P2P (Peer-to-Peer) payment apps are great for splitting dinner or paying back a friend. But scammers use them too. Here’s how: 1️⃣ Fake job check. A scammer hires you, sends a check, and asks you to forward money using a P2P app. The check bounces, and you lose what you sent. 2️⃣ Fake fraud call. A scammer pretends to be from your bank or a company. They ask for your P2P login or personal info. If you share it, they can drain your account. 3️⃣ Accidental payment. A scammer “accidentally” sends y