This FBI warning is clearNurPhoto via Getty ImagesBe careful its getting ever more dangerous out there. Were not yet through month one of 2025, and the AI-fueled cyber attacks we were warned would dominate this year are already in full flight. And while there are some macro-level threats Chinese hackers compromising our networks and Chinese AI compromising our phones, youre still most at risk from your own mistakes as you let your guard down against the influx of everyday threats.So it is with the wave of phantom hacker attacks currently targeting Apple and Android products, which the FBI has warned is growing rapidly, and which relies on a spoofed call from a victims bank tricking them into transferring money to stop it being stolen by a non-existent (phantom) hacker. And they may even be able to spoof that banks phone number, the bureau warns, so the number on your caller ID or cell phone might show that its the bank.This spoofed call threat is expanding rapidly, and has maybe reached peak-2025 already, with a hacking-savvy engineer almost caught out by an attack spoofing Googles support numbers, which he described as the most sophisticated phishing attack Ive ever seen. It should serve as a clear warning that you cant believe what you see and need to stick to basic advice.And on that note theres a common theme. Google has confirmed it wont proactively call users to troubleshoot technical issues, per this latest AI attack; and in the highest profile recent Phantom Hacker attack, the bank involved told its account holders to remember that Bank of America will never contact you to request that you move money to protect yourself from fraud.MORE FOR YOUMicrosoft has just revealed a new update for Windows users that uses its own AI to hit this threat head-on, intercepting such scareware attacks targeting PCs with fradulent support calls. "The FBI reports that victims lose over a billion dollars per year to tech support and related scams, Microsoft warned in its post, linking to the bureaus advisory on how to stay safe.The FBIs warning could not be clearer: Legitimate customer, security, or tech support companies will not initiate unsolicited contact with individuals. There are no exceptions. None.Tech platforms are responding to this threat now. Google has introduced call defense to the latest version of Android, than can listen into calls using on-device AI and flag a likely scam, it has also prevented users from being talked into disabling Androids sideloading protection while on calls to prevent malicious apps being installed.It doesnt matter what email address or phone number contacts you. If its unsolicited, if its out of the blue, if you have not explicitly reached out first, assume its a scam. Dont take the call hang up. Its not your bank, its not Microsoft or Google or Apple or anyone else. Its a sharp-talking, hardened scammer and the longer you talk to them the more likely it is that you and your money will be parting company.Heed the FBIs advice at all times. It really is that simple.