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Unknown numbers ring phones across the US every day. Some are telemarketers and robocalls, some are scams pretending to be your bank, a delivery company or the IRS, and some are real - your doctor's office, a delivery driver or a company you do business with. It helps to know which one it is before you answer or call back.
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A crying grandchild, a car accident, an arrest and a "lawyer" who needs bail money today. The grandparent scam is decades old, but AI voice cloning lets scammers sound like the person you love. Here is how the call works now, why trying to detect a fake voice is the wrong defense and how to set up a family safe word that actually holds up under pressure.
A caller who says he's a deputy or a court officer tells you that you missed jury duty, a judge signed a warrant and you can clear it today by paying a bond. The call may show your local sheriff's number and the caller may know your address. Here is how the jury duty scam works, what really happens when someone misses a summons and how to check safely.
Your phone shows your bank's name, the caller knows your recent purchases and they say someone is trying to steal your money. Then they ask you to read out a code or send your balance to a "safe" account through Zelle. Here is how the fake bank fraud department call works, what a real fraud team never asks for and what to do in the first hour if you already sent money.