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Grandparent and family-emergency scams
A call or text says a child or grandchild is in a crash, in jail, or in trouble. They want secrecy and a fast payment. Hang up. Call the family member on a number you already have / not the number in the message.
First-hour steps
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Verify with a known number before you send anything.
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Do not wire money, buy gift cards, or drop cash with a courier.
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If money already left, call the bank and file police + FTC + IC3.
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