The Police Identity Spoof

You have had a call showing as the police saying your identity was used in a crime and you need to cooperate.

The caller ID says it's the police, and the officer says your identity was used in a crime. If police called saying your identity was used in a crime, here's the part they're counting on you not knowing.

This is Detective Shaw, City Police Department, badge 4471. Your identity has come up in a money laundering investigation. We believe you are a victim, but we need your cooperation to clear you. I'll need to confirm your Social Security number and the accounts you hold, and you must not discuss this investigation with your bank.

Why this is a scam

Caller ID can be faked to show any name or number, including your local police department. A badge number and a calm, professional tone cost nothing.

Notice the shape of it: you're a victim, not a suspect, so your guard drops. Then comes the ask; your Social Security number, your account list, and silence toward your bank. That silence matters, because your bank is exactly who would stop what happens next.

Real detectives do not collect your account details by phone, and they never instruct you to hide things from your bank.

Red flags

  • Caller ID shows police, but the caller asks for personal or account details.
  • You're told you're "a victim" who must cooperate right now.
  • Requests for your Social Security number or a list of your accounts.
  • Instructions not to tell your bank or family about the "investigation".
  • Any follow-up that involves moving money to "protect" it.

How it works

Authority wearing a friendly face. Being cast as the innocent victim feels safe, and helpful people make cooperative targets.

What to do

  • Hang up. Caller ID proves nothing.
  • Call the department's real non-emergency line, found by you, and ask for the detective by name.
  • Never share your Social Security number or account details with an incoming caller.
  • Never move money because a "police officer" told you to; that instruction only comes from scammers.
  • Tell your bank if anyone mentioned your accounts; they can flag and watch them.

Scam

Red flag

High confidence of a scam. The content, the sender, the intent and where its requests lead all point the same way. Do not reply, click, call or pay.

What to do next

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

Likely to be a scam

Yellow flag

It asks you to act: a link, a number, a reply or a payment. Where that request leads is where the harm starts.

What to do next

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

Likely to be a scam

Grey flag

Nothing is asked of you yet. The content, the sender or the intent do not add up. Scams like this start friendly and ask later.

What to do next

Do not reply at all, not even to say wrong number. A reply tells them the number is live. Block the sender and delete the message. If a request follows, check it again.

Looks normal

Green flag

High confidence this is normal. The content reads as expected, the sender has a safe history, and anything it asks leads somewhere legitimate. Accounts can be taken over, so if a request seems out of character, check again.

What to do next

No action needed. If the sender later asks for money, codes or personal details, check that message too.

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Flggd Verdict

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Flggd Verdict

Scam

Red flag

High confidence of a scam. The content, the sender, the intent and where its requests lead all point the same way. Do not reply, click, call or pay.

Likely to be a scam

Yellow flag

It asks you to act: a link, a number, a reply or a payment. Where that request leads is where the harm starts.

Looks normal

Green flag

High confidence this is normal. The content reads as expected, the sender has a safe history, and anything it asks leads somewhere legitimate. Accounts can be taken over, so if a request seems out of character, check again.

Likely to be a scam

Grey flag

Nothing is asked of you yet. The content, the sender or the intent do not add up. Scams like this start friendly and ask later.

This result could not be shown. Check the message again. If it happens twice, use the Flggd app instead.

Score

Scam type

Confidence

Why Flggd says this

What this message wants you to do

Has anything happened yet?

You do not have to answer. Nothing you tap here is sent or recorded, and the verdict above stands either way.

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Nothing has happened yet

Good. Checking first is the safest thing to do. Do not tap any link, reply, or call any number in the message. Block the sender and delete the message. If it claims to be from an organisation you know, contact them using details you already trust.

Change answer

You tapped a link

Opening a link does not usually take money or details on its own. The harm comes from what you do on the page it opens. If you entered nothing and installed nothing, close the page and do not go back to it. If it asked you to sign in, enter a code, or install something, and you did, choose Gave details instead.

Change answer

You gave details

Work through this in order. First, if you gave bank or card details, call your bank now on the number on your card. Next, change the password for any account you entered, and for any other account that uses the same password. If you shared a one-time code, tell the organisation it belongs to straight away. Then turn on two-step verification where you can, and watch your statements for anything you do not recognise.

Change answer

You sent money

Call your bank now, on the number on your card or in your banking app. Say: "I have been scammed and I need to stop a payment." The sooner they hear from you, the more they may be able to stop or recover. In the UK you can call 159 to reach your bank. Do not pay anyone who offers to get the money back. That is another scam.

Report it. US: ReportFraud.ftc.gov, and ic3.gov for online crime. UK: reportfraud.police.uk or 0300 123 2040; in Scotland, Police Scotland on 101. Australia: scamwatch.gov.au. Have ready the message, the sender's number or address, and any payment details.

What to do next

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

No action needed. If the sender later asks for money, codes or personal details, check that message too.

Do not reply at all, not even to say wrong number. A reply tells them the number is live. Block the sender and delete the message. If a request follows, check it again.

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How this scam works

The closest match is the scam described on this page.

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