Is This Who I Think It Is?

Understanding Phone Spoofing and How to Protect Yourself

Phone scammers have become increasingly clever, using techniques to disguise their identity. A common tactic they use is called phone spoofing, where they manipulate the information displayed on your caller ID to appear as if they are calling from a trusted source. Don't be fooled—this is a classic trick that scammers use to gain your trust and, if they’re successful, your personal information or money.

What Is Phone Spoofing?

Phone spoofing is a technique where scammers make their phone numbers appear differently on your caller ID. They may use local area codes, numbers that seem familiar, or even mimic the numbers of trusted organizations such as local utilities, financial institutions, or government agencies. This deceptive practice is meant to trick you into answering the call.

Common Signs of a Spoofed Call

• The call comes from a local number you don’t recognize.
• The call seems to come from a local number or a trusted organization, but if you look closer, the caller ID might show false information or be deliberately changed to trick you.
• The caller claims to be from a trusted company, but something feels off.
• You are being pressured to make a payment or another request immediately.
• The caller asks for personal information, like account numbers, Social Security numbers, or passwords.

How to Protect Yourself from Phone Spoofing

To stay safe from phone spoofing scams, follow these tips:

1. Don’t answer calls from unknown numbers. If a call comes from a phone number you do not recognize, it is best not to answer. Legitimate callers will usually leave a message if it’s important.
2. Hang up if something feels off. If you do answer and the caller is not who you expected or they make a suspicious request, hang up immediately.
3. Don’t respond to pressure tactics. Scammers often create a sense of urgency to make you act quickly. They might say you owe money or claim you’ve won a fake prize. Take a moment to pause and think. Scammers thrive on urgency.
4. Verify callers before calling back. If you receive a suspicious call from someone claiming to be from an organization or government agency, do not provide any personal information. Instead, hang up and call the organization directly using an official phone number found on a bill, statement or official website.
5. Never share personal information. Never share personal information such as account numbers, Social Security numbers, or passwords over the phone unless you are sure who you are speaking with. As a reminder, Members First will never contact you to ask for your account numbers, card number, zip code, passwords, pin numbers, passcodes, or usernames. If anyone contacts you unexpectedly and requests this information, do not provide it.

Stay Informed, Stay Protected

Scammers are always finding new ways to trick people, but you can stay one step ahead by being aware and prepared. Stay informed and protect your personal information.