Scam artists target older Americans online, thinking they’re easy prey — like one 73-year-old woman in Delhi Township, Ohio, who handed over $42,000 in bitcoin in an online scam.

But that’s how the story begins. It’s not how it ends.

Don’t miss

• I’m 49 years old and have nothing saved for retirement — what should I do? Don’t panic. Here are 5 of the easiest ways you can catch up (and fast)
• Gain potential quarterly income through this $1B private real estate fund — even if you’re not a millionaire. Here’s how to get started with as little as $10
• Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don’t have to deal with tenants or fix freezers. Here’s how

A growing number of people are onto the scammers’ techniques — including that same woman, local police and the Ohio Bureau of Criminal Investigation, which has a dedicated unit to deal with cybercrime.

She teamed up with authorities to recover $34,000 of the $42,000 she lost.

“Being able to help somebody get through their retirement years by recovering some of their hard-earned savings back to them is the biggest win ever,” Supervisory Special Agent Scott Stranahan told WKRC.

Here’s what happened to this woman and what was critical to getting her money back.

Fast action halts cryptocurrency con job

The scammers followed an increasingly familiar playbook: posing as a legitimate organization and using fear and a sense of urgency to get a victim to hand over cash.

In August 2024, con artists sent the Ohio woman a fake Microsoft pop-up on her computer warning that her computer had been hacked. The pop-up included a number to call.

“They’re very convincing when they get you on the phone," Stranahan said of the imposters.

Read more: Car insurance premiums could spike 8% by the end of 2025 — thanks to tariffs on car imports and auto parts from Canada and Mexico. But here’s how 2 minutes can save you hundreds of dollars right now

When the woman called, an imposter told her she’d reached the Microsoft hotline and they could fix her computer, but it would cost $42,000 and that she needed to convert her cash into bitcoin and send it in multiple online transactions.

She followed instructions, but as soon as she realized she’d been duped, she contacted Delhi police who immediately contacted the Electronic Financial Investigations Unit at the Ohio Bureau of Criminal Investigations.

Stranahan said there’s a misconception that it’s impossible to trace bitcoin, but investigators can track and cancel bitcoin transactions with enough lead time. In this case, they were able to freeze 81% of the transactions, recovering $34,000 of the woman’s money.

Everyone’s fast action — including the victim’s — was critical.

How to avoid falling for ‘Tech Support’ scams

‘Tech Support’ scams are so common that Microsoft has posted these tips:

• Microsoft will not send phone numbers with legitimate error messages
• Microsoft will not tell you that there is a problem with your computer without you first reaching out for help.
• If you see a questionable ‘Tech Support’ pop-up on your computer, close your browser (press ALT+F4 if you’re unable to use your mouse) or restart your computer.
• If you receive a call about problems with your computer, hang up.
• Report a technical support scam to Microsoft.

Stranahan warns people to beware of calls from anyone claiming to be a service provider or a law enforcement officer and offers these tips:

• Don’t feel pressured to act right away, even if the person or message sounds urgent.
• Don’t share your personal information and refuse any request for money, especially if you’re asked to convert money into gift cards or bitcoin, both of which can be hard to trace.
• Ask the person who called you for their supervisor’s name and a local callback number. A scammer won’t want to provide that information. If that’s the case, hang up or delete the message immediately.
• Call a trusted friend or family member and tell them about what happened to you to help confirm whether you’ve been targeted for a scam.

If you do fall prey to an online scam, reporting it is essential — not just to protect yourself but others. In addition to police, consider reporting the crime via the Federal Trade Commission’s website Reportfraud.ftc.gov or by calling 877-382-4357.

What to read next

• Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it
• Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?
• There’s a 60% chance of a recession hitting the American economy this year — protect your retirement savings with these essential money moves ASAP (most of which you can complete in just minutes)

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.