Bank of America Impersonation Scam (2026 Alert)

How it works, what to do, and real examples

Last updated: April 2026 based on active scam data from Nomorobo

Is this Bank of America call real?

No. These are scam calls where fraudsters impersonate Bank of America to trick you into giving up account access, verification codes, or personal information.

Bank of America will not call you and ask for full credentials, passwords, or one-time verification codes.

Common signs of this scam:

  • Claims of suspicious or fraudulent activity on your account
  • Requests to “verify” your identity or recent transactions
  • Prompts you to press a number or speak to a representative
  • Urgent tone suggesting your account is at risk

Listen to the real scam call

Real Bank of America Scam Call (Recorded by Nomorobo)

What to notice:

  • References suspicious account activity
  • Uses urgency to trigger a response
  • Prompts interaction to “secure” your account

Transcript:
 “This is your Bank of America debit card loss prevention centre with an important message. We need to verify some recent activity on your Bank of America debit card…”

How this scam works

Scammers use a familiar pattern:

  1. Impersonation
     They pose as Bank of America’s fraud or security department
  2. Urgency
     They claim your account has been compromised
  3. Verification trap
     They ask you to confirm personal or account information
  4. Account takeover
    They use the information to access your account or initiate fraud

How to know it’s a scam

  • Use this checklist:

    • You receive an unexpected call about your account
    • The caller pressures you to act immediately
    • You are asked for sensitive information (passwords, codes, SSN)
    • The caller ID appears legitimate but cannot be verified
    • You are asked to press a number or stay on the line

What happens if you respond?

  • If you engage with the call:

    • You may be connected to a live scammer
    • They may attempt to:
      • Access your bank account
      • Capture login credentials or verification codes
      • Initiate fraudulent transactions
    • Your number may be targeted for additional scams

What to do right now

  • If you receive this call:

    • Hang up immediately
    • Do not press any buttons
    • Do not provide any information
    • Contact Bank of America directly using the number on their website or your card
    • Monitor your account for suspicious activity
    • Block and report the number
    • Use a call-blocking service like Nomorobo

Seen on national TV

Nomorobo’s Matt Mizenko explains bank impersonation scams

Bank impersonation scams are among the most dangerous because they target financial accounts directly.

Key takeaway:
 Scammers rely on trust in financial institutions to gain quick access to sensitive information.

What Nomorobo is seeing (real data)

  • Nomorobo’s honeypot network shows:

    • A steady increase in bank impersonation scams
    • Frequent use of “fraud alert” messaging
    • Growing use of multi-step attacks (call + text verification scams)
    Trend:
     Scammers are combining phone calls with text messages to capture verification codes and bypass security measures.

Frequently Asked Questions

1Does Bank of America call customers about fraud?
Yes, but they will not ask for your password, full account details, or one-time verification codes.
2Can scammers spoof Bank of America’s number?
Yes. Caller ID spoofing can make it appear as if the call is coming from the bank.
3What is a verification code scam?
Scammers trick you into sharing a one-time code sent to your phone, allowing them to access your account.
4What should I do if I already shared information?
Contact Bank of America immediately and secure your account.
5How did scammers get my number?
They use large datasets of phone numbers, often from breaches or automated dialing systems.

Related scams

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