AI can help scammers imitate a familiar voice or create convincing messages, images, and video. A convincing voice or presentation does not prove who sent it. The safest response is to pause and verify through a phone number or channel you obtained independently—not through details in the suspicious message.
Why AI makes impersonation scams harder to judge
Scammers can use AI to make an impersonation feel personal and plausible, including by cloning a voice. The FBI warns that “AI-generated content has advanced to the point that it is often difficult to identify” in its May 15, 2025 warning about a malicious messaging campaign. That does not mean every suspicious message uses AI, or that a visual or audio clue can reliably prove one does.
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The scale figures are not interchangeable. The FBI’s 2025 IC3 Annual Report, published in 2026, records 22,364 complaints reporting AI-related information in 2025 and adjusted losses exceeding $893 million. This is the report’s AI-related complaint category, not an estimate of every AI scam or all losses caused by AI. Separately, the FTC said consumers reported nearly $3 billion in losses to impersonators in 2024; that figure covers impersonation scams generally, not AI-only losses, in its April 2025 guidance.
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These are practical warning signs drawn from agency guidance, not a diagnostic checklist. One sign alone does not establish that a message is fraudulent or AI-generated. Treat a combination of pressure and an unverified request as a reason to stop and check.
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1. An unexpected request for money or sensitive information
A familiar-sounding voice, a recognizable name, or an official-looking message does not authenticate the sender. Be cautious if someone unexpectedly asks for money, account credentials, personal details, or a security code. The FTC’s advice for family-emergency calls is simple: “Don’t trust the voice.” Contact the person using a number you already know belongs to them, rather than a number supplied during the call or in a message. See the FTC’s family-emergency scam guidance.
2. Urgency, pressure, or secrecy
A story about an accident, arrest, or sudden crisis can be designed to make you act before you have time to check it. Treat demands to send help immediately, keep the request secret, or avoid contacting anyone else as reasons to pause—not as proof the emergency is real. The FTC recommends verifying the claim directly through a known contact route.
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3. A payment method that is difficult to recover
The FTC identifies wire transfers, cryptocurrency, and gift cards as warning signs in family-emergency scams. Do not send money through one of these methods before independently verifying the request. A payment method does not prove a scam by itself, but pressure to use a hard-to-reverse option deserves particular caution.
4. Changed or mismatched contact details
Check whether the email address, phone number, URL, spelling, or communication channel matches what you already know. Be alert to a sudden request to switch to a new number or app. A caller ID display is not proof of identity: the FTC notes that “Your caller ID might show the name of a government agency or business, but caller ID can be faked” in its April 2025 impersonation scam guidance. If contact information has changed, confirm it through a previously trusted channel or a source you find independently. The FBI gives this advice in its December 19, 2025 campaign warning.
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How to verify a suspicious call or message
- Pause. Do not send money, share sensitive information, click a link, or call a number provided in the suspicious message as your only check.
- Contact the person through a known route. Call a number already saved or otherwise known to be theirs, or use another channel you have previously confirmed. If you cannot reach them, contact another trusted friend or relative who may be able to check.
- For a business or government claim, look up the organization yourself. Use contact information from a source you found independently, not a link, number, or caller ID presented in the suspicious contact.
- Check new channels separately. If a contact says they have a new number or account, verify that change through a platform you already trust or another reliable source, rather than treating the new contact’s own claim as confirmation.
The useful test is not whether the voice sounds perfect or the video looks natural. It is whether the request checks out through a route that is independent of the suspicious contact and already has a basis for trust. The FBI’s December 2025 guidance specifically recommends checking new contact information through a previously confirmed platform or trusted source.
What if you already sent money or information?
Act promptly: contact the bank, payment service, or other provider involved and report suspected fraud. Explain what happened and ask whether the transaction or account can be protected. For U.S. consumers, report suspected scams to the FTC at ReportFraud.ftc.gov. The FBI also advises contacting appropriate security officials or the FBI about suspicious messages connected to its impersonation campaign; its May 2025 warning includes that reporting advice.
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Why a detector or visual clue is not a guarantee
A strange glitch or an unusually smooth voice is not a dependable stand-alone test: synthetic content can be difficult to identify, and cloned voices may sound nearly identical to a real person. The FTC’s April 2024 report on approaches to AI-enabled voice cloning discusses authentication, real-time detection, and post-use evaluation as possible intervention areas, while noting that defenses have limits and no single solution. Do not treat a consumer detection tool as certification that a voice or message is genuine; verify the identity and request through a trusted, independent channel instead.
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