Common scams

Learn about common scams targeting your personal information and money. Plus, try our Scam Identifier Tool to learn more how you can protect yourself.

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Am I being scammed?

It’s often difficult to tell the difference between a scam and an urgent request or a new opportunity. This tool will help you to determine whether or not you’re being targeted by a common scam and guide you to more information as to how to spot and avoid everyday scams.

Common scams targeting seniors and older adults

Emergency scam

Emergency scams prey on your fear of a loved one being hurt or in trouble. Scammers claim to be someone close to you, often a family member or close friend, telling you that they need money urgently. Grandparents are a particularly vulnerable demographic that are frequently targeted by this scam, so it is also commonly referred to as the ‘Grandparent scam.’

Scammers pretend to be a grandchild, or loved one, begging them not to tell anyone -specifically their parents - that they’re in trouble and need money. Grandparents are often quick to help, so they’ll send money to a fraudulent account owned by the scammer, and they won’t find out until it’s too late that the money never made it to its intended recipient. Parents and other close friends can also very easily fall for this scam. 

If someone calls you and claims to be a family member or friend in an emergency and urgently asks you for money, don’t fall into their trap.

Scenario’s fraudsters may use include:

  • Needing bail money because they’ve been arrested
  • Needing money urgently after being in a car accident
  • Needing money to return from a foreign country 

Here’s a few simple steps that you can take to avoid falling victim to this scam:

  • Never offer personal information to the caller – have them tell you instead. If they prompt you with a question like: “Do you know who this is?” Simply say ‘No.’ and have them tell you who they are.
  • Ask for details. Ask them questions about their specific location or have them repeat their story in greater detail. Scammers have a hard time recalling details or coming up with them on the spot.
  • After you hang up, verify the story by calling the parents or other relatives of the “grandchild,” even if you’re told to keep the call confidential.
  • Never wire money or send an e-transfer to someone under uncertain conditions.
  • Never pay with a gift card. No real business or government agency will insist you pay them in this method.
  • Don’t provide your credit card number over the phone or internet unless you are sure about who you’re giving it to.

If you believe you’ve been a victim of the emergency/grandparent scam, call us immediately at 1-866-625-0561 and report it to your local anti-fraud centre.

For Canadian citizens, contact the Canadian Anti-Fraud Centre (CAFC) at 1-888-495-8501 or visit the CAFC reporting page for more information. 

Recognize it

Fraudsters exploit vulnerability and the desire to care for family and friends, to get you to send money fast.

Reject it

Don’t feel pressure. Verify the story by calling another family member or friend. 

Report it

Call us immediately at 1-866-625-0561 report it to your local anti-fraud centre.

Report an incident or suspicious activity