Scammers largely owe this newfound capability to technological advancements, like the rise of generative artificial intelligence (AI) models and tools. The internet itself has already given fraudsters a boost in efficiency. However, data show that things aren’t slowing down as time goes on. The number of fraud and identity theft reports increased by 1,861% between 2001 and 2024 alone.
The rise of technology-based scams has allowed fraud to proliferate in many U.S. metropolitan areas. Below, PeopleFinders takes a look at the areas most affected by the rise in fraud, according to recent metrics from the Federal Trade Commission’s (FTC’s) Consumer Sentinel Network Data Book.
Before analyzing the hotspots where fraud is most likely to occur, we first have to define what “fraud” actually means and looks like.
Today, fraud involves a lot more than simple deception. It overwhelmingly occurs through digital channels, and it can target victims from multiple angles: threats to privacy, identity theft, financial theft, and even romance scams hide behind unidentified names or numbers.
A common tactic scammers use is phishing, which involves sending messages purporting to be from financial institutions or other trusted organizations to potential victims. The emails seek personally identifiable information (PII) that could allow fraudsters to impersonate victims and, crucially, obtain money or other assets.
The content of scammers’ messages varies; some may claim to offer “exciting” investment opportunities and ask victims for their bank account information. Other times, victims may be offered “lucrative” jobs that require Social Security numbers. Job scams alone cost Americans an estimated $501 billion in 2024, a fivefold increase from 2020 ($91 billion).
Overall, the Federal Trade Commission (FTC) logged $12.5 billion in fraud losses throughout 2024. An equally sobering fact is that 73% of Americans in a Pew Research survey reported encountering some form of online fraud or scam.
Almost every U.S. metropolitan area saw a greater number of fraud reports in 2024 compared to 2023. Some experienced steep increases, though. Many of the worst offenders are located in the growing Sun Belt.
1. Baton Rouge, Louisiana
Although the Baton Rouge metro area in Louisiana has seen relatively modest growth over the past few years, the increase in fraud reports has been striking. The area avoided the top-50 fraud list in 2023 but ranked #23 in 2024, with 1,830 reports per 100,000 residents.
2. Orlando, Florida
This central Florida area, home to the internationally renowned Walt Disney World, is not the most magical place on earth for many of its residents. The fraud reporting rate per 100,000 residents rose from 1,602 to 2,330 in 2024, one of the largest increases logged by the FTC.
3. North Port-Bradenton-Sarasota, Florida
You don’t have to travel far for the next metro, which sits just south of Tampa and St. Petersburg. Residents noted 19,410 instances of fraud in 2024, good for 2,244 per 100,000 residents. That’s a sharp increase from the rate of 1,555 in 2023.
4. Miami, Florida
Fraud was already prevalent in South Florida in 2023, but the rate skyrocketed during 2024. Miami’s people reported 2,793 instances of fraud per 100,000 residents, which placed first among all U.S. metros in 2024. The rate in 2023 was a relatively modest 1,775, which still ranked fourth nationwide.
5. Charleston-North Charleston, South Carolina
This coastal metro saw a huge jump in fraud reports between January 2024 and January 2025. The total number (17,509 from 9,721) nearly doubled year to year.
6. East Stroudsburg, Pennsylvania
One of the smallest metros on the top-50 list, East Stroudsburg ranked 45th in the U.S. fraud rate in 2023 but jumped to 12th in 2024. Reports per 100,000 residents increased from 1,219 to 1,986.
7. Odessa, Texas
An even smaller metro than East Stroudsburg, Odessa in western Texas recorded 1,901 fraud incidents per 100,000 residents in 2024, for a total of 3,332 reports. The rate in 2023 was a modest 1,203.
The increased adoption of AI technologies is a major reason for the recent rise in fraud. Scammers can now automate many of their tasks, allowing them to contact a substantial number of potential victims in a short time period. Deepfakes, which are incredibly detailed AI-derived videos designed to show people falsely doing or saying something, have also contributed.
Another important component of rising fraud is the proliferation of Bitcoin and other cryptocurrencies. The decentralization and lack of robust regulations make the cryptocurrency market an especially lucrative scene for scammers.
Generally, though, fraud is simply a numbers game. The more online accounts a person has, the more channels fraudsters can use to reach potential victims. That’s why younger people actually experience online fraud at a greater rate than older adults.
Enough of the doom and gloom—you have a number of tactics and tools to protect yourself against online malicious actors.
While these strategies offer good protection against fraudsters and scammers, there’s really no substitute for vigilance and healthy skepticism while using the internet. If something doesn’t seem right, follow your gut, and don’t hesitate to tell the FTC about suspicious messages or interactions.
This story was produced by PeopleFinders and reviewed and distributed by Stacker.