5. The Caller Pretends to Be a Trusted Organization
Scam sign: Someone claims to be from your bank, Social Security, Medicare, IRS, delivery company, police department, utility company, or tech support.
Imposter scams work because the name sounds familiar. The scammer may even spoof the phone number so it looks official on caller ID. Some may also know basic personal details about you.
The key problem is not the name they use. The problem is what they ask you to do: click, pay, share details, move money, or keep it secret.
What to do:
Hang up or stop replying. Call the official number from the company website, card, bill, or government letter.