If you answered an unwanted call, do not panic. Simply answering a call does not usually give a caller access to your phone or bank account. What matters most is what happened during the conversation.
If you hung up immediately
You usually do not need to do anything beyond blocking the number if calls continue. Be cautious about calling back, especially if the call was unexpected and no clear message was left.
If you spoke but shared nothing sensitive
You can end future calls, block the number, and use your provider’s spam-filtering tools. Do not press buttons or follow instructions just because a recorded message tells you to.
If you shared personal information
If you disclosed a password, change it through the official website or app. If you gave banking or payment information, contact your financial institution using a trusted number. If you shared a one-time code, contact the relevant service promptly and review account activity.
If you installed software
If a caller persuaded you to install remote-access software, disconnect the session and seek trusted technical help. Change important passwords from a device you believe is secure and contact your bank if financial accounts may have been exposed.
Document and report
Keep the date, time, displayed number, voicemail, and a brief summary of what happened. Report suspected fraud to the Canadian Anti-Fraud Centre. You can also search the displayed number on CallCheck.ca for community reports.
Do not assume the caller’s displayed number identifies the person responsible. Number spoofing is possible.
A calm response is usually best: end the call, secure anything you may have exposed, and verify claims through official channels.