- Fake 'wrong number' reversals: a message says money was sent to you by mistake and asks you to send it back. Check your actual balance first. Usually nothing arrived.
- Impersonation: people pretending to be from M-Pesa, your bank or a fund manager, asking for your PIN or a code. No real company will ever ask for your PIN.
- Forex and crypto 'mentors': WhatsApp and Telegram groups showing screenshots of big profits, then asking you to deposit.
- Fake jobs that ask you to pay a fee first.
- Pyramid 'investment clubs' that pay old members with new members' money until they collapse.
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