Scams continue to evolve across phone calls, text messages, social media, e-mail, and even in-person interactions, costing Americans billions of dollars each year. Officials with the Ohio Attorney General's Office are warning residents to stay alert and recognize the common signs of fraud before becoming victims.

One of the biggest warning signs is pressure. Scammers often try to create panic or urgency by telling people they must “act now” to avoid arrest, secure a loan, claim a prize, or help a loved one in trouble.

Officials say consumers should be especially cautious anytime they are asked to wire money, buy prepaid gift cards, or send money in advance. Legitimate businesses and government agencies rarely demand immediate payment through those methods.

Another major red flag is receiving notice that you’ve won a contest or prize you never entered. Many sweepstakes scams tell victims they must first pay taxes, fees, or insurance costs before receiving their winnings. In reality, legitimate sweepstakes do not require payment to claim a prize.

Scammers also frequently ask for personal information such as Social Security numbers, banking details, passwords, or account information. Experts warn residents never to provide sensitive information over the phone, by e-mail, or through unexpected text messages.

One growing scam involves fake computer repair calls. In these schemes, someone pretending to represent a major tech company contacts a victim claiming their computer has a virus. The scammer then asks for remote access to the computer, allowing them to install malicious software or lock the system until a ransom is paid.

Fake check scams remain common as well. Victims receive a counterfeit check and are instructed to deposit it and wire a portion of the money back to the sender. The bank later discovers the check is fraudulent, leaving the victim responsible for the missing money.

Officials also continue warning about imposter scams, where criminals pretend to represent agencies such as the IRS, local courts, or banks. These callers often threaten arrest or legal action unless immediate payment is made.

Phone scams have become even more convincing due to “spoofing” technology, which allows scammers to disguise the number appearing on caller ID. A call may appear to come from a local number, bank, or government office even when it originates overseas.

Online shopping scams are also increasing as more consumers buy and sell items online. Officials say consumers should avoid sending money to strangers and verify websites are secure before entering payment information. Secure websites typically begin with “https” rather than “http.”

Job seekers are another common target. Some scammers advertise fake jobs and require applicants to pay fees for training materials or certifications. In many cases, the jobs either do not exist or offer little legitimate income.

Homeowners are also warned about home improvement fraud and foreclosure rescue scams. Consumers should always obtain written estimates, check references, and avoid contractors demanding large upfront payments.

Identity theft remains one of the most damaging forms of fraud. Criminals use stolen personal information to open accounts, secure loans, obtain medical care, or commit financial crimes in another person’s name.

The Ohio Attorney General’s Office advises residents to slow down when approached with suspicious offers and verify information independently before sending money or sharing personal details.

Experts say some of the most common scam warning signs include:

Officials say one of the best defenses against scams is skepticism.

“If it sounds too good to be true, it probably is,” consumer protection experts often remind residents.

Ohio residents can report suspected scams or research charities through the Ohio Attorney General’s Office Consumer Protection Section.