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Criminals playing the odds may even mention your actual bank by name and that, plus the robo-calling feature, “makes it seem more credible,” says Gary K.

King, the attorney general of New Mexico.“They reach out to thousands of people and know that someone will bite,” he says.

This is a scam, says Rose Chan, a consumer advice counselor for Consumer Action.

The tipoff: Utility companies send warnings, or use automated calls as reminders.

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars.

You don’t have to be an April fool to get duped by a clever scam.

The scam: Your computer screen freezes displaying an FBI warning banner: Illegal content has been detected, and the computer will remain locked until you pay the fine.

The scam is known as Ransomware, and the notifications “look very official,” says Nickolas Savage, assistant special agent in charge of the cybercrime branch of the FBI’s Washington, D.

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.