We’ve noticed a sharp uptick in reports from customers experiencing computer takeover attempts. These scams are becoming more frequent, more sophisticated, and—unfortunately—more convincing.
The good news? With the right awareness and a few simple habits, you can protect yourself and avoid these costly, stressful situations.
What Is a Computer Takeover Scam?
A computer takeover scam happens when a criminal tricks you into giving them remote access to your device. Once connected, they may:
- Lock you out of your own system
- Install malware or spyware
- Steal personal information
- Demand payment to “fix” fake problems
- Access your banking and financial accounts
These scams often begin with alarming pop-up messages, unsolicited phone calls, or emails urging immediate action.
Common Red Flags to Watch For
1. Fake Security Alerts
Pop-ups that claim:
“Your computer is infected!”
“Call Microsoft immediately!”
“Your data is at risk—click here!”
Legitimate companies do not use scare tactics or pop-ups that demand you call a phone number.
2. Unexpected Phone Calls
Scammers often claim to be from:
- Microsoft
- Apple
- Amazon
- Your bank
- “Tech Support”
If you didn’t initiate the call, it’s not real tech support.
3. Emails or Texts With Urgent Warnings
Messages telling you that your account is locked or that suspicious activity occurred—and asking you to click a link—are a major red flag.
What NOT to Do
❌ DO NOT click links in suspicious emails or pop-ups.
A single click can install malware or take you to a fake site designed to steal your login information.
❌ DO NOT call phone numbers from pop-ups or unsolicited messages.
These numbers go directly to scammers trained to sound official.
❌ DO NOT allow anyone remote access to your computer unless YOU initiated the support request.
This is the biggest and most costly mistake we’re seeing.
❌ DO NOT provide passwords, codes, or banking information over the phone.
Real companies will never ask for these.
What To Do Instead
✔ Close the pop-up or browser tab.
If it won’t close, restart your computer.
✔ Go directly to the company’s official website.
Type the address yourself—never click a link you weren’t expecting.
✔ Contact support using a verified phone number.
Look up the number on the company’s website.
✔ Report suspicious messages to your bank or service provider.
Banks especially appreciate quick reporting to help protect your accounts.
✔ Run your antivirus or malware protection software.
A quick scan can catch anything that might have slipped through.
If You Think You’ve Been Targeted
If you clicked something, gave out info, or allowed someone remote access, take these steps immediately:
- Disconnect from the internet
- Shut down your computer
- Contact your bank and freeze your accounts if you shared financial information
- Change your passwords from a different device
- Have your computer professionally checked
Fast action can stop scammers before they do additional damage.
Stay Safe by Staying Skeptical
Scammers rely on urgency, fear, and confusion. If something feels “off,” trust your instincts. Take a moment, slow down, and verify the source.
Your device—and your peace of mind—are worth that extra pause.
Here at Centennial Bank we are committed to protecting our customers from identity theft and to spotting fraudulent activity. We generate multiple reports to examine potential fraudulent account activity daily. Suspected money mule accounts and other types of fraud are investigated thoroughly. Call our Customer Care Center at (888) 372-9788 and report fraudulent activity immediately if you feel you have been victimized.
(888) 372-9788