Spoofed Caller ID Scam: Is It a Scam?
Caller ID spoofing allows scammers to display any phone number on your caller ID, including your bank's, a government agency's, or even your own number. This makes scam calls appear legitimate and trustworthy.
How This Scam Works
Scammers use inexpensive VoIP services or spoofing tools to set any number as their outgoing caller ID. When they call you, your phone displays the spoofed number, making it look like a call from your bank, the IRS, Social Security Administration, or local police. Because you see a familiar or official number, you are more likely to answer and trust the caller. They then use social engineering to extract personal information, demand payments, or gain remote access to your computer. Some scammers even spoof your own phone number to make it seem like an internal call.
Red Flags to Watch For
- Caller claims to be from a government agency demanding immediate payment
- Call appears to come from your bank but the caller asks for your account details
- Your own phone number appears on the caller ID
- Caller pressures you not to hang up or verify independently
- Caller asks for sensitive information that the real organization would already have
Example Scam Messages
What to Do If You Received This
- Never trust caller ID alone to verify who is calling
- Hang up and call the organization back using a number from their official website
- Government agencies do not demand immediate payment over the phone
- Never share account numbers, PINs, or SSN with incoming callers
- Use call screening features offered by your phone or carrier
What to Do If You Fell For It
- Contact the real organization immediately using their official number
- Change any passwords or PINs you shared
- Contact your bank if financial information was disclosed
- Place a fraud alert on your credit reports
- File a police report if money was lost
How to Report This Scam
- Report to the FTC at ReportFraud.ftc.gov
- Report to the FCC at fcc.gov/spoofing
- File a complaint with FBI IC3 at ic3.gov
- Report to your phone carrier
Last updated: February 10, 2026