Grandma, it's me. I'm in trouble. I had an accident and they've arrested me. I need money for bail right now, please don't tell Mom or Dad, I'm so embarrassed. A lawyer will call you with the details.
How it works
- A call or message comes from a “grandchild”, “child” or other relative, often late at night or in a hurry.
- They’re in trouble: an accident, an arrest, a hospital, a kidnapping. The voice may be a stranger doing a convincing “it’s me”, or an imitation of the real person made from a short recording.
- A second person takes over, a “lawyer”, “officer” or “doctor”, and explains how to pay: cash handed to a courier, gift cards, crypto, a wire transfer.
- You’re told to keep it secret.
The tells
- Urgency and secrecy together.
- Payment that can’t be traced or reversed: cash couriers, gift cards, crypto.
- The caller can’t answer a question only the real person would know.
- A new number “because my phone broke”.
What to do
- Hang up and call the person back on the number you already have, or reach them through another family member.
- Agree a family code word now, before you need it. Anyone claiming to be family should be able to say it.
- Don’t pay anything before you’ve spoken to the real person.
- If you’ve already paid, contact your bank or the payment service immediately and report it to the police.
Voices can be copied convincingly from a short recording, so a familiar voice is no longer proof of who is calling.
Where to report it
Anywhere in the world
- Your bank or card provider. First, if money or card details are involved. Use the number on your card.
- The platform where it happened. Use its “Report” button: the marketplace, the messaging app, the social network.
- Your local police. If you’ve lost money, and for a reference number your bank may ask for.
- Your national fraud or consumer-protection agency. Search for it by country; use a government address (.gov or the equivalent).
United States
- Report to the FTC — The Federal Trade Commission’s fraud reporting site.
- Report internet-enabled crime to the FBI (IC3) — File even if you’re unsure it qualifies. IC3 will never contact you to ask for money.
- Forward scam texts to 7726 (SPAM) — Free with most carriers.
Links last checked 2026-10-12.
United Kingdom
- Forward suspicious emails to report@phishing.gov.uk — Handled by the National Cyber Security Centre.
- Forward suspicious texts to 7726 — Free. Your mobile provider receives the report.
- Report Fraud (England and Wales) — If you’ve lost money or been hacked. Phone 0300 123 2040.
Links last checked 2026-10-12.
Canada
- Canadian Anti-Fraud Centre — Use its “Report fraud” page.
- Forward scam texts to 7726 — Free with most carriers.
Links last checked 2026-10-12.
Australia
- Scamwatch — Run by the national consumer regulator.
Links last checked 2026-10-12.