Do not rely on the voice. A cloned voice can sound just like your relative. Hang up and call them back on a number you already know is theirs, or ask for your family code word. A sudden emergency, a plea for secrecy, and a demand for wire, gift card or crypto payment are the clearest warning signs.
The Federal Trade Commission warns that scammers can clone a loved one’s voice from a short audio clip, which can come from videos posted online (FTC consumer alert, March 2023). The FBI reports that criminals use short cloned clips of a relative’s voice to stage a crisis and ask for money or demand a ransom, and notes that cloned voices can sound nearly identical to the real person (FBI, December 2024; FBI, May 2025).
The FBI recommends agreeing a secret word or phrase with your family so anyone can prove who they are on a call. Pick something that has never appeared online, and make sure grandparents and teenagers both know it. The FBI also suggests keeping social media accounts private and limiting how much of your voice and face is public.
Call your bank or the payment company straight away and ask them to stop or recall the payment. Report the call to the FBI at ic3.gov and to the FTC at ReportFraud.ftc.gov. Write down the number that called, the time, and exactly what was said.
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By David Venafro, founder · Updated October 12, 2026