A text comes in saying there was suspicious activity on your account. A caller says they’re from your financial institution and needs to “verify” your identity. An email looks official and asks you to click a link before your account is locked. That moment of urgency is exactly what scammers are counting on. Many of today’s fraud attempts are designed to look routine at first. A fake fraud alert may ask you to reply “yes” or “no,” then lead to a phone call from someone preten