Most scams use the same basic playbook: build trust or fear, create urgency, and push you to send money or share information before you can think it through. Knowing the common types makes them much easier to spot.
Common scams to watch for:
- Imposter scams — someone pretends to be RMO, the IRS, Social Security, a utility company, or law enforcement and demands payment.
- Tech-support scams — a fake virus warning or call asks for remote access to your device or a payment to "fix" it.
- Romance scams — an online relationship turns into requests for money.
- Fake-check and overpayment scams — you are sent a check, told to deposit it and send part of the money back. The check later bounces and you owe the full amount.
- Prize and lottery scams — you must pay a fee or taxes to claim "winnings."
- Employment and money-mule scams — a "job" asks you to receive money and forward it elsewhere.
Universal red flags: pressure and urgency, requests for unusual payment (gift cards, wire transfers, cryptocurrency, or payment apps), demands for secrecy, offers that seem too good to be true, and contact you did not initiate.
How to protect yourself: slow down and verify independently using a number you look up yourself; never pay a "bill" with gift cards or cryptocurrency; do not deposit checks from people you do not know; never give remote access to your device; and talk to someone you trust before acting.
If RMO accounts or money are involved, report it to RMO. You can also report scams to the Federal Trade Commission at ReportFraud.ftc.gov.