Percy For texts, calls & lettersGet Percy, free

Percy · the second pair of eyes

Can youspot ascam?

Most people think they can. Then a text arrives at 2 AM that knows their name, their bank and their last purchase.

Take the quiz Ask Percy

3 minutes · no sign-up · see how scam-smart you are

United States & Canada

Scams don't look like scams anymore. They look like your bank, your toll road, your grandson. They come by text, by mail, by phone and in your browser, and they all want one thing: for you to act before you check.

The part nobody sees

$15.9 billion

was reported lost to fraud in the US in 2025. And that's only what people reported.

Reported to the FTC, 2025$15.9B
The FTC's estimate of the full cost of fraud, 2024up to $195.9B

Sources: FTC testimony, March 2026; FTC estimate of the total cost of fraud for 2024.

Most people never report it. Some never find out.

Some are too embarrassed to tell anyone. Others don't know it happened. A small charge goes out every month and nobody looks twice. A new “friend” needs a little more help each week. An investment keeps “growing” until the day you try to take it out.

By the time someone notices, it can be years and thousands of dollars later.

Lost by people 60 and older, 2025FBI IC3 2025 report$7.7B
Fraud reports made to the FTC, 2025FTC, March 20263M
Checking ···· 0000 · exampleAmount
OCT 03WEB*CLOUDPLUS 888-555-0147$9.99
OCT 10GROCERY OUTLET84.12
SEP 03WEB*CLOUDPLUS 888-555-0147$9.99
SEP 13SHELL OIL 574141.06
AUG 03WEB*CLOUDPLUS 888-555-0147$9.99
AUG 16CITY WATER UTIL62.40
JUL 03WEB*CLOUDPLUS 888-555-0147$9.99
JUL 19PHARMACY 019312.99
Paid to “CLOUDPLUS” since 2023$359.64
36 months. Nobody noticed.

Why it's harder now

AI made scams look real

The old tells are gone. No spelling mistakes, no strange grammar. Scammers use AI to write perfect messages, build shops in minutes and copy voices.

From +44 7700 900461 · 2:16 AM
Dear Costumer, You acount has been suspend. Click here imediately to verify you identity or it will be close!! bit.ly/3xK9q
5 spelling mistakesforeign numbermystery link
From +1 (480) 555-0122 · 2:16 AM
Hi Margaret, this is Hannah from your bank's fraud team. We stopped a $1,240 Zelle payment from your checking account at 2:14 AM. If this wasn't you, reply NO and I'll call you to secure your account.
knows your namelocal numberno mistakes

Drag the line to compare.

Five years ago: From +44 7700 900461 · 2:16 AM. 5 spelling mistakes, foreign number, mystery link.

Today: From +1 (480) 555-0122 · 2:16 AM. knows your name, local number, no mistakes.

Perfect writingIt knows your name, your bank and the time.
Copied voicesA short clip from social media can be enough to fake a voice. The FBI warns about this.
Shops in minutesA fake store can look real, with reviews, and be gone next week.

So Percy does the homework for you.

You can't tell by looking anymore. So Percy doesn't just look. It researches, like a careful friend with time on their hands: who sent it, where the link really goes, how old the website is, and what the real company says.

Then it matches what it finds against hundreds of thousands of known scams, and tells you plainly what it could and couldn't confirm. In seconds.

Percy's check · toll text9:14 AM
Read what it asksPay $6.85 through a link by Oct 18.
Found E-ZPass's own websiteFrom an independent source, not the text.
The link goes somewhere elseezpass-tolls.top, set up 3 days ago.
Matched known scamsThe same text was reported many times this week.
Found a warningThe FTC warns about unpaid toll texts.
Looks like a scam
I think this might not be what it seems. If you want to be sure, log in at the toll site you normally use.

What Percy knows

500,000+

scams mapped into patterns. Every night Percy reads new warnings and adds what it finds, so it can spot the next version of an old trick. Every check you send is matched against all of them.

A letter · you took a photo
National Unclaimed Property Recovery BureauPO Box 4410 · Sacramento, CA 95812
October 9, 2026File No. CA-2210-7781

MARGARET L. HAYES
1820 ELM ST
SPRINGFIELD, IL 62704

RE: FINAL NOTICE OF UNCLAIMED PROPERTY

Our records show $2,340.12 is held in your name. To release these funds, you must call 1-888-555-0193 within 10 days and pay the $49 processing fee.

R. WhitfieldClaims Director

real ones are free to claim
Percy
Looks like a scam

I think this letter wants a fee before it pays you. State treasurers warn about this.

What I checked

  • Real unclaimed money is free to claim.
  • The number isn't on your state's unclaimed property site.

What I'd do

I'd hold off on calling. If you want to be sure, search your name on your state's own site.

Ask a follow-upTell my helper

Private by design

Percy does as much as it can on your phone. When you share a text, an email or a link, names, numbers and addresses come out on your phone, before any AI model sees it.

Hi Margaret, your card ending 4471 was used at 1820 Elm Street. Call us now to stop the charge.What the AI model sees: the message with private details removed, plus its links and web addresses. Your vault, your saved people and your name never leave the phone. The scam database does not keep your lookups. Photos are different today: to read a letter or a screenshot, the picture goes to an AI service to get its words, and then Percy hides the private details.
Not in the AI.Your private details are taken out before the AI model reads your message.
No passwords.Percy never asks for them.
No codes.Percy never asks for the codes sent to your phone.
No money.Percy never moves or holds your money.

Every week

The Percy Post

Short stories about the scams reaching real people right now. What happened, how the trick worked, and the one thing that would have stopped it. Five minutes a week, and you'll spot the next one.

Read the Post

How many can you spot?

Tap the parts of this text that a scammer would use. There are three.

From +1 (213) 555-0164 · Today 8:41 AM
: Your package could not be delivered due to an incomplete address. or it will be returned. Visit and pay the .

0 of 3 found

Take the quiz and see how scam-smart you are

Every scam has a tell.
Percy helps you see it.

Download the app

Free beta on iPhone · United States & Canada · Set it up for a parent in five minutes