Frauds and Scams

A finger pushes a Fraud Alert button on a keyboard

The Halton Regional Police Service - Financial Crimes Unit investigates frauds such as:

Seniors Crime

It is estimated that by the year 2026, more than 130,000 people over the age of 65 will reside in Halton region, the majority of whom will be living on their own or with family.

Although Halton is the safest regional municipality in Canada in which to live, work, play, and raise a family, some older adults will find themselves the targets and/or victims of crime.

The most common types of crime against seniors are:

Property crime
Financial crime
Physical crime

Property Crime

Property crime makes up nine out of 10 of crimes against older adults. It is defined as any crime where money and/or valuables are damaged or stolen from a person, home or business without direct personal contact with the victim.

Property crimes against older adults can include:

Burglary
Auto theft
Petty theft

Victims of property crime suffer financial losses and may feel violated. In some cases, victims continue to feel unsafe long after the crime has been committed.

Prevent Property Crime in Your Home

Install timers on lights so they turn on and off at certain times
Trim back hedges and bushes (especially around windows and doors) to make your home more visible from the street
Ask a neighbour to watch your property and to collect mail and newspapers left at your doorstep when you are away
Install video surveillance

Prevent Theft While Shopping

Before leaving your home to go shopping, remove any items you will not use from your wallet and/or purse. This way, if a theft occurs, a criminal will obtain less information from you.
Store all purchases in the trunk of your car to deter criminals from breaking in. Your car is safer if it appears empty.
When walking through shopping centres, keep all purchases, purses, and wallets in front of your body to reduce opportunities for theft.

Prevent Auto Theft

Always lock your car doors. This is the number one determining factor for auto theft and the most commonly forgotten precaution taken by owners.
Roll up all windows when not in your vehicle
Never leave your keys in the ignition or your vehicle running when you are not in it
Park in well-lit and attended areas
Consider installing a security or tracking system in your vehicle
For more auto theft tips, click here

Additional Tips

Plan for your future when you are well and still independent
Make a will and review it annually
Seek independent advice from someone you trust before signing any documents
Have your pension and other cheques deposited directly into your bank account
Stay active in your community and connected with family and friends. Doing so will decrease social isolation, which has been connected to elder abuse.
Ask for help from those around you (e.g. public health nurse, church, seniors centre, friends and family) when you need it

Grandson Scam

The Halton Regional Police Service (HRPS) and other police agencies frequently investigate fraudulent acts committed against seniors. The focus of this information will be on what is known as the “Grandson Scam”.

How It Works

The scam occurs over the telephone and targets the elderly
The caller identifies him/herself as the elderly victim’s grandchild, sometimes by name, or sometimes by just saying, “Hi”, or, “It’s me”
The caller will wait for the victim to respond with something to the effect of, “Oh John. Is that you?”, thereby identifying the grandson for the fraudster
It is believed that in the instances where the caller identifies him/herself by a grandson’s name without prompting, the information was obtained from published sources such as obituaries, classifieds, and social networking websites
The caller usually indicates that they have been involved in a car accident or have been arrested and charged with a criminal offence and is thus in urgent need of cash to cover legal fees
After the money is sent via a money transfer service, the fraudsters sometimes call back citing any number of reasons for requiring additional money, including, but not limited to, hospital bills and car repairs
There may be other variations to this scam

Tips to Avoid Becoming a “Grandson Scam” Victim

Ask the caller for a call back number. This gives you time to verify information. Be very suspicious if the caller refuses.
Ask the caller a personal question that only your grandchild could answer such as their date of birth
Speak to another family member about the matter before sending any money or enquire with police

Romance Scam

On a real dating site, a scammer might send you messages and an attractive photo of themselves or of someone they claim to be. They form a relationship with you and make you believe their feelings are mutual.

Once you are charmed, they will start asking you to send money. They may claim to have a very sick family member or be in a desperate situation for which they need your help. Once you give them money, they will often disappear or keep requiring additional funds.

Fraudsters can also create fake dating sites where you pay for every message you send and receive. To keep you writing back and paying, the scammer may hook you in with vague emails about their love and desire for you.

In many cases, the scammer may even arrange to meet you in person to make their fraud seem more credible.

Tips to Avoid Becoming a “Romance Scam” Victim

Never send money or give financial details on a dating site
Trust your instincts, ask questions, and carefully read the terms and conditions before signing up for a dating site
Before signing up for a dating site, ensure you know which services are free, which ones cost money, and what it takes to cancel your account
Make sure you only use legitimate and reputable dating sites. Always check website addresses carefully as scammers often mimic real web addresses
Remember that it is very unlikely that someone will declare their undying love to anyone after only a few messages, emails, phone calls, or pictures
Always protect your money first
Never send Google Play Cards and/or Bitcoin

Bitcoin Scams

In this scam, fraudsters will contact you and state that there is some sort of problem or emergency and that they require you to send them a payment using Bitcoin.

The people running these scams request these payments in Bitcoin to hide their true identity and make it harder to recover the funds.

Common scams can include:

A warrant for your arrest has been issued
You haven’t paid enough taxes
There are pending immigration fines
There are outstanding police or legal fees
“Emergency” situations
An online romantic interest starts requesting money
Requirements to claim lottery winnings, and
Deposits and/or payments on property

The Canada Revenue Agency, Immigration Canada, the Police, or Canadian Government will NEVER ASK FOR BITCOIN as a form of payment.

PROTECT YOURSELF: Never send money to anyone you have not met in person.

If you suspect you are being scammed, HANG UP THE PHONE and contact the Canadian Anti-Fraud Centre at 1-888-495-8501 or Halton Regional Police Service Financial Crimes Unit at 905-465-8741 (Monday to Friday 8:00 a.m. – 4:00 p.m.).

Bank Investigator Scam

Fraudsters call potential victims claiming to be a financial institution or a major credit card provider. The fraudsters then inform the individual that they are investigating unauthorized activity on their account and ask for their assistance in catching the criminal. By gaining remote access to the person's device or computer, the fraudsters will claim to put money into their account so that they can send bait money.

Unfortunately, the funds being deposited to the victim’s account are actually being withdrawn from their other accounts; the money sent instead goes directly to the fraudsters.

Warning Signs - How to Protect Yourself

Financial institutions will never ask for assistance from the public for internal investigations
Financial institutions will also never ask you to transfer money to an external account
Never provide remote access to your device to unknown callers
Always make sure you are alert when dealing with finances
Never provide personal or financial information over the phone unless you called your financial institution
Don’t purchase Google Play, iTunes or gift cards, or use Bitcoin for payment. These items are not legal tender. Once you share the code on a gift card, it cannot be recovered or traced.
Check your bank statement frequently and report any irregularities to your bank as soon as you notice them.

If you have been the victim of fraud, please call the Halton Regional Police Service non-emergency line at 905-825-4777, the Fraud Intake Office at 905-465-8741 or contact the Canadian Anti-Fraud Centre at 1-888-495-8501.

To learn more, visit the Canadian Anti-Fraud Centre’s website, here.

Frauds and Scams

Regardless of their age, gender, ethnicity, race, and/or marital status, confidence ("con") artists share a few things in common. They all offer deals to help you, get you something you need for a good price or even make you rich. All are linked by a shared knowledge of human nature and are adept at exploiting it to their advantage.

While each con game is unique, the Halton Regional Police Service Financial Crimes Unit has identified a few common types of cons/swindles: false lotteries, fake charities, bogus contests and vacation deals, inheritance scams, credit and debit card fraud, and identity theft.

How Con Artists/Fraudsters Get Your Information

Criminals have many sources. They might steal your wallet or personal documents left in your vehicle. They may also pilfer from mailboxes and rifle through recycling bins. Some companies have been known to make a profit by selling your information (e.g. address, name, phone number, etc.).

Criminals have been known to use false names to avoid capture by the authorities. Often, by the time someone realizes they have been a victim of fraud, the criminals have moved on to another identity or con, making them even more difficult to track.

Tips to Prevent Debit Card Fraud

Always cover the keypad when entering your Personal Identification Number (PIN) at any terminal. Doing so will not only deter criminals from defrauding you, but demonstrate that you know they are out there and that you refuse to be their victim.
Avoid using a password number linked to you such as your birthday or address
Never write your PIN on your card or on a piece of paper in your wallet. This makes it easy for criminals to access your information.
Always shred personal information, including bank or credit card statements, receipts, insurance forms, and/or physician statements

Avoid Credit Card Fraud

As credit card use on the Internet increases, so too do incidents of credit card fraud.

Always check your financial statements. Doing so will ensure you are aware of your financial situation and that you will notice if your credit has been compromised.
When expecting a new credit card or financial record through the mail, know approximately when it was mailed and when you might expect to receive it. This will help stop criminals from going through your mail and stealing information without your knowledge.

While these tips may seem basic, credit card companies report that few people actually take these simple precautions.

Internet Over-Payment Fraud

In this type of fraud, a seller posts an item(s) for sale online. A buyer contacts the seller and arrangements are made to purchase the product. The buyer then sends the seller a cashier’s cheque or money order for an amount greater than the price of the merchandise.

From here, the buyer directs the seller to cash the cheque and wire the excess funds to either the buyer or a third party. The seller, believing the cheque to be genuine, deposits it and then wires the amount of the overpayment as directed.

It is usually after the funds have been wired that the cashier’s cheque or money order is returned as counterfeit. The bank then holds the seller responsible for the amount of the fraudulent cheque, leaving the seller defrauded of both the money and the product.

Be suspicious if the cheque amount you receive is greater than the agreed upon price of the merchandise you are selling
Current technology has improved the quality of counterfeit cheques and therefore makes them more difficult to detect. Be wary if the cheque is drawn from an out-of-country bank account.
Never agree to accept a cheque for an inflated amount and to reimburse the balance
Never agree to wire bank funds to the buyer or forward the funds to a third party
Know who you are dealing with when conducting transactions over the Internet and confirm the personal information of the buyer
Do not succumb to any pressure at the hands of the buyer or feel you have to complete a transaction when you are not comfortable

Lottery Scams

The primary thing to say to yourself when contacted by someone who tells you that you are a big winner or have the chance of a lifetime is, if it sounds too good to be true, chances are, it is. If you have legitimately won a lottery, you will never have to pay anything to receive your windfall. Be very cautious when being told you have won a contest you do not recall entering. Your name may be on a list that has been sold.

Debit Card Fraud

Always protect your banking Personal Identification Number (PIN). By taking the following precautions, you can help protect yourself from this increasingly common type of fraud.

Protect Yourself from “Shoulder Surfers” and Distraction Thefts

Be mindful of your surroundings when at bank machines and paying for store-bought items
Check to see who is standing around you and how close they are. Criminals will often stay close to you while you withdraw money from ATMs or pay for items in store, looking over your shoulder to see your PIN
Be mindful as you leave the bank or the store. Notice who is approaching you and why. Criminals will often stop victims in the parking lot and engage them in some form of conversation. While speaking with/distracting them, someone else will steal their wallet or bank cards.

Take the Following Steps

Cover the keypad when entering your Personal Identification Number (PIN). Doing so will not only deter criminals from defrauding you, but demonstrate that you know they are out there and that you refuse to be their victim.
Avoid using a password number linked to you such as a birthday or address
Never write your PIN on your card or on a piece of paper in your wallet. This makes it easy for criminals to access your information.
Always shred personal information, including bank and credit card statements and receipts. Protect your PIN or use tap when possible.

If you have been the victim of fraud, please call the Halton Regional Police Service non-emergency line at 905-825-4777 or call the Fraud intake line at 905-465-8741.

Identity Theft

Identity theft occurs when someone obtains and uses another individual’s personal data in a way that involves theft or deception. Stealing or hijacking the identity of another person provides an effective means for criminals to commit fraud, impersonation, and other crimes.

By getting this information from you:

Your name
Your date of birth
Your home address
Your Social Insurance Number (SIN)

Thieves can:

Access your financial accounts
Transfer bank balances
Withdraw cash
Open new bank accounts
Apply for loans, credit cards, purchase vehicles, and - in extreme cases - take luxury vacations or sell your home

Potential Targets

Everyone is vulnerable, simply as a result of going about normal, every day activities.

Thieves’ success at stealing your identity depends on their ability to obtain your information and their knowledge of how to use it illegally.

How Thieves Get Your Information

Stealing your wallet
Stealing personal documents from your vehicle
Pilfering mail from your mailbox
Fraudulently redirecting your mail
Rifling through trash cans and recycling bins for credit card and loan applications
Tampering with automated banking machines (ATMs) and point-of-sale terminals
Compiling information from Internet-accessible records
Searching public records such as newspapers or telephone books
Buying information from a dishonest employee working for a company that keeps personal/financial information
Creating fake contests

How Stolen Information Is Used Stolen

Identity Takeovers: Someone appropriates your personal information without your knowledge.

Identification Factories: Places where thieves manipulate and alter real identification information. Advances in computer technology and in photocopiers have made it easier for thieves to steal information and create identities, while making high-quality forged identifications harder to detect.

These factories create IDs, such as credit cards, driver’s licences, and currency.

If Your Identity Is Stolen

Notify your issuing authority immediately to have your document(s) cancelled and a new one(s) issued
Complete Ontario’s new standard “Identity Theft Statement” and send it to the credit issuers and financial institutions you deal with
Contact Canada’s two national credit reporting agencies:
- Trans Canada Union: 1-877-525-3823
- Equifax Canada: 1-800-465-7166
Report the incident to the police
You may be advised to report the incident to Canadian Anti-Fraud Centre: 1-888-495-8501

Additional Tips

Be aware of your surroundings and the people you speak with when using your credit card and/or showing your identification
Keep a record of transactions to compare against monthly statements

Do You Know

The street values of every day pieces of personal identification:

Social Insurance Cards: $50

Driver’s Licences: $200

Expired Driver’s Licences: $50

Citizenship Cards: $100 - $150

Passports: $2,000

Identity Theft Form

A form to quickly notify financial institutions, credit card issuers and other companies that you have been a victim of identity theft is available online. Find it here.

Money Transfer Fraud

Money transfer scams are on the rise. Be very careful when someone offers you money to help transfer funds. Once you send money to someone, it can be very difficult - if not impossible - to get it back.

The following information is provided courtesy of the Canadian Anti-Fraud Centre.

What to Look for

Money transfer scams have been on the rise in Canada since the 1990s. Although many of these scams originated in Nigeria, similar scams have originated all over the world - particularly in parts of West Africa and Asia. These scams are increasingly referred to as advance fee fraud.

How It Works

In the classic money transfer scam, potential victims receive an email or letter asking their help to transfer a large sum of money overseas
They are offered a share of the money if they agree to give them their bank account details to help facilitate the transfer
Victims are then asked to pay numerous taxes and fees before receiving their "reward"
Individuals will never be sent any of the money and will lose the fees paid

The Inheritance Scam

In this fraud, potential victims receive a letter from a lawyer or bank representative advising that a long-lost relative has died and left a sizable inheritance
Scammers can tell such convincing stories that victims can be tricked into providing personal documents and banking details to confirm their identity and claim their "inheritance"
Like the money transfer scam, the inheritance is likely to be non-existent and, in addition to losing any money sent to the scammer in fees and taxes, victims risk having their identity stolen as well

The Overpayment Scam

If you or your business are selling products or services online or through newspaper classifieds, you may be targeted by an overpayment scam
Here, you may receive a response to your ad with a generous offer from a potential buyer, which you accept
You receive payment by cheque or money order but the amount is more than the agreed-upon price
The "buyer" may tell you that the overpayment was made in error or provide a reason (e.g. the extra money was sent to cover delivery charges)
Be suspicious if you are asked to refund the excess amount by money transfer
The scammer is hoping you will transfer the refund before you discover that the cheque or money order they sent was counterfeit
Any funds transferred as well as your item if you already sent it will be lost

Protect Yourself

Remember: If you have been approached by someone asking you to transfer money for them, it is probably a scam
Caution: Never send money, or give credit card or online account details, to anyone you do not know and trust
Think: Don’t accept a cheque or money order for payment of goods that is more than what you agreed upon. Send it back and ask the buyer to provide payment for the agreed amount before you deliver the goods or services
Investigate: Review the information on the Canadian Anti-Fraud Centre website for additional tips on how to protect yourself against money transfer scams
Ask yourself: Is it really safe to transfer money for someone I do not know?

Online Safety

Smart online usage means taking steps to avoid falling victim to online fraud, which occurs when criminals try to obtain your personal information, such as credit card and account numbers, get you to pay for items that are either non-existent or misrepresented to you and/or steal your identity.

It may also include infecting your computer with a virus.

E-mails

Do not respond to offers of money, threats of legal action, or warnings about “compromised security”
Be watchful of phishing e-mails that ask for personal or financial information
Never provide personal or financial information to anyone in an e-mail
Do not click on links in e-mails from senders you don’t know. The link may take you to a fraudulent website where you will be asked to enter your passwords or other personal information.
Be suspicious of e-mail attachments from unknown sources. If you do not know the sender of an e-mail, do not open the attachment. Attachments may contain viruses or malware designed to infiltrate and harm your computer.
Do not set your e-mail program to “auto-run” attachments. Always run your anti-virus software to check that e-mails you receive do not contain viruses.

Online Passwords

Choose unique, yet memorable passwords that you do not have to write down but that are difficult for others to guess. A combination of letters, numbers, and special characters is recommended.
Disable AutoComplete or other memorize password functions that may be available on your computer.
Do not save passwords on your computer, on the Internet, or on any software. Anyone who has access to or compromises the security of that information can potentially impersonate you.
Never disclose your passwords to anyone, especially online
Change your password at least every 90 days to help protect the security of your information

E-Commerce

Shop only from your home computer and not on public ones. It is much safer.
Deal only with reputable companies you know and do your research. Legitimate merchants will have easy-to-find information about themselves, their location, and contact numbers.
Don’t be pushed or rushed into buying an item, especially by “limited supply” or “limited time” warnings
Know what you are paying for and all costs involved. Read the terms and conditions of all contracts before buying.
Ensure the merchants you deal with online have secure transaction systems (indicated by a padlock symbol at the bottom of your browser) before providing credit card or other sensitive information
Consider using a credit card with a low credit limit or single-use payment card
Always print and save the confirmation page when completing online purchases
Monitor all bank statements and activity online. Report discrepancies to your financial institution immediately.
Never provide your Social Security Number, date of birth, or a driver’s licence number to a seller.
Clear your browser’s cache after visiting secure sites to ensure nobody else can view any confidential information you may have transmitted
Always remember that if it sounds suspicious or too good to be true, it probably is.

Viruses and Malware

Always use up-to-date anti-virus and anti-spyware software from a reputable vendor that is capable of scanning files and e-mail messages for malevolent software. Most anti-virus programs include an auto-update feature that enables the program to download profiles of new viruses so that it can check for them as soon as they are discovered.
Register new anti-virus and anti-spyware software immediately, and sign up for automatic notification of product updates, if available

Firewalls

A firewall filters information transmitted through your Internet connection to your computer, permitting communication only with sources you know and trust. It helps prevent unauthorized access, protecting your home network and family from potential hackers and offensive websites.

Restrict traffic that travels through your firewall by only granting access to those programs and/or traffic that you are familiar with
Disable the File Sharing feature if you do not share files or documents with other computers on your network. Doing so will prevent others from being able to download or view your files or documents.

Protect your Privacy

Protecting your personal privacy is of vital importance in an age where incidents of identity theft are on the rise.

The following tips are designed to help you avoid becoming a victim of privacy crime.

Documents and Mail

Keep all receipts and reconcile them with your statements
Ensure that all items containing personal information, such as credit card applications, charge receipts, insurance forms, bank statements, and physician reports are shredded and safely disposed of
Never leave receipts in bank machines, bank wickets, trash cans, or at gasoline pumps
Pay close attention to billing and mailing cycles
Put outgoing mail in post office collection boxes
Remove mail from your mailbox promptly upon delivery
If you are going to be away from home, ask a trusted friend or neighbour to retrieve your mail or activate a "hold mail" service with Canada Post
Avoid mail solicitations disguised as promotions that request personal information

Identification, Credit and Credit Cards

Photocopy the contents of your wallet
Don’t carry your birth certificate or a photocopy of it in your wallet or purse
Never keep a record of your passwords or Social Insurance Number (SIN) in your wallet or handbag
Never leave personal identification and/or credit cards in your vehicle
Disclose your SIN only when necessary
Carry only the credit cards and identification you actually need
Cancel credit cards you no longer use and keep a list of ones you do
Lower the limits on existing credit cards so that thieves can’t steal large amounts of cash
If you lose your credit card(s), notify your creditors immediately and request that a fraud alert be placed on your file
Never disclose credit card or banking information over the phone, unless you initiated the call or know who you are dealing with
Beware of phone solicitations asking for personal details
Periodically check your credit report

Passwords

When creating passwords and personal identification numbers (PINs), avoid using your birth date, a series of consecutive numbers, or digits others may know are important to you
Choose difficult passwords and change them periodically
Ask that your accounts require passwords before any inquiries and/or changes can be made

Miscellaneous

Arrange to have cheques picked up at your bank branch
Don’t have your full name printed on your cheques. Use your first initial to prevent would-be thieves from knowing your full name.

Protect Your Purse

It takes only seconds for a thief to steal your wallet or purse and a moment’s distraction can cause you weeks of stress.

Follow these safety tips to reduce the chance or your property becoming a target.

Protect Your Purse

Leave your SIN card, passport, and birth certificate at home
Keep your handbag with you at all times
Never leave your purse or wallet unattended
Keep purse zippers or snaps closed
Be extra vigilant in crowded locations
Keep your wallet at the bottom of your bag
Never write down and keep PIN codes or passwords in your purse or wallet
Have a different PIN for each credit/debit card
Avoid carrying large amounts of money
Bring only what you need. Don’t carry extra cards or cash with you.
Don’t get distracted. Thieves often work in teams to distract you so they can steal your purse or wallet.
Be aware of your surroundings. Report any suspicious activity to police.

To report a stolen purse or wallet, contact the Halton Regional Police Service at 905-825-4777. You can also file an online report at haltonpolice.ca. Remember to promptly inform your bank and credit card company of all lost or stolen cards and, if your cellphone is stolen, to contact your service provider.

To request an Older Adult Crime Prevention brochure, please email corpcomm@haltonpolice.ca

Frequently Asked Questions

I think someone tried to scam me, but it didn't work. Do I need to report it to police?

If you have received a fraudulent phone call/email/communication and have not provided any personal information or lost any money, please contact the Canadian Anti-Fraud Centre at 1-888-495-8501 to file a report for statistical purposes.

I'm a victim of fraud. What should I do?

If you're a victim of fraud and have provided personal information and/or lost money:

Stay calm. Gather all information about the fraud, including documents, receipts, and/or copies of emails and/or text messages.
Place flags on all of your accounts
Change all of your passwords
Report the fraud to both credit bureaus (Equifax and TransUnion)
Contact the HRPS Fraud Intake Office by dialling 905-465-8741 (Monday to Friday 8:00 a.m. – 4:00 p.m.), or calling 905-825-4777
Report the incident to the Canadian Anti-Fraud Centre toll-free at 1-888-495-8501
Depending on the type of fraud, or how it occurred, you'll also want to report it to other organizations

The HRPS does not accept fraud reports through online reporting or via email.

How do I protect myself from future fraud?

Scammers often target victims of fraud a second or third time with the promise of recovering money. Always do your due diligence and never send recovery money.

Share any updates with the Canadian Anti-Fraud Centre, your financial institutions, and police.

Tell family, friends, neighbours, and co-workers about your experience. You may prevent someone else from becoming a victim.

Additional Resources

For other resources or reporting options, please visit the websites listed below.