Scammed? What to do if…quick tips from AARP and a St. Louis, MO., Bank
The phone rings. You don’t recognize the number, but it’s your area code. It could be your doctor or the hospital’s main number. You had a recent surgery there. You think, “I hope there’s not an insurance problem.” You answer. It’s someone telling you that it's Medicare, and they start to ask for your Social Security number, date of birth and more. You are completely caught off guard. Fortunately, you bang down the phone and say nothing, just in case you are being recorded. That could come back to haunt you when they use your voice for a subsequent scam.
The rising number of senior scams is alarming, and new schemes are emerging constantly. The offenders aim to steal your money and identities through virtual prying eyes or carefully planned phone calls. Staying alert and cautious is essential to protecting your identity and financial security.
If you are caught in a scamming tsunami, here are a few tips about what to do from AARP and Central Bank in Missouri, where we both still have accounts. If you've experienced fraud, report it immediately to your bank, other financial institution/s or credit card company.
Put on the gloves and fight back. You can do so with the following resources and tips.
For help:
AARP has a Fraud Watch Network aarp.org/fraudwatchnetwork mentioned in the October/November 2025 issue of AARP Magazine/AARP Takes on Fraud article - Search), titled “How We’re Fighting for You: AARP Takes on FRAUD.”
There is also an AARP fraud helpline: 877-908-3360.
What to do if...From Central Bank’s Security Team
Your Identity is Stolen
Contact your bank to report identity theft, then file a report with the FTC at IdentityTheft.gov
You Experience an ATM Skimming Incident
How to Protect Yourself
Recognizing fraud and keeping yourself informed about the latest security scams are your first lines of defense.
Use Strong Passwords: Create complex passwords, don't reuse passwords and change them regularly.
- Enable Two-Factor Authentication: Add an extra layer of security to your online accounts.
- Be Wary of Phishing: Don't click on links or download attachments from unknown sources.
- Monitor Your Accounts: Regularly check your bank statements and report any suspicious activity immediately.
Stay informed about trending scams to protect your information.
Stay in the know and identify fraud attempts with card alerts.
Enhance your security by exploring our fraud education resources.
Pay attention. Save these numbers and website addresses, just in case. Don’t be taken in by anyone you don’t know whether on the phone, in an email or text. You worked too hard for your money, so don’t allow anyone to steal it or your identity.
Audrey Steuer
AARP has wonderful webinars dealing with how to protect oneself from Fraud. They offer some, usually one-hour, sessions that deal with different types of fraud. Also, in our area, the Westchester Senior Services department in the County government also offers online courses dealing with fraud among other issues confronting Seniors. I imagine other states/counties might also offer them. I live in New York. Be sure to check credit card statements as well as your bank’s credit reporting service. I will also save this list in case it’s needed – very clear, concise and well-organized. Thank you!
Marianne Logan
Thanks for your research. This is my worst nightmare. Having some resources at hand just in case is comforting. I will save this and hope I never need it.