APRIL ALERT: IRS impersonation scams surging during tax season — learn the signs →
The Scam Encyclopedia — MVP v1.0

Every Scam Targeting
Americans 50+ — Exposed

Complete profiles of the scams causing the most damage: how they work, the exact scripts scammers use, the warning signs, and what to do if you're targeted. All sourced from FBI IC3, FTC, and AARP data.

📅 Updated April 2026
📚 8 fully-covered scam types
🏛️ FBI · FTC · AARP · NCOA
👁️ Expert reviewed
Already Targeted? Act Now →
2025 Elder Fraud — Key Numbers
Total losses (60+)$7.75 Billion
Year-over-year change+59%
Victims losing $100K+12,400+
Top loss categoryInvestment Fraud
Fastest growing typeAI / Deepfake
Most common methodPhone call
SourceFBI IC3 2025 Report
Showing 8 of 8
Risk Level Guide
⚠ Critical
Highest losses; often life-savings-level damage
High
Significant financial or identity harm; very common
Medium
Real harm potential; often reversible with fast action
🆕 Emerging
New AI-powered tactics, growing rapidly in 2026
⚠ #1 Loss Category — 2025

Investment & Cryptocurrency Fraud

Fake advisors — often met first on social media or dating apps — convince seniors to move retirement savings into fraudulent crypto platforms that show realistic fake gains before vanishing entirely. This single scam type cost Americans 60+ an estimated $4.43 billion in 2025 alone.

$4.43BLost by 60+ in 2025
(FBI IC3)
+25%Increase from
2024
$62KAvg. loss per
crypto victim
📈
Financial Fraud · Highest Losses
Investment & Crypto Fraud
⚠ Critical

Fake investment advisors — often first contacted via social media or dating apps — promise guaranteed crypto returns, then vanish with retirement savings.

Top Warning Signs
"Guaranteed" returns with no risk mentioned
Contact initiated by a stranger on social media
Pressure to invest before "opportunity closes"
2025 losses (60+): $4.43 Billion
Full Guide →
💻
Technology Fraud
Tech Support Scams
⚠ Critical

Fake Microsoft or Apple alerts claim your computer is infected. "Technicians" gain remote access, then enter your financial accounts directly.

Top Warning Signs
Pop-up warning with a phone number to call
Request for remote access to your device
Demands gift card payment for "repairs"
2025 losses (60+): $491 Million
Full Guide →
🏛️
Impersonation · #1 Tax-Season Threat
IRS & Government Impersonation
⚠ Critical

Callers posing as IRS, Social Security, or Medicare threaten arrest, deportation, or benefit suspension unless you pay immediately in gift cards or crypto.

Top Warning Signs
Threat of immediate arrest or legal action
Demands payment in gift cards or wire transfer
Caller ID shows an official government number
2025 losses (60+): $284 Million
Full Guide →
❤️
Relationship Fraud
Romance Scams
⚠ Critical

Fake profiles on dating sites and Facebook build genuine relationships over weeks, then manufacture a financial crisis that requires your help — and your money.

Top Warning Signs
Profile seems too perfect; always has an excuse not to meet
Relationship moves very fast; deep affection very early
First money request comes after weeks of relationship
2025 losses (60+): $214 Million
Full Guide →
🤖
AI-Powered Fraud · Fast-Growing
Grandparent Scam (AI Voice Cloning)
🆕 Emerging

Using AI to clone grandchildren's voices from social media, scammers call grandparents claiming emergencies — bail, accidents, hospitals — and demand immediate wire transfers before you can verify.

Top Warning Signs
Unexpected "grandchild" call with urgent crisis
"Don't tell anyone — especially not Mom and Dad"
Requests wire transfer or cash sent via courier
Avg. loss per victim: ~$22,000
Full Guide →
🏥
Healthcare Fraud · Evergreen
Medicare & Health Insurance Fraud
High Risk

Free equipment offers, fake Medicare representatives, and billing scams steal your Medicare number and use it to bill the system for services never rendered.

Top Warning Signs
Unsolicited offer of free medical equipment or screenings
Request for your Medicare number "to verify benefits"
Calls spike near Medicare open enrollment (Oct–Dec)
Annual system-wide fraud: ~$60 Billion
Full Guide →
🪪
Identity Crime · #1 AARP Complaint
Identity Theft
⚠ Critical

Thieves steal Social Security numbers to open credit cards, file fraudulent tax returns, access retirement accounts, and sell data on the dark web — often undetected for months.

Top Warning Signs
Unexpected bills, debt collection calls, or credit denials
Unfamiliar accounts on your credit report
IRS notice about a duplicate tax return in your name
Status: #1 complaint 3 years running
Full Guide →
🏦
Impersonation · Coming Soon
Bank & Financial Impersonation
Coming Soon

Scammers spoof your bank's number and claim suspicious activity on your account — convincing you to transfer funds to a "safe" account they control.

Key Losses
Combined impersonator losses in 2024: $445M+
2024 losses: $445M+ combined
Guide in progress
🔍

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📋 More Scam Guides — Coming in Phase 2

🎰
Lottery & Sweepstakes
Phase 2
🏠
Home Repair Fraud
Phase 2
❤️
Caregiver Abuse
Phase 2
📱
Smishing / Text Scams
Phase 2
🎣
Phishing Emails
Phase 2
🎭
Deepfake / AI Video
Phase 2
🏖️
Timeshare Scams
Phase 3
⚰️
Obituary / Funeral
Phase 3
💊
Fake Pharmacy
Phase 3