Just this last week I've had three encounters with such scams
A telephone call advising I've been automatically signed up for an Amazon Prime account for £79.99, and suggesting I press 1 to accept and go ahead, or press 2 to discuss - complete nonsense of course. I just leave the phone off the hook in the hope it's costing someone some money.
An email advising my Microsoft subscription had been cancelled, and I should expect email to stop later that day, unless I logged in and verified my account beforehand.
Hovering my cursor over the very authentic looking Microsoft logo revealed the link was to a very non-MS URL
Then, just this morning, an email purporting to be from PayPal and advising I was the recipient of a £500 refund.
A refund PayPal had organised following their spotting an unauthorised payment from my account - and that it was now essential I login and change my password to prevent a repeat.
Again, a very convincing email, and again a very dubious URL when mouse cursor hovered over Login link
And what a novel backstory!! Very plausible. Unfortunately.
Such fishing scams used to be obvious.
Poor grammar, poor Reply-to addresses, etc
But this new batch, with the new feature of addressing you directly by name, instead of "customer" "user" etc, are very convincing
Be careful!