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King, the attorney general of New Mexico.“They reach out to thousands of people and know that someone will bite,” he says.

Another variation: A text “alert” from your bank or cellphone company that your account’s been frozen. But with a scam, that link leads to a look-alike site that thieves use to harvest personal information, says King.

The solution: Skip the link, and just log in to your account as usual, he advises.

You could be a victim of “cramming.” Many phone companies allow you to pay for third-party services by having charges added to your phone bill. But sometimes scammers attempt to have phantom fees added to those bills, says Duane Pozza, an attorney in the financial practices division of the Federal Trade Commission.

The scam gets its name from the fact that third-party operations are “cramming” their bogus charges onto real phone bills.

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