Scams targeting the elderly have evolved alongside technology, making older adults especially vulnerable. Scammers use platforms like social media, phone calls, and emails to exploit seniors. It is crucial to educate and empower the elderly to recognize these schemes and protect themselves online. The following is a breakdown of the common types of scams and practical tips to help older adults stay safe:
1. Social Media Scams
Scammers on social media platforms create fake profiles using advancements in artificial intelligence (AI), posing as friends, relatives, or trusted companies. They aim to trick seniors into sharing personal or financial information.
Tip: Always verify the identity of the person by contacting them through a known number or another reliable communication method before sharing any information or sending money.
2. Screening Phone Calls
Phone scams remain a highly effective tactic. Scammers impersonate officials, such as IRS agents or bank representatives, using high-pressure tactics to get sensitive information.
Tip: Avoid answering unknown numbers and let them go to voicemail. If the caller claims to represent an organization, hang up and call the organization back using a number from their official website.
3. Email Filtering and Caution
Phishing emails disguised as legitimate communications trick seniors into clicking on harmful links or downloading malware.
Tip: Set up strong spam filters on email accounts and never open attachments or click on links from unknown senders. Be cautious of fake invoices or receipts.
4. Recognizing Common Scams
Here are some common scams to be aware of:
- Fake Bank Calls: Scammers call to “verify” accounts. Always contact the bank directly through its official number, not the one given in the call.
- Phony Invoices or Receipts: These are designed to look legitimate but ask for immediate payment. Verify directly with the company before acting.
- Investment Scams: Promises of high returns in exchange for personal details or money. Be cautious of “too-good-to-be-true” offers.
5. Be Skeptical About Information Requests
Scammers often impersonate charities, utility companies, or tech support to extract sensitive information such as Social Security numbers or birthdates.
Tip: Remain skeptical and avoid providing personal information to unsolicited callers or email requests. Legitimate companies will not ask for personal information randomly.
6. Government Communications Are Official
The IRS, Social Security, and Medicare do not request information over phone or email. They communicate via mail.
Tip: Treat any call or email claiming to be from a government agency with suspicion.
Helpful Resources to Report Scams:
If a scam is encountered, it is important to report it. Here are the resources to file complaints:
- Federal Trade Commission (FTC): Report Fraud to the FTC
- Department of Justice Elder Fraud Hotline: Call 1-833-FRAUD-11 or visit the DOJ website
- FBI Internet Crime Complaint Center (IC3): File a Complaint
At CASERTA & SPIRITI, our attorneys are dedicated to protecting the elderly from fraud and exploitation. If a Florida resident needs legal guidance, they can contact our office at (305) 463-8808 or any of the above agencies for assistance.
The foregoing is a brief and general overview of the topic.
If you have any additional questions regarding the foregoing or have any legal issue or concern, please contact the law firm of CASERTA & SPIRITI in Miami Lakes, Florida.