Phone scammers specifically target older adults. Common scams: IRS impersonators threatening arrest, Social Security suspension calls, tech support from Microsoft or Apple, a grandchild in trouble needing money, and offers of free medical devices. All demand payment by gift card, wire transfer, or cryptocurrency.
The caller creates urgency: Your account will be closed today. They demand payment in unusual forms like gift cards. They ask for your Social Security or bank details. They insist you keep the call secret. Government agencies never demand payment by phone. Real tech support never calls you unsolicited.
Hang up immediately. You do not need to be polite. If worried the call might be legitimate, call the organization back using a phone number from their official website — not the number the caller gave you. If you shared information, call your bank right away to freeze accounts.
iPhone: Settings > Phone > Silence Unknown Callers. Android: Phone app > Settings > Caller ID & Spam > enable spam filtering. Register your number at DoNotCall.gov. Consider apps like Nomorobo or Hiya for extra protection.