Reducing Unwanted Mail to Seniors
Some senior citizens are overwhelmed by unwanted mail from bogus senders—ranging from fake foreign lotteries to scam charities to fortune tellers to chain letters and investment schemes.
Once a citizen gets on these mailing lists, it becomes very difficult to stop future mailings. This is because criminals regularly trade and sell mailing lists of citizens who they believe to be susceptible to fraud.
Avoid Mail from Scam Artists
Some of the most common scams mailed to senior citizens include the following:
A scam artist may send the citizen a letter stating that they have won a lottery. The “hitch” is that the citizen is asked to pay money in advance for supposed taxes, insurance, administrative fees, etc. Once the citizen pays this money, they never hear from the scam artist again. Remember: Foreign lotteries are always illegal in Minnesota. The Minnesota State Lottery is the only legal lottery in Minnesota.
The citizen may receive a letter stating that there are thousands of dollars in sweepstakes winnings in their name and that they should send money to learn how to collect these supposed “winnings.” Once the citizen pays the money, they never hear from the company again. Remember: You cannot win a sweepstakes you did not enter.
The citizen may receive an emotional appeal for what sounds like a worthy cause—such as helping kids with cancer or disabled veterans. The heart-wrenching appeal is designed to get the citizen to turn over their hard earned money. In fact, the charity on the other end may be a criminal seeking to take advantage of the citizen’s goodwill. Remember: If you are not familiar with a charity, check with the Minnesota Attorney General’s Office before you send it money.
Some scam artists target senior citizens with scare tactics known as “fright mail.” Fright mail is designed to scare the citizen into paying money. For example, the mail may be from a supposed “fortune teller.” The senior may be told that, if they do not pay the money, bad things will happen to them or a family member. Remember: Do not let fright mail scare you-- it’s just a faraway scam artist trying to trick you out of your money.
Tips to Avoid Losing Money to Fraudulent Mailings
Throw it Away
Once a citizen gets on mailing lists of criminals, it is very difficult to stop future mailings. While legitimate institutions usually honor a citizen’s request not to receive future mailings, criminals and scam artists do not. Writing to the scam artist asking them not to send future mailings will not do any good—and in some cases may actually result in more mailings, particularly if the request discloses that the citizen is vulnerable. The best advice is to remember that if something sounds too good to be true, it is.
If you or a loved one have become a victim of mail fraud, you should file a complaint with the United States Postal Inspector. Mail fraud statutes make it a federal crime to use the mail to further a scheme to defraud. The U.S. Postal Inspector may be reached as follows:
United States Postal Service - Consumer Affairs
100 South First Street, Room 115A
Minneapolis, MN 55401-9631
You may also file a complaint with the Minnesota Attorney General’s Office as follows:
Office of Minnesota Attorney General Lori Swanson
445 Minnesota Street, Suite 1400
St. Paul, MN 55101
(651) 296-3353 or (800) 657-3787
TTY: (651) 297-7206 or TTY: (800) 366-4812
Reducing Other Unwanted Mail
Scam artists and criminals will not honor requests to be taken off of mailing lists. Legitimate institutions, however, should honor these requests. The following are some tips to reduce mail from otherwise legitimate organizations.
Direct Marketing Association
Many companies are members of the Direct Marketing Association. The Direct Marketing Association compiles a “do not mail” list. This may reduce, but does not eliminate, the amount of mail a person receives. To put your name on the “do not mail” list, you may send your name and address along with a check or money order made out to “Direct Marketing Association” in the amount of $1.00, as follows:
Direct Marketing Association
P.O. Box 643
Carmel, NY 10512
Pre-approved Credit Offers
You may call 1-888-5-OPTOUT or go online to www.optoutprescreen.com to stop receiving preapproved credit card offers from credit card companies. Your request is good for five years. You will be required to provide your name, address, and Social Security number.
Mailing Lists of Specific Companies
You may contact specific companies with which you do business and ask them not to mail to you or to include your name on mailing lists.
Providing Assistance to Loved Ones
The Attorney General’s Office is sometimes contacted by family members who ask for tips on how to stop bogus solicitations to elderly family members, some of whom may suffer from Alzheimer’s or memory loss. Some family members have tried the following:
Offer to Sort or Pick Up Mail
Some citizens ask the U.S. Post Office to forward mail to a family member or trusted friend, who then reviews it in advance or with the senior citizen. Others have asked the post office to put a hold on mail delivery so that a friend or family member can pick it up at the post office and help sort through it.
Offer Help with Financial Affairs
Some people are dismayed to learn that family members on fixed incomes have paid hundreds or even thousands of dollars to scam artists in response to mailings. Family members usually become aware of this when they help balance the senior citizen’s checkbook or review credit card statements. Helping to balance your loved one’s checkbook may allow you to spot questionable transactions and determine if they are associated with unwanted mail. Any fraudulent activity should be promptly reported to the bank or credit card company. In some cases, it may be necessary to cancel the account.
It may be helpful to assist the senior citizen in evaluating offers they receive in the mail or on the phone from someone they don’t know. In some cases, the senior citizen may agree to set the offer aside and talk it over with a family member before paying money. The Minnesota Attorney General’s Office has free information available about scams, which may be helpful when talking to the senior citizen. If you have any doubt about the legitimacy of an offer, call the Attorney General’s Office at (651) 296-3353 or (800) 657-3787.
Reducing Unwanted Calls and Mail
The Attorney General’s Office offers the following tips for reducing telemarketing calls and unwanted mail, including placing your number on the National Do Not Call List and how to "opt out" of mailing lists.
Unwanted Credit Card Offers
Have you received unwanted credit card offers in the mail stating that you have been "preapproved" for credit or insurance? Unfortunately, federal law allows national credit bureaus to sell so called "prescreened lists" to creditors and insurance companies, who then use the information to make unsolicited offers to consumers. Keep reading to learn how to "opt out" of receiving such offers and having your information sold by the credit bureaus.
Guarding Your Privacy
Identity theft is on the rise nationwide and is helped along by lenders and creditors who are willing to grant thousands of dollars in credit in mere minutes with little or no proof of identity. This booklet will help you guard your privacy, protect your personal information and avoid identity fraud.