Scammers Are Using AI to Target You — Don’t Get Caught Off Guard

As scammers leverage AI, consumers can defend themselves by becoming familiar with common scams and being suspicious of unexpected calls.

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Edited by other Published Apr 30, 2026 AI tools are making it easier than ever for scammers to defraud consumers. The FBI reports that cybercrime is on the rise, reaching over 1 million complaints last year for a total of $20.877 billion in losses. That’s a 26% increase in losses over the previous year. Understanding how scammers work can make it easier to avoid their tricks. “There has never been more fraud and more different types of fraud than there is now, and the primary factor is the availability and accessibility of AI tools,” says Mason Wilder, a certified fraud examiner and research director at the Association of Certified Fraud Examiners. Think about how easy AI makes the tasks you do. Scammers are using these tools to impersonate known people on audio and video. They are also streamlining the way they collect data on and target potential victims, and they can do it efficiently. To stay safe, fraud experts recommend the following strategies.

Treat incoming calls, emails and texts with suspicion

Scammers can use AI tools to automate outreach methods and collect personal information at rapid speed, says Eva Velasquez, CEO of the nonprofit Identity Theft Resource Center. “They’re harvesting all of this rich information about a person which previously they had to put more time and effort into,” she says. It’s so easy that “everybody is a target.” As a result, we need to be more vigilant. Treat all inbound texts, calls or emails — even if they appear to be from a legitimate source — with a degree of skepticism. “If you didn’t initiate the contact, go to the source,” Velasquez says. That means calling the number you know to be correct to verify the identity of anyone reaching out to you.

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Get familiar with AI video and audio capabilities

Scammers can clone voices so a phone call sounds like a relative, celebrity or government official, says Chuck Bell, programs director for advocacy at Consumer Reports. “Many scams we see are imposter scams where they are impersonating your bank or service provider, FedEx, Amazon, a government agency like the IRS, or a tech company,” Bell says. Scammers can use AI to alter video and audio so it appears authentic. They usually reach out to you via phone call, WhatsApp message, text or email. Bell says they might invent a story to gain access to your computer, personal information and finances. Naivety is not your friend in the age of AI. If you’re aware of scammers’ new audio and video altering tactics, it can be easier to spot them, Velasquez says, even though they look real. “Most of us are wired to respond to law enforcement,” Velasquez says, which is why scammers use that identity so often. Velasquez also encourages people to bring up these kinds of AI scams with older family members, so they know what to watch for. Some scammers will impersonate grandchildren claiming to be in trouble with the law and needing financial help immediately.

Be wary of unsolicited investing advice

In the past, scammers would connect with targets over social media or dating sites and request money. Now, Wilder says a new method involves creating a convincing investing platform that is fake. “They convince people to put more and more money into the platform, and it looks like it’s going up and up,” Wilder says. The scam, he explains, is enhanced at every step with AI. First, scammers use AI to automate the initial outreach to targets. Once they make contact, they use AI-augmented video or audio to gain the victim’s trust. Then, they use AI to build a convincing online platform to collect their money. Finally, the platform disappears, along with the target’s money.

Freeze your credit and opt into alerts

You can take a simple step to protect your financial identity. Freezing your credit through the main credit bureau websites can prevent scammers from taking out new accounts in your name. If you need to access your credit, you can temporarily thaw those freezes. Wilder also suggests signing up for transaction alerts on your financial accounts so you get a notification every time your card is used for a purchase. That way, he says, you can quickly dispute any suspicious charges. He also encourages people to use credit cards instead of debit cards for online spending because they offer more built-in fraud protection. Given all of the leverage AI offers to scammers, consumers need all of the help they can get. Explore more on About the author Palmer Kimberly Palmer is a personal finance expert at NerdWallet. She is also the author of three books about money: "Smart Mom, Rich Mom," "The Economy of You" and “Generation Earn.” Kimberly's work also appears at NerdWallet Canada. Published in How to Pay Off Debt: Top Strategies for 2026 Credit Score Ranges: What They Mean and How They Work How to Budget Money in 5 Steps 28 Proven Ways to Save Money Get Your Free Credit Score By NerdWallet How to Pay Off Debt: Top Strategies for 2026 By Lauren Schwahn, Jackie Veling 50/30/20 Budget Calculator By Amanda Barroso, Elizabeth Ayoola