Is That Really Your Grandchild? How to Avoid the Grandparent Scam

What Is the Grandparent Scam?

The scam usually starts with a phone call, text, or even an email. The person on the other end says something like:

“Hi Grandma, it’s me. I’m in trouble. I need help—can you send me money?”

They might claim to have been in a car accident, arrested, or stuck in another country. They’ll ask you to keep it a secret and send money right away—usually by wire transfer, prepaid card, or gift card.

The voice might sound different, but they’ll have excuses like, “I’m hurt,” or “I’m calling from a borrowed phone.”

Why this Scam Works

Scammers are good at creating panic. They want you to act fast without thinking. They rely on love and concern to make you forget to ask questions.

They may even know your grandchild’s name or have details about your family—often gathered from social media or public records.

Warning Signs

Here are red flags that may signal a scam:

• The caller asks for secrecy: “Please don’t tell Mom or Dad.”
• They want money sent in a way that’s hard to trace (gift cards, wire transfer).
• They sound urgent and emotional, hoping to confuse you.
• You feel rushed, scared, or pressured.

How to Protect Yourself

• Stay calm. Take a deep breath and don’t rush into action.
• Ask questions. Something only your grandchild would know. Scammers often can’t answer specifics.
• Hang up and call. Use a known number to call your grandchild or another family member.
• Don’t send money until you verify.
• Report the scam.
• Contact your local police.
  

A Real-World Example

Mary, a retired schoolteacher, received a call from someone claiming to be her grandson. He said he’d been in an accident and needed $2,000. He begged her not to tell his parents.

Mary was worried but decided to call her grandson directly. He answered the phone from his college dorm—safe and sound.

Because she stayed calm and double-checked, Mary avoided losing money.

Final Thoughts

You want to help your family—but scammers are counting on that. Trust your instincts. Take your time. Ask questions. If something doesn’t feel right, it probably isn’t.