Technology
January scams surge: Why fraud spikes at the start of the year
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Every January, I hear from people who say the same thing: “I just got an email that looked official, and I almost fell for it.” That’s not a coincidence. January is one of the busiest months of the year for scammers. While most of us are focused on taxes, benefits, subscriptions, and getting our finances in order, criminals are doing their own kind of cleanup, refreshing scam lists and going after people with newly updated personal data. If you’ve ever received a message claiming your account needs to be “verified,” your benefits are at risk, or your tax information is incomplete, this article is for you.
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10 SIMPLE CYBERSECURITY RESOLUTIONS FOR A SAFER 2026
Scam messages often look urgent and official, pushing you to act before you have time to think. That pressure is exactly what criminals rely on. (Kurt “CyberGuy” Knutsson)
Why January is prime time for scammers
January is when scammers have everything they need. According to YouMail’s Robocall Index, U.S. consumers received just over 4.7 billion robocalls in January 2025, a roughly 9% increase from December 2024. This year, we can expect the same pattern from scammers.
They know:
But the biggest reason scams spike now? Your personal data is easier to find than you think. Data brokers quietly collect and update profiles year after year. By January, those profiles are often more complete than ever, and scammers know it.
The “account verification” scam you’ll see everywhere
One of the most common January scams looks harmless at first. You get a message saying:
- “Your Social Security account needs verification”
- “Your Medicare information has to be updated”
- “Your benefits could be delayed without action”
The message sounds official. Sometimes it even uses your real name or location. That’s where people get tricked. Government agencies don’t ask for sensitive information through random emails or texts. Scammers rely on urgency and familiarity to push you into reacting before thinking.
My rule: If you didn’t initiate the request, don’t respond to it. Always go directly to the agency’s official website or phone number, never through a link sent to you.
MAKE 2026 YOUR MOST PRIVATE YEAR YET BY REMOVING BROKER DATA
January is a prime time for fraud because people are dealing with taxes, benefits and account updates. Scammers know these messages feel expected and familiar. (Kurt “CyberGuy” Knutsson)
Fake tax and benefits notices ramp up in January
Another favorite scam this time of year involves taxes and refunds.
You may see:
- Emails claiming you owe back taxes
- Messages saying you’re due a refund
- Notices asking you to “confirm” banking information.
These scams work because they arrive at exactly the moment people expect to hear from tax agencies or benefits programs.
Scammers don’t need much to sound convincing. A name, an email address or an old address is often enough. If you get a tax-related message out of the blue, slow down. Real agencies don’t pressure you to act immediately.
Subscription “problems” that aren’t real
January is also when subscription scams explode. Fake messages claim:
Scammers know most people have subscriptions, so they play the odds. Instead of clicking, open the app or website directly. If there’s a real problem, you’ll see it there.
Why these scams feel so personal
People often tell me, “But they used my name, how did they know?” Here’s the uncomfortable truth: They probably bought it. Data brokers compile massive profiles that include:
- Address histories
- Phone numbers and emails
- Family connections
- Shopping behavior.
That data is sold, shared and leaked. Once scammers have it, they can tailor messages that feel real, because they’re built on real information.
10 WAYS TO PROTECT SENIORS FROM EMAIL SCAMS
The more personal data scammers have, the more convincing their messages become. Removing your information from data broker sites can help reduce targeted scams over time. (Kurt “CyberGuy” Knutsson)
What you should do right now
Before January gets any busier, take these steps to reduce your exposure to scams and fraud:
1) Remove your personal data from broker sites
Deleting emails or blocking numbers helps, but it does not stop scams at the source. Scammers rely on data broker sites that quietly collect, update and sell your personal information. Removing your data from those sites reduces scam calls, phishing emails and targeted texts over time. It also makes it harder for criminals to personalize messages using your real name, address or family connections. You have two ways to do this:
Do it yourself:
You can visit individual data broker websites, search for your profile and submit opt-out requests.This method works, but it takes time. Each site has its own rules, identity verification steps, and response timelines. Many brokers also re-add data later, which means you have to repeat the process regularly.
Use a data removal service:
A data removal service automates the opt-out process by contacting hundreds of data brokers on your behalf and monitoring for re-listings. This option saves time and provides ongoing protection, especially if you want long-term results without constant follow-ups.
While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.
Check out my top picks for data removal services, and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com
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2) Don’t click links in unexpected messages
If you did not initiate the request, do not click. Scam messages are designed to create urgency, especially around taxes, benefits and account issues. Instead, go directly to the official website by typing the address yourself or using a saved bookmark. This single habit prevents most phishing attacks.
3) Turn on two-factor authentication wherever possible
Two-factor authentication (2FA) adds a critical second layer of protection. Even if someone gets your password, they still cannot access your account without the second verification code. Start with email, financial accounts, social media and government services.
4) Check accounts only through official apps or websites
If you receive a warning about an account problem, do not trust the message itself. Open the official app or website, and check there. If something is wrong, you will see it immediately. If not, you just avoided a scam.
5) Watch for account alerts and login activity
Enable login alerts and security notifications on important accounts. These alerts can warn you if someone tries to sign in from a new device or location. Early warnings give you time to act before real damage occurs.
6) Use strong, unique passwords and a password manager
Reusing passwords makes it easy for scammers to take over multiple accounts at once. If one service is compromised, attackers try the same login on email, banking, and social media accounts. A password manager helps you create and store strong, unique passwords for every account without needing to remember them. Check out the best expert-reviewed password managers of 2026 at Cyberguy.com.
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Kurt’s key takeaways
January scams aren’t random. They’re targeted, timed and fueled by personal data that shouldn’t be public in the first place. The longer your information stays online, the easier it is for scammers to use it against you. If you want a quieter inbox, fewer scam calls and less risk this year, take action early, before criminals finish rebuilding their lists. Protect your data now, and you’ll be safer all year long.
Have you noticed more scam emails, texts or calls since the new year started? Let us know by writing to us at Cyberguy.com.
Sign up for my FREE CyberGuy Report. Get my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM newsletter.
Copyright 2026 CyberGuy.com. All rights reserved.
Technology
Microsoft’s Edge Copilot update uses AI to pull information from across your tabs
Microsoft Edge is adding a new feature that will allow its Copilot AI chatbot to gather information from all of your open tabs. When you start a conversation with Copilot, you can ask the chatbot questions about what’s in your tabs, compare the products you’re looking at, summarize your open articles, and more.
In its announcement, Microsoft says you can “select which experiences you want or leave off the ones you don’t.” The company is retiring Copilot Mode as well, which could similarly draw information from your tabs but offered some agentic features, like the ability to book a reservation on your behalf. Microsoft has since folded these agentic capabilities into its “Browse with Copilot” tool.
Several other AI features are coming to Edge, including an AI-powered “Study and Learn” mode that can turn the article you’re looking at into a study session or interactive quiz. There’s a new tool that turns your tabs into AI-powered podcasts as well, similar to what you’d find on NotebookLM, and an AI writing assistant that will pop up when you start entering text on a webpage.
You can also give Copilot permission to access your browsing history to provide more “relevant, high-quality answers,” according to Microsoft. Copilot in Edge on desktop and mobile will come with “long-term memory” as well, which can tailor its responses based on your previous conversations. And, when you open up a new tab, you’ll see a redesigned page that combines chat, search, and web navigation, along with the Journeys feature, which uses AI to organize your browsing history into categories that you can revisit.
Meanwhile, an update to Edge’s mobile app will allow you to share your screen with Copilot and talk through the questions about what you’re seeing. Microsoft says you’ll see “clear visual cues” when Copilot is active, “so you know when it’s taking an action, helping, listening, or viewing.”
Technology
Apple’s $250M Siri settlement: Are you owed cash?
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If you bought a newer iPhone because Apple made Siri sound like it was about to become your personal artificial intelligence sidekick, you may want to pay attention.
Apple has agreed to pay $250 million to settle a class-action lawsuit over claims that it misled customers about new Apple Intelligence and Siri features. The case centers on the iPhone 16 launch and certain iPhone 15 models that were marketed as ready for Apple’s next wave of AI. The settlement still needs court approval, and Apple denies wrongdoing.
The lawsuit argues that Apple promoted a smarter, more personal Siri before those features were actually available. For some buyers, that was a big deal. A new iPhone can cost hundreds of dollars, and many people upgrade only when they think they are getting something meaningfully new.
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WHY IPHONE USERS ARE THE NEW PRIME SCAM TARGETS
U.S. buyers of certain iPhone 16 and iPhone 15 Pro models may qualify for payments if a judge approves Apple’s proposed settlement. (Getty Images)
What Apple is accused of promising
Apple introduced Apple Intelligence in June 2024 and promoted it as a major step forward for iPhone, iPad and Mac. A key part of that pitch was a more personalized Siri that could understand context, work across apps and help with everyday tasks in a more useful way.
The lawsuit claims Apple’s marketing made consumers believe those advanced Siri features would arrive with the iPhone 16 or soon after. Instead, buyers received phones that had some Apple Intelligence tools, but not the full Siri overhaul that many expected.
That gap is the heart of the case. Plaintiffs say customers bought or upgraded devices based on AI features that were not ready. Apple says it has rolled out many Apple Intelligence features and settled the case, so it can stay focused on its products.
How much money could iPhone owners get?
The proposed settlement creates a $250 million fund. Eligible customers who file approved claims are expected to receive at least $25 per eligible device. That amount could rise to as much as $95 per device, depending on how many people file claims and other settlement factors.
That means this will not be a huge payday for most people. Still, if you bought one of the covered phones, it may be worth watching for a claim notice. A few minutes of paperwork could put some money back in your pocket.
Which iPhones may qualify?
The proposed settlement covers U.S. buyers who purchased any iPhone 16 model, iPhone 15 Pro or iPhone 15 Pro Max between June 10, 2024, and March 29, 2025.
Covered iPhone 16 models include the iPhone 16, iPhone 16 Plus, iPhone 16 Pro, iPhone 16 Pro Max and iPhone 16e. The settlement also includes the iPhone 15 Pro and iPhone 15 Pro Max, but not every iPhone 15 model.
The key details are the device model, the purchase date and whether the phone was bought in the United States.
HOW YOU CAN GET A SLICE OF APPLE’S $250M IPHONE SETTLEMENT
Apple has agreed to pay $250 million to settle claims it misled customers about Apple Intelligence and Siri features on newer iPhones. (Michael Nagle/Bloomberg)
How will you file a claim?
You do not need to do anything immediately. The settlement still needs a judge’s approval. Once the claims process opens, eligible customers are expected to receive a notice by email or mail with instructions on how to file through a settlement website.
That notice matters because scammers love moments like this. A real settlement notice should not ask for your Apple ID password, bank login or payment to claim your money. If you receive a message about this settlement, do not click blindly. Go slowly, check the sender and look for the official settlement administrator details once they are available.
Why this case matters beyond one Siri feature
This case hits a bigger nerve. Tech companies are racing to sell AI as the next must-have feature. That creates a problem for shoppers. You are often asked to buy now based on what a company says will arrive later.
That can be frustrating when the feature is the reason you upgraded. A smarter Siri sounds useful. A phone that can understand your personal context, search across apps and help with daily tasks could save time. But if those tools are delayed, limited or missing, the value of the upgrade changes.
This settlement also sends a message about AI marketing. Companies can talk about future features, but consumers need clear timing and plain explanations. “Coming soon” can mean very different things when you are spending $800, $1,000 or more.
We reached out to Apple for comment, but did not hear back before our deadline.
FIRST 15 THINGS TO DO OR TRY FIRST WHEN YOU GET A NEW IPHONE
Apple denies wrongdoing but agreed to settle claims tied to its marketing of Apple Intelligence and Siri features. (Qilai Shen/Bloomberg)
What this means to you
If you bought a covered iPhone during the settlement period, keep an eye on your email and regular mail. You may qualify for a payment if the court approves the deal.
You should also keep your receipt or proof of purchase if you have it. Your Apple purchase history, carrier account or retailer receipt may help if the claim process asks for details.
More broadly, this is a reminder to treat AI features like any other big tech promise. Before you upgrade, ask one simple question: Can the feature do what is being advertised today, or is the company asking me to wait?
That question can save you from buying a device for a future feature that may arrive much later than expected.
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Kurt’s key takeaways
Apple has built its brand on making technology feel polished, personal and easy to use. That is why this Siri settlement hits a nerve. People were buying phones they use every day for texts, photos, directions, reminders and everything in between. Many expected AI to make those everyday tasks easier, which is why the delay felt frustrating. The proposed payout may be modest, but the bigger issue is trust. When a company sells AI as a reason to upgrade, customers deserve to know what actually works now and what is still coming later.
Would you still buy a new phone for promised AI features, or would you wait until they actually show up? Let us know by writing to us at CyberGuy.com.
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Copyright 2026 CyberGuy.com. All rights reserved.
Technology
Instagram hits the copy button again with new disappearing Instants photos
Instagram is once again cribbing from competitors like Snapchat and BeReal with a new photo-sharing format it calls “Instants,” which are ephemeral photos that you can’t edit and that you can only share with your close friends or followers that follow you back. Instants are available globally beginning on Wednesday as a feature in the inbox in the Instagram app and as a separate app that’s now in testing in select countries.
To access Instants from the Instagram app, go to your DM inbox and look in the bottom-right corner for an icon or a stack of photos. After you post a photo, your friends can emoji react to it and send a reply to your DMs, but after they see it, the photo disappears for them. Instants also disappear after 24 hours, and they can’t be captured in screenshots or screen recordings.
However, your Instants will remain in an archive for you for up to a year, and you can reshare them as a recap to your Instagram Stories if you’d like. You can also undo sending an Instant right after you post it or delete it from your archive.
The Instants mobile app, which popped up in Italy and Spain in April, gives you “immediate access to the camera” and only requires an Instagram account, Instagram says. “Instants you share on the separate app will show up for friends on Instagram and vice versa. We’re trying this separate app out to see how our community uses it, and we’ll continue to evolve it as we learn more.”
Instagram, in its testing, has seen that people “tend to use Instants to share much more casual, much more authentic moments about their day,” according to Instagram boss Adam Mosseri. “And we know that this type of sharing of personal moments with friends is a core part of what makes Instagram Instagram, but we also know that a lot of people don’t really share a lot to their profile grids anymore.”
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