AI-generated voices can sound shockingly human. Learn the red flags of AI voice scams, what to do if you receive a suspicious call, and how Credit Union of Texas helps protect members from emerging fraud.
Quick takeaways
- AI voice scams can sound natural, polite, and responsive—sometimes indistinguishable from a real person.
- Listen for response delays, unusually calm/patient behavior, and sudden voice changes.
- Never share one-time passcodes, account details, or payment info over an unexpected call.
- If unsure, hang up, verify independently using official contact info, and call CUTX directly.
AI voice scams are getting more convincing
Artificial intelligence has made our lives easier in many ways—but unfortunately, scammers are using the same technology to become more convincing than ever.
In 2025, nearly 1 in 10 adults reported experiencing an AI voice scam, and 77% of those victims suffered a financial loss. What makes these scams especially dangerous is how human they sound.
At Credit Union of Texas (CUTX), protecting our members means staying ahead of emerging threats. One of the fastest-growing risks today is AI-generated voice scams—and knowing what to listen for can save you money, stress, and frustration.
Why AI voice scams are so effective
Modern voice AI is no longer robotic or monotone. In fact, studies show most people cannot reliably tell the difference between a real human voice and an AI-generated one.
Fraud investigations have revealed that many scams now use a hybrid approach:
- An AI voice bot places thousands of calls efficiently.
- The bot listens and responds dynamically, screening for more trusting or compliant targets.
- Once a victim is engaged, the call is transferred to a live scammer who finishes the fraud.
This method allows criminals to reach more people, faster, while using fewer resources—and it’s working.
A real-world example: the “lottery” call
In one recent case analyzed by fraud experts, victims received calls claiming they had won an $18 million lottery prize. The AI voice sounded confident, polite, and responsive—able to react naturally to questions and even repeat information more slowly when asked.
The giveaway wasn’t what the scammer said—but how it was said.
How to recognize an AI bot voice
While AI voices are improving rapidly, there are still subtle clues you can listen for. Use this checklist to spot a possible AI voice scam, voice cloning, or deepfake phone call:
- Sudden changes in voice or style
If a call starts one way and suddenly sounds different—such as a shift in pacing, tone, or personality—it may indicate the call was transferred from an AI bot to a live scammer. - Slight delays before responses
AI systems often need a moment to process what you say. This can sound like a brief pause before each response. Some scammers try to hide this by adding background sounds (like typing), but repeated pauses are still a red flag. - Too polished, too patient
AI voices don’t get flustered. They won’t interrupt you, argue, or sound rushed. If the caller seems unusually calm, perfectly responsive, and endlessly patient, be cautious. - Requests for payment or “verification”
No legitimate lottery, bank, or government agency will ask you to pay fees, provide one-time passcodes, or share account information over the phone.
What you should do if you get a suspicious call
- Hang up. You do not owe the caller an explanation.
- Do not press buttons, speak commands, or provide information.
- Verify independently. If the call claims to be from a company or agency, look up the official number yourself and call back.
- Check the phone number online. Many scam numbers are reported on public scam-tracking sites.
- Report it. Suspicious calls can be reported to the FTC at reportfraud.ftc.gov.
Fraud experts reported this specific scam to the FTC as part of ongoing efforts to disrupt these operations.
Our commitment to protecting members
Scammers evolve and so do we. At Credit Union of Texas, we actively monitor emerging fraud trends and share what we learn to help members stay informed and protected. If something doesn’t feel right, trust your instincts and contact us directly. We’re always here to help you verify, protect, and stay one step ahead.
When in doubt: stop, verify, and call CUTX directly.
FAQ
Can scammers really clone a person’s voice?
Yes. Some scams use AI to generate realistic speech that can mimic a human voice. That’s why it’s important to verify unexpected calls through official channels.
What’s the biggest red flag of an AI voice scam?
A combination of unexpected contact plus requests for sensitive information (like one-time passcodes, account info, or payment), especially when paired with urgency.
What should I do if someone claims to be from my bank or credit union?
Hang up and call back using the official number from the organization’s website, your statement, or the back of your card. Don’t use the number the caller provides.