AI voice cloning scams: how to protect yourself and your family

How the scam works

Scammers find a short recording of someone's voice, often from a video posted on Facebook, Instagram or TikTok. AI software then learns to imitate that voice. With it, a criminal can make a phone call that sounds like your grandson, your daughter or your spouse.

The script is almost always the same: "Grandma, it's me. I've been in an accident," "I got arrested," or "I'm stuck and need money. Please don't tell Mom." Sometimes a second voice joins in, playing a lawyer, police officer or bail agent who explains how to pay.

The warning signs

• Panic and urgency. You're told there's no time to think.
• Secrecy. "Don't tell anyone" is the biggest red flag of all.
• Strange payment methods. Gift cards, wire transfers, cryptocurrency, payment apps or a courier coming to collect cash.
• The call doesn't quite fit. A number you don't recognize, an unusual time, or a story that doesn't match what you know.

The 3-step rule that helps you verify it

1. Hang up. It feels rude, but it's the single most effective thing you can do. A real family member will understand.
2. Call back on a number you already know. Use the number saved in your phone, not the one that just called. If you can't reach them, call another family member.
3. Ask for the family code word. Agree on a word or phrase now, one that isn't posted anywhere online. If they can't give the code word, stop and verify through another trusted contact.

How to set up a family code word today

Pick something memorable but private, like the name of a childhood pet that's never been posted online, or a silly phrase only your family would know. Share it in person or on a call you started. Write it somewhere safe that isn't your phone's notes app. Then tell everyone the rule: "If you ever call me for money, I'll ask for the word."

Make yourself a harder target

• Set social media profiles to private, and think twice before posting videos of family members talking.
• Let unknown numbers go to voicemail. Scammers often won't leave one.
• Tell your bank you'd like extra verification for large withdrawals or transfers.

If you already sent money

Don't be embarrassed. These scams fool smart, careful people every day. Act quickly:

1. Call your bank or card company immediately. Some transfers can be stopped.
2. If you paid with gift cards, call the card company on the number on the back of the card.
3. Report it at ReportFraud.ftc.gov or call the National Elder Fraud Hotline at 1-833-372-8311.

Got a suspicious message right now? Use our free scam checker.

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