The Top Scams of 2024 and How to Avoid Them

Scammers seem to get more creative every year, and 2024 is no exception. With all the new tech trends and shifts in our daily lives, they’ve been busy finding fresh ways to take advantage of people. From AI-powered tricks to financial bait-and-switch schemes, here’s a look at the scams that caught people off guard this year—and some smart moves to keep yourself protected.

1. AI Voice Cloning Scams

Scammers have learned to use artificial intelligence (AI) to mimic voices with shocking accuracy. Imagine getting a call from what sounds like your best friend or family member, urgently asking for help. These scammers often claim they’re in some kind of emergency, prompting you to send money fast. It’s convincing—and frightening.

How to Avoid It: If you ever get an urgent call like this, take a moment. Ask personal questions only that person would know or try calling them back at their actual number. It’s an extra step, but it’s worth it.

2. Fake Job Offers and Work-From-Home Scams

As remote work grows, scammers have been setting up fake job listings, often asking applicants for a “training fee” or “supplies deposit.” These scams tend to target people looking for flexible work, especially in a tight job market, and can look professional enough to fool even cautious applicants.

How to Avoid It: Research any company offering you a job. Legitimate companies will not ask for money upfront. Look for verified company websites and contact them directly if you’re unsure.

3. Subscription Renewal Scams

Scammers know we all have a subscription or two (or ten), and they’ve started sending out fake renewal notices for services like streaming platforms, antivirus software, or online storage. These emails look official, urging you to click a link to “update your payment details,” which takes you to a site designed to steal your info.

How to Avoid It: Always go directly to the official website to manage your subscriptions, rather than clicking on email links. Double-check account charges through your credit union or credit card provider if you get a suspicious renewal notice.

4. Cryptocurrency Investment Scams

With crypto in the spotlight, scammers are offering “too-good-to-be-true” investment opportunities, promising guaranteed returns. They lure people in with professional-looking websites and testimonials that seem genuine, then ask for investments that vanish.

How to Avoid It: Be wary of any investment promising guaranteed returns, especially in volatile markets like crypto. Stick with known, reputable financial institutions if you’re interested in investing, and remember that if it sounds too good to be true, it probably is.

5. Online Marketplace Scam

Scams on sites like Facebook Marketplace and Craigslist have ramped up. People selling high-ticket items (like electronics or furniture) often ask for deposits to “hold” the item, only to disappear once they get the money.

How to Avoid It: Meet up in a safe, public place whenever possible and avoid paying deposits unless it’s through a trusted site that offers buyer protection.

As we head into the future, staying safe means staying aware. Scammers are out there, but the more we know about their tricks, the better equipped we are to protect ourselves and our loved ones. Remember, trust your instincts and take your time—staying one step ahead is the best defense.

If you do find yourself in trouble with a cybercriminal or think your personal information has been compromised, remember to call us at 800 660-3258 and consider reporting suspicious online activity at IdentityTheft.gov.