How-to guide
How to spot a phone call scam
Phone scammers spoof caller ID to look like your bank or a government office, then use pressure to get money, codes, or remote access to your device.
Warning signs on a call
Legitimate organizations don't do these things. A scammer does:
- Pressure to act immediately or keep the call secret.
- Requests for one-time codes, passwords, gift cards, or remote access.
- Caller ID showing your bank or a government agency (it can be faked).
- A threat — arrest, account closure, a fine — unless you pay now.
How to verify safely
Hang up. Call back using the number on your card or the company's official website — never a number the caller gave you. Real banks and agencies never ask for one-time codes or payment in gift cards.
Frequently asked questions
Can scammers fake a real phone number?
Yes. Caller ID spoofing lets scammers display any name or number, including your bank's. Never trust caller ID alone.
How do I check if a number is a scam?
Describe the call or number in Scam Doctor for a verdict, and call the company back on its official number to confirm.