Online scams are constantly evolving — from phishing emails to fake e-commerce sites. The FBI's Internet Crime Complaint Center (IC3) reports billions in losses yearly. Awareness is your best defense.In the digital landscape of 2025, fraudsters employ increasingly sophisticated tactics, making it crucial for everyone to understand the signs of a scam. Staying vigilant and knowing the common red flags can significantly reduce your risk of becoming a victim.

Understanding How Online Fraud Works: Online fraud typically involves deceptive practices designed to trick individuals into revealing sensitive information, sending money, or downloading malicious software. These schemes often exploit human psychology, leveraging urgency, fear, or irresistible offers. Common methods include phishing, where criminals impersonate trusted entities to steal credentials; fake websites designed to mimic legitimate ones; and social engineering, which manipulates victims into performing actions against their best interest. As technology advances, so do the methods of fraudsters, making continuous education on current threats vital for protection.

Red Flags to Watch:

1. Urgency & Fear Language
   Emails that say “your account will be closed” or “urgent action needed” are classic phishing tactics.
   
   

2. Suspicious Links or Attachments
   Always hover over links. Use VirusTotal to check before clicking.
   
   

3. Too-Good-To-Be-True Offers
   That free iPhone probably isn’t real. When in doubt, search “[company name] + scam”.
   
   

4. Unfamiliar Payment Methods
   Fraudsters often request Zelle, gift cards, or crypto payments.
   
   

5. No Contact Information
   Legitimate websites will have physical addresses, phone numbers, and customer service.
   
   

“Zelle” and “iPhone” are trademarks of their respective owners.