The rising threat: Three scams targeting seniors in 2025

As the senior population grows and becomes increasingly connected online, so too do the dangers targeting their security and finances. In 2024 alone, the FBI’s Internet Crime Complaint Center (IC3) received over 115,000 complaints from victims over 60 years old, with reported losses exceeding $3.4 billion — a 14% jump from the previous year.

This trend shows no sign of slowing in 2025. Here are three of the most dangerous and widespread scams currently preying on older adults.

1. Tech Support Scams: Phantoms in the Machine

A flashing alert on a computer screen, a robotic voice warning of a virus, and a number to call “Microsoft Security” — this is how many tech support scams begin. Once on the line, scammers pose as legitimate technicians and coerce seniors into granting remote access to their devices.

Once in, the scammers may install malware, demand payment for “repairs,” or siphon sensitive data including banking information.

Case in Point:

A woman in Ohio lost $18,000 after a fraudster convinced her to buy gift cards to “unfreeze her IP address.” She only realized it was a scam after her son spotted strange transactions.

Warning Signs:

• Unexpected pop-up messages or calls claiming to be from tech companies.
• Requests for payment via gift cards or wire transfers.
• Demands for remote access without prior contact.

2. Government Impersonation: The IRS and Medicare Mirage

Scammers posing as officials from the IRS, Social Security Administration, or Medicare use aggressive tactics to intimidate seniors into handing over personal data or money.

These calls often threaten arrest, suspension of benefits, or legal action unless immediate payment is made — often via prepaid debit cards or cryptocurrency.

Fraud trend:

A recent wave of scams in Florida involved robocalls from supposed “Medicare agents” asking seniors to confirm their Social Security numbers or face coverage suspension.

Red Flags:

• Government agencies never demand payment over the phone.
• Use of fear tactics and urgent time constraints.
• Requests for personal identifiers via unsolicited contact.

3. Romance Scams: Love Turned Costly

The emotional toll of romance scams is as devastating as the financial damage. Scammers cultivate online relationships with older adults, sometimes over months, before inventing crises — medical emergencies, stranded travel, legal trouble — that require urgent financial help.

In many cases, victims empty savings accounts or take out loans, believing they’re helping a loved one. The “lover,” of course, vanishes once the money is sent.

According to the FTC, seniors lost over $450 million to romance scams in 2024 — a 20% increase over 2023.

How to Spot It:

• The love interest refuses video calls or in-person meetings.
• Stories quickly escalate to financial hardship.
• Requests for secrecy or privacy from friends and family.

If you suspect fraud, report it immediately to the Federal Trade Commission (www.reportfraud.ftc.gov) or the Elder Fraud Hotline at 833-FRAUD-11 (833-372-8311).