As the internet becomes more integrated into daily life, scammers are finding new and deceptive ways to target unsuspecting victims — especially seniors. Due to a lack of digital literacy or awareness, older adults are often the most vulnerable. DJK LAW GROUP urges all seniors to stay alert to the following five common scams and encourages everyone to share this article with parents or older relatives to help protect them.
1. Phone Scams: Impersonating Police or Bank Officers
This is one of the most widespread and dangerous scams. Fraudsters impersonate police officers, court officials, or bank staff and call the victim claiming that they are involved in money laundering or have irregular activity on their bank account. They demand that money be transferred to a “safe account” for investigation.
How to stay safe:
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Authorities will never ask for money transfers over the phone.
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Hang up and verify through official channels.
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Never disclose your ID number, bank card details, or verification codes.
2. Investment Fraud: Promising Unrealistic Returns
Scammers set up fake investment schemes claiming “high returns with low risk,” such as cryptocurrencies, pension funds, or equity bonuses. Many seniors invest their savings and even encourage family to join, resulting in massive financial losses.
How to stay safe:
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High returns often come with high risks — be skeptical.
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Avoid “guaranteed profit” schemes.
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Consult financial professionals or trusted family members before investing.
3. Impersonation of Children or Relatives to Borrow Money
Scammers gain access to a family member’s social media account and pretend to be them, sending messages or voice notes saying they are in an emergency and need money quickly. Because the tone feels familiar and the situation seems urgent, many older adults transfer money without verification.
How to stay safe:
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Always verify by calling or video chatting with the person.
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Don’t transfer money based on text alone.
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Children should educate their parents about online fraud risks.
4. Fake Health Product Scams: False Health Claims
Fraudulent companies use free gifts or health talks to attract seniors and promote overpriced or fake “miracle” health products. They often claim government subsidies or expert endorsements to convince buyers.
How to stay safe:
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Health supplements cannot replace medicine and don’t cure diseases.
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Be skeptical of exaggerated claims and free gifts.
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Always consult a doctor or family member before purchasing.
5. Lottery or Prize Scams: Small Bait, Big Trap
Scammers claim via phone or text that the victim has “won a prize” or a “cashback reward,” but must pay handling fees or taxes to claim it. In reality, no prize exists.
How to stay safe:
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Don’t participate in suspicious raffles or offers.
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Never pay any fees to receive a “prize.”
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Treat “Congratulations, you’ve won!” messages with suspicion.
