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Overpayment Scams
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Overpayment Scams

Overpayment scams use fake checks or transfer tricks to push you into buying gift cards.

Guide overview

Learn the red flags, why overpayment requests are risky, and how to protect yourself.

Coverage

FTC reports
State AG guidance
Issuer support
Local police report

What this guide covers

How overpayment scams work
Fake check warning signs
Safe ways to refuse and verify
If you already sent gift cards
Reporting checklist and evidence

Guide details

Last reviewed March 2026
Reading time 4 min

*Never refund an overpayment with gift cards.

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Useful for:

Consumers Seniors Caregivers Community advocates

Overpayment requests are a common scam tactic.

Fraudsters ask you to return the difference with gift cards before the original payment fails.

Red flags

  • Someone sends more money than the amount owed.
  • They pressure you to refund quickly with gift cards.
  • They avoid secure, traceable refund methods.

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