60岁以上人群2024年报告诈骗损失48.85亿美元：「孙子出事」、礼品卡与上门收现金如何盯上华人长者

联邦调查局（FBI）互联网犯罪投诉中心（IC3）《2024年度报告》显示，2024年60岁以上人群提交投诉147,127件，较2023年增长46%，报告损失48.85亿美元，增长43%，为各年龄段最高。其中7,500名投诉人损失超过10万美元。加州60岁以上投诉18,091件、损失832,710,048美元，双双居全国第一。本篇梳理针对长者的主要骗局类型与本站已报道的涉华人长者案件。

长者损失的构成

IC3按损失排名，60岁以上人群中投资诈骗损失18.34亿美元居首，其后为技术支持诈骗9.82亿美元、信任或恋爱诈骗3.89亿美元、企业邮箱入侵3.85亿美元、冒充政府2.08亿美元。该群体涉及加密货币的投诉33,369件，损失28.39亿美元，其中加密投资诈骗8,043件、损失16亿美元。

「孙子出事」与冒充亲属

FTC对冒充类诈骗的定义中包括「假冒求助的亲属」。本站报道：一名加拿大男子操纵「祖父母骗局」诈骗美国老年人，已在佛蒙特州伯灵顿联邦法院被判刑33个月。这类骗局以晚辈遭遇车祸、被捕等紧急事由切入，要求长者立即汇款或购买礼品卡，并要求对家人保密。

上门收现金与「取金信使」

本站报道的多起案件显示，针对长者的骗局已发展出线下取现环节：一名24岁中国籍男子孙祥波涉全美逾百万美元诈骗被捕，密歇根州一名老妇两个月内被骗近50万美元；中国公民金胜瀚充当投资诈骗「取金信使」，被判27个月，刑满后立即遣返。FBI针对华人社区的警告亦指出，冒充使领馆与警察的骗局会指示受害人电汇至中国银行账户，并提供应对银行柜员的脚本，有时还强迫受害人向亲友撒谎借钱。

礼品卡付款的官方数据

FTC数据显示，2024年以礼品卡付款的诈骗损失达2.12亿美元。加州检察长办公室在票务诈骗警示中划出付款红线：不要用礼品卡、预付借记卡、电汇或加密货币买票，「要求以这些方式付款是诈骗的强烈信号」。同一红线适用于一切自称官方或亲属的付款要求：FTC与FBI的公开警示均将礼品卡列为骗子惯用的收款方式。

官方求助与报案通道

全美老年人诈骗热线（National Elder Fraud Hotline）：1-833-372-8311（1-833-FRAUD-11），周一至周五美东时间上午10点至下午6点，提供英语、西班牙语及其他语言服务，由司法部受害人办公室运营，有专员协助报案与跟进。Eldercare Locator：1-800-677-1116，可查找本地成人保护服务（Adult Protective Services）与老年服务。网络犯罪投诉：ic3.gov；消费者诈骗举报：ReportFraud.ftc.gov；加州居民：oag.ca.gov/report；本地警察或治安官办公室亦可报案。

来源：GSM·美国

关联：加拿大男子操纵“祖父母骗局”诈骗美老年人 伯灵顿联邦法院判刑 33 个月

关联：24岁中国籍男子孙祥波涉全美逾百万美元诈骗被捕 密歇根老妇两个月被骗近50万美元

关联：中国公民金胜瀚充当投资诈骗「取金信使」被判27个月 刑满后立即遣返

关联：美国2024年诈骗报告损失125亿美元：FTC与FBI数据揭示华人社区为何成为重点目标（本系列总论）

Americans Over 60 Reported $4.885 Billion in Fraud Losses in 2024: 'Grandchild in Trouble,' Gift Cards and Cash Pickups Targeting Seniors

Victims aged 60 and over filed 147,127 complaints in 2024, up 46 percent from 2023, with reported losses of $4.885 billion, up 43 percent — the highest of any age group — according to the FBI IC3 2024 Internet Crime Report. Among them, 7,500 complainants each lost more than $100,000. California's over-60 complaints (18,091) and losses ($832,710,048) both ranked first in the nation. This article reviews the main schemes aimed at seniors and the cases involving Chinese-American elders that GSM has reported.

What seniors lost money to

By losses among the over-60 group, IC3 ranks investment fraud first at $1.834 billion, followed by tech support scams at $982 million, confidence and romance fraud at $389 million, business email compromise at $385 million, and government impersonation at $208 million. The group filed 33,369 cryptocurrency-related complaints with losses of $2.839 billion, including 8,043 crypto investment fraud complaints totaling $1.6 billion.

"Grandchild in trouble" and fake relatives

The FTC's definition of imposter scams includes criminals posing as a relative asking for help. GSM has reported that a Canadian man who ran a "grandparent scam" against US seniors was sentenced to 33 months in federal court in Burlington, Vermont. These schemes open with an emergency — a grandchild in a car crash or under arrest — and demand an immediate wire or gift card purchase, with instructions to keep it secret from family.

Cash pickups and "gold couriers"

Multiple cases reported by GSM show these scams moving offline: a 24-year-old Chinese national, Sun Xiangbo, was arrested in connection with a fraud scheme exceeding $1 million nationwide, in which a Michigan senior lost nearly $500,000 over two months; Jin Shenghan, a Chinese citizen who worked as a "gold courier" for an investment scam, was sentenced to 27 months and faces deportation immediately after serving his term. The FBI's warning to Chinese communities likewise notes that consulate and police impersonation scams direct victims to wire money to bank accounts in China, supply scripts for answering bank tellers, and sometimes coerce victims into lying to relatives to borrow money.

The official data on gift card payments

FTC data show $212 million in 2024 fraud losses paid by gift card. In a ticket-fraud alert, the California Attorney General drew a payment red line: do not buy tickets with gift cards, prepaid debit cards, wire transfers or cryptocurrency — "being asked to pay in these ways is a strong sign of a scam." The same red line applies to any payment demand from a supposed official or relative; both the FTC and FBI list gift cards among scammers' standard collection methods in their public warnings.

Official help and reporting channels

National Elder Fraud Hotline: 1-833-372-8311 (1-833-FRAUD-11), Monday to Friday, 10 a.m. to 6 p.m. Eastern, with service in English, Spanish and other languages; operated under the Justice Department's Office for Victims of Crime, with staff who assist with reporting and follow-up. Eldercare Locator: 1-800-677-1116, to find local Adult Protective Services and senior services. Internet crime complaints: ic3.gov. Consumer fraud reports: ReportFraud.ftc.gov. California residents: oag.ca.gov/report. Local police and sheriff's offices also take reports.

Source: GSM·USA

Related: Canadian Man Sentenced to 33 Months in Burlington for 'Grandparent Scam' Targeting Elderly Americans

Related: Chinese National Xiangbo Sun Arrested in Michigan Sting; Elderly Woman Lost Nearly $500,000 in Nationwide Scheme

Related: Chinese National Shenghan Jin Sentenced to 27 Months as Gold-Courier in $2.5 Million Investment Scam

Related: US Fraud Losses Reported in 2024 Hit $12.5 Billion: FTC and FBI Data Show Why Chinese Communities Are Being Targeted (series overview)

来源：GSM·美国（原文链接）

图片来源：美国司法部就老年人诈骗案件举行记者会（美国司法部官方照片，公共领域）— via Wikimedia Commons / U.S. Department of Justice press conference announcing elder-fraud enforcement actions (U.S. Department of Justice, public domain) — via Wikimedia Commons

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