Scam guides in plain language
Short guides to the scams that cost older adults the most. Each one explains how it works, the warning signs, what to do, and where to report it, with links to the official source.
Fake "government" calls, texts and emails
Real government agencies do not call, text, email or message you to demand money or personal information, and none will tell you to pay with gift cards, wire transfers, cryptocurrency or a payment app.
Fake virus pop-ups and "tech support" calls
Real security warnings never ask you to call a phone number, and legitimate tech companies do not contact you out of the blue to say your computer has a problem.
"Your money is in danger. Move it now."
Nobody legitimate will ever tell you to move or withdraw your savings to "protect" it. Hang up and call your real bank at a number you already have.
"Grandma, I'm in trouble" calls
Do not trust the voice. Hang up, then call your family member on a number you already have, or check with another relative.
Online romance and "can't-miss" investments
Never send money or gifts to someone you have not met in person, and be very careful with anyone online who steers you toward investing.
Scam texts about tolls, packages and recalls
Do not click links in unexpected texts. Check with the company or agency using a phone number or website you already know is real.
Calls and texts about your Medicare card or benefits
Medicare sends your card automatically for free and will not call, email or text to sell you anything or ask for your Medicare number. You never have to pay for your Medicare card.
How a scammer asks to be paid is the biggest clue
If someone tells you to pay with a gift card, Bitcoin ATM, wire transfer, payment app, cash in the mail, or cash or gold handed to a courier, it is a scam.
"You've won!" and "you've inherited" scams
If you have to pay a fee or tax to claim a prize, lottery win or inheritance, it is a scam.
Not sure which one fits? Use the red-flag check.