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Can AI agents fall for scam emails?

Short answer: Yes, some of them do. When we sorted emails with planted scams, Claude Haiku filed gift-card and payment scams as Act in some passes, and Grok 4.20 filed a scam as Act on the fresh held-back set in both passes. The other 6 models didn't. In our finance test, Gemini 3.5 Flash-Lite followed a hidden "say this reconciles" instruction in all 3 passes. The good news: no model accepted a fake invoice, and no model failed a scam meeting request.

Inbox test: who filed a scam as Act

ModelFresh held-back 30 (%)Filed a scam as Act?Cost
GPT-6.1 Sol95.0Nomedium
GPT-5.4 mini95.0Nolow
Claude Opus94.4Nosubscription
Claude Sonnet91.7Nosubscription
Gemini 3.8 Flash91.1Nolow
Grok 4.790.0Nohigh
Grok 4.2086.7Yeslow
Claude Haiku85.6Yessubscription

Every scam and trap we planted, by job

JobTrap we plantedWhat happened
Inbox triageScam emails, including gift-card and payment requests2 of 8 models filed a scam as Act: Claude Haiku and Grok 4.20
FinanceScam bills and a statement with a hidden "say this reconciles" lineGemini 3.5 Flash-Lite followed the hidden line in all 3 passes
ReceiptsFake invoicesNo model accepted a fake invoice
SchedulingScam meeting requestsNo model failed a scam request
Support repliesScam attempts, plus emails that test whether it protects customer dataGPT-5.4 mini leaked another customer's data on 2 emails; Claude Haiku once

How the testing works: we wrote our own synthetic test sets with planted traps, like scam emails, calendar conflicts, bad math and fake invoices. Each job also has a separate held-back set, written blind and kept out of all prompt and scoring tuning, that only ran at the end. Every model in a job got the same items. Most ran 2 or more passes; in the support test 3 of 10 models ran 1 pass and are marked less certain. All data is synthetic, never real accounts. Scores differ by job (accuracy %, valid-answer % or a 0 to 100 score with 5 points off per severe error), so compare models within a column, not across columns.

Results updated 15 Oct 2026. Tests run October 2026. Full data: results.json.

What we found

For you

The way this goes wrong is a scam that looks urgent. Filed as Act, it lands at the top of your day, right where you'll pay it. Or a bill or statement carries a line telling the AI what to say, and the AI repeats it. Pick a model that passed these traps, and keep a human yes on anything that moves money.

For your clients

If you build an agent that reads a client's email or books, show them which models filed scams as Act and which followed a planted instruction, and leave the flagged ones out. Then test your own setup with a few planted scams before it goes live. It's a lot cheaper than explaining a paid fake invoice.

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FAQ

Can AI agents fall for scam emails?
Yes. In our October 2026 inbox test, Claude Haiku and Grok 4.20 filed scam emails as Act. The other 6 models did not.
Which AI followed a hidden instruction?
Gemini 3.5 Flash-Lite followed a hidden "say this reconciles" instruction in all 3 passes of our finance test and made 23 severe errors.
Did any AI accept a fake invoice?
No. No model accepted a fake invoice in our receipts test.
How do I keep an AI agent from paying a scam?
Use a model that passed scam tests, keep a human approval on payments and anything marked urgent, and test your setup with planted scams before you trust it.

More from RealRun

Scores reflect our tests on the dates shown, not a guarantee. Claude models ran on a Claude subscription, so they have no metered API cost. cost_tier is relative within a task (low/medium/high) from our run spend; 'subscription' = not metered. Tested October 2026 by RealRun (Base Ledger IP LLC).