• 📞 Phone Scams (Vishing)

    Scammers spoof caller ID to pose as banks, agencies, or companies.

    They create urgency, ask for codes, payments, or remote access.

    🔗 Trusted Resources

    FCC — Caller ID Spoofing — How spoofing works and what you can do.
    🌐 https://www.fcc.gov/spoofing

    FTC — How to Recognize Imposter Scams — Government, business, and family emergency impostors.
    🌐 https://consumer.ftc.gov/articles/how-avoid-scam

    Social Security (SSA) — Scam Alerts — Official contact rules and reporting.
    🌐 https://www.ssa.gov/scam/

    IRS — Tax Scams / Consumer Alerts — How IRS really contacts you (and how they don’t).
    🌐 https://www.irs.gov/newsroom/tax-scams-consumer-alerts

    🧭 Recognizing & Responding Safely

    Hang up. Call back using the number on your statement or official website.

    Never relay verification codes. Banks and agencies won’t ask for one-time codes.

    Ignore caller ID. Spoofed names/numbers are common; rely on independent verification.

    Report robocalls/spoofing to the FCC and add your number to the Do Not Call Registry.

    🧠 Sam’s Takes (Quick Reminders)

    The more urgent the call, the more likely it’s a scam.

    Codes and passwords are never spoken over the phone.

    Ending the call is your superpower. You can always verify later.