Robocalls have become a persistent and disruptive part of everyday life. Whether interrupting dinner or breaking focus at work, these automated calls often come from unfamiliar numbers and deliver pre-recorded messages that sound urgent or enticing. While some serve legitimate purposes, such as appointment reminders or school notifications,  many are cleverly disguised scams.

These fraudulent robocalls frequently impersonate government agencies, banks, or well-known companies in an attempt to steal personal information or trick individuals into sending money. As technology evolves, so do the tactics scammers use, making it more important than ever to stay informed.

This guide outlines what robocalls are, why they pose a serious risk, and what steps can be taken to avoid becoming a victim. Understanding the threat is the first step toward staying protected.

Why Are Robocalls Dangerous?

Robocalls are dangerous because they often serve as the gateway to fraud, identity theft, or financial scams. While some robocalls are legal and harmless, many are crafted by scammers looking to deceive individuals into giving up sensitive information like Social Security numbers, bank account details, or passwords. Answering a robocall, even without speaking, signals to scammers that the number is active. This confirmation can lead to a dramatic increase in the volume of scam calls received. Worse yet, interacting with the call, such as pressing a number or speaking, may connect the person to a live scammer or trigger the recording of their voice for potential misuse. Some robocalls even attempt to manipulate individuals into downloading malware or visiting harmful websites. In short, responding to a robocall can expose individuals to further targeting and increase their risk of being scammed.

How to Spot a Robocall

Robocalls can be sneaky, but there are several telltale signs that help distinguish them from legitimate phone calls. Scammers often use pressure tactics, unrealistic promises, or vague details to catch people off guard. Recognizing the warning signs early can prevent a costly mistake. If a call feels suspicious, it’s always better to hang up and verify independently. Here are some common red flags to watch for:

• Pre-recorded messages that start as soon as the call connects
• Caller ID spoofing, where the number looks local or familiar but isn’t
• Urgent threats, such as legal action or arrest warnings
• Unsolicited offers that sound too good to be true (e.g., free vacations, prizes)
• Requests for sensitive information, like your Social Security number or bank details
• Demands for payment via gift cards, wire transfers, or cryptocurrency
• Pressure to act immediately, discouraging you from asking questions or hanging up

Spotting just one of these signs is often enough to indicate a robocall and the safest response is to hang up without engaging.

How to Avoid Becoming a Victim of Robocall Scams

The best defense against robocall scams is a combination of awareness and prevention. Never answer calls from unfamiliar numbers, and if you do accidentally pick up, avoid speaking, pressing any keys, or following the caller’s instructions. Be especially wary of calls that claim urgency, offer prizes, or request payment via gift cards or wire transfers — all are common red flags. Use call-blocking tools provided by your phone carrier or third-party apps to help filter out unwanted calls. Registering your number with the National Do Not Call Registry at donotcall.gov is another proactive step. Most importantly, never share personal or financial information over the phone unless you are absolutely sure of the caller’s identity and have initiated the conversation.

How to Stop RoboCalls

• Register with the National Do Not Call Registry
• Visit donotcall.gov to add your number.

Use Call-Blocking Tools:

• Built-in options from your carrier (AT&T Call Protect, Verizon Call Filter, etc.)
• Apps like Hiya, Nomorobo, or Truecaller
• Enable Phone Features

Here’s what some common codes do:

• *67: Blocks your number (caller ID shows “Private”)

• *61: Blocks the last call (landline feature)

• *82: Unblocks caller ID if you’ve previously hidden it

Change Your Number (If Necessary)

This is a last resort but may help if you’re getting dozens of robocalls daily.

What to Do If You Think You’ve Been Scammed

If you believe you’ve fallen victim to a robocall scam, it’s important to act quickly but stay calm. Start by hanging up immediately to prevent any further interaction. Contact your bank or credit union right away,  especially if you shared financial information, so they can monitor your accounts and take steps to protect your funds. AGCU members should report any compromised details directly to the credit union for immediate assistance. Check your recent transactions for any unauthorized charges or suspicious activity. It’s also important to report the scam to the proper authorities: file a complaint with the FTC Complaint Assistant and submit a robocall report to the FCC. Lastly, don’t keep it to yourself,  warn friends and family so they can stay vigilant and avoid similar scams. Sharing your experience could save someone else from becoming a victim.

Steps:

• Don’t panic. Hang up immediately.
• Call your bank or credit union Click here to report any compromised information to AGCU.
• Check for unauthorized transactions or suspicious activity.
• Report the scam to:

• FTC Complaint Assistant
• FCC Robocall Report

• Let others know. Share the scam with friends or family so they can stay alert.

Protect Your Identity, Protect Your Finances

At AGCU, we care about your financial security. If you believe you’ve been targeted by a phone scam, contact us immediately. We’ll help you secure your accounts and stay safe from fraud.

Final Thoughts

Robocalls aren’t just annoying — they’re dangerous. By staying informed and taking proactive steps, you can avoid being their next victim. Save this guide, share it with your loved ones, and stay safe.