Today’s scammers use artificial intelligence to create fake videos of your grandchildren asking for help, craft emails that look identical to your bank’s messages, and even clone voices to sound exactly like family members in distress. Many of us discover that staying safe from fraud requires more than just common sense anymore. That’s where AARP’s Fraud Watch Network becomes your trusted ally.

Your Free Fraud Defense Team

The AARP Fraud Watch Network operates as a comprehensive resource available to everyone, not just AARP members. At the heart of this service is the fraud helpline at 877-908-3360, staffed by trained specialists who field thousands of calls each month. These are real people who understand what you’re going through and provide judgment-free guidance.

The service operates Monday through Friday from 8 a.m. to 8 p.m. Eastern Time. Every call helps AARP track emerging scam trends to better protect others in your community.

Real-Time Scam Intelligence

The network’s Scam-Tracking Map shows user-reported scams by location, helping you understand specific threats targeting your neighborhood. Recent data shows losses from scams reported by Americans over age 60 reached $3.4 billion in 2023, up 11 percent from the previous year.

The Three Red Flags System

AARP’s fraud specialists emphasize watching for three key warning signs: an unexpected contact, a surge of emotion, and a sense of urgency. When you encounter these elements together, take an “active pause.” This gives you time to process what’s happening and can prevent you from falling victim to sophisticated schemes.

Community Resources and AI Challenges

The network extends beyond phone support with free online fraud prevention workshops through their Virtual Community Center. For those dealing with fraud aftermath, AARP provides confidential small group victim support programs.

Artificial intelligence has transformed how scammers operate in 2025. Deepfakes can create realistic videos of people saying things they never said, while AI voice cloning can replicate your loved one’s voice after hearing just seconds of audio. To combat this, establish code words or secret phrases with close family members that only you would know.

Taking Action

If you receive suspicious communications, verify through independent means. Call your family member on their known phone number or contact your bank using the number on your statement. For immediate protection, consider placing fraud alerts on your credit reports or freezing your credit at all three bureaus.

When you report scams to AARP’s network, you help protect others by contributing to broader understanding of criminal tactics. Being targeted by scammers isn’t a reflection of your intelligence; these criminals invest significant resources into deception because it’s their profession. Your best defense combines staying informed, trusting your instincts, and knowing reliable resources like the AARP Fraud Watch Network stand ready to help.