Top 20 Latest Scamming Formats 2022 – How not to get Scammed in 2022

It’s no longer news that scammers have taken their strategies up a notch in this season. You probably clicked on this post because you don’t want to be scammed, or perhaps if you or someone close to you has been scammed before you probably don’t want a second occurrence. If this is your intention, you clicked on the right post.

In this article, you will discover, how people get scammed, the age bracket susceptible to scams, the strategies scammers use in scamming people in 2022, the top 20 latest scamming formats in 2022, and lots more.

Nobody, absolutely nobody wants to get scammed. So if you want to be equipped with the right information to avoid scamming in 2022, let’s started.

Latest Scamming Format


You might be wondering why someone might decide to scam you, well the answer is not far-fetched, scammers aim at YOUR MONEY. Scammers scam and engage in fraudulent activities to deceive people and the aim or their final target is always money.

The sad truth is that there is nothing they won’t do to accomplish their mission. Until they get a hold of your money, they won’t stop?

So if you want to know how they get to scam people successfully keep reading!!!


You receive a contact out of the blues asking you to ‘help’ someone from another country transfer money out of their country. More often this is a number that hasn’t contacted you before though sometimes it might be through someone you know.

Sometimes the request includes a long and often sad story about why the money cannot be transferred by the owner. This typically involves some type of conflict or inheritance and they may want to move the money straight into your account.

You are offered a financial reward, such as a share in the amount, for helping them access their ‘trapped’ funds. The amount of money to be transferred, and the payment that the scammer promises to you if you help, is usually very large.

They will claim that a bank, lawyer, government agency, or other organization requires some fees to be paid before the money can be moved. The scammer will often ask you to make payments for the fee via a money transfer service.

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They will claim they’re a customer care agent from a bank telling you of how your bank account is under threat and how you really need to send them a particular detail (BVN, ATM PIN, AND SERIAL NUMBER) or access as soon as possible a site where you must insert your credentials in order to confirm your identity or your account.

If either of these techniques is used, an alarm should go off in your head screaming “SCAM ALERT!!!”, these should be some warning signs indicating that you’re about to be scammed.

In order for their success rate to grow, scammers create a sense of urgency. The sense of urgency is meant to set you on your foot to get you to do what they want. But hey, who safeguards an account by releasing the pin or security details???


Below you will discover the top 20 scamming formats in 2022.


This is a scamming format done via email. It’s a scam in which an e-mail user is duped into revealing personal or confidential information which the scammer can use illicitly. Phishing, when successful, tricks the user into handing over their passwords to the scammer, often through professional-looking emails purporting to be from trustworthy businesses. The endgame is generally the acquisition of personal information, like credit cards and social security numbers.


This is a scamming online tactic, scammers tend to imitate friends’ pictures and handles. Using the look-alike they tend to scam the friends of the person they imitated.


This is the use of SMS to scam people although similar to phishing but here malicious hackers send text messages to their potential victims. How does this happen? You receive an urgent text message on your smartphone with a link attached saying that it’s from your bank and you need to access it in order to update your bank information or other online banking information. You already know what that is, IT IS A SCAM.


Though old, this scam still works. The premise is simple: You get an email, and within the message, a Nigerian prince (or investor, or government official) offers you an opportunity for lucrative financial gain. And here is the catch, Pay a small portion of the amount upfront, or hand over bank account information and other identifying information so that the transfer can be made. Of course, you lose that seed money, never receiving a dime in return.



Talking about ticket scams, consumers are tricked into buying fake tickets for sporting events, concerts, and other events. Scammers usually target high-profile events that will be happening and the tickets are likely to sell out so they can take advantage of increased demand. Often, the tickets they send customers have forged bar codes or are duplicate copies of legitimate tickets. Other times, consumers won’t receive any tickets at all after they pay up.


Here, a scam is successfully carried out using the identity of a popular public figure. The scammer’s real endgame is just identity theft for financial gain through a classic online phishing scheme.


In a ransomware attack, hackers install malware onto a computer or system of computers that restrict the victim to access their files. Scammers/Hackers usually request a huge amount of money before they undo it. At their worst, ransomware scams exploit the victim’s sense of security and privacy.


Most people strategically fake up stories usually tragic on the internet to get the public to donate to help them. Though this works for most people if GoFundme proprietors find out they send the money back to the donors.


Greeting card scams are used by scammers to inject malware and harvest users’ most valuable data. Once you open such an email and click on the card, you unknowingly download and install the malware. If this happens, your computer will start sending private data and financial information to a fraudulent server controlled by IT criminals.


People can be easily scammed by “too good to be true” bank offers that might guarantee large amounts of money and have already been pre-approved by the bank. If such an incredible pre-approved loan is offered to you, ask yourself “How is it possible for a bank to offer you such a large sum of money without even checking and analyzing your financial situation?”


Here, scammers will send you an email threatening to extort money from you either through kidnapping or assault, either way, they ask for money within a given deadline. To create the appearance of real danger, the message is filled with details from the victim’s life, collected from an online account, a personal blog, or a social network account.


Most people get a mail saying “You have been infected! Download antivirus X right now to protect your computer!” Many of these pop-ups were very well created to look like legitimate messages that you might get from Windows or any other security product, but once you click on it, you’re getting your system infected with malware. BEWARE!!!


This is also known as Easy money, scammers will lure you into believing you can make money easy and fast on the internet. They’ll promise you non-existent jobs, including plans and methods of getting rich quickly. It is a quite simple and effective approach, because it addresses a basic need for money, especially when someone is in a difficult financial situation. Once you’ve invested, your money is gone.


When using an online payment platform, we strongly recommend that you watch out for the overpayment scam. A typically overpayment online scam like this works by getting the potential victim “to refund” the scammer an extra amount of money because he/she sends too much money. The offer will often be quite generous and bigger than the agreed price. The overpay (extra money) is to cover the costs of shipping or certain custom fees.


Here’s how it happens: you receive an email containing an amazing offer for an exceptional and hard to refuse destination (usually an exotic place) that expires in a short period of time which you can’t miss. If it sounds too good to be true, it might look like a travel scam, so don’t fall for it! It’s advisable you verify first.


Scammers often spread fake news on the Internet and in return give much unrest. The intention is to get people agitated and lure them into doing what they have suggested, and more often than not, your money is involved.


Everybody loves shopping and it’s easier and more convenient to do it on the Internet with a few clicks. But for your online safety, be cautious about the sites you visit. There are thousands of websites out there that provide false information and might redirect you to malicious links, giving hackers access to your most valuable data. In addition, you might just be paying for a product that’s non-existent.


This is the most rampant and freakingly heartbreaking. There you go looking for a job and you’re scammed. Most scammers do this by posing as recruiters or employers, they use fake and “attractive” job opportunities to trick people. It starts with a phone call (or a direct message on LinkedIn) from someone claiming to be a recruiter from a well-known company who saw your CV and said they are interested in hiring you. If you didn’t apply, don’t venture into it.


Scammers who present themselves In this case as tech experts use various social engineering techniques to trick potential victims into giving their sensitive information. Even worst, they try to convince potential victims to pay for unnecessary technical support services. These tech “experts” pretend to know everything about your computer, how it got hacked, and many other details that help them gain your trust and convince victims to fall prey to their scams.

We believe with this information, you should be able to protect yourself from scams. Be quick to identify them, do not give out your security information to any number regardless of who they said they are, don’t act under pressure or in urgency attune with their request and whatever it may look like, you might want to instruct yourself don’t pick any number you don’t know and before you click on any link, VERIFY.

We hope this will be a guide to safeguard your finances.


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