Call Merging Scam Can Drain Your Bank Account – Here’s How to Stay Safe

 With the rise of digital fraud, a new threat known as the call merging scam is targeting unsuspecting victims and draining their bank accounts. Scammers use sophisticated tactics to manipulate users into revealing sensitive financial details. Understanding how the call merging scam works and taking preventive measures can help you protect yourself from financial fraud.

What Is a Call Merging Scam?

The call merging scam is a deceptive technique used by fraudsters to trick individuals into sharing banking details. The scammer impersonates a bank official or customer support representative and initiates a call. While on the call, they request the victim to merge another call, usually with a fake bank representative or law enforcement officer. Once the call merging scam is successfully executed, scammers extract crucial financial information, leading to unauthorized transactions.

How the Call Merging Scam Works

1. Initial Contact: Scammers call, pretending to be from a bank or a trusted organization.

2. Request for Merging Calls: They convince the victim to merge another call with a fake bank official or authority figure.

3. Information Extraction: The scammer tricks the victim into disclosing OTPs, PINs, or other sensitive details.

4. Financial Loss: Once they obtain the information, scammers drain bank accounts through fraudulent transactions.

Signs You Might Be a Target of a Call Merging Scam

• Unexpected Calls from Banks or Authorities requesting sensitive information.

• Pressure Tactics and Urgent Requests to merge calls.

• Asking for OTPs, Card Details, or PINs over a phone call.

• Caller ID Spoofing, making it seem like the call is from a legitimate source.

How to Stay Safe from Call Merging Scams

Protecting yourself from a call merging scam requires awareness and proactive security measures. Follow these steps to stay safe:

1. Never Share Personal or Banking Details Over Calls – Banks never ask for OTPs, PINs, or passwords over the phone.

2. Avoid Merging Calls with Unknown Numbers – If someone insists on merging a call, end it immediately.

3. Verify the Caller’s Identity – Contact your bank directly using official numbers from their website.

4. Enable Two-Factor Authentication (2FA) – Adds an extra layer of security to your online transactions.

5. Be Wary of Urgent or Threatening Calls – Scammers create panic to extract information quickly.

6. Report Suspicious Calls to Authorities – Inform your bank and cybercrime cell if you suspect fraud.

What to Do If You Fall Victim to a Call Merging Scam?

If you suspect that you’ve been targeted by a call merging scam, act quickly to minimize losses:

• Immediately contact your bank to block unauthorized transactions.

• Change your online banking passwords and PINs to prevent further access.

• Report the scam to cybercrime authorities for further investigation.

• Monitor your bank statements regularly for suspicious activity.

Conclusion

The call merging scam is a growing financial fraud that can result in severe monetary losses. By staying informed, recognizing red flags, and following security best practices, you can safeguard your bank account. Always verify callers, avoid sharing sensitive details, and report suspicious activities to the authorities. Stay vigilant and protect yourself from the dangers of the call merging scam.