Scams Total $64 Billion in Losses and Impact 7 in 10 Americans Finds State of Scams USA 2025 Report
https://finance.yahoo.com/news/scams-total-64-billion-losses-130000084.html
Key Findings:
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77% of Americans have encountered a scam in the last 12 months, with an average of 377 encounters per person per year (roughly daily exposure)
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74% of respondents report scam encounters, but 57% say that no discernible action was taken
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82% of those involved in a financial scam reported it to a payment service or bank, but only 44% were able to recover at least some of the money
10個裏麵7個應該是遇到騙子，文學城裏麵也有
Key takeaways:
- Two-thirds of consumers (67%) believe their financial institutions should reimburse them for money lost in a scam even when they personally authorized the transaction.
- At the same time, more Americans say they are responsible for protecting themselves from scams (39%) than their financial institutions (36%).
- 85% of Americans worry that scams are becoming harder to detect because of AI technologies.
- Younger generations report the highest and most frequent losses. Nearly one in four (23%) Gen Z and Millennial scam victims lost $5,000 or more — a hit 3x bigger than the average cost of rent.
- Fraud prevention and security are non-negotiable for consumers, with 97% saying they are the most important factors when choosing where to bank.
- Yet, nearly seven in ten consumers (69%) expect new account sign-up to take less than 10 minutes, and six in ten (59%) say they experience frustrations opening financial accounts online.
2025 State of Scams Report
Scams are on the rise, and so is confusion over who is responsible
Key takeaways:
- Two-thirds of consumers (67%) believe their financial institutions should reimburse them for money lost in a scam even when they personally authorized the transaction.
- At the same time, more Americans say they are responsible for protecting themselves from scams (39%) than their financial institutions (36%).
- 85% of Americans worry that scams are becoming harder to detect because of AI technologies.
- Younger generations report the highest and most frequent losses. Nearly one in four (23%) Gen Z and Millennial scam victims lost $5,000 or more — a hit 3x bigger than the average cost of rent.
- Fraud prevention and security are non-negotiable for consumers, with 97% saying they are the most important factors when choosing where to bank.
- Yet, nearly seven in ten consumers (69%) expect new account sign-up to take less than 10 minutes, and six in ten (59%) say they experience frustrations opening financial accounts online.
https://www.alloy.com/reports/2025-scams-report
