Reference
Scam Resources
Keep this page bookmarked. When something feels off, work through the check below. Nobody is foolish for being targeted — these messages are designed by professionals to rush you.
The 10-second scam check
Answer these six questions. Even one "yes" means stop and verify before you do anything else.
- 1
Did it come out of the blue?
You didn't ask for this call, text or email. Unexpected contact is the number one warning sign.
- 2
Is it pushing you to act fast?
"Immediately." "Within the hour." "Your account will be closed." Urgency is a tool, not a fact.
- 3
Do they want you to tap a link they gave you?
Real companies are happy for you to reach them the way you normally do.
- 4
Are they asking for a password or a code?
No legitimate bank, company or agency will ever ask for a password or a verification code.
- 5
Is the payment method odd?
Gift cards, wire transfers, cryptocurrency or payment apps to a stranger. Always a scam.
- 6
Are they telling you to keep it secret?
"Don't tell your family." "Don't discuss this with the bank." That's the scam protecting itself.
The one rule
When a message pushes you to act, stop and go to the source yourself.
Hang up and dial the number on the back of your card. Type the website address in yourself. Call your family member on the number you already have. If the message was real, nothing is lost by taking two extra minutes.
Verified help contacts
These are official U.S. government and law enforcement resources. They are free to use.
National Elder Fraud Hotline
Monday–Friday, 10am–6pm ET
833-372-8311Free help and case managers for people 60+ and their families.
Report fraud to the FTC
Federal Trade Commission
ReportFraud.ftc.govReport any scam attempt, even if you didn't lose money.
FBI Internet Crime Complaint Center
Online crime and money loss
ic3.govUse this if money was sent or an online crime occurred.
Identity theft recovery
Step-by-step recovery plan
IdentityTheft.govIf someone used your name, this site builds a plan for you.