520 Area Code Scam Report
Tucson, AZ
The 520 area code covers Tucson, AZ and ranks #13 out of all U.S. area codes for scam call complaints. The FTC has logged 82,797 complaints from 39,103 unique phone numbers in the 520 prefix. The FCC independently recorded another 2,024 complaints, meaning people are reporting these numbers to multiple federal agencies.
But here is what makes 520 distinctive: 66.2% of victims are Arizona residents, and 45% of victims have a 520 number themselves. This is a textbook neighbor spoofing pattern. Scammers fake a 520 caller ID because people in the Arizona 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.
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520 Area Code at a Glance
82,797
2.1 per number avg
2,024
independent federal source
66.2%
target Arizona residents
#13
of all U.S. area codes
Why Scammers Spoof 520 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 520 because it is a large, recognizable Arizona area code. When your phone rings and shows a 520 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 520 numbers:
- 66.2% of victims are in Arizona, confirming local targeting
- 45% of victims have a 520 number themselves, meaning scammers match the victim's own area code
- The remaining 34% of complaints come from all 50 states, showing these numbers also appear in broader campaigns
What 520 Scam Calls Are About
Not all 520 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 81.8%, meaning 8 out of 10 calls are robots. Reducing your debt (credit cards, mortgage, student loans) follows at 77.3%. If your phone rings from a 520 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)
5,806 complaints
77.3%
robocall rate
Calls pretending to be government, businesses, or family and friends
5,471 complaints
66.6%
robocall rate
Medical & prescriptions
4,914 complaints
51.1%
robocall rate
Warranties & protection plans
3,360 complaints
81.8%
robocall rate
Energy, solar, & utilities
1,318 complaints
32%
robocall rate
Vacation & timeshares
533 complaints
63.4%
robocall rate
Most Reported 520 Numbers
These 520 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 520 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 520 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.
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The Arizona Scam Call Cluster
520 does not exist in isolation. The entire Arizona metro shares five area codes, and scammers rotate through all of them. Combined, these codes account for 82,797 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 66.2%. This suggests 817 is used almost exclusively for neighbor spoofing, while 469 sees slightly more use in broader nationwide campaigns.
Where This Data Comes From
Every number on this page comes from federal complaint databases, not estimates or surveys. When you check a specific 520 number on ScamVerify™, we cross-reference these sources in real time along with carrier intelligence and community reports.
- FTC Do Not Call Registry - 82,797 complaints from 520 numbers. Consumers file these when they receive unwanted calls, especially from numbers on the Do Not Call list.
- FCC Consumer Complaints - 2,024 complaints from 520 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.
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