Call Merge Fraud Alert! Learn How Scammers Trick You and How to Stay Safe

What is a Call Merging Scam? 

• A call merging scam is when a scammer tricks you into joining two calls together. They may call you first pretending to be from your bank, police, or a company. Then, they ask you to “merge” another call (like a call from a customer care or relative).
•  After merging, they stay silent while you speak to the third person—this lets them listen and steal personal info or fool the other person using your voice or number.

How to Prevent Call Merging Scams?

1. Don’t Trust Unknown Callers

• If someone calls and says they are from your bank, mobile company, or police—don’t blindly believe them.
• Scammers often sound professional and speak your language well.
• Even if they know your name or phone number, be careful—this info is easy to get.

 What to do:
Hang up and call the official number yourself from your bank/card/company’s website.

2. Never Merge Calls for Strangers

• Scammers may say things like:
• “We need to verify your identity, please add another person to this call.”
• “We are transferring your call, please merge the incoming call.”

This is a trap.
Merging lets the scammer listen secretly or use your number to fool someone else.

 What to do:
Say no. Hang up and call back using a trusted number if you really want to continue.

3. Don’t Share Personal or Bank Info on Calls

• Never tell anyone your:
• OTP
• Debit/credit card number
• PIN or CVV
• Aadhar number or PAN
• Bank balance or passwords

 Real companies NEVER ask for this info on a call. If someone asks—it's a scam.

4. Use Caller ID Apps like Truecaller

• Apps like Truecaller, Hiya, or your phone’s built-in spam filter can warn you about scam or spam numbers.
• These apps show if a number is marked as “fraud” or “scam” by other users.

 Keep such apps updated for best protection. 

5. Turn Off Conference Calling If Not Needed

• If your mobile operator allows, you can ask them to disable the “Call Merge” or conference feature.
• This way, you can’t accidentally merge calls even if someone tricks you.

 Contact your mobile operator’s customer care to request this. 

6. Report the Scam Immediately

• In India, dial 1930 or visit cybercrime.gov.in to report any call scam.
• Report to your bank too if you shared any detail by mistake.

 Early action can help save your money and stop scammers.

Bonus Tip:

Suppose you get a call:

“Hello, I’m from SBI Bank. We saw suspicious activity in your account. Please merge the next call with our senior manager.”

You merge the call and the other person says, “Yes, I’m from the fraud team. Please confirm your card number and OTP.”

 This is a scam. They are recording your call, using your number to fool others, or stealing your info.

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