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In Washington, Learn How to Protect Yourself from Ever-Changing Fraud

Posted on 04/07/25 by Ann Hardie

This past January, scammers posing as computer and bank representatives stole $5,000 from an account belonging to Janet Heise. The AARP volunteer from Lacey came close to losing an additional $52,500 at a different financial institution after the criminals claimed that both her accounts had been compromised by someone trying to buy pornography.

“I believed them,” says Heise, 71, a retired educator who gave the scammers access to her account information. By the time she figured out that she had been deceived, she was able to stop the larger transaction from going through.

Heise is not alone. In 2024, 56,358 Washington consumers reported cases of fraud, including imposter scams, with losses totaling $297.2 million, Federal Trade Commission data shows. Officials say that due to persistent underreporting, the true numbers are far higher.

AARP Washington is working to prevent even more people from losing money to increasingly sophisticated criminals. The efforts are led by fraud prevention specialist Kay Tomlinson and other AARP volunteers, and they include Fraud Watch Friday, an online event on the third Friday of each month. Topics range from romance schemes to home repair scams, identity theft to email phishing. The effort is supported by the nonprofit credit union BECU.

AARP Washington also has a wealth of fraud-fighting information on its website, and its Speakers Bureau volunteers regularly educate community groups on the latest scams and how to protect against them.

“Fraud and scams have been around forever, but they certainly have changed — and seem to not only change, but proliferate,” says Tomlinson, who serves on AARP Washington’s Executive Council and is a volunteer with its Speakers Bureau. She spent a career in global financial management before retiring in 2018.

 ‘Tech support’ turned bad

Heise says her defenses were down when she became a fraud victim — her brother had died unexpectedly the day before. She says she clicked on a Facebook link that froze her screen, and a number appeared claiming to be Apple support. “I called the number, and boy, did they trap me,” she says.

The “Apple” worker on the other end of the line was actually a criminal who had somehow hacked her computer and said someone had accessed her financial accounts; he offered to connect her with her banks. Heise provided him with the numbers to the fraud units, but he instead conferenced her in with other scammers who said they were transferring her money into a “safety storage place.”

Heise became aware of the ruse when they told her at the end of the ordeal, “Don’t tell your friends, don’t call your bank and don’t report this to the police,” she recalls. “I hung up immediately and went, ‘Janet, you’ve been screwed.’”

She called her local credit union, and they froze the $52,500 transaction. Her other bank said she would have to appear in person to freeze the account, which she couldn’t do in time. She did report the incident to security at her retirement community, the local police and the FBI, but so far, the scammers haven’t been identified.

“I am trying to be more cautious,” she says, “but at the same time, alerting friends and neighbors … to what happened to me.”

AI, virtual kiosks the latest fraud tools

Many of the latest scams use artificial intelligence technology. Scammers use AI to generate text messages that appear to be from legitimate sources to deceive people into giving their personal or financial information. “They can send hundreds of thousands of texts with the push of a button,” Tomlinson says.

Scammers also can use AI to produce realistic-sounding voice recordings or even videos that impersonate family and friends asking for money or personal information. “It’s getting so good now, it’s hard to tell what’s real and what’s not,” Tomlinson says. She advises families to come up with a prearranged word that they can share over the phone or text to prove they are who they say. (For a deeper dive on AI and how to avoid scams using it, the AARP Washington Speakers Bureau offers the presentation, “A.I. 101: Artificial Intelligence and Fraud,” free to community groups.)

Another tool that scammers have started using to steal money is cryptocurrency ATMs — also known as Bitcoin ATMs or virtual currency kiosks — that have popped up in gas stations, convenience stores and other businesses. The ATMs are one way for people to convert dollars into cryptocurrency, a digital or virtual currency. Scammers like crypto ATMs because transactions can be hard to trace.

The FTC says that losses through Bitcoin ATM scams increased almost tenfold nationally from 2020 to 2023. During the first half of 2024, losses topped $65 million, with people 60 and older more than three times as likely as younger adults to report a loss.

Legislation sought to curb abuses

During the 2025 session of the Washington State Legislature, AARP Washington advocated for Senate Bill 5280, hoping to rein in crypto abuses. The bill — which ultimately didn't pass — sought to boost regulation of crypto ATMs and would have added new consumer protections, including requiring kiosk operators to alert consumers of potential fraud and financial losses that may not be able to be recovered. The bill also would have limited the amount of money that could be deposited or withdrawn into a crypto ATM to $1,000 a day. Currently, there is no limit, and people can lose tens of thousands of dollars, if not more, in one transaction.

“Scammers try to get the person into a heightened state of emotional being,” says Cathy MacCaul, AARP Washington’s advocacy director. That, she adds, can cause them to “make bad decisions.”

Other states have passed laws to curb crypto ATM-related fraud. As an example, Vermont crypto ATMS now have a $1,000 daily cash transaction limit, and in Minnesota, daily transactions are capped at $2,000 for new customers, who can also get refunds for fraud losses that are reported within 14 days.

MacCaul says the crypto ATM industry can still make money. “What we’re saying really simply is, ‘We want you to be able to do business here in Washington state — but you have to play by the rules,’ ” she says. “Here are the rules.” 

(This story was updated April 17, 2025, after the legislation failed to pass during the 2025 legislative session.)

Ann Hardie spent a decade covering aging issues for The Atlanta Journal-Constitution. She has written for the Bulletin for 16 years.
 
AARP Washington resources:

  • AARP Washington’s Fraud Watch Friday Led by volunteers from the AARP Fraud Watch Network, AARP Washington hosts an online event on the third Friday of each month, starting at 10:30 a.m. The interactive discussions cover the latest in scams and fraud.
  • AARP Washington Speakers Bureau Trained volunteers can speak to groups at no cost on a variety of topics, including fraud prevention.
  • AARP Fraud Watch Network A free resource with information on how to proactively spot scams and get guidance from fraud specialists. The number to the AARP Fraud Watch Network Helpline is 877-908-3360.
  • Free shredding event from BECU and AARP Free shredding will be provided on Saturday, April 26, in Tukwila, Federal Way, Everett and Bellingham.

Also of interest:

How to Avoid Extortion Scams

 

This story is provided by AARP Washington. Visit the AARP Washington page for more news, events, and programs affecting retirement, health care, and more.

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