10 common tactics used by scammers

Phishing Emails

How it works: Scammers send fraudulent emails that appear to come from legitimate organizations, such as banks, government agencies, or popular online services. These emails often contain urgent messages or threats

Fake Tech Support Calls

How it works: Scammers pose as tech support agents from well-known companies (like Microsoft or Apple) and claim your computer has a virus or other issue that needs immediate attention.

Lottery and Prize Scams

How it works: Scammers claim that you've won a lottery, sweepstakes, or contest that you never entered. They may ask for a fee upfront or request your bank account or credit card details to "process the prize.

Romance Scams

How it works: Scammers develop a fake romantic relationship with someone online, often on social media or dating websites. After building trust, they fabricate a personal crisis (e.g., medical emergency, travel emergency) and ask for money.

Impersonating a Friend or Family Member

How it works: Scammers hack into or spoof the phone or social media account of someone you know. They contact you claiming to need money for an emergency (like a car accident or being stranded abroad) and ask for immediate financial help.

Online Shopping Scams

How it works: Scammers create fake online stores offering products at unusually low prices, especially during sales or special events. After payment, the product is either never delivered or is of poor quality.

Investment Scams

How it works: Scammers promise high returns on investment opportunities, often involving cryptocurrency, real estate, or foreign exchange. They may use high-pressure tactics, claiming the offer is limited or time-sensitive.

Debt Relief or Credit Repair Scams

How it works: Scammers offer debt relief services or promise to repair your credit in exchange for upfront fees. They may also ask for personal information to exploit your financial situation.

IRS and Tax Scams

How it works: Scammers impersonate tax authorities like the IRS (in the U.S.) and claim you owe taxes or have missed a filing deadline. They may threaten arrest or legal action unless you immediately pay via wire transfer or gift cards.

Fake Charity Scams

How it works: Scammers create fake charities or impersonate legitimate ones to solicit donations, often during times of crisis (e.g., natural disasters or pandemics). They prey on people’s desire to help others but pocket the donations themselves.