Example 1: “IRS / Government threat” calls
The pitch: “You owe taxes. A warrant will be issued unless you pay today.”
- Red flags: threats, urgency, unusual payment methods (gift cards/crypto/wire)
- Safe move: hang up and use official government contact methods (never the number they provide)
Example 2: “Bank fraud department” calls
The pitch: “We detected suspicious activity—verify your identity and read us the code.”
- Red flags: requests for MFA codes, pressure to stay on the line
- Safe move: open your bank app or call the number on your card
Example 3: Tech support scams
The pitch: “Your computer has a virus. Install this tool so we can fix it.”
- Red flags: remote access requests, payment for “repairs,” pop-up triggered calls
- Safe move: close the browser, run your own scan, contact your trusted IT/provider
Example 4: Gift card payment scams
The pitch: “Pay fees/fines/bills with gift cards and read the numbers.”
- Red flags: gift cards are never a legitimate payment method for government or banks
- Safe move: hang up—this is almost always a scam
Example 5: “Family emergency” / impersonation scams
The pitch: “It’s your relative. I’m in trouble—send money now.”
- Red flags: secrecy, urgency, emotional manipulation
- Safe move: call your relative directly using a known number
Practice detection skills
Practice Phone Scam Scenarios Use Scam Lookup
FAQ
How do I know if a phone call is a scam?
Look for urgency, threats, requests for codes/passwords, and unusual payments. Hang up and verify independently.
Do scammers use real business names?
Yes. They often impersonate banks, carriers, and agencies and can spoof caller ID to look legitimate.