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If a caller claims to be from Social Security, do not trust the caller ID, name, badge, or a number they provide. Hang up, independently call Social Security at 1-800-772-1213, and report the attempt to the Social Security Administration Office of the Inspector General (SSA OIG) at oig.ssa.gov/report. If you sent money, contact your bank or payment provider immediately through the number on your card or statement; if your Social Security number was misused, use IdentityTheft.gov.
If the call is happening now
Use this sequence before discussing the matter with anyone who contacted you:
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- End the call. Do not confirm your name, Social Security number, date of birth, address, bank details, one-time codes, or benefit information. Do not press a key to reach another representative.
- Do not call back through the supplied number. A number in caller ID, a voicemail, a text message, an email, or a letter can be controlled by the scammer.
- Start a new contact with Social Security. Dial 1-800-772-1213 yourself. Ask whether the claimed issue exists, but do not treat the original caller’s transfer, employee name, or credential as proof of identity.
- Stop any proposed money movement. Government agencies will not ask you to move money to protect it. If you already transferred money or disclosed bank information, call the relevant bank or payment provider using an independently verified number, preferably the one printed on your card or statement.
- Preserve the details and report the attempt. Save the message, letter, voicemail, email, web address, payment instructions, and phone numbers before deleting or blocking anything.
This process works because it removes the scammer from the verification path. The person who called cannot authenticate a call by transferring you, and you do not need to remain on the line while you check.
How can I tell if a call from Social Security is legitimate?
SSA describes a recurring pattern rather than a single magic phrase. A suspicious contact usually combines several of these elements:
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| Signal | What the caller does | What you should do |
|---|---|---|
| Impersonation | Claims to be Social Security, another government office, a bank, police, or a familiar company. | End the contact and verify through a number you obtained independently. |
| Invented problem or prize | Says your Social Security number, account, or benefits have a problem, or tells you that you won a payment. | Do not accept the caller’s story as evidence. Ask Social Security about it after calling 1-800-772-1213 yourself. |
| Immediate pressure | Demands action now, threatens consequences, or insists that you keep the call secret. | Slow down. A demand for secrecy or instant action is a warning sign, not a verification method. |
| Prescribed payment | Directs you to use gift cards, precious metals, prepaid cards, a wire transfer, cryptocurrency, or cash. | Do not pay. End the call and contact your bank directly if any transaction has started. |
Caller ID is not authentication
Scammers can spoof official government numbers, including local police numbers. The displayed number may look local or match a published agency number while the call comes from somewhere else. A real employee’s name, title, badge image, case number, or official-looking email signature is also not proof that the contact is genuine. Treat all of those details as unverified until you have initiated contact through Social Security’s published number.
Threats and requests SSA says it will not make unexpectedly
Be especially cautious when a caller threatens to suspend your Social Security number or benefits, arrest you, seize an account, or involve law enforcement unless you pay. SSA says it will not unexpectedly request personal or bank information, demand payment by gift card, cash, cryptocurrency, wire, prepaid card, or precious metals, or tell you to move money to protect it. Requests for secrecy and instructions to disclose bank details are additional red flags.
The direct-transfer claim
A caller may say a bank, police department, another agency, or a company can transfer the call directly to SSA or the Office of the Inspector General. SSA’s July 29, 2026 scam update states: Legitimate companies and other agencies cannot transfer your phone call directly to SSA or OIG.
A claimed transfer therefore deserves the same response as any other scam signal: hang up and make a fresh call yourself.
How to verify a concern without trusting the caller
Verification means that you control both the telephone number and the timing of the new contact. Follow these steps:
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- Write down the caller’s claim in neutral terms: for example, an alleged benefit suspension, an account problem, or a demand to pay a fee.
- End every connected call and ignore callback instructions in the message. Do not use a search result, link, or number supplied by the contact as your only source for the telephone number.
- Dial 1-800-772-1213 yourself. Tell the Social Security representative that you received a suspected impersonation call and ask whether the underlying issue is real.
- Give Social Security only the information needed for that independently initiated conversation. You do not need to repeat sensitive information to the suspicious caller to prove that you are the account holder.
- Record the result and keep the suspicious contact’s details for the OIG report. A legitimate answer from Social Security does not make the original caller legitimate; it only helps you resolve the claimed issue.
If the person who contacted you says that staying on the line is required for verification, that demand conflicts with a safe verification process. You can always end the original contact and begin again.
What to save before you report
Reports are more useful when they describe the event precisely. Collect what you already have; do not delay an urgent bank call while trying to complete a perfect report.
- The date and approximate time of each contact.
- How the person reached you: phone call, voicemail, text, email, letter, social-media message, or another method.
- The number shown on your phone and, if available, the actual number used by the caller or the carrier information.
- Displayed and actual email addresses, web addresses, QR codes, or links connected with the contact.
- The caller’s claimed agency, name, title, case number, reason for contacting you, deadline, threat, and payment instructions.
- What you said or sent, including whether you disclosed an SSN, account information, identity documents, passwords, or payment details.
- Whether money was lost, the amount and date, the payment method, transaction references, and the bank or provider involved.
- Whether you are still in contact with the person and whether the contact has attempted to reach you again.
- Screenshots, saved emails, envelope markings, voicemail files, and copies of payment instructions. Keep the originals where possible.
Do not embellish uncertain details. If you are unsure whether a phone number was displayed or supplied, label it that way. Accurate uncertainty is more useful than a guessed number.
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Use the SSA OIG scam reporting form at oig.ssa.gov/report. It accepts reports about suspicious calls, letters, texts, and emails involving a Social Security number, account, or payment. The form asks how the contact occurred, the phone numbers or links supplied, what happened, the incident date, whether money was lost, and whether you are still in contact.
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Information the OIG form requests
Provide the facts in the order they happened: who contacted you, what the person claimed, when and where the contact occurred, how the person reached you, and why you believe it was an impersonation. Include the displayed number and carrier when relevant, the email address or URL exactly as shown, requested payment method, information you disclosed, and any financial loss. If you have only part of the information, submit what you know rather than inventing the rest.
The report is voluntary. The OIG explains that incomplete information may limit its ability to investigate. The form also includes a field for a personal five-digit PIN for possible follow-up. If you create or record that PIN, ask for it if an OIG employee later contacts you; a person who calls without the expected verification context should not be assumed genuine.
Other OIG reporting routes
The SSA FAQ lists an anonymous hotline and alternative routes. The hotline is 1-800-269-0271; TTY users can call 1-866-501-2101. The listed hours are 10 a.m. to 2 p.m. Eastern Time, Monday through Friday, excluding federal holidays. The listed fax number is 1-410-597-0118, and the mailing address is Social Security Fraud Hotline, P.O. Box 17785, Baltimore, MD 21235-7785. Availability and contact details can change, so check the current official SSA OIG page before relying on a phone, fax, or mailing detail.
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Do not confuse an impersonation scam with program fraud
An impersonation scam is a contact pretending to be SSA or another organization in order to obtain money or information. The OIG scam form is designed for that situation. Suspected fraud in an SSA program or in an employee’s official operation is a different report type covered by SSA’s separate fraud-reporting routes. Describe what you actually observed so the report reaches the appropriate channel; do not relabel a payment demand as program fraud simply because the caller used SSA’s name.
Report government impersonation to the FTC
The Federal Trade Commission also accepts government-impersonation reports at ReportFraud.ftc.gov. An FTC report does not replace the SSA OIG report: the OIG receives the Social Security-specific details, while the FTC tracks government impersonation across agencies and can use patterns from many reports.
For scale, the FTC said on September 25, 2026, that it received more than 375,000 reports from people who lost more than $900 million collectively in 2025 to government impersonation scams. Those figures cover government impersonation broadly, not Social Security scams alone, so they should not be read as an SSA-specific count.
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If money moved
Contact the bank, card issuer, wire service, cryptocurrency provider, or other payment company involved as soon as possible. Use the number printed on your card or statement, or another contact method you located independently; do not use a number supplied by the caller. Tell the provider that the transaction followed a suspected government-impersonation scam, give the transaction time and reference, and ask what cancellation, recall, or fraud-review options remain. The provider may not be able to recover funds, and neither an OIG nor an FTC report guarantees recovery.
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Do not send a second payment to a person who promises to recover the first one. A follow-up demand for a tax, release fee, verification charge, or security deposit is another payment request, not evidence that the original contact was legitimate.
If your SSN or other identity information was misused
Start with the FTC’s identity-theft resource at IdentityTheft.gov. Explain what information was disclosed and what misuse you have seen. Report the Social Security-related impersonation to the OIG as well, because the two reports serve different purposes. Keep copies of every submission and any case or confirmation number you receive.
If you only answered the call
A conversation by itself is still reportable. Note exactly what the caller requested and what you declined to provide. If no money or information was shared, say so in the report; that distinction helps investigators separate attempted scams from completed losses.
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| Your situation | Primary action | Additional action | Urgency |
|---|---|---|---|
| Someone pretended to be SSA and requested money or information | Submit an SSA OIG scam report at oig.ssa.gov/report. | Report the government impersonation to the FTC. | After ending the contact, preserve evidence and report promptly. |
| You sent money or gave bank details | Call the bank or payment provider through an independently verified number. | File the OIG and FTC reports with transaction details. | Immediate; provider intervention options can depend on timing. |
| Your SSN or identity information was misused | Use IdentityTheft.gov and report the impersonation to the OIG. | Include the observed misuse and dates in both reports. | Begin as soon as you identify the misuse. |
| You suspect fraud in an SSA program or official operation rather than an impersonation contact | Use the separate SSA fraud-reporting route described in the SSA FAQ. | Explain the conduct accurately; do not force it into the scam form. | Report when you have the relevant facts. |
Examples: applying the verification and reporting steps
A local number and a claimed police transfer
Your phone displays a local police number. The caller says your SSN is under investigation, transfers you to a supposed SSA employee, and demands gift cards. The local number and the claimed transfer do not authenticate the call. End it, independently call Social Security, record the displayed number and payment demand, and submit the details to the OIG and FTC.
A text message warning of benefit suspension
A text says your benefits will stop unless you follow a link and pay a fee. Do not use the link or reply to the sender as a way to verify the message. Preserve the text and URL as evidence, call Social Security through 1-800-772-1213, and include the message, link, date, and requested payment in your reports.
A letter requesting cash or precious metals
A letter uses an SSA logo and tells you to buy precious metals or send cash to protect your account. Logos and letterhead can be copied. Keep the envelope and instructions, call Social Security yourself, and report the letter through the OIG form. If you sent anything, contact the relevant provider or bank immediately and document the loss.
Common mistakes that weaken verification or reports
- Calling the number in the message. It keeps the scammer in control of the verification step.
- Arguing with the caller. A scammer does not need to convince you if the conversation reveals your name, address, bank, or other information.
- Relying on caller ID. Spoofing can make a fraudulent call look like a government or police number.
- Sending a small test payment. Gift cards, cryptocurrency, cash, precious metals, prepaid cards, and wires are all demanded payment methods in scams; a small amount does not make the request safe.
- Deleting evidence before recording it. The OIG form asks for numbers, links, contact methods, dates, and details that may disappear when a message is removed.
- Leaving out a loss because recovery seems unlikely. Report the amount and payment method anyway. The report supports the investigation even when a provider cannot reverse the transaction.
- Assuming one report covers every need. The OIG, FTC, and IdentityTheft.gov serve different purposes, and a bank or payment provider must be contacted separately after a transfer.
Keeping the essential numbers and links straight
For verification, dial 1-800-772-1213 yourself. For Social Security-related impersonation reports, use the SSA OIG form at oig.ssa.gov/report or the current alternative routes listed by SSA. For broad government-impersonation reporting, use ReportFraud.ftc.gov. For misuse of an SSN or other identity information, use IdentityTheft.gov. If money moved, the bank or payment provider is the first urgent call, made through a number you obtained independently.
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