The 3 Most Common Scams People Are Falling for Right Now (And How to Avoid Them)

If it feels like scams are everywhere right now, you’re not imagining it. Online scams have become more frequent—and more convincing—but that doesn’t mean you need to live in fear or avoid technology altogether.

At Chatty Jackie, the goal is simple: help you understand what’s happening online so you can protect yourself without panic, pressure, or jargon. Let’s take a calm look at three of the most common scams people are falling for right now—and how to avoid them.

Scam #1: Urgent Account Messages

This is one of the most common scams today. You receive an email or text claiming to be from your bank, an airline, a delivery company, or a subscription service. The message may say something like:

• “Your account has been locked”
• “Suspicious activity detected”
• “Immediate action required”

These messages are designed to rush you into clicking a link or responding before you have time to think.

How to avoid it:

Pause. Do not click links or open attachments in unexpected messages. Instead, go directly to the official website or app you already use. If there is a real issue, you’ll see it there. Urgency is a common scam tactic—legitimate companies do not pressure you this way.

Scam #2: Impersonation Calls or Messages

In this scam, someone pretends to be a trusted authority—tech support, a bank representative, a government agency, or even law enforcement. They may sound professional and convincing and may claim there is a serious problem that must be handled immediately.

They might ask for personal information, request payment, or tell you to download software.

How to avoid it:

Legitimate organizations do not demand immediate action, payment, or sensitive information through unexpected calls or messages. If you receive a call like this, you are allowed to hang up. Verify the situation by contacting the organization directly using a phone number or website you trust.

Scam #3: “Too Good to Be True” Offers

These scams rely on excitement instead of fear. Examples include:

• Surprise refunds
• Prizes you didn’t enter to win
• Investment opportunities promising guaranteed returns
• Limited-time offers that promise fast money

How to avoid it:

Ask yourself one simple question: Was I expecting this?
If the answer is no, that’s your warning sign. Legitimate businesses don’t give away money or prizes without context, and investments always carry risk.

The Most Important Thing to Remember

You do not need to panic to stay safe online. Scams work best when people feel rushed or pressured. When you slow down, take a breath, and verify information, you’re already protecting yourself.

Cybersecurity isn’t about fear—it’s about awareness and good habits.

Keep Learning with Chatty Jackie

If this post was helpful, you’ll find more calm, practical guidance on cybersecurity, AI, and everyday technology here on Chatty Jackie.

Visit chattyjackie.com and subscribe to the ChattyJackie YouTube channel for videos and resources designed to help you stay informed and confident online—without confusion or scare tactics.

Chatty Jackie — Clear Tech Talk for Real Life.