320 Area Code Scam Report
Area Code 320
Updated Jun 28, 2026 · FTC complaint data
The 320 area code covers Area Code 320 and ranks #252 out of all U.S. area codes for scam call complaints. The FTC has logged 24,491 complaints from 12,343 unique phone numbers in the 320 prefix. The FCC independently recorded another 692 complaints, meaning people are reporting these numbers to multiple federal agencies.
But here is what makes 320 distinctive: 42.2% of victims are Minnesota residents, and 23% of victims have a 320 number themselves. This is a textbook neighbor spoofing pattern. Scammers fake a 320 caller ID because people in the Minnesota area are far more likely to answer a call that looks like it is coming from their own neighborhood. The number on your screen is fabricated.
Got a call from a 320 number?
Tell Ava what happened and she checks it against 25,183 federal complaints and real-time carrier data, then tells you exactly what you are dealing with.
320 Area Code at a Glance
24,491
2 per number avg
692
independent federal source
42.2%
target Minnesota residents
#252
of all U.S. area codes
Why Scammers Spoof 320 Numbers
Caller ID spoofing is trivially easy with modern VoIP technology. Scammers operating from anywhere in the world can make your phone display any number they choose. They pick 320 because it is a large, recognizable Minnesota area code. When your phone rings and shows a 320 number, your instinct is that it might be a local business, a doctor's office, or someone you know. That instinct is exactly what scammers exploit.
The data confirms this. Of all FTC complaints about 320 numbers:
- 42.2% of victims are in Minnesota, confirming local targeting
- 23% of victims have a 320 number themselves, meaning scammers match the victim's own area code
- The remaining 58% of complaints come from all 50 states, showing these numbers also appear in broader campaigns
What 320 Scam Calls Are About
Not all 320 scam calls run the same playbook. The FTC categorizes complaints by subject, and the automation rate (robocall percentage) reveals which scams are run by machines versus live callers.
Warranties & protection plans scams have the highest automation rate at 88.4%, meaning 9 out of 10 calls are robots. Reducing your debt (credit cards, mortgage, student loans) follows at 88.2%. If your phone rings from a 320 number and you hear a recorded message about debt, tech support, or a government agency, it is almost certainly spoofed.
Reducing your debt (credit cards, mortgage, student loans)
3,579 complaints
88.2%
robocall rate
Calls pretending to be government, businesses, or family and friends
2,127 complaints
74.8%
robocall rate
Warranties & protection plans
1,455 complaints
88.4%
robocall rate
Medical & prescriptions
959 complaints
52.8%
robocall rate
Charities
368 complaints
46.7%
robocall rate
Computer & technical support
173 complaints
70.5%
robocall rate
Most Reported 320 Numbers
These 320 numbers have the highest FTC complaint counts. Click any number to see the full scam report with carrier data, complaint history, and AI risk analysis.
What to Do If You Get a Call from a 320 Number
If you did not answer
Do not call back. Scammers spoof real people's numbers, so calling back may reach an innocent person. Instead, check the number on ScamVerify™ to see if it has been reported. If there is no voicemail, it was almost certainly a robocall.
If you answered
Hang up immediately if you hear a recorded message. If a live person asks for personal information, payment, or claims to be from the IRS, Social Security, or your bank, do not engage. Legitimate agencies do not cold-call demanding immediate payment. Check the number below, then report it to the FTC at donotcall.gov.
Remember: the number is not real
The 320 number that appeared on your screen was almost certainly spoofed. The actual caller could be anywhere. This is why blocking individual numbers has limited value. Scammers generate thousands of spoofed numbers and discard them after a few calls.
Related Articles
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The Minnesota Scam Call Cluster
320 does not exist in isolation. The entire Minnesota metro shares five area codes, and scammers rotate through all of them. Combined, these codes account for 24,491 FTC complaints, making DFW one of the most spoofed metro areas in the country.
Fort Worth's 817 has the highest in-state targeting rate at 84%, while 469 sits at 42.2%. This suggests 817 is used almost exclusively for neighbor spoofing, while 469 sees slightly more use in broader nationwide campaigns.
651
Area Code 651
35,307 complaints
76.6% target Minnesota
612
Area Code 612
30,505 complaints
71.1% target Minnesota
218
Area Code 218
27,871 complaints
50.4% target Minnesota
507
Area Code 507
22,824 complaints
66.9% target Minnesota
763
Area Code 763
20,179 complaints
70% target Minnesota
952
Area Code 952
16,511 complaints
71.6% target Minnesota
Where This Data Comes From
Every number on this page comes from federal complaint databases, not estimates or surveys. When you check a specific 320 number on ScamVerify™, we cross-reference these sources in real time along with carrier intelligence and community reports.
- FTC Do Not Call Registry - 24,491 complaints from 320 numbers. Consumers file these when they receive unwanted calls, especially from numbers on the Do Not Call list.
- FCC Consumer Complaints - 692 complaints from 320 numbers. An independent federal source that corroborates the FTC data.
- Carrier Intelligence - Real-time caller ID verification, line type detection, and STIR/SHAKEN attestation available when you check a specific number.