uses email messages or IMs that appear to be from those you do business with, such

Phishing

Explanation:

Phishing can be regarded as a cybercrime, it is when someone is masquerading him/her self as someone you trust to get the target information such as bank credit card, personal data and others from you as their target.

It should be noted that Phishing uses email messages or IMs that appear to be from those you do business with, such as your bank, credit card company, or social network.