Field guide · No. 07 · Phone · WhatsApp · SMS

Family-emergency and cloned-voice calls

The tell: A relative in trouble needs money now, and begs you not to tell anyone.

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.

Check this example

How it works

  1. A call or message comes from a “grandchild”, “child” or other relative, often late at night or in a hurry.
  2. 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.
  3. 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.
  4. 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

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

Links last checked 2026-10-12.

Australia
  • Scamwatch — Run by the national consumer regulator.

Links last checked 2026-10-12.