Distraction scams

In today’s fast-paced world, scammers are getting creative — not just with technology, but with psychology. Distraction scams are a growing trend where criminals use confusion, kindness, urgency, or even chaos to divert your attention and steal from you — often in plain sight.

These scams can happen anywhere: in a parking lot, at a café, inside a bank, or even at your front door. What they all have in common is this: while you're focused on something else, they're focused on your wallet, phone, or identity.

What Are Distraction Scams?

Distraction scams involve manipulating your attention to create a brief opportunity to steal something valuable. Victims are often unaware anything happened until long after the scammer has disappeared.

These scams are especially dangerous because:

• They often appear harmless or even friendly.
• Victims may not realize they’ve been scammed until it's too late.
• They're used to steal cash, credit cards, phones, personal information — or even gain access to your home or car.

Let’s look at some common types of distraction scams currently making the rounds:

Example 1: The $20 Drop Scam

A scammer approaches and says, "Hey, you dropped this twenty." They hand you a $20 bill and act like they’re doing you a favor. While you're momentarily distracted checking your wallet or thanking them, an accomplice snatches your purse, phone, or bag — or even reaches into your vehicle.

Tip: If someone returns money you didn't lose, stay alert. Politely decline and secure your belongings.

Example 2: The Survey or Petition Scam

You’re walking downtown when someone stops you to sign a petition or take a short survey. They might even hand you a clipboard. As you’re engaged in conversation, a second person quietly steals your phone or bag.

Tip: Avoid sharing personal information or engaging with street surveys unless you’re confident the group is legitimate.

Example 3: The Bump-and-Grab

You’re loading groceries into your car when someone "accidentally" bumps into you or asks for help with something nearby. While your attention is diverted, their partner quietly opens your passenger door and grabs your purse or bag.

Tip: Always lock your vehicle when stepping away — even briefly. Stay aware of your surroundings and avoid leaving valuables in plain view.

Example 4: The Fake Utility Worker

A person wearing a vest or ID badge knocks on your door, claiming to be from the water company, electric company, or city inspector. They say they need to check something inside your home. While you’re focused on them, a second person enters through the back or another room and steals valuables.

Tip: Never let an unverified person inside your home. Always ask for ID and call the company directly to confirm.

Example 5: The ATM Distraction

You're using an ATM when someone behind you "drops" coins or a wallet, creating a commotion. In the moment of confusion, they (or an accomplice) glance at your PIN or quickly grab your card as it's ejected.

Tip: Shield your PIN at all times and avoid distractions while handling cash or cards.

Example 6: The Phone Snatch

You’re sitting at a coffee shop, and someone asks you for the time or directions. As you reach for your phone — or look away from the table — it’s quietly stolen off the table or your lap.

Tip: Keep your phone secure and avoid leaving it on tables in public spaces.

Why These Scams Work

Distraction scams rely on psychological tactics:

• Politeness — We don’t want to be rude, so we let our guard down.
• Urgency — We react quickly and emotionally to sudden situations.
• Multitasking — Scammers take advantage of divided attention.
• Trust — We assume people in uniforms or those acting helpful are legitimate.

How to Protect Yourself

• Stay focused in public. Don’t let anyone or anything draw you too far into conversation when your belongings are exposed.
• Be skeptical of strangers offering help or asking for assistance — especially if it involves entering your space, touching your belongings, or creating urgency.
• Secure your valuables. Zip up bags, keep phones in your pocket, and lock your car.
• Use situational awareness. Take note of your surroundings. Trust your instincts — if something feels “off,” it probably is.
• Avoid being rushed. Scammers love to create pressure to act quickly. Slow down and think.

What to Do If You Think You Were Targeted

• Report suspicious activity to local police or store security.
• Cancel or freeze any stolen cards or phones immediately.
• Monitor your bank and credit accounts for unusual activity.
• Alert your bank or credit union if you were targeted near one of their branches.