What if a friend messages me asking for money?
A familiar social-media account may be hacked or copied, even if the message uses your friend's name and photo.
“Can you help me quickly? I am locked out of my payment account. Send $200 and I will repay you tonight.”
Why this is suspicious
Scammers take over or duplicate real accounts, then message the person's contacts. Familiar photos and old conversations are not proof that your friend sent the request.
Warning signs
- The request is unusual for this person
- They cannot speak by phone
- They want gift cards, codes, or instant payment
- The writing or circumstances feel different
What to do next
- Do not send money through the message
- Call your friend using a number you already know
- Ask a question only the real person would know
- Report the account as compromised
If you already clicked or paid
For guidance on what to do after a possible scam, visit the FTC’s recovery guide. It covers different situations, including payments and personal information.
Official source: FTC guidance on hacked accounts
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