Grandparents Scam MWB

Beware of the Grandparents Scam

Published March 31, 2025

Ciera Gallup | Operations Specialist | Norfolk Main Branch

One of the most heartbreaking tactics fraudsters uses is the “Grandparents Scam.”

This manipulative scheme preys on grandparents’ love and concern for their grandchildren, turning that affection into an opportunity to steal money. Here’s how the scam works and how to protect yourself and your loved ones.

How the Scam Works

A fraudster initiates contact, typically over the phone, targeting unsuspecting grandparents. Here’s an example scenario:

The Initial Call
The scammer calls Grandpa Joe, pretending to be a distressed family member. They might start by saying something like, “I’ve been in a car accident, and I don’t want Mom and Dad to find out.”

Fishing for Details
Grandpa Joe, concerned, asks, “Who’s calling?” The scammer, relying on this question, responds, “Your favorite grandson.” Grandpa Joe might then reply, “Travis?”—and the fraudster has a name to use just like that.

The Plea for Money
The scammer weaves a convincing story and begs for money to cover medical bills, car repairs, or legal fees. They may request money be sent via wire transfer or untraceable payment methods.

The Secondary Scam
After the initial money is sent, the scammer might continue the scam. Hours later, someone else calls, claiming to be a defense attorney. They assert that “Travis” is in jail and needs additional funds for bail or legal representation.

How to Protect Yourself

The emotional nature of a Grandparents Scam can make it hard to recognize, but staying aware is key. Here are some tips to help you avoid falling victim:

1. Verify the Caller

If you receive a call from someone claiming to be a family member in trouble, ask questions only they would know. For example:

“Remember that time we went out to dinner for my birthday? What was the name of the restaurant?”

“What was the gift I gave you last Christmas?”

Scammers often rely on vague or generic answers, so detailed questions can quickly expose them.

2. Stay Calm and Gather Information

Scammers thrive on panic. Take a moment to breathe and assess the situation. Ask for specific details, like the location of the alleged incident, and cross-check with other family members before taking any action.

3. Never Send Money Without Confirmation

Legitimate family members in trouble will usually find ways to prove their identity. If unsure, hang up and call the person back using their known number.

4. Be Wary of Untraceable Payment Methods

Scammers often ask for money sent via wire transfer, gift cards, or cryptocurrency. These methods are difficult to trace and recover. Avoid using these methods unless you are sure of the recipient’s identity.

5. Report Suspicious Calls

If you suspect this scam has targeted you, report it to local authorities or the Federal Trade Commission (FTC). Sharing your experience can help protect others from falling victim.

The Grandparents Scam is a cruel trick designed to manipulate the love and trust between family members. Protect yourself and your loved ones from these deceitful tactics by staying cautious and informed. Remember: a legitimate call for help from a family member will always stand up to verification. Don’t let scammers take advantage of your kindness—ask questions, stay calm, and report anything suspicious.

Protect your family and spread awareness to protect others from this manipulative scheme. For more information on trending scams, click here.

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