Scammers are getting smarter—here is how to stay ahead

Tax season has always been a high-traffic period for scammers, but in 2026, the stakes have evolved. While you are focused on filing accurately, bad actors are leveraging advanced technology to bypass traditional red flags. According to the Kaplan Collection Agency, tax-related scams have surged by over 300% since 2020.

At Verizon, we act as your helpful guide to ensure your personal data remains under your control. Staying safe requires more than just caution; it requires a proactive "digital armor" built on the latest cybersecurity insights.

The era of "obvious" scams marked by robotic voices and glaring typos, is largely over. Today’s scammers use Generative AI to craft perfect, personalized communications.

Data from AARP reveals a troubling trend: Black and Latino communities are often targeted nearly twice as often as others. This isn't just a technical issue; it's a human one. Scammers are now using "voice cloning" technology to mimic the speech patterns and emotional urgency of loved ones in distress.

Beyond fraudulent calls and texts, it is important to understand the value of your mobile number itself. One sophisticated tactic scammers use is SIM Swapping, where they attempt to transfer your phone number to a device they control to gain access to your accounts.

To stay ahead, we suggest treating your digital identity with the same care you give your physical home. As Vandana Venkatesh, Executive Vice President and Chief Legal Officer for Verizon, recently shared with AARP regarding account security:

• Activate Number Lock: Use the My Verizon app to lock your mobile number, preventing it from being transferred without your explicit authorization.
• Audit Your Windows: Ensure your Verizon account is protected by a unique, complex PIN that isn't reused on other sites.
• Set the Alarm: Enable real-time alerts so you are notified immediately of any changes to your account settings.

While no tool offers 100% protection, these strategic steps create layers of defense that AI-driven scams find difficult to beat.

1. Implement a family secret word
   Think of this as your personal human-centric passcode. Because AI can now clone a relative's voice from just a few seconds of audio found on social media, you cannot always trust your ears. If you receive a suspicious emergency call, ask for the secret word. If the caller doesn't know it, hang up immediately.
2. Prioritize encrypted data over public Wi-Fi
   Public Wi-Fi is often an invitation for hackers to intercept sensitive tax documents. Your Verizon connection is private and encrypted. When filing taxes or banking, for example, turn off public Wi-Fi and use your cellular data to keep your information behind a digital lock and key. A Virtual Private Network (VPN) can also be used to add an extra layer of encryption while using your device.
3. Use the silent treatment for unknown callers
   Modern scammers use automated systems that only trigger a human connection once they hear a voice. If you don't recognize a number, let it go to voicemail. If you do answer, wait a full second before speaking. If it's a bot, it will typically disconnect.
4. Deploy real-time security tools
   You shouldn't have to be a tech expert to stay safe. Tools like the Verizon Digital Secure app function as a digital bodyguard, scanning for malicious links in real-time. For those who need recovery help, Identity Secure provides 24/7 access to experts who can help remediate identity theft.