Ohio Steps Up to Combat Romance Scams Targeting Seniors

Romance scams are among the most heartbreaking forms of financial exploitation facing older adults. Scammers create fake online relationships, build emotional trust over weeks or months, and then extract money, often under the guise of a crisis, medical emergency, or travel need. The damage is both financial and deeply personal.  According to the FBI, Americans age 60 and older reported losing $584 million to romance scams in 2025 alone, a 50% increase from the prior year. Experts believe the true figure is significantly higher because many victims are too embarrassed to report the crime.

Ohio’s ResponseOhio is taking this threat seriously. In June 2026, Attorney General Andy Wilson announced the Romance Impostor Scams Forensic Initiative during the state’s World Elder Abuse Awareness Day Conference. The initiative formally launched on July 23, 2026.This effort is part of the broader work of the Ohio Attorney General’s Office and the Ohio Elder Abuse Commission to protect seniors from abuse, neglect, and financial exploitation. Key components include:

• A dedicated hotline — 1-855-961-SCAM — for victims and concerned family members to report suspected romance scams
• Enhanced digital forensics support through the Ohio Bureau of Criminal Investigation (BCI)
• Improved information sharing across jurisdictions to identify patterns and networks of scammers
• Educational resources and guidance for victims and their families to help stop further losses

The Attorney General’s Office has also published practical materials, including flyers and palm cards that help seniors and their families recognize the warning signs of a romance scam and know when to act immediately.

Protecting Trust and Dignity

Romance scams exploit loneliness and the natural human desire for connection. They are particularly devastating because they attack both a person’s finances and their dignity. By creating a specialized forensic initiative, a clear reporting channel, and public education tools, Ohio is sending a strong message: these crimes will not be ignored, and seniors and their families will not be left to face them alone.

We commend the Ohio Attorney General’s Office for prioritizing this issue and for equipping older Ohioans and their loved ones with concrete tools to recognize and report these schemes. Education and early intervention remain among the most effective defenses.  

If you or someone you care about may be involved in a suspicious online relationship that has turned to requests for money, do not wait. Call the Ohio hotline at 1-855-961-SCAM or visit the Attorney General’s romance scam resource page for guidance.  Protecting the ability of older adults to age in place safely includes protecting them from those who would exploit their trust. Ohio’s new initiative is a meaningful step in that direction.

Ohio Department of Aging Warns of Scam Calls Targeting Golden Buckeye Participants

The Ohio Department of Aging (AGE) is alerting Ohioans to reports of a phone scam in which individuals falsely claim to represent the Golden Buckeye program.

Residents have reported receiving unsolicited calls from scammers seeking personal information, including protected data such as Social Security numbers. These calls are not from the Ohio Department of Aging.

“This is a phishing attempt. Do not share your personal information with anyone who contacts you claiming to be from the Golden Buckeye program,” said AGE Director Ursel J. McElroy. “The Golden Buckeye program will never call, text, or email you to request personal or financial information.”

Ohioans can report scam attempts to the Federal Trade Commission or to the Ohio Attorney General's Office.  Anyone who believes they may have been a victim of this scam should contact their local law enforcement agency.

A Victory for Seniors: Court Lets Elder Abuse Claim Against Wells Fargo Move Forward

In a decision that offers real hope to families fighting elder financial exploitation, a federal district court in California has allowed an 87-year-old woman’s lawsuit against Wells Fargo to proceed, ruling that she adequately alleged the bank assisted in a massive scam by ignoring clear red flags its own employees were trained to spot. The case, Atkins v. Wells Fargo National Association (N.D. Cal. Dec. 22, 2025), is a powerful reminder that banks can be held accountable when they fail to protect vulnerable customers from fraud, even when the scammer impersonates the bank itself.

For readers of the Aging-in-Place Planning and Elderlaw Blog, this ruling is good news: It opens a meaningful avenue of recovery for seniors and families when financial institutions drop the ball, and it may push banks to strengthen fraud prevention, something we’ve long advocated for in articles like “2025 ABA Survey on State Elder Financial Exploitation Laws: Balancing Protection with Autonomy for Seniors Aging in Place.” The Facts: A Classic Scam Meets a Bank’s Failure to Act
Lavonne Atkins, 87, suffered from hearing loss and cognitive decline. In July 2024, her computer screen flashed a blue warning: her identity had been stolen. A man named “Mike Dawson” called, claiming to be from Wells Fargo, and convinced her that her accounts were at risk. He sent an “official” letter authorizing himself to act on her behalf.
Over the next weeks, Lavonne made multiple large cash withdrawals, $17,000 in one day across branches, then eight more trips pulling $30,000 each time, totaling $257,000 in cash she handed to young men outside her apartment. Later, she transferred $425,000 from Charles Schwab to Wells Fargo at the scammer’s direction. One teller, suspecting fraud, limited a withdrawal to $5,000, but most others processed the full amounts despite red flags the bank trained them to recognize: an elderly person making sudden, large cash requests inconsistent with her history, talking on the phone during transactions, and giving dubious explanations.
In August 2024, Lavonne tried to buy a $99,000 bank draft. That time, employees contacted law enforcement, who intercepted the check and returned it, showing the bank could act when it chose to.  Lavonne sued Wells Fargo in May 2025 under California’s Elder Abuse and Dependent Adult Civil Protection Act and unfair competition law. Wells Fargo moved to dismiss, arguing it had no actual knowledge of the scam and didn’t assist the fraud.The Court’s Ruling: Banks Can Be Liable for Ignoring Red Flags
The court denied the motion to dismiss, allowing both claims to proceed. Key holdings:

• Financial Elder Abuse: California law holds liable anyone who “assists” in taking an elder’s property when they knew or should have known the conduct was harmful. Lavonne alleged multiple red flags (large, sudden cash withdrawals inconsistent with her history, phone use during transactions, dubious reasons), flags Wells Fargo employees were trained to spot. One teller’s refusal to process the full amount showed the bank could recognize fraud. The court ruled these allegations sufficient to plead actual knowledge of the scam.
• Unfair Conduct: The claim survived because it was based on the same facts as the elder abuse claim; Wells Fargo’s processing of suspicious withdrawals caused Lavonne’s $257,000 loss while generating overdraft fees for the bank.

The decision is positive and practical: It gives victims and families a real path to hold banks accountable when they ignore obvious fraud indicators.Why This Case Matters for Seniors and Families
Elder financial abuse costs seniors billions yearly; the FTC reports $3.4 billion in losses in 2024 alone, with many cases involving impersonation scams like Lavonne’s. Banks often claim “we didn’t know,” but this ruling says: If you’re trained to spot red flags and still process suspicious transactions, you may be liable.
For aging-in-place families, this is empowering:

• Accountability: Negligent banks can be sued for facilitating fraud, potentially recovering losses.
• Incentive for Change: If cases like Atkins proliferate, banks may push harder for “Hold Laws” (temporary holds on suspicious transactions), a reform we’ve discussed in our article about the 2025 ABA Survey on State Elder Financial Exploitation Laws, which shows growing support for such prophylactic measures, with 18 states already authorizing short-term holds on suspected fraud.
• Stronger Protection: Families can now point to this case when demanding banks freeze suspicious activity.

Practical Steps: How to Protect Yourself and Your Loved Ones

1. Trusts for Asset Protection: Revocable trusts keep assets private and harder to access fraudulently; MAPTs shield funds while qualifying for HCBS.
2. Add Trusted Contacts: Every bank account that is not in a trust should have a family member as a “trusted contact” (required under SEC rules since 2018). Banks must notify them if fraud is suspected.
3. Request Transaction Holds: Ask your bank to flag unusual activity (large cash withdrawals, new payees) and require verbal confirmation.
4. Use Fraud Alerts: Set up alerts for transactions over $1,000 or out-of-pattern activity.
5. SDM & Powers of Attorney: Name supporters in an SDM agreement or durable GDPOA to monitor accounts and intervene early.

Conclusion: A Step Toward AccountabilityAtkins v. Wells Fargo is a victory for seniors: Banks can be held responsible when they ignore trained red flags. While this article has provided a thorough overview of the case and practical steps, it is by no means comprehensive. Laws and bank policies evolve rapidly. Readers must remain vigilant and consult elder law attorneys when evaluating risks. By combining awareness with planning, including trusts, families can safeguard independence and thrive while aging in place. For support, consult a professional.  Your security depends on proactive engagement.