855 area code scam calls and texts: what to do
Quick answer
A toll-free number such as 855 is not a scam by itself: businesses and agencies use these prefixes. But scammers can fake any caller ID, so don't trust the number. Don't press buttons or call back. Look up the company's number yourself and report the call at reportfraud.ftc.gov.
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How it works
Toll-free prefixes (800, 833, 844, 855, 866, 877 and 888) are free for the caller to dial and look like a real business line. That's why scammers like them. Scammers can make any name or number show up on your caller ID, a trick called spoofing, so a toll-free number on your screen proves nothing about who is calling.
The call, voicemail or text usually follows a script:
- A fake alert from your bank, card issuer or a store. It says there's suspicious activity or an unpaid order, and asks you to press a key or call back to "verify".
- A fake support or subscription line. A message says a charge is about to go through and gives a number to call to cancel it.
- A fake agency call. The caller claims to be from a government office and says you owe money or face a penalty.
What they're after is money, login codes, account details or remote access to your device. The FTC advises not to respond in any way to an illegal robocall, and not to press buttons to speak to someone or be taken off the list. Pressing a key tells the scammer your number is live.
Red flags
- An unexpected call, voicemail or text from a toll-free number about a problem you didn't know about
- A request to press a key, call back or reply to "verify" or "cancel"
- Pressure to act right now, or a threat of a fine, arrest or closed account
- A request for payment by gift card, wire transfer, crypto or payment app
- Someone asking for a one-time code sent to your phone
- A caller ID that looks right: it can be faked
Example message
Automated voice: This is the fraud department. We noticed a suspicious charge on your account. Press 1 to speak to an agent, or call [phone number] now to stop the payment.
What to do
- 1
Don't press anything or call back
Hang up, or delete the text or voicemail. Don't use any number or link in the message.
- 2
Check with the company yourself
Find the company's number on its website or on the back of your card and call that. Ask whether there's a real problem.
- 3
If you paid, contact your bank or the payment app now
Say it was fraud and ask them to reverse or stop the payment. Payment apps and gift cards are hard to get back, so speed matters.
- 4
If you shared codes or logins, lock down the account
Change the password, turn on two-step verification, and call your bank if card or account numbers were involved. Consider a credit freeze if you shared your Social Security number.
- 5
Block the number and report it
Block it on your phone. Report the number that called, the number on your caller ID and any number they told you to call, as the FTC advises.
Report it
Check if your details are exposed with Serus
Scammers find your number and address on data brokers and people-search sites. Serus removes them.
Why you got it
Scammers often have your name or the bank you use before they call, which is what makes a toll-free "fraud alert" sound real. That kind of detail comes from people-search sites, data brokers and breaches. Serus finds where your phone number and address are listed and removes them, and alerts you when your details show up in a breach, so fewer scammers can reach you with a convincing script.
Frequently asked
Is a call from 855 always a scam?
No. Real businesses and agencies use toll-free numbers. But a toll-free number on caller ID can be faked, so check the company's real number yourself before you respond.
Should I call the number back to see who it is?
No. Look up the company's number on its official website or your card and call that instead.
Can scammers fake the number on my caller ID?
Yes. The FTC says scammers can make any name or number show up on caller ID, so a familiar or official-looking number doesn't prove who is calling.
What does pressing a key do?
The FTC advises not to press buttons on an illegal robocall. It can mark your number as active and lead to more calls.
Sources
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