The Financial Ombudsman Service has reported a concerning trend in complaints regarding fraud and scams, with approximately 31,300 cases logged throughout 2025. A significant portion of these complaints, around 20,000, involved authorized payment scams wherein individuals unknowingly transferred money to fraudsters, often through mechanisms like credit or debit card transactions. This indicates a troubling level of vulnerability among consumers who are looking to invest or earn money through various online opportunities.

More than half of these authorized payment scam complaints were linked to online investment schemes that frequently begin with enticing advertisements on social media platforms. As the demand for online investment grows, so does the sophistication of fraudsters, who target unsuspecting individuals seeking legitimate financial opportunities. The ombudsman has expressed concern that with the rise of these scams, it is becoming increasingly easier for fraudsters to exploit consumers, emphasizing the need for heightened awareness and precautions among investors.

In light of this situation, the Financial Ombudsman is urging consumers to remain vigilant when considering investment opportunities online and to thoroughly vet any company or scheme before making financial commitments. With the increase in complaints and the potential for significant financial losses, the ombudsman's warning serves as a crucial reminder for individuals to be cautious in their dealings with unknown entities and to report any suspicious activities promptly.