The scams the Federal Trade Commission hears about most, and the tell-tale sign of each. This guide works offline once the app is installed.
A text says a package can't be delivered and asks you to tap a link to update your address or pay a small fee. Real carriers don't text links asking for payment. Check tracking in the carrier's own app or website.
A text claims you owe a small toll and will be charged a big late fee if you don't pay today. The link leads to a look-alike site that steals card details. Check your account on your toll agency's official site instead.
A message warns of a suspicious charge and asks you to reply, tap a link or call a number. Then a "bank employee" asks for codes or tells you to move money to a "safe" account. Your bank will never ask you to move money to protect it. Call the number on the back of your card.
An unexpected offer of easy money for liking videos or rating products. Soon you're asked to pay or deposit money to unlock earnings. A real job never asks you to pay to get paid.
A friendly message meant for "someone else" turns into a long chat, then a romance or a "can't-miss" investment, often in crypto. Don't keep chatting with strangers who text you by mistake.
Someone pretends to be from the government, a well-known company, tech support or a family member in trouble. Impostor scams have been the most-reported fraud to the FTC for years. Hang up or stop replying, and contact the person or agency through a number you already know.
Promises of big, guaranteed returns, often in crypto, sometimes after weeks of friendly chat. Investment scams caused the largest reported losses in 2025: about $7.9 billion. If someone you met online pushes an investment, it's a scam.