TNEJC veteran safety resource

Protect the benefits and identity you earned.

Criminals target veterans, spouses, caregivers and survivors with fake grants, benefit notices, claims help, loan offers and trusted-looking military connections.

With respect for all who served

Original tribute illustration representing service across land, sea, air, space and coastal missionsOriginal TNEJC tribute artwork. No federal or military-service endorsement is implied.
Stop before responding:VA does not charge to process a claim, demand gift cards or cryptocurrency, or ask you to send passwords and bank information through an unexpected message.
Current watch - October 2026

Two recent VA warnings.

Both approaches use official-looking language and urgency to move a veteran away from independent verification.

AI / deepfake social post

Fake “Veterans & Retired Seniors Grant Program”

VA warned in October 2026 that a Facebook post used AI-generated content and the appearance of government sponsorship to collect direct-deposit information. Veterans who responded had benefits redirected.

Do not provide bank information through a social-media post or message. Confirm any benefit through VA.gov or 1-800-827-1000.Read the official VA warning
Unsolicited postcard

Fake “Veterans Savings Program”

VA warned in 2026 about postcards promising extra VA benefits or CHAMPVA, TRICARE and dental coverage regardless of disability rating. The mailing pressures recipients to call an unverified number quickly.

Do not call the number on a surprise postcard. Verify independently with VA at 1-800-827-1000.Read the official VA warning
$419 millionreported consumer-fraud losses among military retirees and veterans in 2024
78,913fraud reports from military retirees and veterans
30%of those reports indicated a financial loss
Source: FTC Consumer Sentinel Network Data Book 2024
Know the approach

Six recurring threats to veterans and families.

The story may change. The pressure, secrecy, impersonation and requests for money or account access are the warning signs.

01

Claims predators

Unaccredited companies promise a guaranteed disability rating, faster processing or “special access.” They may demand large fees, a percentage of future benefits or a signature on blank forms.

Safe responseFile directly through VA.gov or use a VA-accredited VSO, attorney or claims agent. No one should charge to file an initial claim.
02

Benefit-payment redirection

A criminal obtains personal information, takes over an account and changes the bank destination for VA benefits. A missing deposit or unexpected direct-deposit notice may be the first warning.

Safe responseCall VA immediately at 1-800-827-1000. Secure email and banking accounts, then review recent changes.
03

Phishing and VA impersonation

Emails, texts or calls claim benefits will be suspended, a claim needs immediate action, or personal information must be confirmed through a link. Caller ID and official-looking messages can be faked.

Safe responseDo not click, reply or share passwords, bank information or one-time codes. Contact VA through a number you find independently.
04

Pension poaching and advances

Someone offers to hide or rearrange assets, sell an annuity or take control of pension deposits to qualify for benefits. Others trade quick cash for future VA or DoD pension payments.

Safe responseDo not give anyone control of the account receiving benefits. Military and VA pension advances may violate federal law.
05

VA home-loan solicitations

A caller or mailer claims VA affiliation, demands an upfront fee, guarantees foreclosure relief, redirects mortgage payments or tells the homeowner to stop paying the current servicer.

Safe responseCall the servicer on the mortgage statement or VA Loan Guaranty at 877-827-3702.
06

Affinity, charity and investment pitches

Patriotic names, military imagery or a shared service story can be used to create false trust in a job, business, charity, romance or investment opportunity.

Safe responseVerify the person and organization independently. Guaranteed returns, unusual payment methods and secrecy are reasons to stop.
Build the pause

Six steps that protect what you earned.

A criminal wants speed and isolation. A safe decision creates time and brings in an independent source.

Use Check Before You Act
  1. 1Start at VA.govDo not use a link or number in a surprise call, postcard, ad, email, text or social-media post.
  2. 2Verify claims helpSearch VA’s accreditation directory before signing a contract, sharing records or granting account access.
  3. 3Lock down accountsUse unique passwords and multi-factor authentication. Never share a one-time code or approve a sign-in you did not start.
  4. 4Watch direct depositReview VA notices and bank deposits. Treat an unexpected change or missing payment as urgent.
  5. 5Refuse unusual payment instructionsNo legitimate agency demands gift cards, cryptocurrency, cash pickup, a courier or transfer to a “safe account.”
  6. 6Bring in someone trustedPause the contact and ask a family member, caregiver, VSO or trusted professional to review it.
No wrong door

Trusted help for veterans and families.

Start with VSAFE for prevention, reporting and recovery guidance, or use the verified contact that matches the issue.

VA benefits and payment concerns

Verify a VA message, report a missing payment or ask about an unexpected direct-deposit change.

1-800-827-1000

Find a VA-accredited representative

Search for a recognized VSO representative, accredited attorney or claims agent.

Search VA’s directory

VA home-loan help

Get official answers about VA-guaranteed loans, servicing and difficulty making payments.

877-827-3702

Tennessee Department of Veterans Services

Find a county Veterans Service Office or ask for state assistance.

615-741-2345

Tennessee Adult Protective Services

Report suspected abuse, neglect or financial exploitation of a vulnerable adult, 24/7.

1-888-277-8366

Veterans Crisis Line

Confidential support for a veteran in crisis or someone concerned about one. Call 988 and press 1, or text 838255.

Available 24/7
If money or information was already sent

Act quickly. Keep the evidence. Tell someone today.

  1. Contact the bank, card issuer, payment app or transfer service immediately. Ask for a fraud hold, recall or reversal.
  2. Secure the email account first, then change exposed passwords, review direct deposit and freeze credit if identity data was shared.
  3. Save postcards, emails, texts, screenshots, receipts, phone numbers and account-change notices.
  4. Report through VSAFE and the agency that can act. If a veteran is in crisis, call 988 and press 1. Immediate danger: call 911.
Source transparency

Verified against official guidance.

This resource was reviewed October 29, 2026. Criminal tactics and agency guidance can change; confirm urgent questions through VA.gov, VSAFE or a verified Tennessee Veterans Service Office.