Stay Vigilant: Common Scams Targeting Seniors

As technology evolves, so do the tactics scammers use to deceive and exploit. Unfortunately, older adults are often primary targets due to factors like trust in authority, unfamiliarity with new technologies, or simply being more available to answer calls and emails. Whether it’s a phone call that seems official or a convincing message from “Social Security,” it’s important to be aware of the common scams targeting seniors today—and how to avoid them.

Government Impersonation Scams

One of the most common scams involves someone pretending to be from a government agency. These scams often come via phone, email, or even text messages. A scammer claims to be from the IRS, SSA, Medicare, or even local law enforcement. They might say you owe back taxes, your Medicare card needs to be reissued, or there’s a warrant for your arrest. The goal? To pressure you into handing over personal information or paying money immediately, often through untraceable methods like gift cards or wire transfers.

Remember: Real government agencies will never threaten you over the phone or demand immediate payment.

Social Security Scams

Social Security scams are a specific type of government impersonation fraud. You might receive a call claiming your Social Security number has been “suspended” or that there is another issue. The scammer may sound urgent or even aggressive, demanding verification of your number or instructing you to transfer funds.

Don’t be fooled: The Social Security Administration will never call and threaten to suspend your number. If there’s a real issue, they’ll send a letter first.

AI-Powered Voice Cloning Scams

This is one of the newest—and most chilling—types of fraud. With AI tools, scammers can now mimic voices with eerie accuracy. You might receive a call that sounds just like your grandchild or family member, claiming they’re in trouble and need money. The voice might be pleading, crying, or saying they’ve been in an accident or arrested. The scammer may also urge secrecy.

Protect yourself: If something feels off, hang up and call your loved one directly using a number you know is real.

Tech Support Scams

Tech support scams exploit fear and confusion about computers and online safety. You might receive a pop-up message on your screen claiming your computer is infected with a virus, or get a call from someone pretending to be from Microsoft or Apple. The scammer will urge you to grant remote access to your device or pay for unnecessary repairs or antivirus software.

Warning Signs:

Remember: Real tech companies don’t call you out of the blue or request remote access unless you initiated the contact.

Fraudsters are constantly evolving their methods, but staying informed is the first step to staying safe. Visit our fraud center to learn more about fraud and how to protect yourself!