The other night, I got a strange phone call. The number had my same area code, and a lot of other digits that were similar to my phone number.
“Hello,” said the voice on the other end. “This is Kate, I’m calling about a significant problem with your health insurance.”
Something didn’t seem right.
“Sorry,” I said, “This seems like a robocall.” I wasn’t sure why I was talking to a robot. Maybe I was too polite.
There was a pause on the other end of the line. Then Kate finally answered. “…No,” she said in a slightly monotone voice. “Do you want to solve the significant problem?”
At this point, I hung up. I couldn’t believe I’d almost been fooled. I should have known better. But robocalls are designed to scare you into answering – into interacting in any way. These scams can be especially dangerous for seniors, who usually haven’t had as much experience dealing with bots.
Robocalls are typically scams targeting seniors. That’s because seniors usually have landlines (which are more susceptible to robocalls), they answer unknown numbers more often (not having grown up with caller ID) and they have less experience with the world of internet scams.
With just a little bit of background knowledge, you can be savvier about how to avoid robocalls and other scams targeting seniors.
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Download Now!Why Robocalls?
The internet has made scammers and con artists a lot sneakier than they used to be. It’s also made it a lot easier to run thousands of automatically-dialed robocalls at once. Don’t have your number in the phone book? It doesn’t matter – that’s not what these phone farms are relying on. They can scrape phone numbers from almost anywhere, across the internet and beyond.
Think you’re getting more robocalls than you used to? That’s because you are. According to the Federal Communications Commission, U.S. consumers received nearly 4 billion robocalls per month in 2020.
Scammers want to lure you into revealing private information. They do this by scaring you into going along with their schemes. Robocalls prey on common anxieties and desires among Americans, like health insurance, COVID-19, student loans, Social Security, tax errors, interest rate scams and get-rich-quick schemes. Robocalls are one of the main ways that telemarketing scammers prey on their victims. They are depending on you being naïve and unaware of their tricks.
How Do I Avoid Scams Targeting Seniors?
Caller ID can be helpful when you’re trying to avoid phone scams targeting seniors. Be wary of unknown numbers. Not every unfamiliar number is dangerous, but there are some red flags you should be looking out for. Exercise caution when the number is unfamiliar to you or is simply marked “unknown.”
Many phone scams rely on “spoofing,” which means that the number you see on your Caller ID might not be the actual number that is calling you. Spoofed numbers will usually look very similar to your own phone number – down to minute differences like one or two different digits. Spoofed numbers are trying to trick you by throwing you off with a number that is familiar to you. They’re hoping you’ll answer – at least out of curiosity, if nothing else.
Not all robocalls are bad, however. Some robocalls could be your pharmacy notifying you of a new prescription, or an automatic system notifying you of an upcoming appointment at the dentist. If you have any doctors, pharmacies or other services that use automated calls, save their numbers in your phone so that you know they’re safe to answer.
It’s not the end of the world if you accidentally answer a robocall – but it does mean you’ll most likely get more of them. Whenever you answer a spam call, you are filed as an “active phone number,” which means that the scammers know there’s someone who will pick up at the other end of the line. Answering robocalls only begets more robocalls.
What if I Answer?
Answering a call doesn’t automatically mean you’ve fallen victim to the scam. When you pick up the phone, just be vigilant.
Phone bots don’t sound the same as they used to. Most of them sound almost like real people. Sometimes they’re prerecorded tracks from actors, making it even more difficult to tell.
The best way to tell if someone is really a robot is to be familiar with what modern phone bots sound like. Phone bots are often incapable of answering questions that their programmer hasn’t anticipated. That’s why, when I said “This seems like a robocall,” Robot Kate said “No.” I wasn’t technically asking a question, and “No” didn’t technically answer. Kate was almost there, but she didn’t quite make sense.
Phone bots will often take a couple more seconds than the average person to reply to what you’re saying. This is because it has to understand what you have said, then choose from a script what the best answer would be. They usually can’t keep up with the pace of a normal conversation.
Do not give out any personal information to a stranger who has called you unexpectedly over the phone. You don’t know what they’re planning on doing with it. This includes your name, birthdate, passwords and other sensitive information.
Avoid saying the word “Yes.” Scammers have been known to record your “yes” response and use it as proof that you agreed to something that you didn’t, like a credit card charge. Do not press any buttons that the bot might ask you to press (like to speak to a human being, for example). It’s a trick.
If you feel that a call is suspicious in any way, go with your gut. The best thing you can do to combat scams targeting seniors is to hang up.
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Learn more about common scams and how to protect yourself. You can report phone scams to the Federal Trade Commission, robocalls and unwanted telemarketing to the Do Not Call Registry and Caller ID spoofing to the Federal Communications Commission.
Have you ever gotten a suspicious robocall? What did you do? Tell us about your experience in the comments below!
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When I get a call like that I just say this sound very good I need to get a pencil and paper. I then put the phone down a go about my business, 10 or 15 minutes later I pick up the receiver surprise no one is there. At least I wasted so of their time also.
There’s been -some- good news. As of June 30 (2021), major phone providers were required to have caller-authentication technology in place that ensures that a call isn’t being illegally spoofed. Whether it works as designed, it’s too early to say.
https://magazine-northeast-aaa-com-staging.go-vip.net/daily/money/retirement/scams-targeting-seniors/?mqsc=ED4116063&utm_source=AdobeEmail&utm_medium=Daily&utm_campaign=210901_YourAAADaily&cid=DM215331&bid=1015650649&hme=f0cf0a8a5b7325e0660e56c41aa6b7ce5658c27c483fece30d7a8bcf02463554
Until the phone companies charge for outgoing calls there will be no end to them. And they should publish the actual number making the call.
It’s been over a year that my mother has been getting this call. Sometimes three times a day. How do we stop these calls?
I sometimes answer and tell them in a veerrry sllowww vvoice that I’m so happy they called. I tell them I’m old and lonely but have no money and can’t buy anything. Will they just talk with me for a while? Can’t tell you how fast they hang up. Except for one, who passed me on to a colleague he despised.
Good one! Sounds like fun.
I am always getting robo calls and unsolicited calls. The funniest one was via CallerID. I get a lot of calls with the same area code and the first three digits of my number–appearing as though a person from the area is calling. It even has their name. One day, my own phone number showed up as the caller ID, not once, but twice in the same day. The call went straight to voice mail both times. No messages were left.
It would have been if you had provided the phone # for the Do Not Call Registry.
When I get calls that want to record i say that I don’t speak to recorded conversations and THEY end the call.
I tell them that I am in jail because I just shot a scammer…. end of call
Good one!
I have gotten into the habit of picking up the phone then hang up right away, I don’t say anything. However, after reading this article, this happen has just ended. Thank you for this information.
I deal with this problem this way. My greeting message goes like this:
“This phone will not be answered unless you identify yourself and who you represent.”
I found it amazing how many just hang up and I’m a lot less aggravated.
I answer calls from callers not in my caller Id list by saying:
“Sheriff’s Department, Fraud Division, can I help you!”
This results in immediate hang ups by caller.
Love it!!
I find this has been working. I pick up the phone and hold my finger on the mouthpiece part. I just listen for a while. If someone is there ( like a doctor or pharmacist) they’ll say Hello. If it’s a robot you’ll hear a click of them hanging up.
I’ve recently moved out of state but kept my cell phone number. Now 99 percent of robocalls come from my old area code and the rest from random parts of the country. Not a single one has indicated that it’s in my current area code so I can answer those and update my contact list as I add new friends and businesses.
When I was going to the hospital for treatments I was getting a lot of spam calls from doctor’s and hospital numbers. Twice I got a call from my own land line. They’re relentless.
If I suspect a scam call of have been duped into picking up I usually speak to the person I’m a different language, Mandarin or Hindi is enough to make them immediately hang up. My position is I’ll make them pay for getting me to pick up; when asked my name I tell them it’s Richard Head but to call me what everyone else does -Dick Head. Some get it and laugh but all will always hang up.
What’s hard now is a lot of companies have employees who are working from home and when they call you it comes up as their personal numbers and the company name doesn’t show so you have no idea who it is. I’m dealing with a lot of social service agencies now due to an injury I have and many people are calling me from home. I don’t answer their calls and let them go to voicemail and then call them right back but sometimes I’ve missed the person I needed to talk to.
It’s very frustrating.
I once got a call at 11:35 PM claiming to be from the IRS – the familiar “We are going to arrest you for unpaid taxes” one. It was hilarious, for two reasons.
First of all, the person on the phone, who had a strong South Asian accent, introduced himself as “Joe Smith”, or some such name. Yeah – no. The IRS requires anyone with whom you speak to use their REAL name; he would actually have been more believable if he had introduced himself as “Mahesh”.
But the kicker was the time. The IRS is a government agency. Government bureaucrats are NEVER working at 11:35 PM! If he was a real IRS agent, he would have waited until the next “business day”.
I guess he misjudged the time zone difference.
I sometimes answer, because I have friends and family from out of town, and local doctors. Sometimes I let it go to my answering machine. When I answer and it is a phony or a persistent salesperson, I know how to block them ( on my home phone and on my cellphone)
I answer robocalls with “This is Sergeant Ferguson of the Fraud Task Force. If you have a fraud or a scam to report, we can forward it to the appropriate jurisdiction. How may I help you?” I rarely get the chance to finish the entire statement before they hang up.
I totally agree with the prior comments, especially call blocker devices. A few times I did answer the call only to be advised that I was on a recorded line. My response: please let the recorded line know that my phone number is on the do not call list and you have committed a federal offense. I hung up and never got that call again.