What to say when you call
Got a message you're not sure about? Call the real organization yourself, using a number you know is real. Here's what to say.
Calling your bank
When to use it: A text, email or call says there's a problem with your bank account or card.
Which number? Use the number on the back of your bank card or on your bank statement. Never use a number from the message.
What to say
- “Hello, I got a message that says it's from your bank, and I want to check whether it's real.”
- “It came by [text / email / phone call] on [day].”
- “It says [what it says]. It asked me to [what it asked].”
- “Is there really a problem with my account?”
Questions to ask
- Did you send me this message?
- Is there anything I need to do?
- Should I report this message to anyone?
Never
- Never read out a code that was sent to your phone.
- Never give your full card number or PIN to someone who called you.
- Never move money to a "safe account".
Calling Medicare
When to use it: Someone says they're from Medicare and asks for your Medicare number, or offers something free.
Call Medicare: 1-800-MEDICARE (1-800-633-4227)Medicare: 1-800-MEDICARE (1-800-633-4227)
Number from the official website.
What to say
- “Hello, someone called me saying they were from Medicare, and I want to check whether it was real.”
- “They called on [day] and asked for [what they asked for].”
- “I didn't give them any information.”
Questions to ask
- Did Medicare try to contact me?
- Do I need to do anything about my card or my plan?
- How do I report this call?
Never
- Never give your Medicare number to someone who called you.
- Remember: Medicare will never call you to sell you anything or visit you at your home.
Calling Social Security
When to use it: Someone says your Social Security number is suspended, or that you owe money, or asks you to pay.
Call Social Security Administration: 1-800-772-1213Social Security Administration: 1-800-772-1213
Number from the official website.
What to say
Questions to ask
Never