📞 Call Merging Scam and How to React Against It: A Comprehensive and Brief Guide

 

In today's digital age, cybercriminals are constantly evolving new techniques. One of the latest threats is the Call Merging Scam. This scam uses phone-based social engineering to extract sensitive information or money from unsuspecting victims. In this guide, we explain how it works, how to identify it, and how to stay safe.

❓ What is a Call Merging Scam?

A Call Merging Scam is a phone-based fraud where scammers persuade you to merge an ongoing call with a third party—usually claiming it’s a bank, police, or government official. In reality, both callers are scammers working together to trick you into revealing personal or financial information.

📉 How Does This Scam Typically Work?

1. Initial Contact

You receive a call from someone pretending to be from your bank, law enforcement, or service provider. They may use spoofed caller IDs to appear legitimate.

2. Creating Panic or Urgency

The scammer claims your account is compromised, or that you’re under legal threat, and insists on immediate action.

3. Request to Merge Calls

You’re asked to add another “senior officer” or “verification team member” via call merge. The third party joins and continues the deception.

4. Extraction of Sensitive Data

Together, the scammers manipulate you into sharing OTP, banking details, or making transactions—often resulting in financial loss.

🛡️ How to React Against Call Merging Scams

✅ Immediate Steps:

·         Hang up if anyone asks you to merge a call.

·         Do not share OTPs, CVV, PINs, or passwords over calls.

·         Refuse call merging, especially with unknown numbers.

📞 Verification Measures:

·         Always call back on official numbers listed on the company’s website.

·         Double-check with family members before taking any financial steps.

·         Verify caller identity independently through official customer support.

🚨 Where to Report Call Merging Scams

·         India: Report at www.cybercrime.gov.in or call 1930.

·         USA: Report to FTC.gov or call 1-877-382-4357.

·         Other Countries: Contact your national cybercrime or fraud reporting center.

🔒 Cyber Safety Tips to Prevent Call Merging Fraud

·         ✅ Enable Caller ID & Spam Detection on your smartphone.

·         ✅ Use Call-Blocking Apps to block scam numbers.

·         ✅ Educate Family Members (especially elderly people) about such scams.

·         ✅ Don’t fall for urgency or legal threats over a call.

·         ✅ Keep software and apps updated to detect malicious activity.

📢 Final Thoughts

The Call Merging Scam is a dangerous trick that relies on trust and fear. Awareness and caution are the best tools to stay protected. Never merge calls unless you’re absolutely sure of both parties, and always verify information independently.

Stay informed. Stay alert. Stay cyber-safe! 🔐