SIM swap scam drained Florida woman's bank account in minutes

"I realized that I had nothing," Escriva said. "Either you get a text message, a WhatsApp message, an email or a phone call. I had nothing." That silence was the first warning.

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Escriva shared her experience on my Beyond Connected podcast at getbeyondconnected.com, where she walked through how quickly everything unraveled.

Escriva was babysitting when her phone suddenly went quiet. No notifications. No signal. It felt off right away.

She connected to Wi-Fi to check what was going on. That's when everything hit at once. "The first one was, you added a new device to your account," she said. "And then two seconds later, you just changed your password."

Then came the financial alerts. "Let me tell you, my heart stopped," she said. "I start getting emails like $1,500, $800."

Within minutes, someone had taken control of her accounts and started spending. That speed is what makes this type of attack so dangerous.

Here's how it usually works:

That last step is the key. Many accounts rely on text message codes for login security. Once a hacker controls your number, they can reset passwords and take over accounts fast. In some cases, accounts are drained within hours.

In Escriva's case, the damage started immediately. "They were using my money... from their checking account to pay the credit cards to keep using the credit card," she said. Even after reporting the issue, it took days to regain control of her number. "They took three days in order to get my phone number...back," she said.

SIM swap scams don't always start with obvious red flags. The first sign can feel small.

Here are signals you should never ignore:

Escriva now urges people to act fast when something feels off. "If you see you have nothing going on on your phone, make a phone call," she said. "If that phone call doesn't go through... you're being hacked."

While Patricia lost thousands of dollars to the scammer, her bank ultimately restored all of her money.

Call your carrier and ask for a SIM lock or port-out PIN. This adds a layer of protection before your number can be moved.

Every account should have its own password. A password manager can help you generate and store them securely. Check out the best expert-reviewed password managers of 2026 at CyberGuy.com.

Enable notifications for logins, password changes and transactions. The faster you spot suspicious activity, the better.

Your personal information is often available on data broker sites. Removing it with a data removal service reduces what scammers can use against you. Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting CyberGuy.com.

These services can monitor your personal data, alert you to suspicious activity and help you recover more quickly if your information is misused. They can also flag when your data appears in known breaches. See my tips and best picks on Best Identity Theft Protection at CyberGuy.com.

Don't wait. Use another phone and call your carrier and bank right away. Lock everything down as fast as possible.

If your phone suddenly lost service right now, would you know exactly what to do next?  Let us know by writing to us at CyberGuy.com.

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