Understanding the Four Most Common Scams Targeting Seniors

Scammers are constantly adapting their tactics, but most fraud attempts fall into a few familiar patterns. By understanding how these scams work and what warning signs to look for, seniors and their families can feel more confident and prepared when something suspicious comes up.

Below are four of the most common scam types we cover in our SeniorSafe Online program, along with what they typically look like and how to respond safely.

1. Phishing Scams

Phishing scams usually come through emails or text messages that appear to be from trusted organizations such as banks, delivery services, or government agencies. These messages often claim there is a problem that needs immediate attention.

Common signs include:

• Urgent language like “your account will be locked”
• Requests to click a link or download an attachment
• Messages asking for personal or account information

What to do:

Do not click on links or respond directly. Instead, contact the organization using a phone number or website you trust—not the one provided in the message. When in doubt, pause and ask someone you trust for a second opinion.

2. Investment Fraud

Investment scams promise guaranteed returns, “low risk” opportunities, or exclusive offers that sound too good to be true. These scams may come from phone calls, emails, social media messages, or even people posing as financial professionals.

Common signs include:

• Pressure to act quickly or keep the offer secret
• Claims of guaranteed profits
• Requests to send money or information immediately

What to do:

Legitimate investments do not guarantee returns or require immediate decisions. Take time to research the opportunity and consult a trusted financial professional or family member before making any decision.

3. Grandparent Scams

In a grandparent scam, someone pretends to be a grandchild or family member in trouble. They often claim there is an emergency—such as an accident or arrest—and ask for money right away.

Common signs include:

• Emotional urgency and secrecy
• Requests for payment through gift cards, wire transfers, or cash
• Instructions not to tell anyone else

What to do:

Pause and verify the situation. Try contacting the family member directly using a known phone number, or reach out to another trusted relative before sending any money.

4. Tech Support Scams

Tech support scams typically begin with a phone call, pop-up message, or email claiming there is a serious problem with your computer or device. The scammer may pretend to be from a well-known technology company.

Common signs include:

• Unsolicited contact about a “virus” or security issue
• Requests for remote access to your device
• Demands for payment to fix the problem

What to do:

Legitimate companies do not call unexpectedly to fix devices. Do not give access to your computer or share personal information. Close pop-up messages and seek help from a trusted technician or family member if you’re concerned.

Staying Safe Starts With Awareness

Scams rely on urgency, fear, and pressure—not on technology alone. Taking a moment to pause, verify, and ask for help can make all the difference.

At SeniorSafe Online, we focus on building awareness and confidence so seniors know how to respond safely and without stress. By learning these common scam patterns, you’re taking an important step toward protecting yourself and your loved ones.