AI Voice Scams: How to Verify It’s Actually Family or Friends Calling

June 30, 2026 • By Clarissa Hartono, CFP®

By this point, most of us have seen an online video that was entirely generated by artificial intelligence (AI). Now, scammers are using AI to mimic voices, making phone scams very convincing. As technology continues to evolve, so do the tactics scammers use.

In this article, we’re going to lay out a few ways you can verify whether the call you have received is truly from someone you know or from a scammer.

1. Hang Up and Call Back 

If you receive a suspicious call, even if the voice sounds familiar, the safest approach is to end the phone call and call the person or organization back using a trusted phone number. A trusted phone number is one that is already in your contacts or is easily found on the organization’s official website.

For example, if the caller claims to be a family member in distress, call them back using the known phone number in your contacts. If the caller claims to be from your bank, use the phone number listed on the back of your credit card to call them back.

It’s always better to be safe than sorry, and a legitimate caller will understand your caution.

2. Ask Unscripted Questions

While AI voice technology can get the sound of a real human pretty well, it can still struggle with unexpected questions.

If you suspect that a call may not be legitimate, ask questions that only a real person would know. For example:

• What’s the nickname we use for Grandma?

• What did we have for dinner last night?

• What is my pet’s name?

• What’s my favorite color?

3. The Safe-Word Test

Families and close friends may want to establish a “safe word” known only within your chosen circles.

If you receive a distress call from someone claiming to be someone you know, ask them for the safe word. If they struggle to provide the safe word, that may be a strong indication that the call is not legitimate.

4. Slow Down and Listen Carefully

Most scammers like to create a sense of urgency or panic, leaving less time for your brain to process what is happening. When emotions run high, it becomes easier to make rushed, uninformed decisions.

Before taking action, pause and gather information from your other family members and friends. Never allow the caller to pressure you into sending money right away.

It is also important to listen carefully to the caller’s voice, as there may be odd pauses or erratic breathing. Explosive consonants like “p” and “t” may be harder for AI voices to generate.

Final Thoughts

AI technology may offer many benefits, but it also has created new methods of fraud. Maintaining a healthy level of skepticism and verifying information before making any financial decisions can significantly reduce your risk.

If you’re a client and think you may have received a suspicious call regarding your finances and/or accounts, please contact our office at 714-738-0220 before taking action. At Eclectic, we are always happy to help you evaluate the situation and protect your financial well-being.

Interested in learning how a financial advisor can help you organize and protect your finances? Click here to schedule an introductory call with one of our advisors.