Scammers continue to find new ways to take advantage of people’s emotions, and one of the most manipulative tactics is the “Relative in Need” scam, sometimes called the “Grandparent Scam.” This scam uses fear, urgency, and personal details to convince you that a loved one is in danger and needs money immediately.
What Is the “Relative in Need” Scam?
The scam usually starts with a sudden phone call, email, or social media message. The scammer claims to be a family member or someone acting on their behalf, stating that your loved one is in trouble and urgently needs financial help. Common stories include being in jail, stranded while traveling, or involved in an accident.
Scammers often use social media to gather details about your family relationships, recent trips, or other information that makes the story sound believable.
Why This Scam Works
- Emotional manipulation: The scam plays on your instinct to help someone you care about.
- Use of real details: Scammers may mention names or places you recognize to make the story seem true.
- Urgency and secrecy: Victims are often told to act fast and not tell anyone, preventing verification.
- Fear of consequences: Warnings about legal trouble or health emergencies pressure people to send money quickly.
Common Red Flags
Watch for these warning signs:
- A message or call from someone you rarely hear from asking for urgent help
- Instructions to keep the situation secret
- Requests to send money via gift cards, wire transfers, or cryptocurrency
- Vague or inconsistent information when you ask for more details
How to Protect Yourself and Loved Ones
- Stay calm: Scammers hope you will panic. Take a moment to think before acting.
- Verify the story: Call or text your relative using the number you already have or check with another family member.
- Ask questions: Challenge the caller with questions only your real relative could answer.
- Limit what you share online: Avoid posting details about your family or travel plans on public profiles.
- Educate others: Talk with loved ones, especially older family members, about this type of scam so they can recognize it too.
What to Do If You Suspect a Scam
If you believe you have been targeted:
- Contact local law enforcement
- Alert your financial institution if you provided any financial details
- Report the scam to the Federal Trade Commission (FTC)
- Use social media reporting tools if the scam came through those platforms
The “Relative in Need” scam is designed to trick you into acting on emotion without stopping to verify the facts. By staying informed, asking questions, and talking with someone you trust, you can protect yourself and others from falling victim to this kind of fraud. Always verify before sending money or sharing personal information.
