786 Area Code Scam Report
Miami, FL
The 786 area code covers Miami, FL and ranks #90 out of all U.S. area codes for scam call complaints. The FTC has logged 55,404 complaints from 25,785 unique phone numbers in the 786 prefix. The FCC independently recorded another 1,838 complaints, meaning people are reporting these numbers to multiple federal agencies.
But here is what makes 786 distinctive: 57.6% of victims are Florida residents, and 25% of victims have a 786 number themselves. This is a textbook neighbor spoofing pattern. Scammers fake a 786 caller ID because people in the Florida 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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786 Area Code at a Glance
55,404
2.1 per number avg
1,838
independent federal source
57.6%
target Florida residents
#90
of all U.S. area codes
Why Scammers Spoof 786 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 786 because it is a large, recognizable Florida area code. When your phone rings and shows a 786 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 786 numbers:
- 57.6% of victims are in Florida, confirming local targeting
- 25% of victims have a 786 number themselves, meaning scammers match the victim's own area code
- The remaining 42% of complaints come from all 50 states, showing these numbers also appear in broader campaigns
What 786 Scam Calls Are About
Not all 786 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 77.4%, meaning 8 out of 10 calls are robots. Reducing your debt (credit cards, mortgage, student loans) follows at 67.6%. If your phone rings from a 786 number and you hear a recorded message about debt, tech support, or a government agency, it is almost certainly spoofed.
Calls pretending to be government, businesses, or family and friends
6,491 complaints
58.3%
robocall rate
Medical & prescriptions
3,645 complaints
49.1%
robocall rate
Reducing your debt (credit cards, mortgage, student loans)
3,433 complaints
67.6%
robocall rate
Warranties & protection plans
2,325 complaints
77.4%
robocall rate
Energy, solar, & utilities
718 complaints
43.9%
robocall rate
Computer & technical support
616 complaints
48.9%
robocall rate
Most Reported 786 Numbers
These 786 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 786 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 786 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 Florida Scam Call Cluster
786 does not exist in isolation. The entire Florida metro shares five area codes, and scammers rotate through all of them. Combined, these codes account for 55,404 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 57.6%. This suggests 817 is used almost exclusively for neighbor spoofing, while 469 sees slightly more use in broader nationwide campaigns.
813
Tampa, FL
77,781 complaints
73% target Florida
407
Orlando, FL
76,227 complaints
68.1% target Florida
561
West Palm Beach, FL
70,284 complaints
67.7% target Florida
904
Jacksonville, FL
67,601 complaints
70.1% target Florida
727
St. Petersburg, FL
64,774 complaints
73.7% target Florida
239
Fort Myers, FL
62,195 complaints
58.8% target Florida
Where This Data Comes From
Every number on this page comes from federal complaint databases, not estimates or surveys. When you check a specific 786 number on ScamVerify™, we cross-reference these sources in real time along with carrier intelligence and community reports.
- FTC Do Not Call Registry - 55,404 complaints from 786 numbers. Consumers file these when they receive unwanted calls, especially from numbers on the Do Not Call list.
- FCC Consumer Complaints - 1,838 complaints from 786 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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