I think I have been scammed

Real stories

A call from a grandchild in trouble

The voice is crying. There has been an accident or an arrest, and money is needed today for bail or a lawyer. These calls happened to grandparents in Canada. Under each story: the point where it could have been stopped, and how.

Regina, Saskatchewan · December 2025

The voice was her granddaughter’s. The call was not.

Lost nothing

On a Tuesday afternoon, Jill’s phone rang. Her granddaughter was crying. She had rear-ended a car, the other driver was in hospital, and she had been arrested. Bail was $6,875.

“I will swear to my dying death that it was her voice.”

Jill, 79

A police officer came on the line, then a lawyer, “Mr. Williams”. He told her to take the money out in cash, tell the bank it was for a contractor, and leave it in a box on her front step for a courier.

She took out $7,000. At home, she and her husband saw that nobody had mentioned a receipt. Jill looked up a lawyer named Williams and called him. He had never heard of her. “No lawyer would ask you to do that,” he said, and told her to call the police.

CBC News, 12 December 2025. “‘That was my granddaughter’s voice’: Senior suspects scammers used AI in Regina, Saskatoon”

Step by step, and what stops each one

  1. Stage 02

    Her crying granddaughter: a crash, an arrest, bail of $6,875.

    What stops it here

    Choose, on an ordinary day, one person you phone before you send money or agree to anything. The rule covers every caller, so making that call never means admitting you were fooled.

  2. Stage 03

    A “police officer”, then a lawyer, “Mr. Williams”.

    What stops it here

    Look at how you are being asked to pay. Cash handed over at the door and gift cards are what scammers ask for, because the money cannot be got back. If that is the request, send nothing yet, and show it to one other person first.

  3. Stage 04

    A story for the bank, and a box left on the front step.

    What stops it here

    Bail can wait until morning. A courier sent to your door to collect it is the fraud, not the process.

  4. It stopped here

    Stage 05

    She took out $7,000 in 50s and 100s.

    She called a lawyer she found herself, not the one on the phone.

    What stops it here

    If a teller asks what the money is for, give the real reason. Then add the cover story: “I was told to call it a contractor’s bill.” Nobody honest needs you to lie to your bank.

Niagara Region, Ontario · November 2022

He told the bank it was for a car. Then a roof. Then an inheritance.

Lost $28,500

Philip, 88, said the voice sounded exactly like his grandson, who had just married and was training to be a paramedic. Now, the callers said, he faced drug and weapons charges, and a record would end that career.

“Grandpa, Grandpa, would you help me?”

The voice on the phone

Men calling themselves officers of the Royal Canadian Mounted Police (RCMP), and a judge, told Philip to withdraw cash and not to tell the bank why. A courier would come to his door and give a password, “Code yellow”, to prove the court had sent them.

Over six days he made three withdrawals at two branches of his credit union. He told the tellers it was for a car, then a roof, then an inheritance for his grandson. The third time, he signed a form releasing the credit union from blame if the cash was lost.

His daughter held power of attorney on the account. Nobody called her. She found out when she saw a pickup at her parents’ house.

CBC News, 6 December 2022. “Why didn’t credit union do more to help grandfather scammed out of $28.5K, family asks”

a hold the bank stops one payment while somebody asks a question

A bank or an investment firm can pause a single withdrawal, transfer or trade rather than let it go through. The institution places it, not you, and it is temporary. It does not close the account or touch the rest of the money.

power of attorney a document that lets somebody else act on your money or your property

You sign it in advance, while you can still make the decision, and you choose how wide it is. What it covers and what it is called differ from one province to the next. It does not hand over ownership.

Step by step, and what stops each one

  1. Stage 02

    His grandson, sobbing, facing charges that would end his career.

    What stops it here

    Settle it in advance: before any money leaves, you ring one person you chose when nothing was wrong. Because the rule applies to every caller, ringing them says nothing about whether you believed this one.

  2. Stage 03

    “RCMP officers”, a “judge”, and a password for the courier: “Code yellow”.

    What stops it here

    A password, a badge number and a judge on the line are all easy to fake. The payment is what gives it away: police and courts do not send a courier to collect cash.

  3. Stage 05

    Cash from the credit union, and a different story for the teller each time.

    What stops it here

    Tell the teller the real reason, and the story you were given to tell. “They told me to call it a car payment” is the sentence that lets a teller step in.

  4. Could have stopped here

    Stage 06

    Three withdrawals at two branches in six days.

    At the second withdrawal, a call to his daughter, who held power of attorney.

    What stops it here

    Ask your bank now to put a hold on anything over an amount you choose, and to call back before it goes through. A delay gives someone time to ask a question.

Langford, British Columbia · November 2025

Afterwards, she phoned her grandson’s house. He picked up.

Paid the courier

A woman in Langford, on Vancouver Island, got a call from a man who said he was her grandson, and that he was in jail. Then his “attorney” called: a courier would come to her house for $7,200 in legal fees.

The courier came. Police believe he was a victim too. He had answered a job offer sent to his phone, and a man he knew only as “Top” texted him addresses, told him to keep $200 a time, and to deposit the rest.

In two days he collected from at least three people, about $30,000 in all, then walked into a police detachment to ask whether what he was doing was legal.

Later, the woman phoned her grandson’s home. He picked up.

CBC News, 15 January 2026. “He accepted a fake job offer. Police believe it roped him into a grandparent scam”

Step by step, and what stops each one

  1. Could have stopped here

    Stage 02

    A man saying he was her grandson, in jail.

    The call to her grandson’s home that she made afterwards. Made first, it ends the scam.

    What stops it here

    Make the call that ends this scam on a quiet day, not a frightening one: name the person you will phone before any money moves, and phone them whoever is asking.

  2. Stage 04

    A courier would come to the house for the money.

    What stops it here

    Nobody collects legal fees or bail at your front door. A courier sent for money is the scam itself, whoever the caller says he is.

  3. Stage 05

    She handed the cash to the courier.

    What stops it here

    In these scams most money leaves in person, at a bank counter, where someone is allowed to ask what it is for. If they ask, give them the true answer.

Manitoba · January 2023

She paid $8,000. When they asked for $9,000 more, she called her family.

Lost $8,000 · refused the rest

A woman of 73 got a call from her “grandson”. He had been in a car accident, police had found drugs in his car, and he was in jail. A courier came and collected $8,000 to get him out.

Two days later the callers wanted $9,000 more, for lawyer fees. This time she called her family.

Together they set up a sting with the police. The courier talked his way out that day, and kept collecting after two police warnings. He was later convicted and sentenced to three years.

Eight people aged 73 to 89 lost more than $30,000 to the same scam. One of them now answers the phone only when his children’s names show on the screen.

CBC News, 1 October 2025. “Courier in ‘despicable’ grandparent scam sentenced to 3-year jail term”

Step by step, and what stops each one

  1. Stage 02

    Her grandson: a car accident, drugs found, jail.

    What stops it here

    Decide beforehand who you call first. Then a frightening call has a next step that is not the caller’s: phone that person, and let them hear the story too.

  2. Stage 05

    $8,000, handed to a courier.

    What stops it here

    Cash taken out for a stranger to collect is the point to say the whole story out loud, to the teller or to family, before the handover.

  3. It stopped here

    Stage 06

    Two days later: $9,000 more, for “lawyer fees”.

    She called her family before paying again.

    What stops it here

    Each new request leans on the money already paid. Treat it as a fresh ask, and phone your named person before you pay anything more.

  4. Stage 07

    Afterwards, one victim answers the phone only to his children.

    What stops it here

    Today, call your bank’s fraud line, your local police and the Canadian Anti-Fraud Centre. A date and an amount is enough to start. Anyone who then calls offering to win the money back is part of the same scam.

Vancouver · May 2021

Ten trips for gift cards in five days, with her family in the same building

Lost $20,000

A woman of 74 got a call from someone who sounded exactly like her 24-year-old grandson. There had been a crash, someone was hurt, and he needed money for a lawyer.

“Within the first minute or two, you are grabbed emotionally.”

The woman, 74

Then a second man called, as the lawyer. For five days the two of them kept calling, sometimes together. She went to Safeway and Best Buy ten times, bought $2,000 in gift cards each time, and read the codes off the back over the phone.

They told her not to tell her grandson’s parent, who lived in the same building. On the fifth day she asked questions only her grandson could answer, and they could not. The card company would not refund the money. Her advice: agree on a family code word ahead of time.

CBC News, 6 June 2021. “Senior says she was tricked into spending $20K in gift-card phone scam”

Step by step, and what stops each one

  1. Could have stopped here

    Stage 02

    Her grandson’s voice: a car accident, someone hurt.

    The question only her grandson could answer, asked on the first call instead of the fifth day.

    What stops it here

    A question only the real person could answer works, but only on the first call. Better still: a family code word, agreed on beforehand, and one person you ring before paying anybody.

  2. Stage 03

    A second man, as his lawyer: “the court system has to be paid”.

    What stops it here

    No court, lawyer or police force takes payment in gift cards. A request to read card numbers over the phone is the scam, every time.

  3. Stage 04

    Gift cards, and do not tell the family in the same building.

    What stops it here

    Being told to keep it from your family is the thing to tell your family. Secrecy helps the caller, never you.

  4. Stage 05

    Ten gift-card purchases, codes read out over the phone.

    What stops it here

    Gift card codes are spent the moment they are read out. A cashier who asks about a large gift-card purchase is giving you a chance to say it out loud.

  5. Stage 06

    Five days of calls.

    What stops it here

    Five days of calls is five chances to tell someone. Any day the calls continue, tell one person before the next payment.

Do this beforehand

The calls that ended early ended the same way: a phone call to someone the scammers had not put on the line.

Jill rang a real lawyer. The woman in Manitoba rang her family. Agree now, on a calm day, who that person is for you, and that you will ring them before any money moves, whoever is asking.