According to the FCC, the scam begins as soon as a person answers the phone. A recorded voice or an actual person asks: "Can you hear me?" And the consumer responds, "Yes."
"The caller then records the consumer's 'Yes' response and thus obtains a voice signature. This signature can later be used by the scammers to pretend to be the consumer and authorize fraudulent charges via telephone," an FCC news release said.
Teresa Thomas, 49, of Minneapolis, Minnesota, said today that she'd received a similar phone call about a month ago.
"The person on the other line sounded like a young woman. She was giggling and she said: 'Oh, I didn't expect you to pick up! Can you hear me?'" Thomas said. "Which, of course, if someone asks if you can hear them, I said the logical thing and I said 'Yes.' And she proceeded to talk."
Thomas said she soon realized that the caller was a recording, hung up the call and then blocked the phone number. The next day, she learned of the scam on social media.
The FCC advised consumers to immediately hang up if they receive this type of call. It also said that if consumers had responded "Yes" to a similar call in the past, they should keep an eye on all financial statements for any unauthorized charges.
"I have not seen anything negative happen from that but it's just good to be aware," Thomas said.
The FCC also shared the following tips:
1. Don't answer calls from unknown numbers. Let them go to voicemail.
2. If you answer and the caller (often a recording) asks you to hit a button to stop receiving calls, just hang up. Scammers often use these tricks to identify, and then target, live respondents.
3. If you receive a scam call, write down the number and file a complaint with the FCC so we can help identify and take appropriate action to help consumers targeted by illegal callers.
ABC News' Whitney T. Lloyd and Kelley Robinson contributed to this story.