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No its not the NSA snooping, its something called Near Field Communications (NFC) Attacks. Bluetooth and WiFi are the most popular services on cell phones that are used to communicate with Near Field Devices such has ear buds, card readers, mobile hot-spots and even the stereo in your car can be paired with your cell phone. This is a huge problem, although its a great convenience. Near Field Communication attacks are very common, and becoming even easier to do for the common un-trained unethical person.
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So now that you know about NFC attacks with Bluetooth How can you prevent it? This is very simple, just disable Bluetooth and Wireless. Yes i said and Wireless. These devices can exploit your phone via Bluetooth and the WiFi connection. So if you know you are going to go somewhere where there will be a lot of people, take the extra precaution and disable your Bluetooth and WiFi.
How do i know if a NFC attack happened to me? You don't, your phone will not send some kind of alert or generate some sort of log file that you can look at, you wouldn't even know if your cell phone has been cloned.
My biased opinion on cellphones: Yes i have a smart phone and use it, but i only use it for, texting and phone calls. I don't download games onto my phone, I NEVER login or check anything financial on my phone. Especially threw a mobile network. Do you even realize how un-secure the connection is between your cell phone and the tower? I could do a whole article on just that....
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I once had a client not to long ago come to me bragging about his new phone with facial recognition he shows it off and locks the phone, i took out my phone snapped a picture of his face, held it to his phone and what do ya know.... Unlocked :)
Be safe, Be Smart, don't be to paranoid just educate yourself before sacrificing convenience over security