Think saying “yes” is harmless? That little word on a phone call could come back to ruin your finances—or worse. Scammers are using the say yes scam to record consent, then charge you or bind you to unwanted services. By knowing these five clever tricks, you can protect yourself from accidentally giving permission. Let’s dive into how a simple “yes” can open a can of trouble—and how to stop it in its tracks.
1. “Can You Hear Me?” Questions Lead to Recorded Consent
One of the oldest versions of the say yes scam begins with a friendly, “Can you hear me?” On the surface, it seems innocent, but if you respond “yes,” the scammers use that recording later as “proof” of authorization. The Federal Communications Commission and BBB have issued alerts about this style of scam. Although no direct cases tie it to large financial loss, scammers leverage voice recordings to pressure victims later. If a caller starts with surprise questions early in the call, treat it as a red flag.
2. Your “Yes” Could Authorize Charges on Your Card
Scammers sometimes combine the say yes scam with pre-loaded card data. They pose as a financial institution and claim your card was used, then ask if you want to cancel or reactivate it. If you say “yes,” they record it and later push through charges, claiming you authorized them. Some fraud schemes, like those by Inc21, actually doctored voice recordings saying “yes” to justify charges. That simple agreement could give them leverage to dispute your objections later.
3. Posing as Utility or Insurance Companies
Another version of the say yes scam has scammers play pretend utility or warranty agents. They might ask, “Do you want to renew?” or “Are you the homeowner?” and record your “yes.” Later, they use that clip to claim you agreed to monthly billing or to harvest personal data. Even if billing agencies find the claim dubious, it gives scammers a head start in a believable con. Always deflect with a question: “Who is this, and what evidence do you have that I requested this?”
4. Voiceprint Terms Tied to Services
Some companies now use voice as part of login and authorization. The say yes scam may involve scammers collecting your voiceprint to gain access to accounts. Expert commentary explains voice IDs aren’t universal—but where they’re in use, a recorded “yes” could provide entry. Even if not legally binding, fraudsters may claim they can use it to authenticate. Unless you’re using voice ID services, stay defensive whenever calls push for verbal agreement.
5. Fake Terms & Conditions Read-Aloud Setup
Scammers sometimes read mock terms and then ask, “Do you agree?” It sounds like a legit contract scenario, but it’s part of the say yes scam trick. Fraudsters may record a single “yes” and combine it with doctored recordings. They then threaten legal action, saying, “You said yes, so you agreed,” even if the context was faked. The fact is, verbal agreements can be legally binding, especially if the scammer provides evidence. Never say “yes” without full clarity about what you’re agreeing to.
How to Outsmart the “Say Yes Scam”
The say yes scam may sound trivial, but it leverages your own voice as a weapon. To avoid the trap, never answer unknown calls with “yes.” Instead, respond with clarifying questions like, “Who’s calling?” or “What is this about?” Better yet, hang up and call the organization directly using a trusted number. If they reference a previous “agreement,” ask for written evidence; documented proof should always come before money or personal data.
A Clear Voice Is Your Best Defense
Saying “yes” should start conversations, not end them with fees or phishing. The say yes scam plays on surprise, anxiety, and convenience. Keep your voice—and your boundaries—firm to protect your identity and privacy. One smart question instead of “yes” can save you a headache and a stolen account. In a world of tricks, your awareness is the ultimate contract breaker.
Have you ever been in a “say yes scam” call, or know someone who has? Share your experience and help others avoid the trap!
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