Cybercriminals are constantly evolving their tactics. Some of the most effective threats rely not on breaking into systems, but on manipulating people. These social engineering scams exploit human trust and urgency rather than software vulnerabilities, making them especially dangerous. Here are some of the most common methods individuals should be on the lookout for:
Impersonation scams
Scammers may pose as trusted institutions — such a bank, employer, or even benefits provider — using fake caller IDs or realistic emails and texts. They often claim there’s suspicious activity on the account and pressure the accountholder to take immediate action, such as making a payment or sharing sensitive information. Their goal is to create panic and urgency so that you bypass normal verification steps.
Smishing and fishing
Fraudsters frequently use email (phishing) or text messages (smishing) to trick individuals into clicking malicious links or sharing login credentials. These messages often appear to be from a known service like a delivery company, toll road provider, or internal department. Once you click the link or provide details, attackers can hijack your accounts or steal your identity.
Fake deposit and overpayment scams
On social media and other platforms, scammers may pose as buyers, employers, or even charitable organizations, offering to send you money. Often, they send a check or digital payment that initially appears to clear, then ask you to send back part of the money. Eventually, the payment fails, leaving you responsible for the full amount you returned.
Investment and payment scams
Too-good-to-be-true investment opportunities, particularly those demanding payment in cryptocurrency or gift cards, are a red flag. Scammers may promise high returns or urgent benefits but ultimately leave victims with financial losses and no recourse.