Scam calls
Grandparent scams: what to do when a 'family member' calls in trouble
The short answer
If someone calls saying a grandchild or relative is in trouble and needs money right away, hang up and call that person directly at a number you know. If you can’t reach them, call another family member (FTC).
Scammers rush you, ask you to keep it secret, and want payment by wire, cash, gift card, payment app, or crypto (FTC). Those are the signs to stop.
How the scam works
The caller pretends to be a grandchild, or someone speaking for them like a lawyer or police officer. They say there’s been an accident or an arrest and money is needed now. They often ask you not to tell anyone (FTC).
Some scammers use AI to clone a family member’s voice from short clips posted online, so the voice may sound real (FTC). Caller ID can also be faked (FCC).
The FCC warns that some scammers now send a courier to your home to pick up cash (FCC).
How to check
- Hang up. A real family member will understand.
- Call them directly at the number you already have, not one the caller gives you (FTC).
- Call another relative if you can’t reach them (FTC).
- Ask a question only the real person would know (FTC).
Set up a family safe word
Pick a word or phrase that only your family knows, and agree to ask for it in any emergency call. The FCC recommends this as a simple defense (FCC). Don’t post it anywhere online.
If you already sent money
- Wire or bank transfer: call your bank right away.
- Gift card: contact the card company and keep the card and receipt (FTC). See gift card scams.
- Cash handed to a courier: call your local police.
- Report it to the FTC at ReportFraud.ftc.gov and to the FBI at IC3.gov.
AARP keeps a helpful overview at Grandparent Scams, and the AARP Fraud Watch Network Helpline (877-908-3360) can talk you through next steps. See also is this a scam?
Common questions
How do I know if it’s really my grandchild?
Hang up and call them at the number you already have. If you can’t reach them, call another relative, or ask a question only they would know (FTC).
Can scammers really copy a voice?
Yes. The FTC warns that scammers can use AI to clone a voice from short clips (FTC). A familiar voice alone isn’t proof.
What is a family safe word?
A word only your family knows. Ask for it on any urgent call asking for money. The FCC recommends it (FCC).
They said to keep it secret. Should I?
No. Secrecy is a warning sign (FTC). Talking to another family member is the fastest way to find out the truth.
Someone came to my door to pick up cash. What do I do?
Don’t hand over money. The FCC warns about in-person cash pickups in these scams (FCC). Call your local police.
This page is general information, not legal or financial advice. If money already left your account, call your bank or card company first.