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Scammers are getting bolder—and seniors are squarely in their sights. From fake tech‑support calls to sophisticated investment scams, criminals are constantly upgrading their tricks. And the numbers prove it: older adults (60+) reported $2.4 billion in scam losses in 2024, a dramatic fourfold increase since 2020, according to the Federal Trade Commission (FTC). Even more alarming, the real losses may be far higher—up to $81.5 billion when unreported cases are included.

Scammers ramp up their efforts, it’s more important than ever to help seniors—and their families—spot the red flags before damage is done. Here’s what you need to know.

Why Scammers Target Seniors

Criminals often zero in on older adults because:

• They may have more savings or retirement funds
• They tend to be trusting and polite, making manipulation easier
• Many live alone and may be more susceptible to social engineering
• Health issues, cognitive decline, or limited tech familiarity can make them vulnerable

Scammers know all this—and take full advantage.

Top Scams Targeting Seniors Today

1. Investment & Cryptocurrency Scams
   These scams promise huge returns with little risk. In 2024 alone, investment scams caused seniors the highest total losses, often beginning on social media platforms.
2. Tech Support Scams
   Fake tech agents pretend your computer is infected, then request remote access or payment. Seniors reported $159 million lost to tech-support scams in 2024.
3. Government or Bank Impersonation
   Criminals pose as the IRS, Social Security, or even local police—but the goal is the same: demand money fast. These scams jumped sharply, with government impersonation losses rising from $171 million in 2023 to $789 million in 2024.
4. Romance Scams
   Loneliness is a powerful vulnerability. Fraudsters create emotional connections before asking for “help.” These scams often result in devastating financial and emotional harm.
5. Prize, Sweepstakes & Lottery Scams
   “Congratulations—you’ve won!” But first, they’ll ask for fees, gift cards, or personal information. Seniors are disproportionately targeted here too.

Signs a Senior May Be at Risk

Look for these red flags in yourself or loved ones:

• Frequent calls from unknown numbers
• Sudden secrecy around finances
• Unusual ATM withdrawals or gift card purchases
• A new “friend” online asking for money
• Urgency: “Act now or lose everything!”

If something feels off, pause—and verify.

How Seniors Can Protect Themselves

✔ Slow down and verify
Scammers thrive on urgency. Take an “active pause” before reacting—especially if asked to pay immediately.

✔ Never give remote access to your computer
Unless you initiated a support request through a verified company, don’t allow remote access.

✔ Use strong passwords and enable multi-factor authentication
This reduces the chance of unauthorized access.

✔ Don’t trust unsolicited calls, texts, or emails
Banks, government agencies, and real tech support don’t contact you out of the blue.

✔ Talk openly about scams
Regular conversations with family members help catch issues early.

✔ Encourage use of a “trusted contact”
Financial institutions allow customers to add someone who can be notified if suspicious activity occurs.

What to Do If a Senior Is Scammed

• Stop all communication with the scammer
• Contact the bank or credit card company immediately
• Report the incident at ReportFraud.FTC.gov or to the FBI’s IC3 at ic3.gov
• Document everything—messages, receipts, screenshots

Reporting not only helps recover losses—it also protects others.

Scammers are evolving fast, and seniors are being targeted more aggressively than ever. But with awareness, open communication, and a few smart habits, you can help protect the people you care about—and yourself—from devastating losses.

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