Phone scams (vishing) use caller ID spoofing to display legitimate numbers and AI voice cloning to impersonate known contacts. This guide teaches you to recognize and handle scam calls.
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Caller ID can be easily spoofed to show any number, including your bank's, the IRS's, or even a family member's. Never use the displayed number alone to determine if a call is legitimate.
If someone calls claiming to be from your bank or a government agency, hang up. Look up the organization's official phone number on their website or your account statement, and call that number directly. If the issue is real, they'll be able to help.
Scam calls create urgency: warrants for your arrest, account suspensions, unauthorized charges. They demand immediate action and discourage you from verifying the call. Legitimate organizations give you time to verify and don't demand immediate payment by phone.
No government agency, bank, or legitimate company accepts payment via gift cards, wire transfers, or cryptocurrency. This is the single most reliable indicator of a phone scam.
With AI voice cloning, scammers can now mimic family members' voices. Establish a code word with your family that you can use to verify identity during emergency calls. If the caller can't provide the code word, hang up.