SCAM LIBRARY · MONEY & PAYMENT

The 'you've won' prize scam

You receive unexpected news that you've won a prize or lottery you never entered, and are asked to pay fees or share personal details to claim it.

Documented by the FTC & FBI IC3 · reviewed 2026-07-06

How it works

You get a call, email, or message saying you've won money, a trip, or a valuable prize—but you're told you must act quickly and pay an upfront fee (for taxes, shipping, or processing) to receive it. The caller or sender creates urgency and may claim you've been specially selected, making the offer feel exclusive and time-sensitive.

Red flags

• You never entered a contest or lottery, yet you're told you won.
• You're asked to pay money upfront or wire funds before receiving any prize.
• You're pressured to decide immediately and told not to tell anyone about the offer.

What to do

• Do not send any money or share personal information like your Social Security number, bank account, or credit card details.
• Hang up or ignore the message; legitimate prizes do not require upfront payment.
• Report the contact to the Federal Trade Commission at reportfraud.ftc.gov.