

Investors seemed cautiously optimistic about Washington's tone on a COVID rescue package, though late news from Pfizer cut into Thursday's gains.
December 3, 2020
Stock Market Today 12/2/20: Stocks Fight to Extend Rally Despite Disappointing Payrolls
stocks

Stock Market Today 12/2/20: Stocks Fight to Extend Rally Despite Disappointing Payrolls

A weak ADP payrolls print took the life out of stocks Wednesday, but continued stimulus talks nudged a few major indices into the black by day's end.
December 3, 2020