The Scam Guide

Plain words about the scams going around right now. How to spot them, what to do, and what to do if you already clicked. Knowing a scam before it arrives is the strongest protection there is.

Did your phone or bank already warn you?

A red banner or a security alert is its own kind of worry. Some of those warnings are real and helpful. Some are the scam. These two pages explain the difference.

What "Likely scam: Suspicious activity detected" means on your phone

Your Android phone added a "Likely scam" warning to a text message. Here is what the warning means, when to trust it, and what to do next.

My phone warned me about a message. Can I trust the warning?

Phones, banks, and email apps now warn you about scams. Most warnings are real. Some are the scam itself. Here is how to tell them apart.

The scams going around

Is that USPS text about a package fee real?

A text says your USPS package needs a small fee or new delivery details. Here's how to tell if it's real, and what to do about it, in plain words.

A grandchild texting or calling for emergency money

A call or text says your grandchild is in trouble and needs money fast, and asks you to keep it secret. Here's the one step that beats this scam every time.

When someone you know keeps asking for money

A family member or helper keeps asking for money, and something feels off. Here are the signs that matter and a free number to call. No blame, no accusations.

It sounded exactly like my grandchild. Could it be fake?

A call sounds just like your grandchild in trouble. AI can now copy a voice from a few seconds of video. Here is how to know, and the one question that ends it.

A call about your Medicare card: real or a scam?

Someone calls about a new Medicare card, a plan review, or free equipment, and wants your number. Here is what Medicare actually does and what it never does.

That message about your patient portal: real or fake?

An email says you have a new message in your patient portal. Real hospitals send these, and so do scammers. Here is the one habit that tells them apart.

That fraud alert text from your bank: real or fake?

A text says your bank spotted suspicious activity and your account is locked. Here's how to tell a real bank alert from a fake one in ten seconds.

Anyone demanding payment in gift cards is a scammer

The IRS, tech support, a utility company: if anyone demands payment in gift cards, it is always a scam. Here's why, and what to do.

That investment ad with a famous face: is it real?

An ad shows a famous billionaire's new investment platform turning small money into thousands. Here's how these AI-made ads work and how to spot them.

Is this online friend leading you into an investment scam?

Someone you met online is now talking about a can't-miss investment, usually crypto. Here's how to know if it's a "pig butchering" scam before you lose anything.

A pop-up says your computer has a virus: is it real?

A scary pop-up warns your computer is infected and tells you to call a number. Here's why it's fake and exactly what to do, in plain words.

Is it safe to scan this QR code?

QR codes are now a favorite scam trick: on parking meters, in emails, on flyers. Here's how to know when a QR code is a trap.

A call says to move your money to a "safe account." Scam?

Someone claiming to be your bank or the government says your money is at risk and you must move it to a "safe account." It is always a scam. Here's what to do.

A call about your Social Security number: real or scam?

A call says your Social Security number was suspended or used in a crime. Here's why it's fake and exactly what to do.

Spotted recently

Newer scams from our weekly intel review, each with the tell and the safe move.

Something for beside the phone

A free card you can print and tape up: four calm steps before sending money to anyone, and a blank for your family’s own word. It works when the phone is busy and a website is not much help.

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