Retirement Social Security

Fraud Warning: Scammers Target Social Security Recipients With Phony Emails

Scammers are hoping you'll part with your hard-earned money.

By Athena Lent , Edited by Laura Hohenstein

Updated Oct. 13, 2025

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Scammers want money, and they don't care whose money they take. That's why sometimes it can feel a bit painful when they target a more vulnerable group, such as those who live on a limited income.

News station WGAL has reported that scammers have launched a new ploy. This time, it involves persuading seniors to give up their Social Security numbers by using intimidating tactics, like threatening to withhold benefits. Here's what to look out for to avoid damaging money mistakes.

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Fake email, perceived threat

First, scammers will send an email to your inbox. At first glance, it appears to be an official email from the Social Security Administration. Not only does it display the administration's official logo, but it also seems to be from an official representative. Upon further review, you will learn that your Social Security number is under investigation. They request that you call to settle the matter right away.

On the phone, the scammer says they regret to inform you that your Social Security number has been used for illegal activity. They claim this has prompted the Social Security Administration to take action and suspend your Social Security number, as well as your benefits. After panic has set in, the scammer presses you to confirm your Social Security number and threatens you with fines to avoid criminal charges.

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Other fake emails have been reported

If scammers can't get you to call, they still have hope. In other reported scams, emails sent by fraudsters contain fake links or hacking software within the email itself.

For example, a link that says "claim your benefits" may actually link to a fraudulent website waiting to gain access to your personal information.

Or, a link that says "download your statement" actually contains a remote access tool that gives scammers full access to your computer as if they were physically present. They can then access and transfer files or even install malware, all without you potentially realizing it.

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Social Security scams have red flags

Fear can be a strong motivator for you to take action, and that's what scammers hope for when they send emails like the ones described above. Not only can fear cause you to take action, but it can also cause you to overlook red flags that you may have otherwise noticed.

Some of the red flags may include, but aren't limited to:

Type of communication request. The Social Security Administration will never initiate contact by email; they will reach out to you via regular mail. Phone calls are rare but do occur occasionally, typically after an application or information has been updated, or when a call is requested.
Non-gov senders. Emails related to the government will typically have a .gov domain in their email address. The government will never correspond with a regular email provider, such as Gmail or Outlook.
Demanding immediate payment. No one will ask you to provide payment via wire transfer, gift cards, pre-paid debit cards, or cryptocurrency.
Threats. The Social Security Administration will not threaten you with legal action or consequences such as arrest and suspension of your Social Security Number.
Request for personal details. Requesting personal details, such as your full Social Security number and bank account information are huge red flags for a potential scam.

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What to do if it happens to you

If you believe you were the victim of a Social Security or retirement savings scam, it's important to act fast to help prevent, or at least minimize any damage that can occur. Here are some steps that could help:

Disconnect from the call immediately. Once you realize you're in a scam, block the number from the fraudster.
Scan your device. Complete a virus scan on your computer to make sure malware didn't download itself. If a virus is found, take it to a professional or a loved one who can help before using it again.
Freeze your credit. Reach out to all three credit bureaus and request a credit freeze. A credit freeze prevents anyone or companies from accessing your credit report. Credit freezes can keep scammers from opening up new accounts in your name with your Social Security number. You can unfreeze your credit at any time.
Monitor your accounts for transactions. Start keeping track of your daily transactions and make a point to review the charges being deducted from your checking account every day. The faster you can catch something like theft, the faster you can protect your finances. If you do find fraudulent charges, notify your bank immediately and ask what their policies and procedures are. Sometimes, you can get your money back in instances such as fraud.
Report the fraud. Always report instances of fraud to the proper authorities. This can help others from being taken advantage of. Scams should be reported to the Social Security Administration, the Federal Trade Commission, and IdentityTheft.gov

If you are a victim of a scammer, help is available. It's not your fault, and remember, you are not alone.

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Bottom line

New scams targeting your personal information pop up all the time. It's important to stay diligent about anything that seems off, especially if the message feels threatening. Avoid clicking links or calling numbers in suspicious emails. If you have questions, find the official number for Social Security customer service online.

By staying vigilant, you can thwart potential scammers, helping to protect your identity and lower your financial stress.

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