Dann Tardif/Getty ImagesIn the age of online shopping, ghost-tapping and AI, consumers are more vulnerable to scams and fraud than ever. A report by the Consumer Federation of America (CFA) found that Americans lost around $148 billion to online scams and crimes in 2025. The CFA also found that social media platforms, specifically Facebook and Instagram, are the platforms most commonly associated with online scams. The friendly fraud boomBloomberg reported that Juniper Research found that American Consumers filed 158 million transaction disputes in 2025, an increase of 29% from 2021. One form of this "friendly fraud" is shoppers who simply do not realize what they are being charged is correct.