网购与抽奖诈骗2024年报告损失7.83亿美元：单笔不大、总量惊人的日常小额诈骗

联邦贸易委员会（FTC）《消费者哨兵网络数据手册2024》显示，网购与负面评价类诈骗2024年有383,441件报告，为报告数第二多的类别，总损失4.32亿美元，中位数损失仅130美元；大奖、抽奖与彩票类诈骗97,350件报告，总损失3.51亿美元。两类合计报告损失7.83亿美元。本篇梳理二手交易、门票、假客服、假招聘等日常小额诈骗的官方数据与识别口径。

报告量大、单笔小

网购类诈骗的中位数损失130美元，是损失前五类别中最低的，但报告数仅次于冒充类。商业与就业机会类诈骗同年126,217件报告，总损失7.51亿美元，中位数损失2,250美元，涵盖假招聘与虚假赚钱机会。FTC按联系方式的数据显示，经社交媒体接触的报告中70%报称有损失，比例为所有联系方式最高；二手交易与网购纠纷多经社交媒体、网站或App发生。

门票诈骗与付款红线

加州检察长办公室的票务诈骗警示给出明确付款红线：不要用礼品卡、预付借记卡、电汇或加密货币买票，要求以这些方式付款是诈骗的强烈信号；被骗后可向检察长办公室（oag.ca.gov/report）、商业改进局（BBB）与FBI互联网犯罪投诉中心（IC3）报告。FTC数据印证了这条红线：2024年礼品卡付款损失2.12亿美元，支付App付款损失3.91亿美元，现金付款损失3.08亿美元。

退款案例：钱并非全都追不回

本站报道，FTC已向65,022名消费者发放逾980万美元退款，源于沃尔玛未阻止汇款诈骗一案。密歇根州州长签署的两党法案中也包括针对礼品卡欺诈的条款。本站另报道，Sacramento县一名男子冒充旧金山49人队球员行骗，已被以共谋电信欺诈起诉——冒充名人与官方身份同样是小额诈骗的常见外衣。

官方识别要点汇总

据FTC与加州检察长办公室口径：要求以礼品卡、预付借记卡、电汇或加密货币付款，是诈骗的强烈信号；社交媒体上的名人代言、保证回报广告多为盗用照片或AI生成影像，投资类广告应先以公司名加「scam」或「complaint」搜索核查；假客服与假招聘均以脱离原平台沟通、先付费或先提供个人信息为典型环节；约会软件方面，联邦法律已要求平台向用户发出诈骗封禁提示（本站2026年10月20日报道）。举报通道：ReportFraud.ftc.gov、ic3.gov、oag.ca.gov/report。

来源：GSM·美国

关联：FTC向65,022名消费者发放逾980万美元退款 源于沃尔玛未阻止汇款诈骗案

关联：Sacramento县男子冒充49人队球员行骗被起诉：涉共谋电信欺诈 已首次出庭

关联：密歇根州州长签署两党法案，涉及大麻教育与礼品卡欺诈

关联：美国2024年诈骗报告损失125亿美元：FTC与FBI数据揭示华人社区为何成为重点目标（本系列总论）

Online Shopping and Prize Scams Reported $783 Million in Losses in 2024: Small Individual Losses, Enormous Totals

Online shopping and negative review fraud drew 383,441 reports in 2024 — the second-highest report count of any category — with total losses of $432 million and a median loss of just $130, according to the FTC's Consumer Sentinel Network Data Book 2024. Prizes, sweepstakes and lottery scams drew 97,350 reports and $351 million in losses. Together the two categories account for $783 million in reported losses. This article reviews the official data and red flags for everyday small-dollar fraud: marketplace deals, tickets, fake customer service and fake jobs.

High volume, small individual losses

The online shopping category's median loss of $130 is the lowest among the top five loss categories, yet its report count trails only imposter scams. Business and job opportunity scams drew 126,217 reports and $751 million in losses in 2024, with a median loss of $2,250, covering fake jobs and bogus money-making offers. By contact method, the FTC found that 70 percent of reports that began on social media reported a loss — the highest share of any channel; secondhand deals and shopping disputes typically play out over social media, websites or apps.

Ticket scams and the payment red line

A California Attorney General ticket-fraud alert draws an explicit payment red line: do not buy tickets with gift cards, prepaid debit cards, wire transfers or cryptocurrency — being asked to pay in these ways is a strong sign of a scam. Victims can report to the Attorney General (oag.ca.gov/report), the Better Business Bureau and the FBI's IC3. FTC data back up the red line: 2024 losses paid by gift card totaled $212 million, by payment app $391 million and by cash $308 million.

Refunds do happen

GSM has reported that the FTC sent more than $9.8 million in refunds to 65,022 consumers, arising from a case over Walmart's failure to stop money-transfer fraud. Legislation signed by Michigan's governor also included provisions addressing gift card fraud. In another case GSM covered, a Sacramento County man who posed as a San Francisco 49ers player was charged with conspiracy to commit wire fraud — impersonating celebrities and officials is a standard disguise for small-dollar schemes as well.

Official red flags, consolidated

From the FTC and the California Attorney General: demands to pay by gift card, prepaid debit card, wire transfer or cryptocurrency are a strong sign of a scam; social-media ads featuring celebrity endorsements and guaranteed returns commonly use stolen photos or AI-generated imagery, and investment ads should first be checked by searching the company name together with "scam" or "complaint"; fake customer service and fake job schemes typically move the conversation off the original platform and demand payment or personal information up front; and federal law now requires dating apps to send users fraud-ban notices, as GSM reported on October 20, 2026. Report at ReportFraud.ftc.gov, ic3.gov or oag.ca.gov/report.

Source: GSM·USA

Related: FTC Sends More Than $9.8 Million to 65,022 Consumers Harmed in Walmart Wire Transfer Case

Related: Sacramento County Man Posing as San Francisco 49er Indicted for Conspiracy to Commit Wire Fraud, Makes Initial Court Appearance

Related: Michigan Governor Signs Bipartisan Bills on Cannabis Education, Gift Card Fraud

Related: US Fraud Losses Reported in 2024 Hit $12.5 Billion: FTC and FBI Data Show Why Chinese Communities Are Being Targeted (series overview)

来源：GSM·美国（原文链接）

图片来源：美国海关与边境保护局人员查验查获的假冒名牌手提包（美国海关与边境保护局 CBP 官方照片，公共领域）— via Wikimedia Commons / A CBP officer inspects seized counterfeit designer handbags (U.S. Customs and Border Protection, public domain) — via Wikimedia Commons

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