Fraud and scam complaints have reached an all-time high, according to recent reports. The Financial Ombudsman Service noted that customer complaints about banking-related frauds and scams are at their highest levels since before the pandemic. This surge, which has hit a six-year high, is dominated by APP (Authorised Push Payment) fraud, a significant contributor to the increase in complaints. The rise in fraud and scam incidents highlights the growing need for vigilance and awareness among consumers to avoid falling prey to these schemes, including common payment app scams.