The elderly, the uninformed, the uneducated and the desperate are the most vulnerable to scams.
Since becoming a senior, the number of scam calls and emails I get has increased tenfold. Just the other day, I deleted 40 likely spam calls on my landline over the course of three days. If you're a legit identifiable caller, leave me a message because I almost never answer the phone. Lately, my cell spam calls have increased. I encourage friends and business associates to text me.
Email: Your Bank of America account has been frozen..... I don't have an account with Bank of America.