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Washington State has experienced a surge in text message scams impersonating Good To Go!, the state's toll billing system, which direct victims to fake websites and threaten legal action to collect payment information. A victim described losing access to her accounts after providing her driver's license and credit card number through a fraudulent link. WSDOT advises that legitimate Good To Go! communications never request payment via text or direct users to external websites; customers should only log into the official Good To Go! account to address toll issues.

Jacci Gruninger, Executive Director of the Los Alamos Retired and Senior Organization (LARSO), was selected to present the organization's S.A.F.E. (Scam Awareness for Elders) program at the National Council on Aging's Age+Action Conference in Washington, DC. The S.A.F.E. initiative educates seniors about common scams and provides them with tools to protect themselves and their families from fraud. Gruninger's presentation will showcase LARSO's collaborative community efforts and success stories in helping vulnerable older adults recognize and avoid increasingly sophisticated scams.

The FTC reported $12.5 billion in consumer fraud losses in 2024, a 25% increase from 2023, with investment scams ($5.7 billion) and imposter scams ($2.95 billion) leading the categories. The percentage of fraud reporters who lost money jumped from 27% to 38%, indicating scammers are employing increasingly sophisticated tactics, particularly through bank transfers and cryptocurrency payments that are difficult to reverse. Job and employment scams saw explosive growth, tripling in reports and skyrocketing from $90 million to $501 million in losses between 2020 and 2024.

State officials are warning Americans about a surge of "smishing" scams—SMS text messages impersonating toll collection agencies—that attempt to trick recipients into revealing financial information like credit card or bank account details. A cybersecurity firm identified a threat actor who registered over 10,000 domains to conduct these scams across at least 10 U.S. states and Ontario, Canada, with messages falsely claiming unpaid tolls and threatening fines or suspended driving privileges. Authorities advise recipients not to click suspicious links or reply to these texts and to report them to the FBI's Internet Crime Complaint Center.

Residents in the Spokane, Washington region received fraudulent text and email messages claiming unpaid toll fees, a scam targeting people in an area with no tolls. One couple fell victim after the husband received a fake toll notice email following a red-light camera incident; he attempted payment with a credit card before the courthouse confirmed they do not send violation notices via email. Law enforcement and WSDOT warn the public not to respond to unsolicited toll payment messages and advise reporting such scams to local police or the FBI's internet complaint center.

Americans lost $12.5 billion to scams in 2024, according to FTC data, with the increase driven by a higher percentage of victims reporting losses rather than more fraud reports overall. Impostor scams were the most commonly reported type of fraud, followed by online shopping issues, job/business opportunities, investments, and internet services. Regional losses included $30.4 million in Washington D.C., $198.9 million in Maryland, and $293.7 million in Virginia in 2024.

A 77-year-old blind military veteran in Opelousas, Louisiana was financially exploited by his caregiver, Marvin Washington (63), who illegally collected the victim's $1,408-monthly VA benefits and accessed his financial account without authorization, resulting in the veteran being denied necessary rehabilitation care. Washington was charged with exploitation of the infirmed and access device fraud, while his wife Mary Washington was charged as an accessory after the fact; both suspects turned themselves in on March 10th. The article advises anyone suspecting veteran financial exploitation to report it to the VA Office of Inspector General at (800) 488-8244 and to contact local authorities and Adult Protective Services as

A woman in her 70s in Clark County, Washington lost over $500,000 in a gold coin scam after scammers impersonating law enforcement and federal agents convinced her that her social security number was compromised and her money needed to be safeguarded. The scheme operated over several months, ultimately tricking the victim into withdrawing funds and purchasing gold coins that were promised to be returned by an "undercover agent" but never were. Authorities are investigating whether this case is linked to a nearly identical scam in Portland, Oregon involving gold bars, as the pattern of official impersonation and asset protection claims appears consistent across both incidents.

An elderly woman in her 70s in Clark County, Washington was defrauded of over $500,000 in a sophisticated gold scam in which perpetrators impersonated Federal Office of Inspector General officials and convinced her that her social security number was compromised. The scammers pressured her to withdraw funds and purchase gold coins, which they claimed an "undercover agent" would safeguard and return, but the money was never returned. The Clark County Sheriff's Office is investigating this case alongside a similar incident in Portland, Oregon, and authorities believe the crimes may be linked.

Romance scams targeting seniors on dating apps have escalated significantly, prompting Senator Marsha Blackburn to introduce the Romance Scam Prevention Act, which would require dating platforms to notify users about fraudulent accounts they've interacted with. Seniors lost $1.3 billion nationally to romance scams in 2022, with Tennessee residents over 60 alone losing $43 million in 2023—an 18% increase year-over-year—as scammers exploit recently widowed or divorced individuals seeking meaningful connections.

A bipartisan group of U.S. Senators, including Susan Collins, Rick Scott, and Mark Kelly, designated March 6, 2025 as "National Slam the Scam Day" to raise awareness about financial scams targeting older Americans. One in four people report being scammed, with elder fraud losses exceeding $10 billion in 2023 alone, prompting the senators to emphasize public education, vigilance, and reporting suspicious activities as key prevention strategies.

A 78-year-old woman in Washington Township, New Jersey nearly lost $24,600 in a multi-layered scam involving fake iCloud alerts, spoofed police calls, and impersonation of a banker pressuring her to withdraw cash. An alert Uber driver recognized the suspicious situation and prevented the fraud by warning the woman and returning her to the bank to re-deposit the money. Washington Township Police partnered with the FBI to hold a senior scam awareness seminar in response to the incident.

**Summary:** The U.S. Postal Inspection Service issued a warning during National Consumer Protection Week (March 2-8, 2025) about imposter scams, where fraudsters pose as trusted contacts or legitimate organizations to steal personally identifiable information and drain financial accounts. The agency provided protective measures including: avoiding rushed financial decisions, verifying bank communications directly, confirming grandchild emergencies through known contacts, recognizing romance scams, ignoring fraudulent USPS texts, registering with the Do Not Call Registry, and reporting suspected fraud to the Inspection Service.

Senator Jon Ossoff pressed the Trump Administration's FTC to strengthen protections for Georgia's 1.2 million seniors, citing alarming increases in financial scams affecting the state's senior population. According to FBI data, losses from scams targeting Georgia seniors surged from $25 million in 2020 to $92 million in 2023, placing Georgia among the top five states for senior financial fraud. The senator emphasized the substantial financial and emotional toll on seniors and their caregivers, demanding stronger FTC action to restore confidence in the financial system.

Senator Jon Ossoff pressed the Trump Administration's FTC to strengthen protections for Georgia's 1.2 million seniors from financial scams, citing alarming increases in fraud losses from $25 million in 2020 to $92 million in 2023. Georgia ranked among the top five states most affected by senior financial fraud in 2023, creating substantial financial and emotional strain on seniors and their caregivers.

Social Security scams are increasing in Washington State, with fraudsters impersonating the SSA through phone calls, emails, and text messages to threaten arrest, demand immediate payment, or steal personal information like Social Security numbers and bank details. The SSA never threatens, demands payment, or requests sensitive information via phone or email, so residents should hang up on suspicious calls and verify any claims directly through ssa.gov or the official customer service number. Victims should report incidents to the SSA's Office of the Inspector General and the FTC, monitor their accounts and credit reports, and use the secure "My Social Security account" portal to safely access their information.

**Article:** 10 States Where Retiree Fraud Is on the Rise According to analysis of government elder fraud complaint data, ten states experienced significant increases in elder fraud cases between 2022 and 2023, with Arizona leading at a 36% increase (212 to 289 cases per 100,000 seniors). Other notably affected states include Utah (23% increase), Rhode Island and North Carolina (22% and 20% increases respectively), and Texas, Washington, Oregon, Mississippi, Kansas, and Oklahoma (ranging from 18-20% increases). The data underscores the need for retirees in these high-risk states to heighten financial vigil

A 2025 analysis of government elder fraud complaint data identified 10 states experiencing significant increases in fraud cases targeting retirees between 2022 and 2023. Arizona led with a 36% increase (212 to 289 cases per 100,000 seniors), followed by Utah (23% increase) and Rhode Island (22% increase), with Texas, North Carolina, Washington, Oregon, Kansas, Mississippi, and Oklahoma also showing substantial growth ranging from 18-20%. The data underscores the need for vigilance among retirees in these high-risk states.

Ten U.S. states experienced significant increases in elder fraud cases between 2022 and 2023, with Arizona leading at a 36% increase (212 to 289 cases per 100,000 seniors), followed by Utah (23% increase) and Rhode Island (22% increase). Other states with notable rises include Texas, Washington, Oregon, North Carolina, Kansas, Mississippi, and Oklahoma, all ranging from 18-20% increases in fraud complaints per capita. The analysis highlights that popular retirement destinations are experiencing elevated fraud risk, prompting seniors in these states to increase financial vigilance.

The Department of Government Efficiency (DOGE) is seeking access to Social Security Administration data to identify and combat fraud, with White House officials claiming potential savings of over $1 trillion over a decade through crackdowns on entitlement system fraud. Elon Musk has posted claims of massive fraud in Social Security, citing data showing more eligible social security numbers than U.S. citizens, though a 2023 SSA audit found that nearly 19 million records for people over 100 with active numbers receive almost no benefits. The push for data access has drawn criticism from Democratic lawmakers concerned about potential data breaches, and reportedly led to the departure of SSA acting commissioner Michelle

A Washington State House hearing examined a bill to protect vulnerable adults after an Olympia senior citizen lost $300,000 in a coercion scam where fraudsters convinced her to liquidate investments and wire funds to purchase gold coins. The proposed House Bill 1900 would require banks to flag suspected fraudulent activity on vulnerable adults' accounts and immediately notify state authorities, addressing a gap in federal law that leaves victims of coerced wire transfers without reimbursement protection. The bill's sponsor cited the victim's case as motivation to prevent others from losing their life savings to financial exploitation.

A 75-year-old Washington woman was targeted by a skincare spa scam in which the business owner, 27-year-old Hai Baranetz, built a relationship with her during treatments and then pressured her to withdraw $1 million (later reduced to $50,000) from her bank for a supposed "body sculpture" contest. Alert bank tellers recognized the manipulation and refused her withdrawal requests, with one calling police, leading to Baranetz's arrest; authorities also received multiple complaints of tens of thousands of dollars in overcharges and fraudulent practices at his BH28 Skincare Consultants business.

A 75-year-old Washington woman was targeted by a skincare scam operator who initially charged her $5,000 for spa treatments, then manipulated her through flattery and false promises of a spokesperson contest to attempt withdrawing $1 million (later reduced to $50,000) from her bank. Alert bank tellers recognized the scam and refused the withdrawals, leading to the arrest of 27-year-old spa owner Hai Baranetz, who faced investigations into multiple complaints of overcharges and fraud targeting vulnerable seniors.

A 75-year-old Vancouver, Washington woman was recruited at a mall kiosk to join a spa program at BH28 Skincare Consultants, where the 27-year-old owner charged her $5,000 and then attempted to manipulate her into withdrawing $1 million (later reduced to $50,000) from her bank for additional treatments. Alert bank tellers recognized the scam and refused the withdrawal, with one teller calling police; the owner was arrested and the business subsequently closed following multiple complaints of overcharges and financial exploitation of vulnerable seniors.

A 75-year-old Washington woman was nearly defrauded of $50,000 by a skincare spa operator who lured her in with complimentary eye cream samples and red light treatments, building rapport before pressuring her to withdraw cash for a fake "contestant" program. After the operator drove her to the bank and demanded she withdraw $1 million (later reduced to $50,000), alert bank tellers recognized the scam, refused her request, and alerted authorities, leading to the 27-year-old suspect's arrest. Police reported receiving multiple complaints from vulnerable seniors who had been overcharged at the skincare store, which was later abandoned.

A 74-year-old Washington senior lost $624,000 in life savings to a gold bar scam orchestrated by 42-year-old Zhichao Huang, who was extradited from California to face charges. The scam followed a common pattern: a fake pop-up mimicking Charles Schwab prompted the victim to call a number, where an imposter claiming to be a federal agent convinced her to liquidate stocks and retirement accounts into gold bars, then collect them in a parking lot under false pretenses. Between May and December 2023, the FBI reported over $55 million in losses from similar gold bar scams targeting seniors nationwide, with investigators susp

Washington's Attorney General's Office warned residents to watch for charity scams exploiting donations for California wildfire relief efforts. The advisory urged donors to research charities before giving, verify tax-exempt status, avoid high-pressure tactics, and report suspicious solicitations to protect themselves from fraudulent organizations using deceptive names and websites.

A 74-year-old senior in Lynwood, Washington lost $624,711 in life savings to a gold bar scam after responding to a fake Charles Schwab pop-up and being manipulated by scammers posing as federal agents who convinced her to liquidate investments and convert them to gold bars, which she handed over in a parking lot. The suspect, 42-year-old Zhichao Huang, was extradited from Los Angeles to face charges, and investigators suspect the scheme may be part of a larger fraud ring, as the FBI reported over $55 million in similar gold bar scam losses between May and December 2023. To protect themselves, seniors

A senior named David was defrauded of $435,000 by brothers Patrick and Matthew McDonagh, who posed as home repair contractors, pressured him into authorizing bogus repairs, and failed to complete the work over several weeks until his daughter intervened. The McDonaghs pleaded guilty to federal wire fraud conspiracy charges and received 18-month prison sentences; while $200,000 was recovered through a reversed wire transfer, most of the money was lost, and the brothers are expected to be deported to Ireland after serving their time. The case highlights predatory home repair scams targeting seniors, with Washington state reporting over $88 million in elder financial fraud losses in

Lynnwood Police arrested a 41-year-old man in California in December for allegedly stealing over $600,000 from retired victims through an impersonation scam involving fake calls from a 1-800 number posing as a U.S. Treasury Agent demanding payment. The suspect was extradited to Washington and charged with first-degree theft and first-degree criminal impersonation. Police emphasized that legitimate federal agencies never call demanding money and urged the public to hang up on such calls and report them immediately.

A 74-year-old Washington woman lost $624,711 in life savings to a scammer who impersonated a federal agent after a fraudulent pop-up alert on her computer convinced her account had been hacked. The victim liquidated her stocks and IRA contributions, initially intended to be wired via Bitcoin, but when that failed, she purchased gold bars and handed them to 42-year-old Zhichao Huang in a Lynnwood parking lot. Huang was extradited from Los Angeles and police believe this scam is part of a larger operation targeting seniors using similar tactics.

**Summary:** Washington D.C. Attorney General Brian L. Schwalb issued a consumer alert warning residents about charity scams targeting donations for California wildfire relief efforts. The alert provides guidance on verifying charities through independent sources (IRS, BBB, Charity Navigator, etc.), confirming proper licensing, and identifying red flags such as requests for immediate payment via non-refundable methods, demands for personal information, or pressure tactics. Donors are advised to research organizations before giving, request written documentation, and donate only to trusted charities with transparent information about how funds will be used.

Lincare Inc., an oxygen equipment rental provider, paid Washington state $1.15 million to settle Medicaid fraud charges after overbilling the state's Medicaid program more than 15,000 times between January 2017 and March 2023. The company illegally charged rental fees beyond the three-year legal limit allowed under Washington law, in some cases billing for up to six years, affecting 565 patients and causing over $500,000 in fraudulent charges. As part of the settlement, Lincare must implement billing reforms and comply with Washington's oxygen leasing laws.

A smishing scam targeting drivers across the DMV region (Washington D.C., Maryland, and Virginia) uses text messages impersonating toll agencies to trick recipients into sharing personal information through fraudulent links. The FBI recommends recipients report the scam to IC3.gov, verify accounts through official toll service websites, contact legitimate customer service, and secure their financial accounts if they clicked any links or shared information.

Lincare Inc., an oxygen equipment provider, overbilled Washington state's Medicaid program more than 15,000 times between January 2017 and March 2023 by charging rental fees beyond the legally allowed three-year period, in some cases billing for up to six years. The fraudulent billing affected 565 Washington patients and resulted in over $500,000 in overbilling, for which Lincare paid the state $1.15 million in restitution. The company has agreed to implement billing reforms and retain independent experts to ensure compliance with Washington's oxygen leasing laws.

The Social Security Administration is warning the public about ongoing scams involving fraudulent calls requesting personal details and banking information. The SSA clarifies that it will never request personal information or money in exchange for benefits, and advises recipients to hang up on suspicious calls and report them to the appropriate authorities.

An 80-year-old Washington DC retiree was defrauded through a government impersonation scam in which scammers posing as FBI and police officials convinced her to withdraw $595,000 from her 401(k) to assist in a fake drug cartel investigation. In addition to losing her life savings, Boivin now faces a $180,000 tax liability ($137,000 federal and $42,000 state) since the 2017 Tax Cuts and Jobs Act eliminated protections that previously allowed fraud victims to claim theft deductions. Two bipartisan bills in Congress that would restore these protections for fraud victims remain stalled in the intro

An 80-year-old retired therapist in Washington, DC was defrauded by scammers posing as FBI agents and police officers who convinced her that her Social Security number was involved in criminal activity. Over several months in 2023, she withdrew $595,000 from her 401(k) to assist in a fake investigation, resulting in a $180,000+ tax liability she now owes to the IRS and Maryland. The scam traces to a call center in India, and while she may have limited recourse for the stolen funds, potential Congressional legislation could restore tax deductions for fraud victims that were eliminated in 2017.

This article is not about elder fraud, scams, or elder abuse. It is a public safety statement from the Washington State Patrol Chief responding to violent attacks in New Orleans and Las Vegas, urging the public to remain situationally aware and report suspicious activity to law enforcement. The article does not contain information relevant to the Elderus elder fraud research database.

The Washington County Sheriff's Office warned the public about scammers impersonating deputies, specifically claiming to be "Deputy Tony Androns" and requesting return calls to 724-409-8449 regarding a "confidential matter." This was the second such impersonation scam targeting the area within a month, and officials emphasized that law enforcement never calls to collect money. Residents who receive these calls are urged to contact their local police department.

Violent crime against seniors in the United States increased 331% over the past decade, prompting a shift in retirement planning toward safety considerations. Seniorly's analysis of FBI data and federal statistics identified New Jersey as the safest state for older adults to retire, followed by New York and Mississippi, while Colorado and Western states (Nevada, Washington, Oregon, New Mexico) ranked as the most dangerous due to high rates of elder fraud, property crime, and violent crime. The safest states were characterized by strong police presence, lower elder fraud rates, and better healthcare access, with East Coast states dominating the top 10.

Violent crime against seniors in the United States increased 331% over the past decade, prompting a comprehensive safety analysis of all 50 states across seven categories including scams, violent crime, property crime, falls, and healthcare access. New Jersey ranked as the safest state for retirement with low elder fraud and violent crime rates, while East Coast states dominated the top 10; conversely, Western states like Colorado, Nevada, Washington, and Oregon ranked as the least safe due to high property crime, elder fraud, and limited police presence. The research reveals a significant shift in retirement planning priorities, with older adults now prioritizing security alongside traditional factors.

Washington Attorney General Bob Ferguson announced that Metropolitan Commercial Bank will pay $10 million to the state as part of a fraud recovery initiative that has collected over $52 million from financial institutions that accepted stolen COVID-19 pandemic unemployment funds. Criminals stole more than $15 million from Washington's unemployment fund in 2020 using fake identities and MovoCash, a fintech company sponsored by Metropolitan, which failed to implement adequate anti-fraud and money-laundering safeguards. This marks the second phase of Ferguson's investigation—the first to pursue fintech companies through state consumer protection laws—following an initial phase that recovered $42 million from 26 financial institutions through asset forfeiture.

**Summary:** The IRS issued an alert warning seniors about increasingly sophisticated tax scams designed to steal personal information and financial assets through manipulative tactics. The agency advises older Americans to avoid sharing sensitive data with unsolicited callers, verify suspicious communications independently, use strong passwords and two-factor authentication, and report fraud to the National Elder Fraud Hotline (833-FRAUD-11) or directly to the IRS.

The U.S. Postal Inspection Service warned of a "smishing" scam in which fraudsters send text messages impersonating USPS, claiming packages cannot be delivered and directing recipients to click malicious links (such as https://usps.com-packagesue.net) to confirm address information. The scam aims to steal financial account information, compromise credit reports, and obtain personal data for identity theft or resale. The FCC recommends never clicking suspicious links, deleting fraudulent texts, keeping devices updated with security software, enabling multi-factor authentication, and contacting USPS directly through their official website to verify package status.

FinCEN issued an alert warning the public about fraudsters impersonating FinCEN officials or misusing the agency's name, insignia, and authority to perpetrate financial scams, including schemes exploiting beneficial ownership reporting and the Money Services Business Registration tool. FinCEN emphasized that legitimate officials will never threaten, demand immediate payment, or contact people via unsolicited email, call, or text, and urged the public to report suspected impersonation to the Treasury Inspector General, FTC, and FBI. Victims aged 60 and older can report fraud to the Department of Justice's National Elder Fraud Hotline at 833-FRAUD-11.

Patrick and Matthew McDonagh, two brothers from Co Fermanagh, were sentenced to 18 months in prison for conspiring to commit wire fraud against elderly homeowners across the United States. The brothers defrauded victims nationwide by falsely claiming homes needed urgent repairs (roof holes, foundation cracks, driveway work), extracting over $1 million total—including $435,000 from a single Shoreline homeowner through aggressive, daily demands for checks and wire transfers. They have agreed to pay restitution exceeding $1 million to victims in Washington, Oregon, Illinois, and other states.

Irish brothers Patrick and Matthew McDonagh were sentenced to 18 months in prison for defrauding elderly homeowners across the country of over $400,000 through a roofing and foundation repair scam. The pair traveled nationally approaching elderly homeowners, falsely claiming urgent repairs were needed, then pressured victims into writing multiple checks for unnecessary or fake work; in one Shoreline case, they stole $435,000 from a single homeowner before the scheme was uncovered. The defendants pleaded guilty and agreed to pay over $1 million in restitution to victims in Washington, Oregon, and Illinois.

Two Irish brothers, Patrick and Matthew McDonagh, were sentenced to 18 months in prison for conspiracy to commit wire fraud targeting elderly homeowners across the United States. The scheme involved falsely claiming homes needed urgent repairs (roof holes, foundation damage) and pressuring victims to write checks; one Shoreline, Washington homeowner lost $435,000, while victims in Oregon, Illinois, and Bellevue lost an additional $798,000 combined. The defendants have agreed to pay over $1 million in restitution to their victims.

A 73-year-old Marysville, Washington woman lost at least $20,000 to a romance scam involving an imposter posing as MSNBC anchor Ari Melber on a fake Facebook profile. Over four months, the scammer convinced Patricia that they were in love and would marry, sent her a counterfeit ring, and manipulated her into sending money by claiming his dog was dying and he lacked access to funds; the situation escalated when she boarded a plane to New York to meet him, prompting her family to intercept her during a layover. The case highlights a broader problem: the FBI reported over 101,000 people aged