Tag: AARP Fraud Watch

It’s National Consumer Protection Week, and while AARP works year‑round to help protect people from fraud, this is a good time to talk about how and why to report fraud.

Fraud is widely underreported in this country. Sometimes, people don’t realize that fraud is a crime. Other times, victims don’t report because of undeserved feelings of shame or embarrassment. The lack of a single, centralized reporting system may also deter reporting. Here is some guidance on where you can report.  

Your bank: If you recognize a scam right away and it involves your financial institution, contact them immediately. They may be able to stop or reverse transactions, or freeze your account to help prevent additional payments or withdrawals by scammers.

Local law enforcement: Filing a report creates an official record, which may be helpful for future restitution. Reporting also matters because the more people who come forward, the more information law enforcement has to identify patterns and catch criminals.

The feds: You can also report scams to the FBI’s Internet Crime Complaint Center at ic3.gov. While federal agencies don’t typically follow up on individual cases, these reports help them track trends and better understand the scope of the problem.

Lawmakers: Consider sharing your experience with lawmakers — including local legislators, your state attorney general and Members of Congress. The more they hear directly from constituents about fraud, the more likely they are to take action to address it.

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Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

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Planning a winter escape? Don’t let criminals ruin your trip with bogus deals, fake booking sites, or schemes designed to steal money or personal information.

Scammers create fake vacation rental listings, apply pressure to pay upfront through wire transfers, gift cards, or other hard-to-trace methods. If a host asks you to pay outside the official platform, it’s a scam.

Be cautious of steeply discounted offers and use a credit card whenever possible for added fraud protection. Before booking, verify the company or property. Search the name along with keywords like “scam,” “complaint,” or “review” to see if other travelers have reported issues.

Staying alert and taking a few extra steps can help ensure your winter getaway is safe, fun, and scam-free.

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Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

Government Imposters Rampant

The AARP Fraud Watch Network Helpline (877-908-3360) has seen a rise in impostors pretending to be government officials.

Scammers are calling people, making claims like there’s a warrant for their arrest, their identity was used to buy child pornography or launder money, or that the FBI needs their help to catch a thief. These criminals seek to get your money by wire transfer or crypto kiosks. Some even use the real names of FBI agents or sheriffs to appear legitimate when you search online.

Remember that government officials will never contact you unexpectedly to seek payment in any form. If you receive a contact like this, disengage, and if you’re worried there may be a problem, contact the agency at a number or web address you know to be legitimate.

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Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

You don’t have to be looking for love to be targeted by a relationship scam. Increasingly, perpetrators take the friendship route, building deep connections over time, starting by claiming they share your interests, experiences, or struggles.

They may initiate contact by commenting on your social media posts, reaching out through direct messages, or even sending what seems like a text sent by mistake. Over time, they earn your trust before asking for money or pitching an investment opportunity.

Because these relationships appear platonic, they can be harder to recognize. Red flags include pressure to move conversations to encrypted apps and eventually urgent requests for money or encouragement to invest in cryptocurrency.

Make it a habit to talk to a friend or family member when new relationships bloom. Together, you may be able to see signs of a scam that you couldn’t see alone.

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Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

Tax season is stressful enough, and scammers take full advantage of that with IRS impostor schemes.

They reach out, claiming you owe back taxes and threaten legal action if you don’t pay immediately. These messages are designed to create panic and push you to act fast, often demanding payment by wire transfer, gift cards, or cryptocurrency — all guaranteed signs of a scam.

Unless you’re already working with the IRS on a tax issue, the agency will generally not contact you, and if they do, it’s typically by mail first.

When in doubt, disengage and verify by contacting the IRS directly using a trusted number from an official letter or IRS.gov — never one provided in a suspicious message.

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Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

Each year, the Federal Trade Commission (FTC) leads Identity Theft Awareness Week, a national initiative held in late January on how to avoid identity theft, recover if it happens, and spot these scams before they occur.

Identity theft is when your personal information is exposed; identify fraud is when someone uses that data to take over or open accounts, steal your tax refund, file fraudulent health insurance claims, and more. It can happen to anyone, but we can take steps to protect against it.

Monitoring your credit report is one of the best ways to spot errors or suspicious activity. You can get free credit reports from the main three credit reporting agencies—Equifax, Experian and TransUnion—at annualcreditreport.com.

Freezing your credit is an effective way to prevent unauthorized accounts from being opened in your name, especially if you have no near term plans to apply for a loan or credit soon. Credit freezes are free, and you can freeze or unfreeze your credit directly through each agency.

Also, make sure you use strong and unique passwords for all accounts (a password manager makes this so much easier), use multi-factor authentication when it’s available, and shred sensitive documents – dumpster divers are still out there.

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Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

As temperatures drop in many states, criminals are turning up the heat on their deceptive tactics. While utility scams happen year-round, scammers are especially active when customers rely on these essential services to stay warm and safe.

They pose as utility companies, claiming you’re behind on your bill, and threatening to cut off service unless you make an immediate payment. Their goal is to trigger panic. When fear takes over, it becomes harder to think clearly, and they hope we stay in that state of panic just long enough to push through a payment.

If you receive an unexpected call claiming your service will be shut off, hang up. Then contact your utility provider directly using the customer service number on a recent bill or by logging into your account online. In most cases, you’ll find everything is in good standing.

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Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

With rising costs and economic uncertainty, many of us are looking to start the new year by taking more control of our finances and tackling lingering debt. But paying down what you owe takes time, discipline, and a clear plan—not quick fixes. Be cautious of offers that promise guaranteed results or fast debt elimination.

Scammers often target consumers with significant credit card debt, claiming they can negotiate with creditors to reduce what you owe. hThese operations typically charge hefty fees and deliver little—or no—help. Some even advise you to stop communicating with your creditors, which can make your situation worse.

If you or a loved one need help getting out of debt, turn to reputable organizations like the nonprofit National Foundation for Credit Counseling (www.nfcc.org). They can offer real guidance without hidden fees or false guarantees.

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Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

If your New Year’s resolutions include finding a new job, work-from-home opportunities may sound appealing. While many remote positions are legitimate, some aren’t what they appear to be. Criminals often pose as legitimate employers on job boards, social media, or send unsolicited texts, promising easy money, flexible hours, and a quick hiring process.

What they’re really after is  personal information or our  money by asking  to pay upfront for “training,” purchase expensive equipment, or provide sensitive details—such as your Social Security number—as part of the application.

Be cautious of sudden, unusually high-paying opportunities that require little to no experience. Avoid sharing personal data until you’re certain the job offer is legitimate and take time to research the company by searching its name along with the words scam, complaint, or fraud. If you see concerns from other job seekers, consider it a clear red flag.

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Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.

As the year winds down and the season of giving sets in, many people look to support causes they care about—but telling a legitimate charity from a fake one can be tough. While reputable organizations make their year-end push for donations, criminals also take advantage of this opportunity to line their own pockets.

Common signs of a charity scam include requests for payment via gift cards, wire transfers, or cryptocurrency, as well as high-pressure demands to donate immediately. Legitimate charities may also encourage timely giving, but they will welcome your support at any time.

To help ensure your donation reaches those who truly need it, do your research. Check organizations on sites such as give.org, CharityNavigator.org or CharityWatch.org to confirm legitimacy and find out how much of the funds are used to serve its stated mission versus overhead and fundraising.

Pay close attention to the charity’s name and web address, as criminals often mimic the names of familiar, trusted organizations to deceive donors. Also, be cautious of links in unsolicited emails, texts, or social media messages, which can lead to fake donation websites and expose your device to malware.

When you do donate, use a credit card. It’s easier to track your contribution, and if your card is misused, you have protection against loss. To avoid feeling pressured by unexpected solicitations, consider having a set list of charities you support. That way, you can give confidently and on your own terms.

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Report scams to local law enforcement. For help from AARP, call 1-877-908-3360 or visit the AARP Fraud Watch Network at aarp.org/fraudwatchnetwork.