The FBI urges users to hang up immediately if anything feels off. Legitimate organizations will never ask for personal info or urgent payments over the phone. Don’t press buttons or engage, as this confirms your number is active.
To stay safe, contact the real institution through official channels if you’re unsure. Report scam attempts to local police and the FBI’s Internet Crime Complaint Center. Always treat surprise calls and texts—especially those with urgency or suspicious links—with skepticism.