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The numbers that scammers love
Phone scams cost Americans over $10 billion a year. The FTC processes nearly five million complaints annually, and roughly two-thirds of those involve scammers spoofing legitimate-looking phone numbers. Here are the patterns to watch.
Top 10 scam patterns in 2026
- IRS / CRA / HMRC impostor calls — government agencies don't threaten arrest by phone. Period.
- "Your Amazon account was charged" — preys on Prime members, always asks for remote access
- Tech support pop-ups — fake Microsoft / Apple support, often with India-based call centers
- Medicare / health insurance scams — spike every fall during Open Enrollment
- "You won a free vacation" — old as time, somehow still works
- Romance scams (smishing) — texts from "wrong number" that turn into long cons
- Utility shutoff threats — "your power will be cut off in 30 minutes" demanding gift card payment
- Robocall extended car warranty — the meme that wouldn't die
- Student loan forgiveness scams — fee for something the government does for free
- Caller ID neighbor spoofing — numbers that match your own area code to bait you into answering
How to spot a spoofed number
Caller ID spoofing is now trivially easy — any VoIP system can fake the displayed number. Red flags that suggest a number is spoofed:
- The number shares your exact area code and prefix, but you don't recognize it
- You call back and the number is disconnected or rings forever
- The caller refuses to verify a call-back number
- The message demands immediate payment via gift card or wire transfer
- The number shows as toll-free but the caller claims to be local
What to do when you get one
- Hang up. Don't engage. Don't press 1. Don't say "yes" — that recording can be used for fraudulent authorizations.
- Block the number in your phone's call settings
- Report to the FTC at reportfraud.ftc.gov (or DGCCRF/SignalConso in France, ACMA in Australia, Ofcom in UK)
- Check the number here — your report helps protect others
- Add yourself to Do Not Call — donotcall.gov in the US, Bloctel in France, TPS in the UK