Call Merging Scam: How It Works and How to Stay Safe

Facts about Call Merging Scam Explained: Don’t Fall Victim to This Rising Phone Fraud. Beware of the call merging scam! Learn how scammers trick you into financial fraud, how the scam works, and essential tips to stay safe from phone call scams.

Call Merging Scam X/Grok

What is the Call Merging Scam?

Scammers use call merging to trick victims into unknowingly sharing sensitive information, particularly OTPs (one-time passwords), to gain unauthorized access to bank accounts or other secure platforms.

How the Scam Works

1. Unexpected Call: A scammer calls you, claiming they got your number from a mutual friend or another believable source.

2. Request to Merge Calls: They ask you to merge the call with another number, supposedly their "friend" or a bank representative.

3. Linking to an OTP Call: Once merged, you unknowingly connect with an automated OTP verification call from your bank.

4. Tricking You into Sharing OTP: The scammer convinces you to share the OTP by pretending it’s necessary for verification.

How to Protect Yourself

• Never Merge Calls with Unknown People: If someone you don’t know asks you to merge calls, refuse immediately.

• Verify Caller Identity: If someone claims to be from your bank, call the bank directly using their official customer care number.

• Banks Never Ask for OTPs Over Calls: Any request for an OTP over a phone call is a red flag for fraud.

• Report Suspicious Activity: If you receive an unexpected OTP for a transaction you didn’t initiate, immediately call 1930 (the national cybercrime helpline) and inform your bank.

Frequently Asked Questions (FAQs)

1. What should I do if I’ve already merged a call with a scammer?

If you suspect you’ve fallen victim to this scam, take these immediate steps:

• Do not share any OTP or personal information.

• Disconnect the call and report it to your bank.

• Call 1930 (cybercrime helpline) to report the fraud attempt.

• Monitor your bank account for unauthorized transactions.

2. How do scammers get my phone number?

Scammers often obtain numbers from leaked databases, social media, or through phishing attempts. Be cautious when sharing your contact information online.

3. Can banks or telecom companies prevent such scams?

While banks and telecom companies implement security measures, scammers find new ways to bypass them. Your best defense is awareness and vigilance.

4. Is it safe to merge calls if the person claims to be a friend?

Only merge calls if you’re certain of the caller’s identity. If in doubt, end the call and verify independently.

5. Are there other scams similar to this?

Yes, scams like fake customer support calls, SIM swap fraud, and phishing attacks also target OTPs and banking details. Stay alert and follow security best practices.

By staying informed and cautious, you can protect yourself from falling victim to such scams.

Written by Mk Singh.