{"success":true,"data":{"id":"overpayment-reversal-scam","label":"Overpayment reversal scam","description":"Email claims the sender accidentally overpaid or sent money to the wrong account and asks the recipient to return the difference via Zelle, Venmo, Cash App, gift cards, or wire transfer — a classic overpayment fraud where the original payment is a fake or bounced cheque that clears from the victim's account only after they send the \"refund\"; FTC 2025 reports $3.4B in consumer losses from this pattern.","tier":"danger","category":"scam","isThin":false}}