The FTC is warning that dishonest companies buy paid search ads so their site outranks the real one when you look up a company's bill-payment page, then tack on fees you never agreed to — the same week it renewed its warning that an unordered package on your doorstep can carry a QR code built to phish you, not just fake reviews in your name.
Never pay a bill through a sponsored/ad search result and never scan a QR code from a package you did not order — go to the company's site by typing the address yourself.
Why it's "Elevated" today
We don't predict the future. This level reflects what is verifiably happening right now.
An FTC consumer alert (August 17, 2026) warns that when you search online for a company or agency's bill-payment page, the top result can be a paid search ad for a site with no relationship to that company — and once you try to pay, the site tacks on fees you did not expect. The FTC ties this directly to a live enforcement action: bill-payment firm Doxo agreed to pay $2.1 million to settle FTC allegations that it used misleading search ads to impersonate billers including Labcorp, AT&T, and state toll authorities, then charged consumers undisclosed add-on fees. The FTC's advice: scroll past sponsored results and type the company's web address into your browser directly.
FTC Consumer Alert (August 17, 2026): Searching online: bill pay impersonators; FTC press release (August 2026): Bill Payment Firm Doxo to Pay $2.1 Million to Settle FTC AllegationsAn FTC consumer alert (August 20, 2026) renews its warning on "brushing" scams: an unexpected package — cheap, random contents like baby wipes, toothpaste, or seeds, addressed to you but never ordered — that a seller uses to fake a "verified purchase" review in your name. The FTC flags a newer twist: some packages include a note with a QR code claiming to reveal the sender or process a return, and scanning it can lead to a phishing site built to steal card numbers, usernames, or passwords.
FTC Consumer Alert (August 20, 2026): That unexpected package you got could be a brushing scamActive right now
The scams behind today's level.
The sponsored result at the top of your search is not vetted for who runs it. A site with no relationship to your biller can outrank the real one and add fees you never agreed to. Skip the ad and type the company's address yourself.
Read the guideA mystery box you never ordered usually means a seller is faking reviews in your name — and a QR code inside it, promising to reveal the sender, can lead to a phishing site instead. Keep the item, skip the code.
Read the guideEditorial, not algorithmic. Risk levels are a transparent editorial judgment based on a published rubric — with sources, never pseudo-precise scores.
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