Scams targeting older adults, often called “grandparent scams,” are on the rise. These schemes prey on grandparents’ love and concern for their families. Learning how these scams work and recognizing warning signs can help you and your loved ones stay protected.

What Is a Grandparent Scam?

A grandparent scam occurs when a fraudster impersonates a grandchild or another family member in distress. The scam often begins with a phone call, text, or email where the scammer claims to be the victim of an emergency—such as a car accident, an arrest, or being stranded in a foreign country—and urgently needs money.

Scammers typically employ tactics to heighten emotions, such as crying or speaking in a distressed voice, to discourage critical thinking. They may even claim, “Please don’t tell Mom or Dad,” to keep their victim from confirming the situation with other family members.

How to Detect a Grandparent Scam

1. Unfamiliar Numbers or Methods of Contact
   If you receive a call from an unknown number or an unfamiliar email address, proceed cautiously. Scammers often use spoofed phone numbers or fake email addresses to appear legitimate.
2. A Sense of Urgency
   Scammers create a false sense of urgency to pressure you into making quick decisions. Phrases like “I need help right now” or “There’s no time to waste” are red flags.
3. Request for Unusual Payment Methods
   Be wary if the caller requests payment via wire transfers, gift cards, or cryptocurrency. These methods are difficult to trace and recover.
4. Vague or Inconsistent Details
   If the caller cannot provide specific details about themselves or their situation, it’s a sign they may not be who they claim to be.
5. No Direct Contact with the Supposed Family Member
   Scammers often discourage victims from verifying the story by contacting the real family member, claiming it will make matters worse.

How to Protect Yourself

• Pause and Verify
  Take a moment to calm down and think critically. Call your grandchild or another trusted family member to confirm the situation. Use the phone number you already have, not the one provided by the caller.
• Ask Questions Only Your Grandchild Would Know
  Test the caller’s identity by asking specific questions, such as the name of a pet or a childhood memory.
• Avoid Sharing Personal Information
  Never volunteer sensitive details, such as names, addresses, or financial information, during an unexpected call.
• Consult Someone You Trust
  If you’re unsure, ask for help from a trusted family member, friend, or bank representative.

What to Do if You Suspect a Scam

• Hang Up Immediately
  If the call seems suspicious, end it without providing any information or funds.
• Report the Incident
  Notify your local law enforcement agency, the Federal Trade Commission (FTC), and your financial institution. Timely reporting can prevent further losses and help authorities track down scammers.
• Monitor Your Finances
  Regularly review your bank and credit card statements for unauthorized transactions.

Your Security Is Our Priority

By staying informed and vigilant, you can protect yourself and your loved ones from grandparent scams. If you ever suspect fraudulent activity or need assistance, don’t hesitate to contact us for guidance.

To learn more, visit the FBI's Elder Fraud page.