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I Think He's Being Scammed

A steadier ground guide to discovering that a stranger has been working on him, sometimes for weeks. What's usually behind it, what to say that won't drive it into hiding, and when to bring in outside help. If money left his accounts in the last few days, call his bank's fraud line before reading any further.

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Notice the heat of it, the fury at whoever did this and the flash of "how could he" aimed at him. The second one will reach him first if you let it, and it's the one most likely to send the next phone call into hiding.

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What May Be Happening

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Before anything else, ask whether this is new for him. A man who has always been careful with money and now believes a caller claiming to be from the government, or sends savings to an online friend he has never met, may be showing you a change in judgment before his memory shows one. Researchers who followed older adults for several years found that people less able to recognize scams were about twice as likely to later develop mild cognitive impairment or Alzheimer's disease, so if there's no diagnosis yet, this belongs in front of his doctor. One hard distinction belongs here too. If the person taking money is someone he knows, a relative, a neighbor, a paid helper, this guide isn't the right tool, and that's a call for Adult Protective Services.

The scam works on him because of what it gives him as much as what it takes. The caller who phones every afternoon offers attention, the grandson in trouble lets him be the one who rescues, and the prize or the investment promises he can still provide. Dementia can wear down the ability to judge another person's intentions well before it takes the ability to hold a warm conversation, so a patient stranger can feel more trustworthy than a worried son asking pointed questions. Scammers count on this, and many tell their targets to keep the arrangement from family who won't understand. When he defends the caller, hides the mail, or gets angry that you asked, he may be protecting something that feels real to him, and doing exactly what he was told to do.

What decides your next move is whether money is still moving. If it already happened and the contact has stopped, the work is recovery and repair: report it quickly, and make it safe for him to tell you next time, because shame keeps many older people silent after they've been fooled. If the calls, letters, or messages are still coming, the conversation about what happened can wait. Stopping the flow comes first, through his bank, his phone, and his computer, and it usually has to happen alongside him rather than by persuading him, since someone who believes the story can't be argued out of it in one sitting. Unless someone holds legal authority over his finances, the money and the decisions are still his, which is why the fastest route runs through him and his bank rather than around him.

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What to Say

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"You're not in trouble, and you're not the first person this has happened to."
Shame is what keeps people hiding the next contact, and taking it off the table first makes the rest of the conversation possible.
"Let's call the bank together and ask them to check it."
It moves the question of what's real to a neutral authority and keeps him in the room as the account holder, instead of you acting as the judge.
"If it's real, it'll still be real after we check."
Scams run on urgency, and a sentence he can agree with slows the clock without calling anyone a liar.
"Tell me about your new friend. How did you two start talking?"
Curiosity keeps the door open and gets you the names, dates, and payment details an interrogation would lock away.
"Let's put my number on a card by the phone, so anyone asking for money has to talk to me too."
The card does the remembering for him in the moment a caller is pressing, and it makes you a partner at the phone rather than a guard at the bank.
What Not to Say
"How could you fall for that?"
It's the most natural sentence in the world after a loss, and it guarantees that the next contact stays secret.
"He doesn't really care about you."
It may be true, and it attacks the one relationship that has been making him feel good, often in words the scammer already warned him family would use.
Quietly taking his checkbook, phone, or cards.
When he finds out, and he usually does, it confirms the story he's been told about family, and the money may move somewhere you can't see.

What to Try Next

When talking him out of it isn't working, stop trying to win the argument and change what the scammer can reach.

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  1. Call his bank's fraud department with him on the line and ask about alerts for large withdrawals and transfers. Ask too whether he can name you as a trusted contact, which some banks offer and investment firms are required to request, and which lets them call you when something looks wrong without giving you control of his money.
  2. Change what gets through to him. With him, turn on call blocking through his phone carrier and freeze his credit at the three credit bureaus, which is free, and if a caller ever had remote access to his computer, disconnect it from the internet and change his bank and email passwords from a different device.
  3. Replace what the scam was giving him. If the daily call was company, set up a regular one with a real person, a grandchild, an old friend, or a volunteer visiting program, since a lonely person who loses one scammer can be found by another quickly.
  4. If you feel the conversation turning into an interrogation, stop and hand it to someone he hears differently: his doctor, his banker, a longtime friend, or a case manager from the National Elder Fraud Hotline.
Track the Pattern

For the next week, write down every call, letter, or message he mentions or you see that asks for money or personal information, with the date, the name used, and the amount requested. This is exactly what the bank, the police, and a fraud case manager will ask for, and it shows whether the contact is fading or finding new ways in.

Print the one-page log if you want somewhere to keep this, and take it to the appointment.

When to Get Outside Help

This is what the tracking is for. Dates, names, and amounts turn "I think he's being scammed" into something a bank, a police officer, or a case manager can act on.

Get Outside Help Now

  • Someone is on the way to pick up cash, gold, or other valuables, or he's been told to hand them to a courier. Call 911, and don't let anything leave the house.
  • Money went out in the last few days, or is still going out. Call the bank or company that moved it and ask them to stop and reverse it, and for gift cards, call the number on the back with the card and receipt in hand.
  • The person taking money is someone he knows, a relative, a neighbor, or a paid helper. Call Adult Protective Services, and call 911 if he's being threatened or pressured in person right now.

Worth Considering

  • Calling the National Elder Fraud Hotline at 1-833-372-8311 on a weekday, where a case manager helps with reports, and filing at ReportFraud.ftc.gov. Anyone who contacts him offering to recover the money for a fee, or claiming to be from the hotline or a government agency, is running another scam.
  • Raising it with his doctor if nothing like this has happened before, since a new change in financial judgment can be an early sign of cognitive change.
  • Talking with an elder law attorney if the losses are large or keep repeating, while he can still take part in planning how his finances are protected.
One scam doesn't mean he can no longer manage his own money, and plenty of sharp people have been taken in by practiced criminals. A pattern of new contacts, repeated losses, or a story he can't let go of is a different signal, and it's worth building protections with him now rather than after the next loss. If you want to talk it through with someone first, the Alzheimer's Association runs a free 24/7 helpline at 1-800-272-3900.

The scammer found the parts of him that still trust and still want to be generous. Your job is to put a fence around those parts so he gets to keep them.

Written by Matt Field, Dementia Care Specialist, from the Steadier Ground Method and established caregiving guidance. This is general caregiving guidance, not a substitute for medical advice specific to your situation. In an emergency, call 911.