A way to spot scams: how someone asks you to pay
Scammers contact you unexpectedly claiming you owe money or are owed a prize, then insist you pay using untraceable methods like wire transfer, cryptocurrency, or gift cards.
How it works
Someone calls, texts, or emails you out of the blue saying you have a problem that needs fixing, a prize waiting, or a bill due. They create urgency and pressure you to act fast. Then they tell you the only way to pay is through bank transfer, wire transfer, cryptocurrency, payment app, or gift card. Once you send money through these methods, it cannot be recovered.
Red flags to watch for
- Unexpected contact about a bill, prize, or urgent problem
- They insist on payment by wire, transfer, crypto, or gift card
- Pressure to pay immediately or lose the opportunity
- They won't accept normal payment methods like credit card or check
- You don't recognize the company or can't verify them independently
What to do
Do not pay using wire transfer, cryptocurrency, payment apps, or gift cards. Hang up and call the organization directly using the number on its official website or bill. If you're not sure who contacted you, ask them to send you a written notice and verify the details by calling the agency independently. Report the contact to reportfraud.ftc.gov.
If this reached you
Source: FTC . Scam Sentinel summarizes official guidance in plain language; it is a decision aid, not a guarantee.