Scammers often impersonate trusted authorities—such as the IRS, your bank, a utility company or law enforcement—and create urgency by claiming you owe money, face a penalty or must act immediately. Don’t trust caller ID, which can be spoofed. Hang up and contact the organization yourself using the number on its official website, statement or bank card. Never provide passwords, verification codes, Social Security or banking information, or remote access to your computer in response to an unsolicited call, text or email.