The holiday season often brings more online shopping, package notifications, charity appeals, and special offers. Unfortunately, scammers may use this busy time to target people of all ages. Scams targeting seniors can put older adults' personal and financial information at risk.

Senior Helpers shares common warning signs and practical ways to help an older loved one stay protected.

Fake Delivery and Shipping Messages

Fake delivery notices often appear during busy shopping periods. A message may claim that a package could not be delivered. It may ask the recipient to click a link to reschedule delivery or pay an additional fee.

Be cautious of unexpected messages requesting payment or credit card information to release a package. Instead of clicking the link, visit the retailer's official website or the shipping company's app to check the tracking information. Avoid sharing personal or financial details through unverified messages.

Charity Appeals That Pressure for Speed

Many people choose to donate to charities during the holiday season. However, scammers may take advantage of this generosity through scams targeting seniors. They may use the names of legitimate organizations or create fake charities.

Scammers may pressure older adults to make immediate donations through phone calls, text messages, or social media. Take time to research an organization before donating. 

Look up its official website independently and use its verified donation channels. Be especially cautious of requests for gift cards, wire transfers, or cryptocurrency. These payment methods can be difficult to recover.

Too-Good-to-Be-True Online Deals

Fake shopping websites may advertise products at unusually low prices to attract buyers. Some take payment without sending the items, while others may collect credit card or personal information.

Before making a purchase, check the website address and look for signs that the seller is legitimate. Shop through familiar retailers or verified websites. Paying by credit card can also offer stronger dispute protections than using a debit card.

The Urgent Family Emergency Call

In a grandparent scam, a caller pretends to be a grandchild or another relative who needs money because of an emergency. The caller may claim that someone has been arrested or injured and ask for immediate payment. Some scammers also use artificial intelligence to imitate a relative's voice.

Do not send money based on an unexpected emergency call. Hang up and contact the relative directly using a phone number you already know. 

You can also check with another trusted family member before taking action. Even if the caller sounds familiar, verify the situation independently.

Warning Signs of Scams Targeting Seniors

Many scams use similar tactics to pressure people into making quick decisions. Watch for these warning signs:

• Requests to act immediately or keep a transaction secret.
• Demands for payment through gift cards, wire transfers, or cryptocurrency.
• Unexpected links asking for personal or financial information.
• Threats, urgent claims, or promises that seem too good to be true.
• Callers or messages that discourage independent verification.

The AARP Fraud Watch Network provides information about common scams and ways to recognize them.

You can report online fraud through the FBI's Internet Crime Complaint Center. The government's USA.gov scams page also explains where to report different types of scams.

If an older adult becomes a victim of a scam, respond with patience and support rather than blame. Contact the bank or financial institution as soon as possible to discuss protecting the affected accounts. Save relevant messages and transaction details, and report the incident to the appropriate authorities.

Another Set of Eyes on the Mail

Unexpected letters, payment requests, and unfamiliar offers can be difficult to sort through. Companionship and practical support can help older adults spot scams targeting seniors and check suspicious messages with someone they trust.

Senior Helpers locations across the country offer services such as companionship, transportation, and help with errands. Depending on the services available in your area, caregivers may also help with everyday tasks that make it easier for older adults to stay organized and connected. Click here to find a location near you.