Scam warning
Phone Number Takeover
A criminal tricks your phone company into moving your phone number to their phone. Now they get your calls and texts, including the security codes your bank sends, and can break into your accounts.
Also called: SIM swap, Port-out scam, Phone hijacking
The one thing to remember
Set up a PIN or passcode with your phone company today, so no one can move your number without it.
How it happens
- The criminal gathers your name, address and other details.
- They call or visit your phone company, pretending to be you.
- Your number moves to their phone. Your phone loses service.
- They use texted codes to reset your passwords and empty your accounts.
Warning signs
- Your phone suddenly loses service, but others nearby have signal.
- Texts or emails about a SIM change you didn't ask for.
- Being locked out of your email or bank.
What to do
- If your phone suddenly has no service, use another phone to call your phone company right away.
- Ask your phone company to add a PIN and “port-out” or “number lock” protection.
- Use an authenticator app instead of text message codes where you can. Ask someone you trust to help set it up.
- Call your bank if your phone was taken over.
Last checked: October 31, 2026