Tag / scams

by joshuastanley720

The Rising Risk of Senior Romance Scams

Where there’s a kind heart in search of love, there’s an opportunity for romance scams.

These cases are surging, especially among older adults. In 2025, they took victims for $600 million. Seniors experience the highest financial losses, often losing tens of thousands or more.

They’re often targeted because they have more money to steal, and many are looking for love after losing a spouse, emptying their nest, or walking away from the companionship of the workforce. Let’s discuss how these scams might look, and how you can stay safe.

Senior Romance Scams: Sudden Connections, Urgent Requests

When Pamela, 67, started chatting with a kind, widowed engineer on social media, she thought she’d finally found companionship. “Ben” said he was working on an oil rig in the Norwegian Sea. His messages were warm, thoughtful, and emotionally engaging. He even talked about meeting in person. But soon, the tone changed – subtle hints of danger, urgent financial needs, and finally, a request for $3,000 to “cover his share” of a repair bill.

Pamela didn’t fall for it. But many do.

These scams follow familiar patterns: a sudden emotional connection, a too-good-to-be-true backstory, and then an emergency that only you can help solve. Scammers pose as military officers, overseas workers, and widows or widowers starting over. Their goal is to earn your trust, then exploit it.

To stay safe, experts recommend:

  • Never send money or valuables to someone you haven’t met in person.
  • Watch for rushed emotional connections. “I love you” shouldn’t come in week one.
  • Insist on a video call. Is their camera broken? Connection bad? Excuses are a red flag.
  • Talk to someone you trust. Scammers thrive in secrecy.
  • Report suspicious messages at ReportFraud.ftc.gov or ic3.gov.

Romance scammers steal more than money. They exploit hope, connection, and trust. But if you’ve been targeted, you’re not to blame. These are professional criminals, not just opportunists.

By spreading awareness and talking openly about these scams, we can help protect ourselves and others. Share this article with someone you care about – you just might save them from heartbreak and financial loss. For more tips on staying safe from scams, follow The Seniors Center blog.

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by joshuastanley720

Watch Out for Summer Travel Scams – Here’s How to Stay Safe

Summer is prime time for fun, road trips, and vacations. Unfortunately, it’s also a prime opportunity for summer travel scams.

With people booking trips, hitting the road, and spending more money online, scammers see an opportunity. Here are a few of the most common summer travel scams to watch for, along with ways to stay one step ahead.

One big red flag? Unbelievable hotel or event deals that pop up in texts, emails, or social media ads. If the price seems too good to be true, it probably is. These scams often ask for upfront payment or your personal info to “hold” the booking. Instead, always book directly through trusted websites or the hotel’s official site.

Another one making the rounds is the fake toll or traffic violation scam. You might get a message saying you owe money for missing a toll or speeding. Don’t click the link or call the number. These scammers are trying to steal your money, driver’s license number, and more. If you’re unsure if the claim is legitimate, contact the local toll collecting organization.

Everyone has encountered the persistent telemarketers who promote car warranties and travel insurance. But some aren’t just trying to sell you something. Instead, they want to steal your info and defraud you. Hang up. Don’t press any buttons or answer any voice prompts. If you want to shop for a warranty or insurance, contact the sellers directly yourself.

The best rule? Never share your personal or payment info with someone you don’t know or trust. If anything feels off, end the call, close the email, or exit the text. Then go straight to the source, and use a number or website you find yourself.

Bonus tip: set up alerts on your bank and credit cards so you catch unauthorized charges quickly. And keep your devices updated and secured with strong passwords.

Scammers don’t take vacations, but you can still enjoy yours by staying alert and protecting your info.

by joshuastanley720

The Psychology of Scams: How the Mind Can Work Against Victims

Scams are a growing problem, with about 1 in 5 adults saying they’ve lost money to them at one point.

Others lose personal information, their sense of trust, and a lot of sleep because of scams. From the outside, it’s easy to scoff. “How could a person fall for these scams? Why would they go along with them? It seems so obvious!”

For the skeptic looking in, it’s almost like the scam victims were operating from a different mindset or even a different reality. Psychology tells us this may actually be the case, in some sense.

The Psychological Explanations of How Scams Succeed

Some psychologists refer to the brain as an algorithm that runs on confirmation bias. This means the moment the mind accepts an assumption as fact, it will begin filtering out evidence that challenges this assumption’s validity. In addition, the mind will be more inclined to accept any supposed evidence that reinforces the initial assumption.

When a person is contacted by scammers, especially if they believe they are in trouble or danger, the assumption that they must correct the situation can take hold immediately. Fear, confusion, and panic can all lead even the most careful of individuals to fall for scams, while ignoring otherwise clear warning signs.

This urge to “want to believe” can result in psychological blind spots. These are unacknowledged behavioral patterns that can drive certain actions. For example:

  • A person who hasn’t confronted their loneliness may fall for a romance scam
  • Someone who is too generous may be inclined to send money or goods to others
  • An individual who is afraid to ask for help may cooperate with scammers without thinking twice

So what’s the solution to rewiring your mind to thwart scams? The first step is to stop and breathe. Don’t take any communication you receive as automatically factual. Be skeptical of everything, no matter how formal it may seem. When in doubt, end a communication and contact the supposed organization behind it. Whether it’s the SSA, IRS, your bank, or any other entity, you can ask them directly if a communication you received is legitimate.

Before we roll our eyes at scam victims, let’s remember that a person’s mind can make them vulnerable and even blind them from seeing the truth. It’s not just a scam – it’s the science of how the mind works.

To learn more about scam avoidance, bookmark our blog for new posts every week.

by joshuastanley720

AI Scam Sees Family’s Pet Abducted, Multiple Cases Reported

Not only are scammers becoming more sophisticated in their tactics, but they’re proving there’s no low they won’t stoop to.

A recent scam attempt saw a family’s dog abducted. The family, understandably desperate for the return of their beloved pet, was naturally receptive to any and all tips that could lead to its safe return.

However, the call they got came from scammers, who tried an insidious tactic to tug at the family’s heartstrings in an attempt to extort them at their most vulnerable moment.

Scammers Used AI to Try to Trick Grieving Families

The family says they were contacted about their missing dog and informed it had been hit by a car. They were even sent a picture of the animal on the operating table. This came with a request for money so its life could be saved.

Many people would’ve acted without hesitation. After all, there’s no price you can put on a beloved pet. However, the family knew something didn’t seem right. Upon closer examination of the picture, they noticed the fur didn’t match that of their pet. They also spotted a date on the supposed X-ray that didn’t line up with the timeline of events.

Thankfully, the family didn’t send the money. Several days later, a vehicle was spotted dropping their pet back off. While the story does have a happy ending, another scam like this was reported in a different state, and authorities believe the two events were connected.

While a situation like this could cause anyone to act without thinking, it’s crucial to pause and breathe when confronted with a moment like this. If you receive a request for money, valuables, or personal information from any unknown party, approach it with extreme skepticism. Doing so could save you from serious harm.

Remember, AI can create images, videos, and audio clips that are very convincing. Before you assume the person on the other end of any communication is acting in good faith, consider how stories like this are becoming more common by the day. As an added precaution, if you hear of a scam like this in your area, consider keeping your pet indoors.

Do you know anyone targeted in an AI scam like this? Share your story in the comments.

by joshuastanley720

Pass It On: Celebrate Older Americans Month by Helping to Stop Scams

During this Older Americans Month, seniors across the nation celebrate not just their wisdom and experiences, but also valuable fraud education through the Pass It On campaign by the FTC.

Embracing the theme of social connections, the campaign has fostered thousands of interactions, igniting dialogues to safeguard against scams.

We here at The Seniors Center support all efforts to protect seniors and older adults from fraud. Here’s how this program and the movement around it are promoting safety through education and community.

Pass It On: A Movement That Spreads Information and Hope

Initially conceived based on direct feedback from older adults, Pass It On embodies simplicity, clarity, and relevance. It delivers plain language materials that honor readers and their life journeys.

What began with coverage of critical topics has expanded greatly. The more people come forward to discuss their experiences with scams, the easier it is for others to speak up as well. This makes the movement one of camaraderie and mutual support.

Seniors, with their diverse backgrounds and learning preferences, are vulnerable to scams regardless. Hence, a group of subject-matter experts has outlined principles for organizations engaging older adults. The FTC offers insights into scams related to investments, charity, healthcare, tech support, and more.

Over the past decade, a multitude of community partners have tirelessly disseminated Pass It On messages to their circles, spanning from clients to neighbors. From aging services to consumer protection groups, financial institutions to law enforcement, dedicated individuals have conducted presentations, led discussions, and shared insights with loved ones.

The impact spans beyond organizations. Individuals now feel more confident discussing these matters in casual conversation, creating a beacon that shines light on scams and how to stop them.

Keen to become part of this network? Explore opportunities at ftc.gov/PassItOn and join in the collective effort to fortify seniors against scams.

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by joshuastanley720

AI Voice Scams Are on the Rise—Here’s How to Stop Them

AI voice scams are becoming increasingly sophisticated, and seniors are often the primary targets.

Using advanced artificial intelligence tools, scammers can now replicate a loved one’s voice with just a short audio clip.

These cloned voices can be used in phone calls to trick older adults into believing that a grandchild, child, or other family member is in danger and urgently needs money. The emotional manipulation is powerful—and sadly, often effective.

How AI Voice Scams Work and How to Stay Safe

Many of these scams begin with a sense of panic: “Grandma, I’ve been in an accident,” or “I’m in jail, and I need bail money.” The voice sounds just like a family member, and the caller insists on secrecy or immediate action. Anyone who may not be familiar with AI technology can be caught off guard and respond before verifying the situation.

One simple yet highly effective way to protect your loved ones is to establish a family code word or phrase. This should be something easy to remember but hard for outsiders to guess. Pick something not found in social media posts or public records. It could be a childhood nickname, a favorite vacation spot, or a silly phrase you’ve never shared with anyone else. If someone calls claiming to be a relative in trouble, ask for the code word. If they don’t know it, hang up and contact the real person directly.

Other voice scams ask simple questions, often from scammers posing as Social Security, Medicare, or tax authorities. “Can you hear me?” When you respond with “yes,” they can use this voice clip to approve security prompts on your behalf, using the recording to give consent to purchases, account access, and more. The solution? Don’t say “yes,” and if you receive an unsolicited call, ask who it is, then hang up and contact that organization directly to check if the communication is legitimate.

Remember, you can use your voice to spread the word about scams like these. Inform your family and friends, and make plans to prepare for said schemes ahead of time. Do you know anyone who has been targeted? Share your thoughts and experiences.

by joshuastanley720

Beware CAPTCHA Scams: A Sneaky Scheme Disguised as Security

There’s a new trend gaining popularity among cybercriminals in the form of CAPTCHA scams.

Who among us hasn’t used one of these common digital security measures? They’re designed to stop bots from accessing websites and require us to prove we’re human.

While their premise is useful and they serve a worthwhile purpose, it’s their common and trusted nature that’s made them a tool some scammers have tried to weaponize.

How to Spot and Avoid Fake CAPTCHA Scams

A CAPTCHA is typically a simple command that a user must perform to prove they’re not a robot.

It can be as simple as checking a box. In some cases, however, they’re a bit more complex. Many CAPTCHAs ask people to identify objects in a photo, or turn a photo a certain direction. These are generally fine, and represent a standard security checkpoint.

The advancements in these security measures are designed to thwart bots, which are being programmed more intelligently. However, scammers understand that the public trusts CAPTCHAs. This is why they’ve created schemes designed to mimic them.

Common CAPTCHA scams will typically ask the user to enter commands, such as Win+R or CTRL+V. However, when the user inputs these keys, they’re actually pasting code into their computer’s Command Prompt, which will install malware.

As a general rule, be suspicious of CAPTCHAs on pages that don’t seem to need them. Unless you’re logging into a site or verifying your identity for security reasons, you likely won’t need a CAPTCHA. And even then, any directions to perform keyboard commands or copy and paste should be viewed as a scam.

More often than not, CAPTCHAs are safe. Especially if you’re simply checking a box, you’re good to go. But knowing how scammers weaponize these common security checkpoints into schemes can help you stay vigilant and stay safe.

Have you encountered any CAPTCHA scam attempts? Tell us about them. Be sure to follow our page for more news on scam avoidance.

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by joshuastanley720

Here Are the Signs of a Potential Social Security Scam

It seems like there’s news of a new Social Security scam every day. The people behind these devious acts work around the clock to defraud innocent people.

Authorities have issued warnings about the potential forms these scams may take. While new ones are always popping up, most of these have a few prevailing characteristics.

Today we’ll discuss some tips on how to spot a scam, and even discuss how scammers use one nefarious technique to defraud even the most careful individuals.

Signs of a Potential Social Security Scam – and a Common Scammer Trick

Social Security scams usually prey on victims through threats and pressure. It’s common for victims to be told that “their Social Security number is compromised,” or “they’ll face legal action,” followed by requirements on how to alleviate these issues.

Some scammers take a different approach. Their scam involves telling the target that they’re entitled to additional benefits and perks they’re currently not taking advantage of. Of course, this is just another excuse to get them to hand over personal information such as bank account info or their Social Security number.

Speaking of personal information, this ties into one of the most common tricks scammers use. Tons of people fall for these fraudulent activities for one reason – they thought it was legitimate. Specifically, they thought they were talking to an authority.

These authorities can take the form of Social Security Administration workers or even law enforcement officers. Some scammers go as far as to spoof identities, using false pictures and stolen credentials. It’s easy for anyone to fall for such an extravagant effort.

So how can you protect yourself? Never reveal personal information to an unknown party. Likewise, never send them money, checks, prepaid cards, etc.. The best course of action is to look at the information of the person initiating the communication. Whether it’s a letter, call, text, or other, don’t respond. Cease communication, and call the Social Security Administration directly.

Doing so will allow you to check if the communication is legitimate. If it isn’t, you’ll be able to report the scam, which may stop others from being victimized. Stay alert, and stay safe!

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by joshuastanley720

No, Your Social Security Number Isn’t “Suspended”

Most of the things that chill us to the bone are works of pure fantasy.

Think about the terrors on the silver screen, or the spine-tingling scenes in the pages of great books. Most of what scares us is the unknown, or more specifically, the seemingly impossible.

As we’ve discussed, scammers love to use fear to prey on people. So when you get a call or an email saying your Social Security number is suspended, feel confident in knowing this is another fantasy created to scare you, and not a legitimate communication.

Why Suspended Social Security Number Scams Are Effective

Think about how many ways we use our Social Security number. This crucial data point comes up again and again in life and work.

A Social Security number is key for identity verification. It’s key in us receiving the retirement benefits we’ve fairly earned. There’s also its use in tax purposes, security clearances, and more.

As discussed here, this type of scam is all too common. It takes people by surprise, and this state of shock can render them vulnerable. It’s then that the scammer on the other end of the line will tell the fearful target that they can “reinstate” the number by verifying it, paying money, or sharing other personal information.

While these scams are real, the concept of your number being suspended is false. If you are targeted by a scam like this, cease all communication with the other party. Contact the Social Security Administration directly and tell them about what happened.

This way, you can report the fraud to protect others. You can even put a flag on your number if you believe it may be in danger.

For more facts about avoiding Social Security scams like suspended numbers and more, follow our page.

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by joshuastanley720

How to Avoid Holiday Shopping Scams

The holiday season is a time for cheer, but it’s also a prime opportunity for scammers to target unsuspecting shoppers with holiday shopping scams. With a little vigilance, you can protect yourself and your personal information from falling into the wrong hands.

One common scam tactic is sending phishing emails or physical mail that includes enticing discounts and QR codes. These offers often claim to save you big on your holiday shopping, but they may direct you to malicious websites designed to steal your personal and financial information. Always be cautious with QR codes or links from unknown senders, and verify offers with the retailer directly.

Stick to discounts and deals from reputable companies you know and trust. If a deal seems too good to be true, it probably is. Scammers often impersonate well-known brands, so double-check URLs for slight misspellings or extra characters, as these can indicate a fake site.

Other tips to stay safe from holiday shopping scams include:

  • Monitor your accounts regularly: Keep an eye on your credit card and bank statements for any unauthorized transactions.
  • Use secure payment methods: Opt for credit cards or payment services like PayPal, which often provide better fraud protection than debit cards.
  • Update your passwords: Strengthen your passwords and avoid reusing them across multiple accounts to minimize risk.
  • Be wary of gift card requests: Scammers may pose as relatives or friends, asking you to purchase gift cards. Verify the request before acting.

The holidays should be a joyful time, not one marred by fraud. By staying vigilant and sticking to trusted retailers, you can shop safely and focus on what matters most—spreading holiday cheer.

Stay informed and protect yourself this season!