Scam Library

Twelve scam patterns, written so you can recognize them before money moves.

These are the patterns that hit the people you serve. Each is a quick read: what the scam looks like, who it targets, what to do. No fear-mongering, no jargon, no detection mechanics; just plain guidance, the same kind suss. surfaces inline.

Patterns
Criticalavg. $1,000 · Everyone
Phishing emails & texts
Fake messages from banks, government, or companies you trust, designed to steal your login or personal info.
Read pattern ›
Criticalavg. $64,000 · Adults 40+
Romance & pig-butchering
Fake relationships built over weeks or months. The emotional connection is the weapon; it ends with a request for money or crypto.
Read pattern ›
Criticalavg. $12,000 · Seniors, immigrants
Government impersonation
Fake IRS, Social Security, or law-enforcement calls demanding immediate payment via gift cards or crypto.
Read pattern ›
Highavg. $750 · Online buyers & sellers
Marketplace & payment scams
Fake buyers and sellers on Facebook, eBay, and Craigslist using non-reversible payments to steal money.
Read pattern ›
Highavg. $3,000 · Job seekers, students
Job & task scams
Fake employment offers with unrealistic pay. The "job" is designed to steal your money or identity.
Read pattern ›
Highavg. $2,500 · Seniors, less tech-savvy users
Tech support scams
Fake virus warnings or cold calls from "Microsoft" that trick you into giving remote access to your computer.
Read pattern ›
Highavg. $5,000 · College students, parents
FAFSA & scholarship fraud
Fake financial-aid portals and scholarship offers that harvest SSNs or charge bogus application fees.
Read pattern ›
Criticalavg. $35,000 · Adults 65+
Elder fraud
Scams designed to exploit seniors, from grandparent scams to Medicare fraud and caregiver financial abuse.
Read pattern ›
Criticalavg. $25,000 · Everyone
AI-powered scams
Deepfake video calls, cloned voices, and AI-generated phishing that is nearly impossible to distinguish from real communication.
Read pattern ›
Criticalavg. $44,000 · New investors, 25-45
Crypto & investment scams
Fake trading platforms, guaranteed returns, and rug pulls. You can see fake profits, but you can never withdraw.
Read pattern ›
Mediumavg. $500 · Teens, young adults
Gaming & digital item scams
Fake trades, phishing links, and account theft targeting gamers through Discord, Steam, and in-game marketplaces.
Read pattern ›
Highavg. $4,500 · Car buyers
Vehicle purchase scams
Fake car listings, title washing, and shipping escrow scams targeting buyers on Craigslist and Facebook.
Read pattern ›
Five universal flags

If any of these are present, stop and verify.

01
Urgency that prevents verification
"Act within 24 hours or your account will be suspended." Real organizations give you time. Scammers don't, because time lets you think.
02
Requests to move off-platform
"Text me on Telegram instead." Legitimate businesses transact on their own platforms. Moving to a personal channel removes all buyer protection.
03
Non-reversible payment methods
Gift cards, wire transfers, cryptocurrency, Zelle, CashApp. If someone insists on these, it's because the payment can't be reversed when you realize it's a scam.
04
Too good to be true
Below-market prices, guaranteed returns, high pay for easy work. The value gap is the bait. If you're wondering "why me?", that's your answer.
05
Emotional pressure or isolation
"Don't tell anyone." "This is confidential." "I love you, just trust me." Scammers need you alone and emotional because a calm outside perspective breaks the spell.
If it already happened

Move in this order, starting today.

01
Contact your bank
Call the fraud department immediately. If you wired money, request a recall. If you gave card details, freeze the card. Time matters; the first 24 hours are critical.
02
Change your passwords
If you entered credentials on a fake site, change those passwords now, from a different device. Enable 2FA on every account that supports it.
03
Report it
File a report at IC3.gov (FBI), ReportFraud.ftc.gov (FTC), and your state attorney general's office. These reports are how patterns get detected and scammers get caught.
04
Freeze your credit
If your SSN was exposed, freeze your credit at all three bureaus (Equifax, Experian, TransUnion). This is free and prevents new accounts from being opened in your name.

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