As a child?
Games didnt really scare me as most wernt
Recentish ones

Playing Resi 4, dark cold evening, later on in the game, ive had bugger all sleep
Im sat on my sofa, really on edge (caffine), I have no herbs left very little ammo
I hear a regenerator noise.
Then I turn round and JUST THEN!
My phone goes off in my pocket scaring the bloody hell outa me