Sheriff

Frauds & Scams

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Barbara Bennett

Meet Barbara, LCSO's Chief ScamBuster

Who are you going to call if you get a call from someone wanting your hard earned money? Why, ScamBusters, that’s who.

All joking aside, over my last 18 years with LCSO, scams and frauds have become part of our everyday lives. My passion for being a huge pain in the ankle to criminals and scammers works well in my role as the coordinator of our Crime Prevention Unit. I love sharing ways that our citizens can become more in charge of their safety by knowing what is suspicious and what to do with that knowledge.

As scammers have become more sophisticated in targeting their prey and using human behavior techniques to make you think they are credible, we have to become more street smart and beat them at their own game. We do that by recognizing their tactics and learning how to build a safety wall around our personal information and finances. Knowledge is power - and it is easier to prevent scammers from taking advantage of our inherent trust in people than to try recovering after they have taken our hard earned money.

These criminal scammers can only be stopped by being aware that they are out there, understanding how they work, and being smarter than they are. This webpage has been established to provide information on what the scams are, how to recognize a scammer and how to be smarter than the scammer. If they can’t get our money - they have to give up. Let’s stop them in their tracks. Let’s all be ScamBusters!

Barbara EJ Bennett, Chief Scambuster
970-498-5146
bennetbe@co.larimer.co.us
Coordinator - Crime Prevention Unit
Larimer County Sheriff’s Office

P.S. If your group would like a scam presentation, give us a call or email to set it up. We love spreading the word! Also, feel free to send out this link to friends and family!

Scambusters Newsletter See our most recent ScamBusters newsletters.
Victim Info Have you been a victim of a scam? Click here for next steps.

FAQs

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  1. Bank & Credit Card Scam

    Overview

    Scammers may contact you via email or text, claiming there's an issue with your bank account or credit card. They’ll provide a link or phone number to "resolve" the issue, but their goal is to steal your personal information.

    Summary

    You might receive an email or text message from someone claiming there's a problem with your bank account or credit card. The message may be from a company you do business with, or it could be from a scammer. They’ll typically offer a link to click or a phone number to call in order to "fix" the issue. Once you engage, they will attempt to collect your personal information. Always verify directly with your bank or credit card provider before responding to such messages.


    What are the 🚩 red flags 🚩?

    • It may or may not be a bank or credit card company you use
    • Banks and credit card companies will NOT send you a text link to click on or phone number to call
    • Poor grammar, spelling, or punctuation in texts or emails from businesses are always a red flag
    • Asking you to confirm your account number or other personal identifying information

    What should you do?

    Do NOT click on the text link or call the number. If these are companies you don't do business with, delete the email or block the phone number. If it is a company you do business with, look up the number to the bank/business separately and call them to check on your account.

    How do I protect myself from scams?

    NEVER click on a text link from a number you don't recognize. Your bank will not call you and ask you to confirm your account number over the phone. 

  2. ID Theft

    Overview

    Someone gains access to your personal identifying information (PII) and uses it for nefarious purposes.

    Summary

    Once a fraudster gets access to your personal information, they can use it to access your finances, open credit card accounts in your name, and other nefarious acts with your info. Once you suspect you might be a target of ID theft, take immediate action (under Resources below) to ensure the fraudster cannot continue to have access to your accounts. 

    What are the 🚩 red flags 🚩?

    • Unfamiliar withdrawals from your bank account
    • Accounts on your credit report you did not open
    • You suddenly stop receiving bills or other mail
    • Debt collectors or medical providers call about debts that aren't yours
    • The IRS notifies you that more than one tax return was filed in your name
    • Your employer tells you someone tried to file for unemployment with your personal information

    Next Steps

    • File a report and develop a recovery plan at https://www.identitytheft.gov/#/
    • Place a free, one-year fraud alert by contacting one of the three credit bureaus. That company must tell the other two:
      • Experian.com/help 888-EXPERIAN (888-397-3742)
      • TransUnion.com/credit-help 888-909-8872
      • Equifax.com/personal/credit-report-services 800-685-1111
    • File a police report to your local law enforcement (in unincorporated Larimer County, report to 970-416-1985).
    • Complete the online form on the FTC website or call 1-877-438-4338. Include as many details as possible.
    • Contact your bank and other businesses that fraud has occurred.
    • Close out any accounts opened fraudulently.
    • Change all your login and passwords.
  3. Robocall Scam

    Overview

    You get a phone call or voicemail saying there’s been suspicious activity on your credit card or bank account, or that there’s an urgent legal matter, like a missed court date or an arrest warrant. The message tells you to press a number or call back right away. In some cases, it’s a sales call offering to remove you from their list if you press a key. Don’t call back or press anything—just hang up or delete the message. It’s a scam.

    Summary

    These scam calls are designed to scare you into acting quickly. The message might claim your bank account or credit card has been used fraudulently, or that you owe money to the IRS or are facing legal trouble. The caller ID may look like a local number, or a random area code. When you answer, there may be silence at first, followed by a recorded message asking you to press a key to talk to someone, or to be removed from a call list. Sometimes they leave a voicemail asking you to call a number back. These are scams meant to trick you into sharing personal information, making a payment, or confirming your phone number is active.

    What are the 🚩 red flags 🚩?

    • A recorded message plays after a pause when you answer
    • The call comes from a strange or unexpected area code
    • The number looks local, but the message refers to a different location
    • The message asks you to press a number or call back right away
    • Scare tactics like “warrant for your arrest” or “fraud on your account”
    • Claims about Social Security holds, IRS money owed, or missed court dates

    Next Steps

    • Don’t answer calls from numbers you don’t recognize
    • If you do answer, do not press any buttons or speak—just hang up
    • Never call back the number from the message
    • Delete voicemails that sound suspicious or threatening
    • If you’re concerned about your bank or credit account, call the company directly using the number on your card or statement
    • Report scam calls to the FTC at reportfraud.ftc.gov
  4. Bitcoin Scam

    Overview

    USPS Office of Inspector General (or other official or law enforcement agency) calls to tell you your personal information is being used to launder money or transport drugs. They demand payment via Bitcoin to help you "fix the problem".

    Summary

    Scammers are impersonating law enforcement and federal agencies to scare people into sending money. They use high-pressure tactics and serious accusations—like saying your Social Security number is linked to criminal activity or that you've missed jury duty and there's a warrant out for your arrest.

    To avoid these fake charges or penalties, the scammer insists you pay immediately, often using Bitcoin (which is untraceable), gift cards (where you read them the code over the phone), or money transfer apps like Zelle or CashApp. Once the money is sent, it’s nearly impossible to get it back.

    These scams target people of all ages and rely heavily on fear and urgency to get victims to act without thinking.

     

    What are the 🚩 red flags 🚩?

    • Someone contacts you out of the blue, claiming to be from a government agency
    • They say you’re in serious legal trouble but can fix it by sending money
    • They demand payment in Bitcoin, gift cards, or cash apps—methods that are nearly impossible to trace or reverse
    • You're told not to talk to anyone about it or that you'll be arrested if you hang up

    Next Steps

    • Do Not Pay: Never send money, Bitcoin, or gift cards to anyone claiming to be from an official organization without verifying their identity first
    • Report the incident to your local law enforcement or file a fraud report with the Federal Trade Commission (FTC) at www.reportfraud.ftc.gov.

    • Examples: 

      • Your name and information has been used to launder money and transport drugs
      • Your social security number has been used for nefarious activities
      • Missed jury duty - warrant for your arrest
      • You owe the IRS
      • Your energy bill is overdue - we are turning it off in the next 30 minutes if you don’t pay with money or gift cards
      • Asking for a refund on a trip - but they tell you to pay via bitcoin a portion of the fees/charges

       

  5. Business Financial Scam

    Overview

    A convincing email appears to come from a high-level manager at your company, requesting a financial action such as setting up a new vendor or changing direct deposit information. The name matches your manager’s, but the email address is suspicious—possibly from a personal account. It may seem routine, but pause and verify in person—it’s likely a scam. 

    Summary

    This scam targets employees—often in the finance department—at small to medium-sized businesses. The attacker impersonates a high-level manager using a lookalike or compromised email account. The email may request the setup of a new vendor with provided banking details or ask to change the manager's direct deposit information. It plays on urgency and authority to push the recipient into acting quickly without verifying. 

    What are the 🚩 red flags 🚩?

    • The manager’s name is correct, but the email address is unusual or not from the official company domain
    • The message may come from a personal-looking email account
    • Urgent financial requests, such as wiring money or updating payroll information
    • Appeals to follow managerial direction quickly
    • No prior context for the request

    Next Steps

    • Verify the request in person or through a known company phone number—do not reply to the email
    • Install or update phishing detection tools on your company’s email system
    • Educate staff on this and similar scams, especially those in finance and HR
    • Establish internal protocols for confirming financial or payroll changes
    • Report the phishing attempt to your IT department or cybersecurity team
  6. Medical Office Extortion Scam

    Overview

    You get a call from someone claiming to be with the Sheriff’s Office or police. They say you—or someone at your medical practice—has a warrant for arrest. The caller ID might even show a real police number, but it’s fake (spoofed). They say if you don’t pay right away using gift cards or another odd method, you’ll be arrested or your reputation will be ruined. This is a scam. Hang up and don’t pay!

    Summary

    Scammers are calling medical practices and pretending to be law enforcement officers. They say one of your doctors has a warrant and you need to pay now to avoid being arrested or embarrassed in front of your patients. They may know your business address and use it to sound more convincing (this info is public). They’ll ask for strange payment methods like gift cards, Bitcoin, or wire transfers. This scam plays on fear—fear of arrest and damage to your reputation. It’s all fake, and real law enforcement would never ask for money like this over the phone.

    What are the 🚩 red flags 🚩?

    • Caller claims to be a police officer or deputy
    • The phone number looks like it’s from a real police department, but it’s fake
    • They demand money using gift cards, cryptocurrency, or wire transfers
    • They threaten arrest or say they’ll tell your patients about the charges
    • They may know your business address to sound more believable
    • They try to scare you into acting quickly

    Next Steps

    • Hang up right away—don’t talk to the scammer
    • Don’t send any money or give them gift card codes
    • Call your local police department directly if you’re worried
    • Tell your staff about this scam so they know what to watch out for
    • If you’re in Larimer County and didn’t lose money, report the scam to Barbara Bennett at 970-498-5146
    • Remember: Real police will never call and ask for money over the phone
  7. Census Scam

    Overview

    Scammers may contact you by phone, email, or text, claiming to need your personal information for the Census. This is a scam. The official Census sends printed letters with instructions on how to fill out the form online.

    Summary

    Scammers attempt to gather your personal information by pretending to be part of the Census, often through phone calls, emails, or text messages. This is not how the Census is conducted. The official Census process involves receiving a printed letter with details on how to complete the form online, followed by a second letter. Always be cautious and verify official communications.

    What are the 🚩 red flags 🚩?

    • The Census Bureau will never call you, text you or email you asking for personal identifying information
    • Playing on your emotions to "do your part" and be a good citizen

    What should you do?

    Hang up, block the phone number, or delete the email. You will receive your census information in the mail- it will never be sent via text message or email. When in doubt, visit the official government website for further details.

    How do I protect myself?

    Never provide personal identifying information to someone over the phone, a text message, or via email. Visit www.census.gov for official census information.

  8. Distraint Warrant Scam

    Overview

    You receive a letter in the mail that looks official and urgent. It claims you owe a large tax debt and must take immediate action or face serious consequences like wage garnishment or property seizure. The letter may use government-sounding names like “Benefits Suspension Unit” and include a fake logo. This is a scam meant to scare you into calling a number and paying money. 

    Summary

    This scam uses physical mail—sent through the U.S. Postal Service—to trick people into thinking they owe back taxes. The letter looks official, with urgent phrases like “IMMEDIATE ACTION REQUIRED” and includes threatening language about wage garnishment, property seizure, and liens. There’s no return address, and it usually includes a toll-free number to call. One known letter claimed the person owed over $94,000. Scammers hope you’ll panic and call the number, where they’ll try to get you to pay using gift cards, money cards, Bitcoin, or a wire transfer. This is not how real tax debt is collected.

    What are the 🚩 red flags 🚩?

    • The letter comes from a fake group like the “Benefits Suspension Unit”
    • No return address on the envelope or letter
    • The envelope may say “presorted first class” to look official
    • Mentions a “Distraint Warrant” — something the IRS does not issue
    • Urges you to call a 1-800 number to resolve the debt
    • Asks for payment by phone, using gift cards, money cards, or cryptocurrency
    • Threatens garnishment, seizure of assets, or tax refund holds

    Next Steps

    • Do not call the number or send any payment
    • Keep the letter as evidence, but don’t respond to it
    • Report the scam to the following agencies:
      • Colorado Attorney General
      • Federal Trade Commission
      • U.S. Treasury Department
      • Larimer County Sheriff’s Office Crime Prevention Unit: 970-498-4159
      • Larimer County Treasurer’s Office: 970-498-7020
    • If you’ve lost money, file a report with your local law enforcement
    • When in doubt, call your local authorities before taking any action
  9. IRS Scam

    Overview

    You get a phone call, text, email, or voicemail saying you owe back taxes to the IRS and need to pay right away—or a warrant will be issued for your arrest. It sounds scary, but it’s a scam. The IRS will never contact you this way or ask for payment over the phone. They only communicate by mail.

    Summary

    Scammers are pretending to be from the IRS, telling people they owe back taxes and must pay immediately to avoid legal trouble. They may call, text, or email you, and often use fear tactics like threats of arrest or lawsuits. They’ll ask you to pay using unusual methods—like gift cards, prepaid debit cards, wire transfers, or cryptocurrency. Some even spoof caller ID to make it look like the IRS is really calling. But here’s the truth: the IRS will never call, text, or email to demand payment. If you owe taxes, they’ll send you a letter in the mail.

    What are the 🚩 red flags 🚩?

    • Caller says you owe back taxes and must pay now to avoid arrest
    • You’re contacted by phone, text, or email, not by mail
    • Caller may have a foreign accent
    • They ask for payment using gift cards, money cards, or crypto
    • You’re told to call back or press a number to connect
    • The email address looks odd, even if it says “IRS” in the name
    • Caller ID may look official, but it’s often spoofed

    Next Steps

    • Hang up immediately—don’t talk, don’t press any numbers
    • Delete any texts or emails claiming to be from the IRS
    • Don’t call back the number they gave you
    • Never send money or give personal information over the phone or email
    • If you’re unsure, visit the official IRS website at irs.gov
    • Report the scam to the Treasury Inspector General for Tax Administration at tigta.gov
    • Remember: The IRS will only contact you by U.S. Mail unless you contacted them first
  10. Medicare Card Scam

    Overview

    You get a call from someone asking if you’ve received your new Medicare card. They say it’s free and that they’re not asking for money. If you say no, they put a “supervisor” on the line who asks you to get your Medicare card and read off some details. What they’re really doing is trying to steal your personal information. This is a scam. Hang up immediately!

    Summary

    This scam targets people who are on Medicare. A caller pretends to be from Medicare and asks if you’ve received your new card. If you say no, they offer to send you one and hand the call off to a “supervisor.” The supervisor then asks you to grab your current Medicare card and “verify” details like your Medicare number and coverage date. They may even say your benefits will be canceled if you don’t cooperate. These scammers are not from Medicare and are just trying to get your personal info so they can commit fraud. Real Medicare cards were already mailed out when the old ones were replaced, and Medicare will never call you to ask for your card information.

    What are the 🚩 red flags 🚩?

    • Caller asks if you got your new Medicare card
    • They say the card is free, and no money is needed
    • You’re transferred to a "supervisor" who asks for details from your current Medicare card
    • They may threaten to cancel your Medicare if you don’t provide info
    • The caller ID may show a strange or international number
    • Medicare never calls to ask for your personal information

    Next Steps

    • Hang up right away—do not talk to the caller
    • Never share your Medicare number or any personal information over the phone
    • If you’re unsure, call Medicare directly at 1-800-633-4227
    • Let friends, family, or caregivers know about this scam so they can avoid it too
    • Remember: If someone calls and asks for info from your Medicare card, it’s a scam
  11. Unemployment Benefits Scam

    Overview

    Scammers are using stolen personal information—like your name, Social Security number, and date of birth—to file fake unemployment claims in your name. You might not find out until you receive a 1099-G tax form, a notice from your state, or your employer contacts you. In some cases, the scammer may reach out pretending to be from a government agency and ask you to return the funds. This is a form of identity theft, and you should report it right away.

    Summary

    This scam involves someone using your personal information to file for unemployment benefits in your name. You may not realize it’s happening until you receive a 1099-G tax form from your state unemployment office or a notice from your employer. If the funds land in your bank account, scammers may call, email, or text you—pretending to be from a government agency—saying the money was sent in error and asking you to send it back. Participating in this, even unknowingly, could result in legal trouble. It's important to take this seriously and report it right away.

    What are the 🚩 red flags 🚩?

    • You receive a 1099-G tax form for unemployment benefits you never applied for
    • Your employer gets a notice that you filed for unemployment—but you didn’t
    • You receive unexpected unemployment payments in your account
    • Someone contacts you pretending to be from the state unemployment agency asking for the money back
    • You're asked to send money to a third party, often urgently

    Next Steps

    • Report the fraud to the Colorado Department of Labor using this form

    • Learn more about this scam: CDLE 1099-G Info

    • Report the identity theft 

    • Contact the three credit bureaus to place a fraud alert on your Social Security number:

      • Equifax: 1-800-525-6285

      • Experian: 1-888-397-3742

      • TransUnion: 1-800-680-7289

    • Request a free copy of your credit report from each bureau and check for suspicious activity

    • Contact your bank to let them know your information was compromised

    • Monitor your credit and bank activity closely

    • File a police report with your local law enforcement agency if needed

    • For IRS guidance on tax-related identity theft, visit: IRS Identity Theft Info

  12. Door-to-Door Scam

    Overview

    After a storm, someone shows up at your door offering to inspect your roof for damage. They may claim to be a contractor and even have a sign on their truck, but that doesn’t mean they’re legit. Once they "inspect" your roof, they’ll say you have damage—real or not—and offer a special deal to fix it if you pay upfront. In most cases, there is no damage—they’re just trying to scam you out of your money.

    Summary

    These door-to-door scammers show up after severe weather events, like hailstorms or tornadoes, and claim they can quickly inspect and fix damage to your roof, driveway, or home. They often say they’re already working in the area or have extra materials from another job. If you agree, they ask for partial or full payment upfront—but they either do shoddy work or disappear entirely. Magnetic signs and fake business names make it easy to appear legitimate. If you didn’t request help, don’t trust unsolicited offers—always call a reputable local company instead.

    What are the 🚩 red flags 🚩?

    • Someone shows up uninvited offering to inspect or repair your roof or driveway
    • They find damage even if there’s none
    • You’re asked to pay upfront—either partially or in full
    • They say they have extra materials from another job and offer a big discount
    • Their truck has a magnetic business sign (easy to fake)
    • The deal sounds too good to be true
    • You’re pressured to decide immediately

    Next Steps

    • Say no thank you and do not let them inspect or work on your property
    • If you think your roof or driveway might be damaged, call a licensed local contractor
    • Do not pay anyone who shows up uninvited
    • Report suspicious activity to your local law enforcement
    • Provide a description of the person, their vehicle, and any company name or signage
    • Let neighbors—especially seniors—know about this type of scam
    • Remember: just because someone looks official doesn’t mean they are
  13. Extortion Scam

    Overview

    You receive a disturbing and threatening message—usually by email—claiming the sender has access to your computer, online accounts, and private internet activity. They may mention a password (often an old one) and accuse you of watching pornographic content. They threaten to release embarrassing material to your contacts and social media accounts unless you pay a ransom, usually around $2,000 in Bitcoin. This is a scam meant to scare and shame you into paying.

    Summary

    This scam, often called a “sextortion scam,” tries to use fear and embarrassment to extort money. The scammer claims to have access to your internet activity and contacts, and says they’ll post humiliating content unless you pay them. They may mention a password—sometimes one you’ve used in the past—to make the threat seem real. The message usually demands payment in untraceable forms like Bitcoin or gift cards and gives you a short deadline to comply. These claims are false, and the goal is to intimidate you into paying.

    What are the 🚩 red flags 🚩?

    • You receive an email claiming you’ve been recorded or monitored online
    • The message includes an old or made-up password
    • You’re accused of visiting adult websites or doing something shameful
    • The sender threatens to contact your friends, family, or co-workers
    • You’re told to pay in Bitcoin or other untraceable methods
    • The tone is aggressive and includes a short deadline to send money

    Next Steps

    • DO NOT reply and DO NOT pay anything!
    • Delete the message immediately
    • Change all your passwords, especially if they’ve been reused
    • Turn on two-factor authentication for your accounts
    • Consider using a password manager to generate and store strong, unique passwords
    • If a password mentioned in the email is current, update it right away
    • Report the scam to the FBI’s Internet Crime Complaint Center (IC3)
    • Know that this is a common scare tactic and not based in reality—don’t fall for it
  14. Lottery Scam

    Overview

    You get a message saying you’ve won something amazing—cash, a vacation, a cruise, or a sweepstakes prize. All you have to do is pay a small “handling” or “shipping” fee to claim it. Sounds like a great deal, right? Wrong. Legitimate prizes are always free. Scammers are using the excitement of winning to trick you into handing over money for something that doesn’t exist.

    Summary

    This classic scam shows up by mail, phone call, robocall, text, or email. You’re told you’ve won something big—money, a trip, or some other valuable prize. But before you can receive it, you need to pay a small fee for shipping, taxes, or processing. The scammers might name-drop companies like Publishers Clearing House, cruise lines, or big-name resorts to sound legitimate. They’ll pressure you to act fast and keep you excited. The truth is, there is no prize, and once you pay the fee, you’ll never hear from them again—or you’ll get hit with even more requests for money.

    What are the 🚩 red flags 🚩?

    • You’re told you won a prize—but you never entered a contest
    • They ask you to pay a fee to claim the prize
    • The message comes from bulk mail, a strange number, or email address
    • They mention well-known names like Publishers Clearing House, but they’re not really connected
    • You’re told to keep the win a secret or to act immediately
    • Any pressure to pay quickly or give personal information

    Next Steps

    • Do not pay any fee or provide personal info
    • Delete the message, hang up the call, or throw away the letter
    • Report it to the Federal Trade Commission (FTC)
    • Report by mail scams to the U.S. Postal Inspection Service
    • If you already sent money, report it immediately—you might be able to stop the payment
    • Remember: Real prizes don’t cost money. If you have to pay, it’s a scam.
  15. Sex Offender Scam

    Overview

    This scam involves someone pretending to be law enforcement—like a detective or police captain—calling to say you’re in legal trouble. Sometimes they will target registered sex offenders due to the public record of their information. They might claim you missed a required check-in, didn’t submit a blood sample, or failed to meet some other condition, and now there’s a warrant out for your arrest. To avoid being taken into custody, they say, you can pay a fee right away using gift cards or another form of payment. This is 100% a scam. Law enforcement will never call and ask for money or personal information over the phone.

    Summary

    You get a phone call from someone claiming to be a "Detective," "Captain," or another law enforcement officer. They say there’s a problem with your registration—like you missed a check-in or need to submit a blood sample—and now there’s a warrant out for your arrest. Then, they offer a way out: pay them money (usually with gift cards or some other untraceable method), and the problem goes away. They may use real names from police departments to make it seem official. This is completely fake. Real law enforcement will never call you to demand money or gift card codes.

    What are the 🚩 red flags 🚩?

    • You get an unexpected call from someone saying they’re with law enforcement
    • They mention a warrant, missed requirement, or say you’re in legal trouble
    • They demand money over the phone, especially through gift cards, Bitcoin, or money apps
    • They pressure you to act right away to avoid arrest
    • They use the name of a real police officer or department to seem more believable
    • You’re asked to read gift card numbers over the phone

    Next Steps

    • Hang up immediately—don’t talk to the caller or give any personal information
    • Do NOT pay anything, no matter what they say
    • Never give out gift card numbers, bank info, or personal details over the phone
    • Call the LCSO Crime Prevention Unit at 970-498-5159 if you’re unsure
    • If you’ve lost money, report it to the LCSO non-emergency line at 970-416-1985
    • You can also call your local police department to ask about the call:
      • Fort Collins Police: 970-221-6540
      • Loveland Police: 970-667-2151
      • Estes Park Police: 970-586-4000
    • Remember: real law enforcement does not call to demand money or payment of any kind
  16. VISA Switch Scam

    Overview

    You are going to the store to buy a VISA gift card for a friend's birthday. However, when they try to use it, they get an error that the card was never activated, and therefore, there is no money on it.  Turns out, a scammer replaced the barcode on the purchased gift card with their own.. so the money went to the scammer instead of your friend.

    Summary

    A ring of scammers have been targeting grocery stores (and possibly other stores) to steal some inactivated Visa cards. They then carefully replace the legitimate barcode with their own barcode that goes to a Visa card the scammer has.

    When the buyer activates and pays for the card, instead of the funds being placed on the Visa card the buyer purchases, it goes directly to the scammer's Visa card. When the recipient tries to use the card, it shows that it hasn’t been activated. This ring has hit multiple grocery stores in our area. It is very difficult for the buyer to know if this is real or fake by just looking at the Visa card since the scammers are very careful about replacing the barcode and sealing the card back up. 

    What are the 🚩 red flags 🚩?

    • The recipient tries to use the card and is told it hasn’t been activated
    • The barcode may not match the card packaging (e.g., card says “Happy Birthday,” but receipt says “Get Well”)
    • The card appears sealed, but may have been subtly tampered with
    • You bought the card from the front of the display, where scammers may place tampered cards

    Next Steps

    • When buying a Visa gift card, choose one from the back of the rack, not the front
    • Check your receipt to make sure the type of card matches what you bought
    • Before leaving the store, ask customer service to double-check the card if anything looks off
    • If the card doesn’t work later, report it to the store where you purchased it
    • Report the scam to your local law enforcement
    • For more identity theft and scam prevention tips, visit your local crime prevention website or agency
  17. Wildfire Damage Scam

    Overview

    After a disaster—like a fire, flood, or severe storm—scammers often show up pretending to be contractors. They may offer to fix your home for a low price, but only if you pay upfront. Once they get your money, they disappear without doing any work. These scams take advantage of people when they’re stressed and vulnerable. Don’t fall for it—always check out anyone offering help before agreeing to anything.

    Summary

    Scammers know people are overwhelmed after a disaster and often show up at homes offering fast, cheap repairs. They may look official, complete with a truck sign or business card, but many are just trying to steal your money. They’ll ask for full or partial payment upfront, then vanish. Protect yourself by doing your own research and only hiring contractors you contact directly. If someone knocks on your door with a “great deal,” that’s a red flag.

    What are the 🚩 red flags 🚩?

    • The person shows up uninvited and offers repair services
    • They pressure you to act quickly and pay upfront
    • They promise a “great deal” but won’t provide proper references
    • Their company doesn’t have an online presence or reviews
    • They lack proper licensing or recently created a business
    • They use generic or removable magnetic signs on their vehicle

    Next Steps

    • Do your research before hiring any contractor
    • Contact reputable, local companies—you should make the first move, not them
    • Check licenses, references, business history, and online reviews
    • Get multiple bids before choosing a contractor
    • Never pay in full upfront—use milestone payments as work is completed
    • If someone suspicious contacts you, report them to the LCSO Crime Prevention Unit at 970-498-5159
    • Remember: anyone can slap a magnetic sign on a truck—don’t trust appearances alone
    • In any crisis, scammers will show up—stay alert and protect your money
  18. "Will you do me a favor?" Scam

    Overview

    Sometimes, scammers can get access to your contacts or copy a friend’s name and pretend to be them. They’ll email or message you asking for a “favor”—usually to buy gift cards because they claim to be out of town. They’ll ask you to scratch off the silver strip on the back and send them the PIN numbers. But here’s the truth: real friends don’t ask for gift cards over email. This is a common scam meant to trick you into giving away money that can't be traced or recovered.

    Summary

    You get an email that looks like it’s from a friend. They say they’re out of town and ask you to buy Google Play gift cards for a birthday or emergency. They say they’ll pay you back later. Once you send the card details, they disappear—and you realize it wasn’t your friend at all. The email may look almost right, but it’s slightly off (like a different email provider). Scammers rely on your kindness to trick you into sending money that you’ll never get back.

    What are the 🚩 red flags 🚩?

    • The email address is slightly different from your friend’s usual one
    • The message asks you to buy gift cards and send the PIN numbers
    • The sender says they’re out of town and will “pay you back later”
    • You’re being asked to send photos of scratched-off cards
    • The request feels urgent or emotional

    Next Steps

    • Do not respond to the email
    • Delete the message immediately
    • If you’re unsure, contact your friend directly using a phone number or method you trust
    • If you already sent gift card details, report it to your local law enforcement and the gift card provider
    • Monitor your banking and credit accounts for suspicious activity
    • Report the scam to the Federal Trade Commission
  19. Amazon Prime Membership Scam

    Overview

    Scammers are pretending to be from Amazon, claiming your Prime membership needs to be renewed or was fraudulently used. They contact people by phone or email and try to trick them into sharing personal and financial information or giving remote access to their computer.

    Summary

    This phishing scam targets a broad group of people, often using fake phone calls or emails that appear to come from Amazon. The caller or email will claim that your Amazon Prime membership is due for renewal, or that there has been suspicious activity on your account. They’ll then send you to a fake but official-looking website or ask you to download an app that gives them remote access to your device.

    Once you enter your credit card info or allow remote access, the scammer can steal your money and personal information. In some versions of this scam, you may receive an email with an attachment claiming it relates to your Amazon account. Opening the attachment can install malware on your device.

    These scams play on the urgency and convenience people rely on when ordering online, especially during times like the COVID pandemic.

    What are the 🚩 red flags 🚩?

    • You get a phone call from “Amazon” asking for payment or access to your computer
    • They send you to a website that looks real but is actually fake
    • You're asked to give out credit card or banking info
    • You're asked to download an app or disable your antivirus protection
    • You're asked to give someone remote access to your device
    • You receive an email about your Prime account with an attachment to open
    • The caller may have a foreign accent and sound urgent or aggressive

    Next Steps

    • Do not give out personal or payment information over the phone or in an email
    • Do not open attachments in emails that seem suspicious or claim to be from Amazon
    • Never disable antivirus software or allow remote access to your device
    • Don’t click links in emails you didn’t expect
    • Go directly to the Amazon website to check your Prime status
    • Report the incident to Amazon on their Security & Privacy page
    • Monitor your accounts closely for any suspicious activity
    • If you've shared any sensitive information, contact your bank or credit card company immediately and consider placing a fraud alert on your accounts
  20. Computer Scam

    Overview

    You see a pop-up on your screen warning that your computer has a virus, or you receive a call from someone claiming to be from Microsoft, Windows, or Apple. They say your computer is infected and offer to fix it—for a price. These are scams. Your computer isn’t infected, and the goal is to scare you into paying and giving them access to your device.

    Summary

    You see a pop-up on your screen warning that your computer has a virus, or you receive a call from someone claiming to be from Microsoft, Windows, or Apple. They say your computer is infected and offer to fix it—for a price. These are scams. Your computer isn’t infected, and the goal is to scare you into paying and giving them access to your device.

    What are the 🚩 red flags 🚩?

    • A pop-up claims your computer has a virus and tells you to call a number
    • The screen is locked but unlocks after restarting your device
    • A caller claims to be from Microsoft, Windows, or Apple
    • They ask for remote access to your computer
    • They request money to fix a supposed virus
    • The caller pressures you to act quickly

    Next Steps

    • Do not call the number on the pop-up
    • Shut down your computer and restart—it will likely clear the fake warning
    • Hang up if you get a phone call from someone claiming your computer has a virus
    • Never give remote access to your computer to someone you don’t know or trust
    • Never pay anyone over the phone for supposed virus removal
    • Report the scam to your local law enforcement or the Federal Trade Commission (FTC)
    • Run antivirus software you trust if you're concerned—but only from a known, legitimate source
  21. Computer Pop-up Scam

    Overview

    Scammers use loud alarms, flashing pop-ups, and fake warnings to scare you into thinking your computer is infected. These fake alerts tell you not to shut off your computer and to call a phone number for help. Their goal is to get remote access to your device and steal your money and personal information.

    Summary

    While browsing the internet, you may suddenly see pop-ups, hear alarms, and get a voice warning that says your computer is infected and not to turn it off. The alert provides a phone number to call for help. If you call, the scammer asks for remote access to your computer and then tells you to go buy gift cards—often $2,000 worth—and share the numbers. They claim they’ll fix your computer afterward.

    In reality, there’s nothing wrong with your device. These pop-ups are fake. If you shut down your computer and restart it, they go away. But if you let them in, they can steal your banking and credit card information, and once that money is gone, it’s nearly impossible to get it back.

    What are the 🚩 red flags 🚩?

    • Loud pop-up alerts with urgent messages like “Do not turn off your computer”
    • Prompts to call a phone number for technical support
    • Requests for remote access to your computer
    • Demands to buy gift cards and share the codes over the phone
    • No legitimate antivirus software would behave this way

    Next Steps

    • Turn off your computer immediately and leave it off for several minutes
    • Do not call any number shown in a pop-up alert
    • Never allow remote access to your computer from someone you don’t know
    • Never buy gift cards for someone claiming to be tech support
    • Report the scam to your local law enforcement
    • Visit www.identitytheft.gov if your personal info was shared
    • Place a fraud alert with a credit bureau (Equifax, Experian, or TransUnion)
    • Notify your bank and monitor your accounts for suspicious activity
  22. Craig's List Rental Scam

    Overview

    Rental scams on sites like Craigslist trick people into paying for properties that either aren't for rent or don’t belong to the person posting the ad. Scammers use attractive photos, great prices, and urgent language to pressure you into sending money—often through untraceable payment apps—before you've even seen the place.

    Summary

    You come across a listing on Craigslist for a rental home, vacation spot, or mountain getaway that looks perfect. The listing includes attractive photos and a price that seems almost too good to be true. The poster claims to be the owner or property manager but says they’re out of town and can’t meet in person. You're told to act fast—others are interested—and asked to send a deposit right away using a cash app like CashApp or through wire transfer. These payment methods are preferred by scammers because they’re nearly impossible to trace or reverse.

    In some cases, the scammer might gain access to a property using a legitimate self-showing service from a real management company and actually let you in, increasing their credibility. But they still don’t own the property and don’t have the right to rent it. Often, you won’t realize it’s a scam until you show up with your belongings—only to find the home already occupied or not available for rent.

    What are the 🚩 red flags 🚩?

    • The "landlord" or "property manager" refuses to meet in person
    • You're asked to send money via CashApp, Moneygram, wire transfer, or prepaid cards
    • You're pressured to act quickly or risk losing the property
    • The listing has typos, bad grammar, or seems overly vague
    • You're not asked to complete a rental application or screening process
    • You're told to pay before seeing or signing a lease
    • The lease is incomplete or full of blanks
    • The price seems too good to be true
    • The ad says, “first to pay gets it”
    • You arrive at the rental only to find the real owners living there

    Next Steps

    • Always meet the landlord or manager in person and view the property before agreeing to anything
    • Never send money before seeing the property or signing a legitimate lease
    • Only use credit cards or secure payment methods that offer fraud protection
    • Avoid untraceable payment methods like wire transfers, prepaid gift cards, or cash apps
    • Make a copy of the ad in case you need it for reporting
    • Report the scam to Craigslist, the Federal Trade Commission (FTC), and the Internet Crime Complaint Center (IC3)
    • If you lose money, report it to your local law enforcement agency
  23. Craig's List Scam

    Overview

    Scammers target Craigslist sellers by offering to pay more than the listed price. They send a fake check and ask you to send the extra money to someone else (like a “courier” or “mover”). The check eventually bounces, leaving you without your item and out the money you forwarded.

    Summary

    If you post an item for sale on Craigslist, a scammer may respond saying they want to buy your item—but offer you more than you’re asking. They claim to be out of town and say they’ll send a check (often a fake cashier’s check). They instruct you to deposit the check, keep the amount you asked for, and give the remaining money to a third party who will pick up the item. It seems easy, and the check may even appear real at first. But within days, your bank will notify you the check is fraudulent. By then, you’ve handed over the item and given real money to the courier. You're left with nothing—and your bank may hold you responsible for the entire amount.

    What are the 🚩 red flags 🚩?

    • Buyer offers more than your asking price
    • Buyer claims to be out of state or unavailable to meet
    • Asks you to deposit a check and send the extra funds elsewhere
    • Sends a cashier’s check or similar official-looking payment
    • Claims someone else will pick up the item for them
    • Urges you to act quickly to complete the deal

    Next Steps

    • Refuse any overpayment offers—only accept the exact amount agreed
    • Do not deposit checks from unknown buyers
    • Meet in person at a safe, public location—many police departments offer designated transaction zones
    • Never give out your home address
    • Report the scam to Craigslist immediately
    • If you're renting or selling property, confirm ownership through public records before sending or accepting payment
    • Use secure payment methods and avoid cash apps, wire transfers, or checks unless you know the buyer personally

    While most Craigslist users are honest, scammers often exploit the platform. If something feels off or too good to be true, trust your instincts and back away.

  24. Ebay Scam

    Overview

    Some scammers pose as eBay sellers and attempt to trick buyers into making purchases outside of the eBay platform. After you place an order, they may contact you directly offering a better deal if you cancel your eBay order and buy directly from them. This is a scam. If you go through with it, you lose all eBay buyer protections and could end up with no product, compromised credit card information, and no recourse.

    Summary

    While most eBay sellers are legitimate, scammers can take advantage of your desire for a better deal. After you place an order, they may reach out by phone or email, claiming they can sell you the item for a lower price if you cancel your eBay order and pay them directly. Once you provide your credit card info outside of eBay’s system, you lose all protections, and the scammer may use your information to make fraudulent charges. You likely won’t receive the product at all—and eBay cannot help if the transaction did not occur on their platform.

    What are the 🚩 red flags 🚩?

    • Seller contacts you directly after you place an order
    • Claims they can offer a better price outside of eBay
    • Asks you to cancel your original eBay transaction
    • Requests direct payment over the phone or through non-eBay methods
    • Encourages you to bypass eBay’s system (no buyer protection)

    Next Steps

    • Do not accept offers outside of eBay, no matter how good they sound
    • Report the seller to eBay immediately for violating eBay’s policies
    • Never give your credit card information over the phone to someone claiming to be a seller
    • If you already shared your credit card info, report the fraud to your credit card company
    • Monitor your statements for suspicious activity and alert the three major credit reporting agencies (Experian, Equifax, TransUnion)
    • Report the incident to the Federal Trade Commission (FTC)
    • If you lost money, contact the Larimer County Sheriff’s Office Crime Prevention Unit at 970-498-5159 or 970-416-1985

    Remember: if you stay within the eBay platform, you are protected. Scammers want you to step outside of it for a reason. Don’t fall for it.

  25. Email Scam

    Overview

    You receive an email that looks like it’s from a trusted source—Apple, Microsoft, Amazon, your bank, or even a government official. The message may say there’s a problem with your account or offer you money if you take a simple action like clicking a link or sharing your banking info. These emails are fake, and their goal is to steal your personal and financial information. Never click on suspicious links, and remember: if it sounds too good to be true, it is.

    Summary

    Scammers send phishing emails disguised to look like they’re from well-known companies or individuals. These messages may claim your account has been locked due to suspicious activity, thank you for a fake purchase, or offer you a large sum of money in return for helping someone overseas. They often include links or attachments that, once clicked, allow the scammer to install malware on your device or steal your personal information. Logos and email formatting may look real, but there are often red flags if you look closely—like poor grammar, unusual email addresses, or urgent threats. If you respond or click the link, you may be putting your identity and finances at serious risk.

    What are the 🚩 red flags 🚩?

    • Poor grammar, punctuation, or spelling
    • Suspicious or mismatched email addresses (e.g., support@amzon.help)
    • Sender name doesn’t match the email address or message content
    • Claims of free money or international donations
    • Urgent language (“Click here now or your account will be suspended”)
    • Requests to click a link or open an attachment
    • Strange or unfamiliar order confirmations
    • Slight modifications to logos or company names

    Next Steps

    • Do not click on any links or open attachments from suspicious emails
    • Delete the email immediately if you didn’t expect it or don’t recognize the sender
    • Do not respond to emails offering large sums of money or requesting personal/banking info
    • If the email claims to be from your bank or credit card company, contact them directly using the number on the back of your card—not the number in the email
    • Report phishing emails to your email provider and to the FTC
    • Run a virus scan if you clicked a suspicious link
    • Monitor your bank and credit accounts for any unusual activity
    • If you believe your information has been compromised, file a report and notify the credit reporting bureaus (Experian, TransUnion, Equifax)
  26. Facebook Ad Scam

    Overview

    Facebook and other social media platforms show sponsored ads, some of which are legitimate, but many are not. These ads often come from export distributors representing overseas companies. Due to shipping delays—especially during Covid—it may take months for your order to arrive. Often, the product shown in the ad looks great, but what you receive is low-quality or junk. When you try to get a refund, the company may demand you pay for costly overseas returns or simply refuse refunds if you don’t like the product.

    Summary

    Social media ads can be tempting, offering brand-name items at low prices. However, many of these ads come from overseas distributors that use slow shipping methods and offer little customer protection. Your product could take months to arrive, if it arrives at all. When it does, it might be poorly made or not what you ordered. Attempts to get a refund are often met with requests for expensive return shipping or outright denial. Since Facebook does not thoroughly vet these advertisers, it’s important to be cautious before making a purchase through social media ads.

    What are the 🚩 red flags 🚩?

    • Price is significantly lower than usual retail
    • Long shipping times (weeks or months)
    • Product quality doesn’t match the ad photos or description
    • No easy or free return/refund options
    • Requests to pay for international return shipping
    • Company is overseas and hard to contact
    • Sponsored ads that seem too good to be true

    Next Steps

    • Research the product and seller before buying—check if reputable US sellers offer the same item
    • If paying by PayPal, use their dispute/claim process if the seller is uncooperative
    • If paying by credit card, dispute the charge with your card issuer and explain why
    • Save a copy of the ad and any communications with the seller
    • Report suspicious or fraudulent sellers to Facebook
    • Familiarize yourself with Facebook’s policies on advertising and fraud
    • Always be cautious when ordering from social media ads—many are not vetted by the platform
    • If you never receive your product, file a fraud report with the appropriate authorities

    Remember: not all sponsored ads are trustworthy. Taking time to verify before buying can save you money and frustration.

  27. Google Voice Authentication Scam

    Overview

    Scammers on selling sites like Facebook Marketplace, Craigslist, eBay, and others may ask for your phone number and a Google verification code, pretending it’s to verify you as a legitimate seller. Instead, they use this information to steal your phone number and create fake accounts to scam others.

    Summary

    When selling items online, legitimate buyers usually don’t need your phone number. However, scammers will ask for your number and then send you a Google 6-digit verification code, claiming it’s to confirm you are a real seller. They will ask you to share that code with them, promising to call you back to arrange a meeting. But they never call—they use your phone number and the code to set up a fake Google Voice account. This allows them to post fraudulent ads or scam others using your number. Essentially, they hijack your phone number to carry out their scams, leaving you responsible for any trouble caused.

    What are the 🚩 red flags 🚩?

    • Buyers asking for your phone number without a clear reason
    • Receiving a Google 6-digit verification code from a buyer
    • Being asked to give that code to someone else
    • No follow-up call or genuine contact from the buyer after asking for the code
    • Any request to share verification codes during an online sale

    Next Steps

    • Never give out your phone number or share Google verification codes
    • Block and report the suspicious buyer to the platform where you are selling (Facebook, Craigslist, etc.)
    • If your phone number is stolen, follow the recovery process at Identity Theft Resource Center
    • Report the scam to the Federal Trade Commission at ftc.gov
    • Contact your local law enforcement to alert them about the scam
    • Stay cautious about sharing personal information when selling items online to protect yourself from scams
  28. Online Dating Scam

    Overview

    Scammers on dating sites create fake profiles with attractive photos and build relationships to gain trust. They avoid meeting in person and eventually ask for money, preying on loneliness and the desire for companionship. This scam can affect people of all ages, but seniors and those experiencing grief are especially vulnerable.

    Summary

    These scammers target people seeking romance and companionship, often on dating sites like Match or Zoosk, or social media platforms like Facebook. They create appealing profiles, sometimes using just one or two photos, and spend weeks or months chatting to build trust. Many victims are emotionally vulnerable, and scammers exploit feelings of loneliness and the hope for a meaningful connection. The scammer typically claims to be in the military or traveling abroad, giving excuses to avoid meeting face-to-face. Once emotionally invested, the victim is asked for money, with promises of repayment. Scammers may also request personal contact information to continue communication outside the dating site. Many victims feel embarrassed to report the scam. These scammers are often located overseas.

    What are the 🚩 red flags 🚩?

    • The person claims to be military or traveling abroad and won’t meet in person
    • Only one or two profile photos, often stolen from the internet
    • Profile looks well written, but chat messages have awkward or broken English
    • Requests for money “to tide them over” or promises to repay later
    • Asking for your personal contact details like phone number, last name, or address
    • Profile disappears or reappears under a new name or city if confronted

    Next Steps

    • Block the scammer’s profile immediately
    • Report the profile to the dating site or social media platform
    • Never share your personal contact information
    • Remember scammers often steal photos from the internet—don’t trust profiles with only a few pictures
    • If you suspect a scam, stop all communication and do not send money
    • Stay cautious and inform friends or family who use dating sites to help protect them too
  29. Trial Offer Scam

    Overview

    You may see a TV ad, receive a phone call, or get an email offering a free product—you just pay a small shipping and handling fee. While it sounds like a great deal, the fine print reveals that if you don’t return the product within 30 days, you will be charged the full price and enrolled in a costly monthly subscription. The 30-day trial period starts from when you order, not when you receive the product, which can take up to two weeks to arrive. Meanwhile, the company has your credit card and will keep billing you.

    Summary

    Scammers use ads, calls, or emails to lure people with “free trial” offers for products promising benefits like looking younger, losing weight, or staying healthy. These offers ask you to pay a small shipping fee upfront and give you 30 days to try the product. However, the fine print often hides that the 30-day window begins the moment you place your order, not when you actually get the item. Since shipping can take up to two weeks, your return window is already shrinking when the product arrives. If you miss the deadline, you’re charged the full retail price—which can be very expensive—and automatically signed up for a recurring monthly subscription at full price. Many people feel embarrassed to report these scams. The product itself may be real, but the sales tactics are designed to trap you into costly payments.

    What are the 🚩 red flags 🚩?

    • “Free trial” requires you to pay shipping and handling fees
    • The 30-day trial period starts from the order date, not the delivery date
    • Product delivery can take up to two weeks, reducing your actual trial time
    • Fine print is very small or printed in faint colors, making it hard to read
    • Missing the return deadline results in a full-price charge and monthly subscription
    • The full product price is usually very high ($89 to $150 or more)
    • Ads often promise miraculous benefits like anti-aging, weight loss, or health protection

    Next Steps

    • Hang up on unsolicited phone calls or delete suspicious emails immediately
    • Never give your credit card information over the phone or in response to unsolicited emails
    • Be skeptical of TV and social media ads offering free trials with shipping fees
    • Carefully read all fine print before agreeing to any “free” offers
    • If you receive a product, return it within the exact trial period to avoid charges
    • Report deceptive offers to the FTC and your credit card company if you are charged unfairly
  30. Charity Scam

    Overview

    Scammers pretend to represent charitable organizations—like animal rescues, police or firefighter funds, or medical charities—and ask for donations over the phone. They often play on your passion for a cause to pressure you into giving money immediately using a credit or debit card. But their real goal is to get your financial information. If you ask them to send you information by mail, they usually refuse. Legitimate charities will always allow you to research and donate securely through their official websites.

    Summary

    Charity scams are often conducted over the phone and target people’s compassion and desire to help. The caller claims to represent a well-known or emotionally appealing cause and asks for a donation using your credit card. These scams are particularly dangerous because they sound legitimate and tap into causes you genuinely care about. Seniors are especially vulnerable due to higher levels of trust in these types of appeals. A major red flag is when the caller insists on taking a payment immediately and refuses to send any information by mail. These scammers rely on your good intentions—and your willingness to act quickly—to steal your money and financial information. Always verify the charity independently before giving.

    What are the 🚩 red flags 🚩?

    • Caller claims to represent a charity and asks for a donation over the phone
    • Refuses to send information by postal mail
    • Insists on immediate payment by credit or debit card
    • Tries to create urgency or emotional pressure to donate right away
    • You’ve never interacted with the charity before or can’t verify their legitimacy

    Next Steps

    • Hang up immediately if you’re asked to donate over the phone
    • Never give out your credit card, bank account, or personal information to a cold caller
    • If the cause interests you, visit the official website of the organization directly to donate
    • Report suspicious calls to the FTC or your local law enforcement
    • Educate friends and family—especially seniors—about these scams to protect them from becoming victims
  31. Delivery Scam

    Overview

    You may receive a text, email, or phone call claiming to be from FedEx, UPS, USPS, Amazon, or another delivery service. The message says you have a package on the way, but you need to confirm details, pay a shipping fee, or complete a survey to receive it. These messages may look official, using real logos and formatting, but they are designed to trick you into giving away your personal or financial information. If the delivery was legitimate, all charges would already be paid when you placed the order.

    Summary

    Scammers send fake delivery notices by text, email, or phone, pretending to be from major shipping carriers. They might say you need to pay a fee or click a link to update your delivery preferences. Sometimes they’ll say you’ve won a prize and just need to cover shipping. These messages often look very convincing, using real company names and logos. However, if you’re not expecting a package or didn’t request tracking updates, this is likely a scam. The goal is to get your credit card number or personal details by tricking you into clicking on a fraudulent link or completing a fake form.

    This scam plays on curiosity or excitement about receiving something unexpected and affects people of all ages.

    What are the 🚩 red flags 🚩?

    • You’re not expecting a package
    • Message asks you to pay for shipping or the item
    • Claims you won a prize but must pay to receive it
    • Unsolicited text, email, or phone call from a delivery company
    • Message includes a link asking for personal or financial information
    • You didn’t request delivery alerts or tracking updates
    • The company name is spoofed (logo looks real, but email/text is fake)

    Next Steps

    • Do not click on any links or provide payment info
    • Delete the message or hang up the call
    • Report the scam to the delivery company mentioned (e.g., FedEx, USPS, UPS, Amazon)
    • If you clicked on the link or gave information, contact your bank or credit card company immediately
    • Consider reporting the scam to the FTC
  32. Grandparent Scam

    Overview

    Scammers take advantage of grandparents’ love and concern by pretending to be a grandchild in trouble. They often start a phone call with, “Hi Grandma/Grandpa,” prompting the victim to guess a name—giving the scammer what they need. The caller may say they’ve been arrested, had an accident, or are stranded, and they urgently need money—often requesting secrecy from parents. They may even pass the phone to someone pretending to be a police officer to make the story sound more real.

    Summary

    This scam targets seniors by playing on their deep emotional connection to their grandchildren. It usually starts with a vague greeting and relies on the grandparent to fill in the missing information. Once the scammer has a name, they create a dramatic and urgent story—claiming to be in jail, involved in an accident, or caught with drugs—and ask for money to get out of trouble. They may say, “Please don’t tell my parents,” and introduce a fake police officer to add pressure. The scammer will try to keep the grandparent on the phone while they go to the bank or store to wire money or purchase a gift or money card. Once the card code is given, the money is gone—and so is the scammer.

    This scam plays on emotions of protection, fear, and urgency, making it especially effective against older adults.

    What are the 🚩 red flags 🚩?

    • Caller says “Grandma/Grandpa, it’s me” without giving a name
    • You provide the name, and they go along with it
    • They ask you not to tell the parents
    • The story involves an emergency or legal trouble
    • A second person joins the call claiming to be a police officer
    • They ask you to stay on the line and not hang up
    • They request money through gift cards, money wiring, or prepaid cards

    Next Steps

    • Hang up immediately
    • Do not send money or share gift/money card numbers
    • Call your grandchild or their parents directly to check on their safety
    • Report the scam to your local police department
    • You can also contact the Larimer County Office on Aging for support
    • Consider reporting to the Federal Trade Commission
  33. Law Enforcement Scam

    Overview

    A scammer pretending to be a law enforcement officer calls you, claiming your identity has been linked to a drug trafficking case. They say a federal attorney needs you to send a large sum of money for safekeeping until the case is resolved. They stay on the phone the entire time, guiding you to withdraw funds and overnight a cashier’s check via FedEx. You're instructed not to tell anyone for 48 hours—long enough for them to take your money and disappear.

    Summary

    Scammers posing as law enforcement prey on fear and authority. The caller may say something like, “I’m Officer James [Name] from [Agency], and your ID has been used in a drug trafficking operation.” They claim a federal attorney is handling your case and needs you to send money immediately to “hold” until it’s resolved. The scammer will stay on the phone the entire time—coaching you to visit your bank, withdraw a large sum in the form of a cashier’s check, and lie to bank staff if questioned (e.g., “Say you’re buying property”).

    Once you have the check, they direct you to FedEx to overnight it to a specific location. You're told not to tell anyone for 48 hours—this delay ensures they get your check, cash it, and vanish before you figure out it’s a scam. They promise you’ll get the money back. You won’t.

    This scam plays on fear of criminal charges and trust in law enforcement—especially targeting more vulnerable or trusting individuals.

    What are the 🚩 red flags 🚩?

    • A law enforcement officer asking you to send money
    • Being told your identity is linked to a criminal case
    • Caller insists you stay on the phone the entire time
    • You're instructed to lie to bank staff about why you need the money
    • Told not to tell anyone for 48 hours
    • Asked to overnight a cashier’s check to an unknown address

    Next Steps

    • Hang up immediately – real law enforcement will never ask for money or secrecy
    • Do not withdraw or send any funds
    • Report the call to your local police department and the FTC at https://ftc.gov
    • Share this information with others—especially older adults who are common targets
    • If you’ve already sent money, contact your bank and FedEx immediately to try to stop the transaction, and file a report with local law enforcement
  34. Police Impersonation Scam

    Overview

    Scammers impersonate law enforcement officers and claim you are in legal trouble—such as missing jury duty or having an outstanding warrant. They tell you that to avoid arrest, you must pay a fine immediately over the phone. They often use real names and ranks pulled from law enforcement websites to sound legitimate. These calls are designed to scare victims into sending money quickly without verifying the story.

    Summary

    This scam targets people of all ages, especially those who are trusting and law-abiding. The scammer calls posing as a detective, captain, or officer from a local police department—such as the Larimer County Sheriff’s Office (LCSO)—and claims there’s a warrant for your arrest. Common reasons include missing jury duty or being involved in some unnamed offense.

    They say you can avoid arrest by paying a fine right away. The caller will often ask you to purchase a money or gift card and read the numbers over the phone. Once the scammer has those numbers, the money is gone and cannot be recovered. The scammer may also warn you not to tell anyone and use intimidation tactics to keep you on the phone.

    This plays on fear and the instinct to protect your reputation. But remember: law enforcement will never call to demand payment or ask for gift cards.

    What are the 🚩 red flags 🚩?

    • Caller claims to be a police officer or detective from a real law enforcement agency
    • Accusations of missed jury duty, warrants, or other legal issues
    • Asked to stay on the phone and not tell anyone
    • Told to pay immediately using gift cards, money cards, or digital currency
    • Told that paying will prevent arrest
    • Real law enforcement names and titles used, but out of context

    Next Steps

    • Hang up immediately – real police will never ask for payment over the phone
    • Do not give out personal or financial information
    • Report the scam:
      • LCSO Crime Prevention Unit: 970-498-5159
    • If in doubt, call your local police department directly to verify any law enforcement contact:
      • LCSO Non-Emergency: 970-416-1985 (especially if money was lost)
      • Fort Collins Police Services: 970-221-6540
      • Loveland Police Department: 970-667-2151
      • Estes Park Police Department: 970-586-4000
  35. Share My Winnings Scam

    Overview

    You receive a text from someone claiming to be a wealthy lottery winner who wants to share their fortune with you—no strings attached, just “free money.” They may even include a photo and link to a video or article that looks legitimate. The message says you've been randomly selected to receive thousands of dollars, but in reality, it's a scam designed to steal your personal information or trick you into sending money to claim your “prize.”

    Summary

    This scam targets anyone with a cell phone and plays on the hope of financial relief. You’ll get a text claiming to be from someone like Manuel Franco, a real Powerball winner, offering you a large sum of money as part of a personal giveaway. The scammer provides a link (usually fake or spoofed) and contact details for someone claiming to handle the transaction. They may ask for your name, address, and even banking or payment information to “confirm” your winnings.

    These messages often use the names and images of real people, but the person behind the message is a scammer impersonating them. The emotional hook is the idea of catching a financial break—especially during tough times—but it’s just another tactic to steal your personal information or money.

    What are the 🚩 red flags 🚩?

    • Message is from a stranger claiming to give you money
    • Mentions a lottery or Powerball win and that you’ve been “selected”
    • Includes a link to a fake video or site
    • Asks for your personal details or to text an agent
    • Message sounds too good to be true (because it is!)
    • May include poor grammar or strange formatting

    Next Steps

    • Do not click on any links or respond to the message
    • Delete the text immediately
    • Report the message to your cellular provider (you can forward it to 7726 on most networks)
    • If you accidentally clicked or sent information, contact your bank or credit monitoring service immediately
    • Remember: legitimate lottery winners do not give away money via text messages to strangers
  36. Social Security Scam

    Overview

    You receive a phone call or email claiming your Social Security number (SSN) has been involved in fraudulent activity and is now suspended or "on hold." The message warns that you could face arrest or legal action if you don’t respond immediately. The caller or email sender then demands your personal information and/or payment to resolve the issue. This is a scam.

    Summary

    This scam targets people of all ages, especially those receiving Social Security benefits. The scammers pretend to be from the Social Security Administration (SSA) and use fear to pressure you into acting quickly. They claim that your SSN has been compromised and that you must take urgent steps to avoid serious consequences like arrest or account deactivation.

    They may ask you to pay a fee using gift cards or request that you click on a link to provide personal details. They often spoof caller ID numbers to look like they’re coming from a government agency. However, no government agency will ever call or email you to request your SSN, demand money, or threaten arrest over the phone.

    What are the 🚩 red flags 🚩?

    • Claims your Social Security number has been suspended
    • Caller threatens arrest or legal action
    • Request for payment via gift cards or money cards
    • Spoofed numbers to appear like official agencies
    • Caller demands personal information urgently
    • Claims you need to click a link or press a number to resolve the issue

    Next Steps

    • Hang up the phone or delete the email immediately
    • Do not provide your Social Security number or any personal information
    • Never pay someone with a gift card or money card
    • Report the scam to the Social Security Fraud Hotline: 1-800-269-0271
    • Visit SSA Fraud Info for more guidance
    • Report identity theft or suspicious activity at IdentityTheft.gov
    • You can also report the scam to:
  37. Threatening Text Message Scam

    Overview

    A disturbing and violent scam has begun appearing in Northern Colorado after circulating in other parts of the U.S. Scammers use publicly available information to claim you’ve wronged someone affiliated with a cartel. They demand a payment—often $2,500—or threaten to harm your family. To intensify the fear, they include graphic photos of mutilated bodies. Although the threats appear personal, they are based solely on public data.

    Summary

    This scam relies on fear and intimidation. You may receive a text message claiming you've offended or interfered with cartel activity—often referencing “the girls of the cartel.” The message demands payment and warns that if you don’t comply, your family will be harmed. The scammers include graphic images to make their threats appear real.

    They will often reference your name, age, address, and even relatives—information they can easily find online. The message may also feature poor grammar or awkward language. This is an attempt to extort money by creating panic, not a real threat.

    This scam can target anyone, regardless of age or background.

    What are the 🚩 red flags 🚩?

    • Threats of violence if money is not paid
    • References to cartels or criminal activity
    • Demands for payment (often $2,500)
    • Graphic, violent images included in the message
    • Mentions personal info (name, address, relatives) that is public
    • Bad grammar or awkward phrasing
    • Requests to leave a voicemail or not respond directly

    Next Steps

    • Do not respond or engage with the message in any way
    • Do not pay or provide any information
    • Do not call the number, even to confront them
    • Forward the message and any documentation to Barbara Bennett at Larimer County Sheriff’s Office (LCSO). (See contact info on their official website.)
    • Report the incident at ReportFraud.ftc.gov
    • Delete the message after reporting to avoid emotional distress

    Even though this scam is terrifying, it is not a real threat. The scammers are using fear to manipulate and steal from people—don’t let them succeed.

  38. Utility Bill Scam

    Overview

    This scam preys on people’s fear of losing a basic necessity: electricity. Scammers claim to be from the utility company and say your bill is overdue. They threaten to shut off your power within 30 minutes unless you make an immediate payment over the phone. During financially difficult times—such as the COVID-19 pandemic—this type of urgent threat can cause panic and quick, irrational decisions.

    Summary

    You receive a phone call or voicemail from someone pretending to be from your utility company. They claim your electricity will be shut off in 30 minutes due to a past-due bill. You're told you must pay immediately over the phone using a credit card, wire transfer, or money card.

    The urgency is meant to alarm you into acting without thinking. The scammer may even argue or pressure you when you hesitate. These methods are all designed to get your financial information or untraceable payment quickly before you verify anything.

    This scam can target anyone, regardless of age or financial situation, and is especially harmful to people already struggling to keep up with bills.

    What are the 🚩 red flags 🚩?

    • Threats that your power will be shut off within minutes
    • Pressure to pay immediately over the phone
    • Requests for payment via gift cards, wire transfers, or prepaid cards
    • You did not receive any mailed notices about your bill
    • Caller insists you cannot hang up or wait
    • Caller becomes aggressive or argumentative if you resist

    Next Steps

    • Do not pay or provide any personal information
    • Hang up immediately
    • Do not call back the number they gave you
    • Contact your utility company directly using the number on your official bill or their website
    • Report the scam to the Federal Trade Commission at ReportFraud.ftc.gov

    If you’re unsure about the status of your utility bill, always verify through your official provider. Never trust unsolicited calls demanding immediate payment. Real utility companies do not threaten disconnection with no notice and will never ask for untraceable payments over the phone.

  39. Victim Information

    If you have fallen victim to a scammer, remember these 7 important steps

    1. Do not communicate further with the scammer.  They are criminals and some are dangerous. Never offer to travel to meet them to claim your money or prize, pay them to receive your prize, exchange products from Craig’s list or give out your address and other personal information.
    2. Contact your bank immediately and ask them to monitor your account for unusual activity. Ask them if it is necessary for you to close out your current accounts and open new ones. You can also refer to our Identity Theft Prevention page for more information.
    3. Contact the fraud departments of one of the three major credit bureaus to put a fraud alert on your account. They will pass the info to the other two. This will require credit agencies to contact you before opening any new accounts or making changes to your current accounts.
      1. Experian 1-888-397-3742
      2. Equifax 1-888-378-4329
      3. Transunion 1-800-916-8800
    4. File a Police Report with your local law enforcement if you have lost money to the scammer. Ask for a copy of the report to submit to your bank, credit agencies and other financial institutions for proof that a crime was committed. If you have not lost money but want to report the scam, call or email Barbara Bennett, 970-682-0597.
    5. File a fraud complaint with the Federal Trade Commission - www.ftc.gov and  www.identitytheft.gov.
    6. Document and save all conversations you have with the scammers, whether by text, email or phone, and with your bank, the credit agencies, and law enforcement. Include the date and time of when you had a conversation, who you spoke with (person's name and extension number if applicable), the phone number you contacted and the information you provided.
    7. Monitor bank and credit card activities closely. Report any suspicious activity.

    NEVER DO THESE:

    • Never - Click on a link from an unknown source
    • Never - Give any personal information over the phone
    • Never - Pay for anything via money or gift cards or wire transfers
    • Never - Call the numbers provided by a scammer pretending to be a legitimate business - these calls go directly to the scammer.
    • Never - Pay strangers via cash apps (Venmo, etc.)
    • Never - Pay for something prior to seeing it (rentals through Craig’s List)

    PLEASE familiarize yourself with the scams listed on this website so if you are contacted you will be aware that it is a scam!  Check back frequently since new scams are always added!

Chief Scambuster

Barb Bennett

Chief Scambuster

970-498-5146

bennetbe@co.larimer.co.us