Fraud Schemes Targeting Older Adults: Senate Aging Committee Sounds Alarm

Published in RINewsToday on July 21, 2025

“Congratulations! We are pleased to inform you that you are one of our lucky winners,” read the letter.

The official-looking correspondence—purportedly from the desk of the Vice President, International Promotions/Prize Award Department of Publishers Clearing House (PCH)—continued:

“On behalf of the members and staff of PCH, the Association of North America Lottery, and Provincial Sweepstakes, we sincerely congratulate you on your grand prize winnings of $750,000… Please contact your claims agent to arrange method of payment.”

Enclosed was a check, appearing legitimate, allegedly issued by Northern Fairfield Insurance (NFI) of Danbury, Connecticut, from a Webster Bank account, in the amount of $9,700.65.

According to the letter, the check was intended to help cover taxes, handling, and processing fees related to the prize.

Northern Fairfield Insurance, established in 1998, is a small firm with just three employees, including its owner, Jim Ostrove. Nearly two weeks ago, Ostrove began receiving calls—mine among them—asking whether the PCH letter and enclosed check were legitimate.

“The volume has tapered off by the day,” he admits, noting that “we’re no longer receiving any calls.”

A quick call to NFI confirmed my suspicions: the letter, marked “Confidential,” was a scam. In conversation with Ostrove, he said, “I felt violated and angry.”

Concerned, Ostrove contacted Webster Bank—the financial institution listed on the counterfeit check—to confirm that no account had been set up in his company’s name. The bank quickly verified this, noting that the check’s routing number was invalid and had no connection to a legitimate account. “Looking closely at the PCH check, I also realized that the name of my insurance company was misspelled,” Ostrove added.

Ostrove says the bank’s fraud unit was very helpful and confirmed the check was fake. His concerns about any potential financial fallout for his business were eased, he says.

Although Ostrove filed a police report, he had no real expectation that the scammers would be caught. “I just wanted the report on file in case someone came forward about the reward and tried to hold me financially responsible,” he said.

“My report made it very clear that I was a victim of fraud,” he emphasized.

According to the Federal Trade Commission, victims reported nearly $350 million in losses to prize, sweepstakes, and lottery-related scams in 2024.

Like me, the Better Business Bureau estimates that tens of thousands of individuals will receive similar scam mailings in 2025—complete with fake prize notifications, counterfeit checks, and fraudulent requests for payment or personal information. The actual number of victims may be much higher, as many incidents go unreported.

Senate Aging Committee Puts a Spotlight on Scams and Financial Exploitation

On Feb. 12, 2016, the U.S. Senate Special Committee on Aging announced the publication of its first full-year Fraud Book,” Protecting Older Americans Against Fraud, covering the period from January 1 to December 31, 2015. These annual reports aim to raise awareness about the growing number of fraud schemes targeting older Americans and provide specific recommendations to combat them.

The latest, published just recently, is a 40-page multi-language annual report, Age of Fraud: Scams Facing Our Nation’s Seniors (Report No. 119-35 of the 119th Congress), and was released on July 10, 2025. It highlights the many forms of fraud—including grandparent scams, tech support fraud, financial service scams, travel and timeshare fraud, romance scams, and government impersonation schemes.

“These schemes often target emotional vulnerabilities, particularly among seniors facing loneliness, isolation, or depression,” note Chairman Rick Scott (R-Florida) and Ranking Member Kirsten Gillibrand (D-New York) in a statement announcing the newly released report.

The 2025 bipartisan report outlines the growing financial threats facing aging Americans and ways for seniors to identify red flags that provide warnings of scams, suggests practical tips on how to protect themselves, and how to report scams. This year’s edition underscores the alarming rise in sophisticated schemes, particularly those utilizing artificial intelligence (AI). In 2024 alone, fraud and scams cost seniors over $4.8 billion, with those aged 50–59 losing an additional $2.5 billion.

“Across our nation, older Americans are being targeted every day by increasingly sophisticated scams that rob them not only of their hard-earned savings but also of their security and peace of mind. These attacks are personal, and they are unacceptable,” says Scott, stressing that fighting fraud against older Americans will remain a top priority for the Committee.

“Through critical initiatives like National Slam the Scam Day and our toll-free Fraud Hotline, we are expanding access to education, prevention tools, and direct support to empower families to recognize fraud and respond quickly,” he says.

“This report shines a direct light on the scale and severity of the threat we’re facing, and we must be united in our determination to stay vigilant, informed, and proactive in defending our seniors,” adds Scott.

Gillibrand adds, “We must do everything we can to prevent and fight back against these scams, and that starts with monitoring fraud whenever and wherever it occurs. As Ranking Member of the Senate Aging Committee, I’m committed to continuing the fight against fraud, and I hope this Fraud Book is a valuable resource for our aging communities.”

The report serves as a significant wake-up call to Congress. Fraud continues to skyrocket, notes the Committee. Citing FBI data, 2024 was a record year for losses reported to the Internet Crime Complaint Center, totaling a staggering $16.6 billion. There were 859,532 complaints that year—and over 4.2 million complaints over the past five years.

The report also emphasizes that fraud targeting older adults is growing in both complexity and financial impact, making enhanced awareness, education, and robust support systems more critical than ever.

 According to the FBI, from 2023 to 2024:

  • Overall losses increased 33%, mostly due to fraud.
  • Average loss for those age 60 and older rose to $83,000.
  • Reports for this age group increased by 43%.
  • Cryptocurrency-related losses rose by 66%.
  • Complaints involving cryptocurrency kiosks increased by 99%.

To safeguard aging Americans from fraud, scams, and financial exploitation, the Senate Aging Committee has led two bipartisan efforts: one resolution designating March 6, 2025, as National Slam the Scam Day to raise awareness and educate the public about fraud prevention, and another recognizing May 2025 as Older Americans Month. Both efforts aim to inform and protect older adults while reinforcing the committee’s commitment to combating fraud through public education, legislative action, and advocacy for stronger safeguards—ensuring seniors can enjoy their golden years with greater security and peace of mind.

From the Ocean State

According to the 2025 Fraud Report, the Federal Trade Commission reported 11,776 complaints were filed in Rhode Island in 2024.

“Our team tracks patterns of scams reported to us throughout the year,” says Timothy M. Rondeau, Communications Director for the Rhode Island Office of the Attorney General. “This year, we’ve continued to see a wide range of fraudulent actors deceiving Rhode Islanders through romance scams, imposter scams, and scams involving cryptocurrency.”

According to Rondeau, while new scams aren’t necessarily emerging, the tools and methods used are evolving. “AI tools are increasingly used in imposter and romance scams, where AI-generated voices and videos deceive and manipulate victims,” he explains. “While we can’t always confirm AI involvement in each case, we know the use of AI makes it much harder—especially for older adults—to distinguish between real and fraudulent interactions.”

For more information about common scams or to file a complaint, Rhode Islanders can visit: riag.ri.gov/scams

If you or someone you know has been a victim—or suspects they’ve been targeted—please call the Senate Aging Committee’s Fraud Hotline at 1-855-303-9470 (open weekdays from 9 a.m. to 5 p.m. Eastern Time). If you’d like a member of the committee’s team to return your inquiry, please include your phone number in the web form.

Go here to read the Senate Aging Committees 2025 Fraud Report,

The US Dept. of Justice released this information in recognition of Elder Abuse Awareness Day – The Justice Department Highlights Enforcement Efforts Protecting Older Americans from Transnational Fraud Schemes in Recognition of 2025 World Elder Abuse Awareness Day contains specific information on each type of fraud and what the US Government is doing to shut it down.

AARP offers  Tips on Protecting Yourself Against Fraud.

AARP also has a Fraud Watch Network.

The Cowsills to Play the City’s Slater Park Fall Fest

Published August 9, 2013, Pawtucket Times

Some may think that the American musical sensation, The Cowsills, coming to the City of Pawtucket to jam, is as likely as a lightening bolt striking the same person twice. For one of the most successful family musical acts of the 1960s, this pop and rock ‘n roll group who came from Newport, was recently honored at the RI Music Hall of Fame and they are coming back to Pawtucket.

It was obvious to Slater Park Fall Fest organizer, Patty Zacks, that this would be a perfect match for Slater Park. When she watched the Cowsills perform at their April 28th ceremony at The Met, as they were inducted by the Pawtucket-based Rhode Island Music hall of Fame (RIMHOF), that this was a group she needed to present to her Event Planning Committee as a consideration for the Slater Park Fall Festival. The four surviving members (Paul, Bob, John and Susan, including two of their children) brought the house down at the Met, bringing back memories to the aging baby boomers surrounding the stage who danced and swayed to the familiar music they listened to more than four decades ago.

With the decision to book them for the Slater Park Fall Festival, the Comfort Inn, Hope Global, Lens Hotdog Haven, TD Bank, Tunstall Health Care, Webster Bank, all came to the plate to cover the costs of booking America’s musical family.

On September 22, 2013, the Cowills will open for the Pawtucket Teachers’ Alliance Pops in the Park concert, beginning their 80 minute set at 3:30 p.m, concluding at 5:00 p.m. (In case of rain look for their performance to take place same date and time at Tolman High School.)

During their opening act the Cowsills will play tribute to the decade of the 60s. While playing their own hit tunes, that will also play scores in tribute to their two deceased brothers Bill and Barry. Look for songs of the Partridge Family and other great songs musical hits from the 60s to be played.

Coming Home Last April

Looking back, Bob Cowsill says being inducted into the RIMHOF was just a blast. “It was such an uplifting, positive experience,” he said. “We had friends and relatives in the audience and it was very special for us to have them there,” especially seeing our fans.

As to the honor of receiving RIMHOF’s prestigious recognition, “When your home state comes calling and wants to recognize something that you accomplished in your life, well it does not get better than that”, notes Cowsill..

Cowsill actually had heard about the upcoming Pawtucket Arts Festival, noting that “we had great hope that we would return to perform. It is the same way a baseball team prefers to “play at home” that’s sort of what if felt like coming back to Pawtucket, a home where there would be many family members and friends scattered throughout the audience, he noted.

The Rhode Island Years

The Cowsills grew up just an hour’s drive from Pawtucket, on Aquidneck Island, where their names are still carved into a tree on the family homestead. The band was founded by four of the Cowsill brothers (Bill, Bob, Barry and John) in 1965. Within two years, it would encompass the entire family, with brother Paul, sister Susan, and their mother, Barbara (called “Mini-Mom” by her children) coming on board. Their father, Bud, became their manager. (Bob’s twin brother Richard is the only sibling who never joined the band.)

The Cowsills later became the creative inspiration behind the 1970’s television show, The Partridge Family, still in syndication today. In 1969, a twenty-something Michael Eisner, who would later become Disney’s CEO, came to visit the Cowsills’s at their home in Santa Monica, California. “He checked us out and quickly realized we were just musicians not actors,” Cowsill remembers. Wes Ferrell and Tony Romeo who wrote “Indian Lake” for the Cowsills would ultimately pen “I Think I Love You” for the Partridge Family theme song,

Even with the Cowsills not getting a central casting call to act in the upcoming television series, the Partridge Family, “the family angle just continued to evolve,” says Bob, stressing that it should not be considered “premeditated.” When it became difficult to interest musicians on Aquidneck Island to join the fledgling band, Cowsill notes that it became obvious that the younger siblings were the answer to filling the empty slots.

He notes that the group’s first big career break in 1964 came after playing in the basement disco of the MK Hotel, 38 Bellevue Ave., in Newport. From this performance came an invitation to play on the Today Show. Their 20 minute performance caught the attention of singer Johnny Cash and the group signed their first recording contract with his JODA Records label, releasing their first single, “All I Really Want To Be Is Me,” in 1965.

Taking on Simon and Garfunkel

Cowsill recalls how his group’s first single was pitted against “The Sound of Silence” on a WPRO radio contest. When the votes were tabulated, the Newport band “won by a landside,” with their family and friend’s overwhelming the switch board with their votes. Over forty five years later, he still laughs when remembering the Cowsills’ victory over America’s most recognizable musical duo, Simon and Garfunkel.

From the late ’60s into the early ’70s, the Cowsills appeared on many popular television shows, among them: The Ed Sullivan Show, American Bandstand, The Tonight Show starring Johnny Carson, the Mike Douglas Show, and the Johnny Cash Show. They even hosted their own NBC TV special called “A Family Thing.”

Cowsill remembers singing with Johnny Cash, especially the spiritual tunes sung by the great Country Western singer. He says that getting booked on The Ed Sullivan Show was like climbing to the proverbial mountain top. “It was live television back then. If you goofed up, you goofed up. There is a lot of pressure with the whole country watching you,” he says.

“Bewilderment,” says Cowsill, thinking about his two performances on The Ed Sullivan Show. The group had contracted to appear ten times which would have put them on Sunday’s most popular show more times than The Beatles. But a fiasco over a microphone that was accidentally turned off between Sullivan’s son-in-law and Bud Cowsill resulted in the cancellation of the remaining eight shows, he said. “Dad was just a hot head, he just crossed the line one too many times. In this situation it just cost us appearing on eight Ed Sullivan Shows.”

Before the young Cowsills had their first hit record, they were hired as one of the headliners, along with Ray Charles, Stevie Wonder, The Byrds and The Beach Boys (all Rock and Roll Hall of Fame inductees) for Soundblast ’66 at Yankee Stadium in New York. “We were in pop wonderland. It was just unbelievable. Somehow, my father worked magic and got us to Yankee Stadium for this show. We were not famous at the time but apparently good enough to play for the crowd.”

“I still can’t believe we got this gig,” the aging Cowsill said. “I am 16 years old and playing in Yankee Stadium with these nationally recognized musical groups. At sound check, he and his brother Paul sat on a bench in the dugout just watching everything. “My jaw must have dragged on the floor,” he said. .

A Gold Record to Remember

In 1967, the Cowsills first MGM release, “The Rain, The Park & Other Things,” sold over one million copies and was awarded a gold record. This song would ultimately reach No. 2 on the Billboard Hot 100 and No. 1 in Cash Box and Record World.

One year later, the band scored another near million-selling hit with the song “Indian Lake,” reaching No. 10 on the charts and in 1968, the band hit No. 1 again with their version of “Hair,” a three-million seller which brought them a nomination for 16 Magazine’s Best Group of 1970. “Hair” was banned from Armed Forces radio in Viet Nam for being too controversial, noted Cowsill, stating that “we were amused at the time because our brother, Richard, who was in Vietnam reported back that they were playing it everywhere!”

The Cowsills would become spokespersons for the American Dairy Assn. (ADA) with their “Milk Song” appearing in commercials and their images in print ads promoting milk. The group would be referenced in trivia game questions and twice on David Letterman’s Top Ten List.

In 1969, The Cowsills became the first rock group to record a theme for a television show, “Love American Style.” Their melodic sound has also been featured in movies such as “The Impossible Years” and “Dumb and Dumber” and other TV shows including “The Wonder Years” and “The Simpsons.”

Recently, a feature-length film, “Family Band – The Story of The Cowsills,” which documents the rise and fall of the group was featured on cable TV in March, running for five months. The Showtime documentary took eight years to produce. “The strength of the move comes from the story line itself,” Cowsill said, stressing that it drove the hour and a half documentary. Many of the viewers saw their families in his family’s drama, he said.

Today, Cowsill and his siblings John, Susan and Paul, plus two of the band member’s sons, continue to play concerts across the country at casinos, fairs and music festivals, and this year on Sunday, September 22 at 3:30pm – they will perform for us at Slater Park. For more than 27 years, the sixty-three year old musician has been playing at Pickwick’s Pub in Woodland Hills, California, every Friday night, once again performing the songs of the Beatles and The Byrds. During the day, Bob Cowsill coordinates medical conferences across the country, providing medical coding services to emergency departments, and assists in developing and installing software for use in emergency rooms.

For more information about the Cowsills, to leave a message on the group’s guestbook, or to sign a petition to get them into the Rock and Roll Hall of Fame, visit: http://www.cowsill.com.