5 Times Scammers Use Your Grandkids to Steal From You

We all have a deep love for our grandkids, but scammers prey on that bond to trick us out of our hard-earned money. In a typical grandchild scam, fraudsters pose as worried grandchildren or lawyers with urgent financial emergencies. Victims—often elderly—find themselves sending cash, gift cards, or wiring money out of sheer panic and love. These scams are evolving fast, thanks to AI voice cloning and spoofed caller IDs, so even cautious families can get caught. Spotting these five common versions of the scam helps you stay one step ahead.

1. The Emergency Bail Call

Scammers impersonate a grandchild and desperately claim they’re in jail and need bail money now. They may bring in a fake lawyer or “cop” on the line to make it sound real, pushing you to wire the funds immediately. One ring of the phone can turn into thousands of dollars lost before you verify the story. These stories are often emotionally manipulative—“Please don’t tell mom or dad!” becomes the breaking point. Always hang up and call your grandchild directly before reacting.

2. AI Voice-Cloning Scams

News is showing a disturbing trend where scammers pull voice clips from social media or TikTok and use AI to mimic grandkids’ voices calling for help. These calls seem shockingly real, even fooling tech-savvy seniors. Hearing a familiar voice can make the scam feel urgent and airtight. To stop them, your family should agree on a secret passphrase for these situations. Never trust a voice alone—verify with a secondary call or trusted contact.

3. Courier Collection Ruse

Scammers don’t stop at the phone—they’ll send someone to your door posing as a “courier” to collect the money in person. This adds a scary layer of plausibility—someone shows up at your home to pick up cash, gift cards, or certified checks. Unmarked cars, official-looking receipts—it all matches fraudsters’ scripts. These in-person pickups have defrauded victims out of tens of thousands. Insist that no one comes to your door; hang up and call another family member first.

4. Endless “Reload” Demands

Once you’ve sent money, scammers may call back with stories of new emergencies—another accident, another legal fee—unrolling endless reloads to drain you dry. In one multi-state ring, victims were scammed in repeat waves, losing far more over time. These con artists prey on love and guilt, coaxing seniors to send again and again. The moment you feel rushed or pressured to send more money is usually the moment it’s a scam. Take a step back, talk to someone, and verify before any payment.

5. Family Feud Financing

Sometimes, scammers impersonate other family members—parents, sons, daughters—and claim the grandchild is too embarrassed to call. They spin stories of eviction, debt, or medical emergencies to build urgency. According to the FBI and AARP, impersonating extended family increases credibility and trust. Sadly, financial security gets broken by familiar voices and plausible-sounding tales. Pause before sending—call the supposed relative directly, preferably through a known number.

How Real Victims Lost Everything

These scams aren’t distant headlines—they’re happening now. On Long Island alone, over 3,000 victims lost $126 million last year via AI-generated voice scams. In another case, a Cleveland ring used ride-share drivers to collect cash, scamming tens of thousands from seniors. A national case out of Montreal defrauded hundreds of elderly Americans, netting more than $21 million in multi-state fraud. These aren’t isolated incidents—they’re part of growing, multi-million-dollar criminal networks preying on emotions.

Don’t Let Scammers Rewrite Your Story

Scammers know they can’t just stick to tech tricks: they weaponize your heart. But with awareness, verification, and shared safeguards, you can protect both your loved ones and your money. As long as you’re proactive, even the smartest scams fall flat. Don’t let their next call rewrite your family’s story. It may be time to update your family’s emergency playbook—together.

Has anyone in your family encountered a grandchild scam, or have a helpful tip to share? Please comment below—your experience could save someone else!

8 Healthcare Scams That Target Older Adults

Amanda Blankenship

Amanda Blankenship is a full-time stay-at-home mom. Her family recently welcomed their second child, a baby boy, into the world. She loves writing about various topics, including politics and personal finance. In her spare time, Amanda loves to play with her kids, make food from scratch, crochet, and read.