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Retirees lose millions to fake holiday charities as scammers exploit seasonal generosity

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Retirees lose millions to fake holiday charities as scammers exploit seasonal generosity

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The holidays are supposed to be a season of generosity, family and giving back. For many retirees, October through December is the time to support causes close to their hearts, whether it’s helping veterans, feeding families or donating to disaster relief. But there’s a darker side to this generosity. Scammers know that retirees are among the most generous members of our communities, and they exploit that kindness to line their own pockets.

Millions of dollars are stolen through fake “charities” that pop up just before the holidays. Their calls, letters and emails look legitimate, but the money never reaches those in need. Instead, it funds criminals who are ready to strike again.

Here’s what every retiree (and their loved ones) should know about holiday charity scams and how to protect their money, identity and peace of mind.

HOW RETIREES CAN STOP FAKE DEBT COLLECTOR SCAMS

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Scammers mimic real charities to pressure retirees into quick donations. (Kurt “CyberGuy” Knutsson)

Why retirees are prime targets for fake charities

Retirees often give more generously than other groups. Scammers know this, and they know how to tailor their pitch.

  • Emotional appeals: Fraudsters will mention children, veterans or natural disaster victims to tug at heartstrings.
  • Polite persistence: Retirees tend to answer calls and engage longer on the phone, which scammers see as an opportunity.
  • Data exposure: Your name, age, phone number and even donation history can already be found online through data brokers. That means scammers don’t need to guess; they target you because they know you’ve donated before.

When you combine generosity with publicly available data, scammers see retirees as the “perfect donors.”

HOW SCAMMERS TARGET YOU EVEN WITHOUT SOCIAL MEDIA

Fake charity red flags

How do you know if a charity request is real or just a scam dressed up for the holidays? Look for these warning signs:

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  • Pressure to act fast: If a caller insists you donate “right now” or tries to guilt you into giving before you hang up, it’s likely a scam. Real charities welcome donations anytime.
  • No details about how money is used: Authentic charities can explain where funds go. Scammers use vague promises like “helping the needy” without specifics.
  • Untraceable payment methods: Requests for gift cards, wire transfers or peer-to-peer app transfers (like Venmo or Zelle) are instant red flags.
  • Lookalike names: Fraudsters often invent names that sound similar to well-known charities, like “Veterans Hope Relief” or “Children’s Aid International.”
  • Caller ID tricks: Scammers can spoof numbers to make it look like they’re calling from a local area code or even a real charity office.

How to safely check a charity before donating

Here’s how to protect yourself while still supporting the causes that matter to you:

  • Research the charity’s name: Before donating, search it on sites like Charity Navigator or the Better Business Bureau’s Wise Giving Alliance at give.org/. If it doesn’t appear there, that’s a red flag.
  • Ask for written information: Real organizations will happily mail or email details about their mission, budgets and how donations are used.
  • Verify tax-exempt status: Use the IRS Tax-Exempt Organization Search at Irs.gov/charities-and-nonprofits to confirm the charity is legitimate.
  • Check how much goes to the cause: Some charities are real but inefficient, spending more on salaries than programs. Make sure your donation actually helps.

REMOVE YOUR DATA TO PROTECT YOUR RETIREMENT FROM SCAMMERS

Protecting your payment details

Even if the charity itself is real, you need to protect how you give:

  • Use a credit card rather than a debit card because credit cards offer stronger fraud protection.
  • Never give payment info over the phone if you didn’t initiate the call.
  • Donate through the charity’s official website instead of clicking links in unsolicited emails.
  • Keep records of your donations for tax purposes and to spot anything suspicious later.

The elderly must stay vigilant as holiday charity scams target older donors. (iStock)

Why removing your data online reduces charity scam calls

Here’s something most people don’t realize: many charity scams start with data brokers. These companies collect your personal details, such as age, phone number, donation history and even religious or political leanings, and sell them to anyone who asks. That means fraudsters can buy a ready-made list of “generous retirees who donate to veterans’ causes” and start calling immediately. The more information out there about you, the more personalized and convincing scam calls become. That’s why removing your data from broker sites is one of the most powerful defenses available to you.

The easy way to do it

Manually contacting hundreds of data brokers is a never-ending task. Each one has its own forms, emails and hoops to jump through, and many will re-add you months later. That’s where a data removal service comes in. They automatically reach out to data brokers on your behalf, demand the removal of your personal info and keep following up so it doesn’t creep back online.

While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

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Get a free scan to find out if your personal information is already out on the web: Cyberguy.com.

HOW SCAMMERS EXPLOIT YOUR DATA FOR ‘PRE-APPROVED’ RETIREMENT SCAMS

Protect your personal information by donating only through verified official websites. (Kurt “CyberGuy” Knutsson)

Kurt’s key takeaways

The holidays should be about joy, generosity and giving back, not about lining the pockets of fraudsters. By spotting the red flags of fake charities, double-checking where your money goes and removing your personal information from online databases, you can keep your donations safe and make sure they reach the people who truly need them. Remember: protecting your generosity is just as important as sharing it.

Have you ever been contacted by a fake charity during the holidays? What tipped you off? Let us know by writing to us at Cyberguy.com.

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Copyright 2025 CyberGuy.com. All rights reserved.  

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Technology

Siri Shortcuts now works with Samsung SmartThings routines

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Siri Shortcuts now works with Samsung SmartThings routines

Samsung’s latest SmartThings update adds support for Siri Shortcuts. In a press release, Samsung announced that you can now use Siri to run SmartThings routines, allowing you to use Apple’s voice assistant to control your smart home.

Siri Shortcuts is a feature in iOS that lets you run automations by asking Siri. These can either be created by the user in the Shortcuts app or by the manufacturers in their app.

This update should make it easier to control your SmartThings home using your iPhone, HomePod, or other Apple device. For example, you can now call on Siri to trigger your “Good morning” routine through SmartThings that automatically adjusts the lights, turns on your coffee maker, and opens your blinds when you wake up.

Samsung is also enhancing its SmartThings app for Apple devices. On the Apple Watch, you can now see a full list of your devices, send commands, and carry out routines, while the SmartThings app for iOS gives you the ability to view and control up to five of your most recently used devices from your lock screen with Live Activities.

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The #1 Google search scam everyone falls for

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The #1 Google search scam everyone falls for

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When something goes wrong with your bank account or delivery, your first instinct might be to type the company name into Google and call the first customer service number you see. But that simple search has become one of the biggest traps for scammers, and it’s costing people money, privacy and even control over their phones.

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A simple Google search for a company’s customer service number can lead straight to a scam. The first result isn’t always the safest one. (Kurt “CyberGuy” Knutsson)

He Googled his bank’s number and lost control of his phone

Here’s how one man’s quick search for help turned into a nightmare he never expected. Gabriel wrote to us in distress, asking,

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“I called my bank to check on some charges I didn’t authorize. I called the number on the bank statement, but they told me to go online. I googled the company and dialed the first number that popped up. Some foreign guy got on the phone, and I explained about the charges. Somehow, he took control of my phone, where I didn’t have any control. I tried to shut it down and hang up, but I couldn’t. He ended up sending an explicit text message to my 16-year-old daughter. How do I prove I didn’t send that message? Please help.”

Gabriel’s story is frightening, and unfortunately, it’s not rare. This type of attack is called a remote access support scam. Scammers pretend to be bank or tech support, then trick you into installing a program that gives them control of your device. Once inside, they can steal passwords, send messages or lock you out completely.

WHATSAPP BANS 6.8M SCAM ACCOUNTS, LAUNCHES SAFETY TOOL

Gabriel thought he was calling his bank, but the number was fake. Within minutes, a scammer took control of his phone and invaded his privacy. (Kurt “CyberGuy” Knutsson)

Why this scam works

Search engines reward paid ads. Scammers take advantage of this by buying ad space to appear above legitimate customer service numbers. The fake pages look professional, complete with company logos and 800 numbers that seem real.

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Once you call, the fake “agent” sounds knowledgeable and polite. They build trust, then convince you to install remote access software such as AnyDesk or TeamViewer. From that point, they can control everything on your phone.

What to do if this happens to you

Gabriel, what you went through is incredibly upsetting, and you’re right to take it seriously. Here’s what to do right away:

1) Disconnect and secure your phone

Turn off your phone immediately. Restart it in Airplane Mode and don’t connect to Wi-Fi yet. Run a full antivirus scan with strong antivirus software. 

2) Change all your passwords

Use a secure device that has not been compromised to reset the passwords for your key accounts, including email, cloud storage, phone carrier and banking logins. Create strong, unique passwords for each account and enable two-factor authentication (2FA) for added protection on all your devices and platforms.

Next, see if your email has been exposed in past breaches. Our #1 password manager (see Cyberguy.com) pick includes a built-in breach scanner that checks whether your email address or passwords have appeared in known leaks. If you discover a match, immediately change any reused passwords and secure those accounts with new, unique credentials.

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Check out the best expert-reviewed password managers of 2025 at Cyberguy.com

3) Contact your carrier and your bank

Let your phone provider know that your device was taken over. Ask them to check for unauthorized remote management apps or SIM-swap activity. Notify your bank’s fraud department and report the fake number you found on Google.

4) Report the explicit message

Take screenshots and save everything. Contact local police and explain that the message was sent from your number while your phone was under remote control. If a minor is involved, the case may be referred to the FBI’s Internet Crime Complaint Center (IC3.gov).

5) Factory reset your phone

Once your data is backed up, perform a factory reset on your iPhone or Android to remove any hidden software. Reinstall only apps you recognize from the official app store.

HOW TO STOP IMPOSTOR BANK SCAMS BEFORE THEY DRAIN YOUR WALLET

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Scammers use fake customer service numbers to sound convincing and gain remote access to your devices, turning a simple call for help into a digital takeover. (Kurt “CyberGuy” Knutsson)

Tips to stay safe from fake customer service scams

Falling for a fake customer service number can happen to anyone, especially when you’re in a rush or worried about your account. Here’s how to make sure you never get tricked by the same kind of scam that hijacked Gabriel’s phone.

Go directly to the company’s official website

Always type the company’s web address yourself or use the contact number printed on your card or statement. Scammers often create fake numbers that appear in search results, hoping you’ll call them instead of your real bank.

Don’t trust the first search result on Google

Search engines sell ad space to anyone, including criminals posing as real businesses. Those top “sponsored” listings can lead straight to scammers. Instead, scroll down until you find the official domain ending in .com, .org or .gov.

Never allow remote access to your phone or computer

No legitimate company needs to control your device to verify charges or fix an account issue. If someone asks you to install software like AnyDesk or TeamViewer, hang up immediately. These tools give strangers complete control of your screen and data.

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Hang up if the caller pressures you to act fast

Scammers rely on panic. When someone insists you act “right now” or risk losing money, that’s a warning sign. Stay calm, hang up, and verify the problem through your bank’s official website or number.

Use strong antivirus protection

Install and regularly update a trusted antivirus app. Strong antivirus software can block remote-access tools and spyware before scammers gain access. Regular scans also detect hidden threats that may already be on your phone or computer.

The best way to safeguard yourself from malicious links that install malware, potentially accessing your private information, is to have strong antivirus software installed on all your devices. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe.

Get my picks for the best 2025 antivirus protection winners for your Windows, Mac, Android & iOS devices at Cyberguy.com

Consider using a data removal service

Many scammers find victims through data brokers that sell phone numbers and personal details. A data removal service helps erase your information from these sites. As a result, it’s harder for criminals to target you with fake customer service scams in the first place.

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While no service can guarantee the complete removal of your data from the internet, a data removal service is really a smart choice. They aren’t cheap, and neither is your privacy. These services do all the work for you by actively monitoring and systematically erasing your personal information from hundreds of websites. It’s what gives me peace of mind and has proven to be the most effective way to erase your personal data from the internet. By limiting the information available, you reduce the risk of scammers cross-referencing data from breaches with information they might find on the dark web, making it harder for them to target you.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com

Get a free scan to find out if your personal information is already out on the web: Cyberguy.com

Monitor your identity with a trusted protection service

Even a short breach can expose your private information. Identity-monitoring tools alert you when your name, email or Social Security number appears on the dark web. That gives you time to act before scammers can use it.

Identity Theft companies can monitor personal information like your Social Security Number (SSN), phone number, and email address, and alert you if it is being sold on the dark web or being used to open an account. They can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals.

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See my tips and best picks on how to protect yourself from identity theft at Cyberguy.com

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Kurt’s key takeaways

The internet has made getting help easier than ever, but it has also made it easier for scammers to pretend to be helpful. The top way people are being scammed today isn’t through phishing emails or suspicious links; it’s by trusting fake phone numbers that look official. Take a few minutes to save the real customer service numbers for your bank, phone provider, and credit card company. One quick call to the wrong number could give a stranger access to your entire digital life.

With fake customer service numbers flooding search results, should Google be held responsible for protecting you from these scams? Let us know by writing to us at Cyberguy.com

Sign up for my FREE CyberGuy Report
Get my best tech tips, urgent security alerts, and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM newsletter.

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Copyright 2025 CyberGuy.com.  All rights reserved.

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Blue Origin scrubs second New Glenn launch

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Blue Origin scrubs second New Glenn launch

The second launch of Blue Origin’s partially reusable New Glenn rocket was scrubbed on Sunday due to adverse weather conditions, delaying NASA’s latest Mars mission. The Jeff Bezos-owned commercial space company announced that its next launch window from Cape Canaveral Space Force Station in Florida will be attempted “no earlier” than Wednesday, November 12th, between 2:50PM and 4:17PM ET.

This is a significant launch for the 320-foot-tall megarocket, which is tasked with sending NASA’s twin ESCAPADE (Escape and Plasma Acceleration and Dynamics Explorers) probes into space — the first Mars-bound mission since NASA launched its Perseverance and Ingenuity vehicles in 2020 to explore the red planet’s surface. The ESCAPADE satellites are projected to reach Mars orbit in 2027, where they will measure the planet’s magnetic field and atmosphere.

This will also be Blue Origin’s latest attempt to land New Glenn’s reusable first-stage booster, which, much like SpaceX’s Falcon rocket boosters, is designed to vertically touch down on a sea-based platform following launch. While Blue Origin successfully launched New Glenn for the first time in January after several delays, the booster was lost during its landing descent. A successful launch and landing would help Blue Origin to prove itself as a deep-space launch provider that’s capable of competing with established rivals like SpaceX and United Launch Alliance.

Blue Origin says it worked with the Federal Aviation Administration to select its latest launch window, having seemingly been given an exemption to new FAA rules that prohibit commercial rockets from being launched between 6AM and 10PM. This emergency order came into effect on November 10th to alleviate air traffic congestion during the ongoing government shutdown. If all goes to plan, the live webcast for New Glenn’s second flight will start 20 minutes prior to launch on Wednesday.

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