Overpayment scams are on the rise, and they can leave victims thousands of dollars in debt. The setup usually looks harmless: someone sends you a check for more than the agreed amount, asks you to forward the difference and disappears once the check bounces. Below are five of the most common overpayment scams you need to watch for today.

1. dog walker overpayment scam

Scammers sometimes pose as pet owners—or anyone offering simple work—and promise quick cash. They’ll send you a check for far more than the agreed-upon amount and then ask you to forward the extra money to a third party, like a “retailer” or “shipping company.” The check looks real, so your bank may release the funds at first. But when it bounces, the money you already sent is gone—and you’re left responsible for the full amount.

Tip: If you're asked to forward money to a third party, especially one unrelated to the original deal, treat it as a scam. Keep the check and envelope as evidence, and report it to the FTC and your state attorney general.

2. online marketplace scam

Selling a couch, bike or electronics online? Some buyers "accidentally" send too much money. Then they ask you to return the difference through Zelle, Venmo or a wire transfer. Once the check or payment reverses, you've lost both the product and the money you returned.

Tip: Always insist on verified payment methods. If a buyer pushes you for a refund quickly, walk away. 

3. mystery shopper scam

That “easy money” mystery shopper job isn’t what it seems. Scammers send you a big check and tell you to buy gift cards, then send them the codes. Once the check bounces, you’re out whatever you spent.

Tip: A real company won’t pay you upfront or ask for gift card numbers by email.

4. rental deposit scam

Looking for a place to rent? Some scammers send a check for more than the deposit or rent, then ask you to send back the “extra.” When the check bounces, you’re left covering the loss.

Tip: Stick to secure payment portals or verified in-person transactions.

5. work-from-home equipment scam

Job hunters are a big target. The “employer” mails a large check for office gear, then tells you to forward leftover funds to a “vendor.” The check is fake, and the vendor is part of the con.

Tip: Real employers provide equipment themselves or reimburse actual expenses—not through overpayments.

Overpayment scams show up everywhere—online sales, job listings, rentals, even local forums. The setup’s always the same: you’re sent too much money and told to pass along the extra. If something feels off, trust your gut. Odds are, it’s a scam.

Look for more information about scams and other important information on our blog.