MODERATE THREAT · Consumer Fraud Awareness
Protect Yourself from Emotionally Manipulative Scams
Criminals frequently exploit human emotions such as fear, urgency, and the desire for connection to bypass rational decision-making and perpetrate fraud. By creating high-pressure situations or isolating victims, scammers manipulate individuals into sharing sensitive financial information or sending money.
10/9/2026EmailText MessagingSocial MediaTelephone
Warning signs
- Unexpected contact from someone claiming to be a government agency or bank
- Requests for payment via unconventional methods like wire transfers or gift cards
- High-pressure tactics demanding immediate action or payment
- Offers to recover previously lost money for an upfront 'retainer' or 'processing' fee
- Isolation tactics that discourage you from speaking to family or friends about the transaction
What you should do
- Pause and consult with a trusted friend or family member before making any financial decisions
- Verify the identity of anyone claiming to be from an official agency by contacting the organization directly using a verified, independent phone number
- Never pay an upfront fee to recover lost money or prizes
- Limit the amount of personal information shared on social media and online platforms
- Report suspected fraud to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov