AARP Foundation ElderWatch


Once you recognize a potential scam, it’s important that you know how to refuse becoming a victim. An important thing to remember is to ask questions and take your time before ever making any kind of financial decision. We’ve also found the following methods to be effective:

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The first is to never, ever provide your private information, such as your Social Security number, bank account or birth date to anyone who contacts you unsolicited.

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Secondly, never send a check or wire money to anyone who contacts you if you do not know them personally. If you receive an unwanted call, piece of mail or email, hang up, shred it, delete it and DO NOT RESPOND.

Man holding red phone, Scam alert for robocalls posing as cardholder services

Make sure you’re signed up for the Federal Do Not Call list. You can visit to submit your phone number. Your state may also have a state-specific No Call list, and it’s a good idea to register your numbers on that list as well. However, while being registered on the Do Not Call list will cut down on the amount of telemarketing phone calls you receive, you should also develop what we call a refusal script – memorize it or put it on your fridge so that you don’t get flustered and have a quick, easy way to just say no and to hang up. A sample refusal script might be “Sorry, I’m not interested. I don’t make any financial decisions without consulting my ____ (fill in the blank)” and then hanging up the phone. Don’t worry about missing out on something – if it seems too good to be true, it probably is!

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Lastly, ask questions and do your homework. Questions are empowering, and many scammers will shut down once you start asking them. However, it’s a good idea not only to ask questions, but to do your homework on their answers. Research the company through an organization like the Better Business Bureau and talk to friends and family before taking any kind of action.



Report Fraud:
option 2


AARP Toll-free Nationwide:

Toll-free TTY

Report fraud or financial exploitation at 1-800-222-4444, option 2


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Help raise awareness of fraud and scams by scheduling a presentation. For more information, email your contact information to Mark Fetterhoff.

african american woman, elder watch (Istockphoto)


Help others recognize, refuse and report fraud by volunteering with us. For more information, email your contact information to Mark Fetterhoff.


AARP Fraud Watch Network

Sign up for watchdog alerts to protect yourself and your loved ones. Learn More »

Colorado Attorney General

File a consumer complaint and learn more about resources in Colorado. Learn More »

FBI's Internet Crime Complaint Center

Learn about scams targeting older Americans and report these crimes. Learn More »

Federal Trade Commission

Avoid identity theft and other scams and know how to report them. Learn More »

FINRA Investor Education Foundation

Visit the fraud center to learn about investment fraud and how to avoid it. Learn More »

About Elderwatch

AARP Foundation ElderWatch engages hundreds of volunteers each year to help older consumers recognize, refuse and report fraud and scams. This website provides additional information and tools to help protect consumers against financial exploitation.