A billion-dollar scam, referred to as The Phantom Hacker Scam, is cleaning out the retirement funds of seniors across America, and the FBI has issued a red alert .

Active since at least 2024, The Phantom Hacker Scam uses a three-pronged phishing attack to drain your bank account . In an interview with Fox News Digital , cybersecurity expert Pete Nicoletti warns that scammers use artificial intelligence to identify personal interests (especially older users on Facebook) to gain access to your life and accounts. For example, he cites a potential victim who is an avid car collector.

"[Scammers] send you an email or a message saying, 'hey, that Corvette that you ordered a month ago is now available. It's, you know, for $500, you can get it… and we'll deliver it to you right away," Ni

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