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This video essay discusses political corruption allegations in India, focusing on how the BJP appears to avoid corruption charges while opposition parties face various scams and legal actions. The video then explains the 2G spectrum scam of 2008, where the Indian government allocated mobile spectrum to companies at artificially low prices through administrative allocation rather than auction, resulting in an estimated loss of 1.76 lakh crore to the national treasury—a controversy that contributed to the fall of the UPA government and led the Supreme Court to cancel 112 spectrum licenses in 2012. **Note:** This is a political commentary/educational piece rather than a scam affecting individual elders, so it falls outside the typical scope of

Tennessee has reimbursed over $933,000 to SNAP benefit recipients whose EBT cards were fraudulently used through skimming, cloning, and phishing scams that drained thousands of accounts. Nearly 8,000 people submitted replacement requests since the state began accepting them in fall 2023, with approximately 78% of reviewed claims approved. The USDA reported over 162,000 fraudulent SNAP transactions nationally in fiscal year 2023 totaling $30 million, prompting calls for federal solutions including microchip technology and enhanced security measures on EBT cards.

**Social Security Scams Rise with New Account Access Option** As the Social Security Administration launches a new way for people to access their accounts, scammers are exploiting the change using common tactics like phishing emails and threatening phone calls claiming Social Security numbers have been compromised or suspended. The SSA warns that legitimate access to Social Security is always free; any solicitation for payment, threats of arrest, account freezing, or demands for personal information are scam indicators and the agency will never contact citizens in this manner.

During Medicare open enrollment season, scammers impersonate Medicare representatives and insurance agents to trick people into revealing personal information such as Social Security numbers, banking details, and Medicare ID numbers through unsolicited calls, texts, and phishing emails. The BBB has received frequent reports of these fraudulent schemes, which target millions of people seeking insurance plans and can result in identity theft or sale of personal data on the black market. Consumers should verify contacts by hanging up and calling official numbers directly, be wary of anyone offering limited-time enrollment offers, and avoid sharing personal information with unsolicited callers.

**Summary:** Scammers target veterans by impersonating government representatives and fraudulently offering loan forgiveness, mortgage aid, or grants in exchange for upfront processing fees. Veterans and their spouses experience higher median losses to scams than average consumers, particularly through employment scams that exploit frequent military relocations. The BBB advises veterans to never pay upfront for loans or grants, never share personal information with unsolicited callers, and remember that the government communicates via mail only—never by phone, email, or social media.

During open enrollment season, scammers are targeting people with unsolicited robocalls and text messages offering free incentives like groceries or housing to enroll in health insurance, then requesting personal and financial information to "confirm eligibility." KC Care warns consumers to avoid these scams by only initiating enrollment themselves and working with licensed, trained insurance navigators rather than responding to unsolicited contacts, with free navigator services available through official channels like GetCovered.org (Kansas) and ShowMeCoverage.org (Missouri).

EBT (Electronic Benefits Transfer) and SNAP benefits theft scams have surged across Alabama, with the Alabama Department of Human Resources receiving thousands of reimbursement requests in November alone. A federal authorization that allowed replacement of stolen SNAP benefits expired on December 21, 2024, though the state indicated it would continue processing reimbursement affidavits for fraud incidents occurring on or before December 20th, leaving victims frustrated as new cases may no longer qualify for replacement funds.

A Twin Cities woman fell victim to a sophisticated employment scam involving fake virtual interviews for a high-level executive position and forged company benefits documentation designed to collect her personal information and cash. The scam was remarkably elaborate, mimicking authentic company processes and going through multiple interview stages before the victim discovered the fraud and contacted the actual company being impersonated, which confirmed they were unaware of the scheme.

An 80-year-old Japanese woman lost approximately $6,700 to a romance scam in which a fraudster posing as an astronaut stranded in space convinced her through social media chats that he needed funds for oxygen. Police identified this as part of a growing trend of romance scams targeting Japan's elderly and lonely population, with over 3,000 such scams reported in the first 11 months of 2024—more than double the 2023 total. Authorities have issued an advisory urging the public to report suspicious social media contacts demanding payment.

The National Cyber Security Alliance warns that scammers may impersonate government agencies like Social Security, Medicare, and SNAP through unsolicited texts, emails, or phone calls to solicit personal and financial information from victims. The government does not initiate contact to request such information, and people should hang up on suspicious calls and instead contact agencies directly or verify information through official channels.

The FBI and FTC reported that romance scams cost Americans $740 million to $1.3 billion in 2022, with 19,000 to 70,000 reported cases involving victims who were manipulated into sending money to online romantic partners they never met in person. Scammers use fake personas tailored to victims' preferences and employ various pretexts—including fake emergencies, investment opportunities, and shipping fees—to extract money, relying on anonymity and victims' emotional vulnerability to evade law enforcement. The FBI advises online daters to verify profiles, watch for isolation tactics and money requests, and cease communication immediately with suspicious contacts.

Joshua DeWitt, a 38-year-old Fayette County auto dealer, was sentenced to ten months in prison for conspiring with a co-conspirator to fraudulently obtain COVID-19 relief funds by filing false applications for Pandemic Unemployment Assistance and Paycheck Protection Program loans, sometimes on behalf of customers whom he told could use the funds to purchase vehicles from his dealership. DeWitt and his partner used the fraudulently obtained pandemic benefits totaling $60,022.50 to pay for vehicles, services, and personal expenses at their used car dealership, RC Auto.

According to Experian's 2024 fraud report, AI-generated deepfakes, identity theft, and fake charity schemes are among the year's biggest scams targeting consumers and businesses, with nearly 70% of businesses reporting increased fraud losses and over half of consumers feeling more vulnerable to fraud than the previous year. The report identifies five major fraud threats: AI scams and deepfakes, weaker in-person bank identity verification, retail return fraud, synthetic identity fraud, and fake charitable campaigns—with deepfakes particularly empowering fraudsters to conduct more accessible and convincing attacks.

Scammers have targeted Medicare's catheter benefit program in a massive fraud scheme, with beneficiary accounts billed for catheters rising ninefold from 50,000 to 450,000 in a single year, resulting in billions of dollars in fraudulent claims. Seniors reported being billed for catheters they never received or needed, yet despite complaints to Medicare from private entities, physicians, and state insurance offices dating back to July, the federal government failed to investigate or stop the fraud in a timely manner. The incident highlights systemic weaknesses in Medicare's fraud detection capabilities, particularly the program's reliance on private organizations to identify suspicious spending patterns rather than proactive government oversight.

The U.S. Attorney's Office partnered with Winchester and Waltham Police Departments to host financial fraud awareness seminars for older adults, featuring presentations from federal prosecutors, the IRS, and U.S. Postal Service on common scams and protective measures. According to FBI data, victims over 60 experienced an 84% increase in losses from 2021 to 2022, totaling over $3 billion, with nearly 5,500 victims losing more than $100,000 each to schemes including tech support, romance, and sweepstakes scams.

Romance scams cost Americans $1.3 billion in 2022, with scammers creating fake online identities through social media to exploit victims emotionally and financially. Perpetrators gradually build trust with targets before requesting money under various pretexts (medical emergencies, travel costs, promised packages), and they commonly avoid video calls or in-person meetings. The scam affects people of all ages and backgrounds globally, with women reported as particularly vulnerable, though many cases remain underreported.

Scammers are exploiting the confusion surrounding multiple medical bills from different providers following hospital visits, using counterfeit letterheads and logos to target victims with fraudulent invoices. Experts recommend verifying bills match insurance claims and explanation of benefits, obtaining prior authorizations and cost estimates upfront, and never paying bills without verification, as scammers often target small amounts to avoid detection and frequently operate offshore where prosecution is costly.

Elder fraud schemes—including grandparent scams, romance scams, and government impersonation scams—have become increasingly sophisticated through AI technology like deepfake videos and robocalls, making them difficult to distinguish from legitimate communications. In 2022 alone, approximately 88,000 people aged 60 and older lost $3.1 billion to fraud, with victims over 70 losing an average of nearly $42,000; scammers typically exploit emotions rather than intelligence, and experts advise victims and their families to watch for financial requests as the key indicator of fraud. The AARP Fraud Watch Network received nearly 100,000 calls last year from victims of all

**Nigerian Romance/Sweepstakes Scam Targeting Elderly Americans** Dotun Alonge, a 47-year-old Nigerian national living in Providence, was sentenced to 18 months in federal prison as the fifth defendant convicted in a sophisticated fraud operation that defrauded elderly Americans across multiple states of over $1.7 million. The scam involved fabricated romantic relationships on social media and dating sites, fake sweepstakes winnings requiring upfront payments, and fraudulent rental property schemes to extract money from victims. Four other co-conspirators received sentences ranging from time served to 42 months, with joint restitution ordered at approximately

This opinion piece from Which? highlights that fraud is the most common crime in England and Wales (40% of all crimes), with scammers using increasingly sophisticated tactics including fake celebrity endorsements, "recovery" scams targeting previous victims, advert cloaking, and recurring payment traps ("scamscriptions") that victims may not notice for months or years. The author advocates for a coordinated national response including appointing a dedicated fraud minister, strengthening the Online Safety Act, and requiring banks to reimburse victims of authorized push payment fraud, while consumers can protect themselves by staying informed about emerging scam tactics.

Michigan Attorney General Dana Nessel announced a new Welfare Fraud Pretrial Diversion Program in March 2024, created jointly with the Michigan Department of Health and Human Services to allow first-time welfare fraud offenders to avoid criminal prosecution by paying full restitution instead. The program is available only to those with no prior welfare fraud convictions who defrauded the system for less than $10,000, allowing participants to repay stolen benefits on a negotiated payment plan while avoiding criminal convictions that could impact employment and housing prospects. The program received 31 cases within its first week of launch.

National "Slam the Scam" Day highlights government imposter scams, the most prevalent consumer fraud type in 2023, which caused $2.7 billion in losses. Scammers impersonate Social Security officials via phone, text, and email to pressure victims into sending cash or gift cards by threatening arrest or promising benefit increases. Real government officials never threaten arrest for payment or request money transfers, and suspicious activity should be reported to the Social Security Administration or Federal Trade Commission.

The Social Security Administration and its Office of Inspector General held their fifth annual "Slam the Scam" Day on March 7 to raise awareness about Social Security imposter scams, which remain among the most commonly reported government fraud schemes. Scammers use sophisticated tactics including spoofed caller IDs, fake documents, and threats of arrest to trick victims into sending cash, gift cards, or wire transfers or disclosing personal information. The agencies emphasized that Social Security will never demand immediate payment, threaten arrest, or request credit card numbers, and urged the public to report scam attempts to oig.ssa.gov.

The Social Security Administration warned of a 61.7 percent increase in reported scams between 2022 and 2023, with fraudsters using sophisticated tactics like impersonation, threats of benefit suspension, and demands for immediate payment to steal personal information and benefits from recipients. Scammers employ the "five P's" strategy (Pretend, Prize or Problem, Pressure, Payment) and falsely claim to represent the SSA through fake letterhead, badge numbers, and social media imposter pages. Seniors aged 70-84 lost the highest average amounts ($14,459 per victim in Q3 2023), though those under 50 were statistically more likely to

Michigan state health and insurance officials warned seniors about Medicare scams coinciding with the December 7 Open Enrollment deadline, where fraudsters impersonate Medicare representatives to steal personal information like Medicare ID numbers and Social Security numbers to make unauthorized plan changes. The agencies advised seniors never to share personal information with unsolicited callers, visitors, or online contacts, and to contact Medicare directly at 1-800-633-4227 or Medicare.gov for legitimate coverage questions, noting that Medicare never calls or visits homes requesting personal information.

This educational piece highlights warning signs of government imposter scams, particularly targeting Social Security beneficiaries and federal employees. The author shares a personal near-miss with a gift card scam impersonating a local NARFE president, then outlines four key red flags scammers use (impersonation, claiming problems/prizes, demanding immediate action, and requesting specific payment methods) and lists tactics Social Security will never employ, such as threatening arrest, demanding gift cards, or pressuring immediate payment. The article warns against a fraudulent phone number (888-353-9450) being used by scammers targeting federal employees and annuitants.

Scams targeting vulnerable populations, particularly the elderly, are rising statewide through phone calls, social media, and online channels. Common scams include Social Security imposter schemes (threatening suspended benefits or arrest), gift card fraud (posing as government agencies), fake rental listings, and warrant payment demands, with scammers using fear, fake documents, and fraudulent letterhead to coerce victims into providing personal information or money. Authorities recommend verifying caller identity by hanging up and calling agencies directly, never sending gift cards or money to unknown callers, and reporting scams to relevant agencies like the SSA's Office of the Inspector General.

Residents at Middlewoods of Newington attended a scam awareness presentation led by local police officers to learn fraud prevention strategies. The event, organized by Chris Pisani of Fore Senior Benefits, focused on scams currently targeting seniors and provided residents with protective measures and information.

A Flushing man, Fei Liang, 39, was charged with scamming more than $600,000 from seniors across the country by impersonating Social Security Administration officials and bank representatives, convincing victims to wire money to accounts he controlled for "safekeeping." Following the charges, Queens District Attorney Melinda Katz and elected officials held community presentations at senior centers to educate older adults about common scams including government impersonation, sweepstakes schemes, tech support fraud, and the grandparent scam, emphasizing the importance of never sharing personal information with strangers and contacting authorities if contacted by potential fraudsters.

The Social Security Administration and its Office of the Inspector General held the fifth annual "Slam the Scam" Day on March 7, 2024, to combat Social Security imposter scams that disproportionately target seniors and veterans. Scammers use spoofed caller IDs, fake documents, and threats of arrest to trick victims into sending cash, gift cards, or wire transfers by impersonating government officials, with veterans alone losing over $257 million to fraud in 2021. The SSA emphasized that legitimate contact never involves demands for immediate payment, threats, or requests for personal financial information, and urges the public to report suspicious activity to oig.ssa.gov

Employment scams targeting job seekers pose risks of identity theft and financial loss through unsolicited offers, fake interviews, social media impersonation, and requests for upfront payment. Red flags include vague job descriptions with grammatical errors, pressure to respond quickly, offers that seem too good to be true, and any request for money from applicants. Job seekers should verify opportunities through trusted platforms, research companies independently, trust their instincts, and contact Career Services or report suspicious activity to OIT if they encounter potential scams.

Elder fraud cases increased 84% in 2022 with losses in the tens of billions of dollars, with pension systems particularly vulnerable as they digitize and store sensitive personal and financial information online. Advanced digital identity verification measures, including real-time cross-referencing of personal information against multiple data sources and verification of beneficiary death status, are essential to prevent fraudsters from diverting benefits and to ensure pension funds reach legitimate recipients. Implementing proactive identity verification technology can achieve high auto-approval rates for legitimate transactions while significantly reducing fraud and false positives in pension systems.

**Social Security Scams and AI-Enabled Fraud** Americans aged 60 and older reported $3.1 billion in scam losses in 2022, representing an 84% increase from the previous year, with 88,262 fraud complaints filed that year at an average loss of $35,101 per victim. Fraudsters are increasingly using artificial intelligence to steal Social Security numbers and benefits by creating fake accounts, impersonating public figures through AI-generated videos, and manipulating personal records, with seniors particularly vulnerable due to accumulated savings and lower technological literacy. Experts advise verifying the legitimacy of Social Security communications and watching for AI-generation errors such

Seniors on Medicare are being targeted by "phantom billing" scams in which fraudulent health care providers and medical equipment companies submit unauthorized charges—such as urinary catheters—to Medicare accounts. Cases documented include Ann Midkiff of Indianapolis who was billed over $3,000 for catheters she never requested, and the scam has grown dramatically, with catheter charges jumping from affecting 40,000 patients in 2021 to over 450,000 by 2023. Experts recommend seniors regularly review their Medicare statements and immediately report suspicious charges by calling 1-800-MEDICARE, as such fraud costs the Medicare system approximately $60 billion annually.

Two retired Georgia law enforcement veterans with combined 75+ years of experience—Joe Gavalis and Dan Flynn—volunteer with the North Georgia Elder Abuse Task Force Foundation to combat elder fraud through training, education, and prevention work. They have facilitated over 60 law enforcement trainings and reached approximately 8,000 older adults with fraud prevention presentations covering common scams like credit card fraud, grandparent scams, and romance schemes. Their work addresses a critical gap, as Americans reported 2.6 million fraud incidents in 2023 with $10 billion in losses, with elder victims often experiencing catastrophic financial impact.

Between January 2020 and December 2023, fraudulent investment scams stole over £2 billion from UK investors, according to research by the Pensions Management Institute based on data from the City of London's Police National Fraud Intelligence Bureau. The research highlights the significant financial impact of investment fraud on UK investors during this four-year period.

Between January 2020 and December 2023, investment scammers stole £2.6bn from nearly 100,000 people in the UK, averaging £13m per week and £26,773 per victim, according to research by the Pensions Management Institute. Boiler room fraud (fake stockbroker schemes) and Ponzi schemes were the most prevalent, accounting for £553m and £499m respectively, while 2023 was particularly severe with 26,740 people losing £527m to investment fraud.

Social Security scams targeting the 68 million American beneficiaries use five common tactics: impersonating SSA officials to steal personal information, falsely claiming benefits have been suspended, alleging overpayment and threatening legal action, promising automatic benefit increases that require activation, and offering fraudulent investment schemes to multiply benefits. The Social Security Administration advises recognizing scams by the four "P"s—scammers pretend to be official, present problems or prizes, pressure immediate action, and request specific payment methods—and remembers that SSA will never threaten arrest, demand personal information to activate benefits, or pressure immediate payment.

Between January 2020 and December 2023, investment fraud in the UK resulted in £2.6 billion stolen from 98,525 victims, with an average loss of £26,773 per person. Boiler Room fraud and Ponzi schemes were the most common types, accounting for £553 million and £499 million respectively, with 2023 marking the worst year at £527 million lost across 26,740 victims. The FCA advises people to be wary of unsolicited contact, pressure to act quickly, and promises of unusually high returns as key warning signs of investment scams.

Scammers have stolen tens of millions of dollars in SNAP benefits from EBT cardholders nationwide using card skimming devices placed on payment terminals and phishing scams. To protect themselves, users should inspect card readers for loose or mismatched faceplates, never share their PIN, and utilize the new ConnectEBT app feature that allows them to lock their cards when not in use. New York has approved nearly 12,000 stolen benefit claims and reimbursed over $6.1 million to victims through its benefit recovery program since August 2022.

Between January 2020 and December 2023, investment fraud cost UK victims more than £2.6 billion across 98,525 cases, with an average loss of £26,773 per victim. Boiler Room fraud and Ponzi schemes were the most prevalent scams, stealing £553 million and £499 million respectively, with 2023 recording the highest number of victims (26,740) losing £527 million that year alone. The FCA recommends vigilance against red flags including unsolicited contact, pressure to act quickly, and promises of unusually high returns.

AARP Pennsylvania is launching an educational campaign to combat Social Security fraud, which affected approximately 360,000 people through impersonation scams in 2021. The organization recommends protective measures including robocall-blocking applications, online account monitoring, and reporting suspicious activities to authorities, emphasizing that genuine unsolicited Social Security Administration contact is extremely rare. Victims of these scams face risks including identity theft, financial loss, and long-term challenges accessing credit and services.

Social Security number impersonation scams are among the most common government impostor fraud, with criminals stealing over $100 million annually by pretending to be government officials and requesting personal or banking information. Scammers employ sophisticated tactics such as fake documents, fraudulent letterhead, and threatening calls claiming account suspension or benefit loss to pressure victims into disclosing sensitive data. The Federal Trade Commission recommends never trusting caller ID, never verifying personal information to unsolicited callers, and remembering that the SSA will never demand upfront payment via wire transfer, cash, or gift cards.

The Senior Medicare Patrol warns that Medicare scams are increasing, with fraudsters exploiting beneficiaries' failure to review account statements by charging for unrequested items like urinary catheters, diabetes supplies, and COVID-19 test kits. To protect themselves, Medicare beneficiaries should carefully review their monthly Medicare Summary Notices (MSN) or Explanations of Benefits (EOB), treat their Medicare card like a credit card, and report suspected fraud to the Senior Medicare Patrol at 1-877-808-2468 or 855-613-7080. Medicare will never contact beneficiaries unsolicited by phone to issue new cards or other services.

Sanda G. Frimpong, a 33-year-old former Army service member, was sentenced to over three years in federal prison for running a romance scam in which he impersonated military officials, diplomats, and other personas to defraud victims of hundreds of thousands of dollars. One victim, a recently divorced woman, lost at least $100,000 to Frimpong's scheme using the alias "Tom Tanner." Romance scams cost Americans $1.3 billion in 2022 and disproportionately target older adults and vulnerable populations, sometimes depleting life savings, retirement funds, and inheritances.

Army service member Sanda G. Frimpong, 33, was sentenced to over three years in federal prison for operating a romance scam in which he impersonated military officials, diplomats, and other personas to defraud victims of hundreds of thousands of dollars, with at least one victim losing over $100,000 in cashier's checks. Frimpong was ordered to pay substantial restitution to his victims as part of a sentence that highlights the broader problem of romance scams, which cost Americans $1.3 billion in 2022 and often target vulnerable populations including elderly individuals and military veterans.

**Summary:** Sanda G. Frimpong, a 33-year-old Army service member stationed at Fort Bragg, was sentenced to over three years in federal prison for operating a romance scam in which he impersonated military officials, diplomats, and romantic interests to defraud victims. Frimpong used aliases and tricked at least one victim into sending $100,000 in cashier's checks following a recent divorce, and was ordered to pay hundreds of thousands in restitution. Romance scams cost American victims $1.3 billion in 2022, often targeting older adults and military veterans who lose retirement savings and life insurance to these schemes.

Sanda G. Frimpong, a 33-year-old former U.S. Army specialist from Fort Bragg, was sentenced to 40 months in federal prison for operating a romance scam and unemployment fraud scheme from 2019 to 2022 that defrauded thousands of vulnerable people, including elderly victims and military veterans. Frimpong and his conspirators impersonated romantic interests, diplomats, and military personnel to extract money from victims—including one person who lost $150,000—and laundered hundreds of thousands of dollars through bank accounts and contacts in Ghana, while also fraudulently obtaining over $100,000 in pandemic unemployment

The Association of Health Care Journalists reported that elder scams have become increasingly sophisticated through artificial intelligence, making them harder to distinguish from legitimate interactions. The AARP Fraud Watch Network received nearly 100,000 calls in 2023, and the National Council on Aging documented 88,000 fraud victims age 60+ in 2022 alone, losing $3.1 billion collectively. Common schemes include the grandparent scam (impersonation requesting wire transfers), romance scams (nearly 70,000 reported in 2022 with $1.3 billion in losses), government impersonation, tech support fraud, and voice recording scams, with

A study by the Money and Pensions Service found that 71% of people using its Pension Guidance helpline felt more confident spotting and managing financial scams, with 83% feeling greater control over their finances. Among 833 service users in 2023/24, approximately £13.6 million was lost to financial crimes and scams (averaging £16,297 per person), with identity theft, bank account scams, and investment fraud being the most common types.