Seeing calls from 364 and asking whether area code 364 is a scam? Area code 364 is a genuine U.S. area code serving western Kentucky — Bowling Green, Owensboro, and Paducah (overlay of 270). The code itself is safe, but scammers routinely spoof 364 numbers so their calls appear local and trustworthy. This guide covers the spam and text risks reported for 364, how to verify unknown callers, and how to block and report them.
✅ Quick Safety Verdict
Is 364 an official US area code? Yes—364 is a valid NANP area code serving western Kentucky. Is it safe to answer? Yes if you recognize the number. Because scammers spoof local 364 numbers, treat unexpected calls from unknown 364 numbers with caution and never share personal or financial details with an unverified caller.
Area Code 364 Fast Facts
| Detail | Information |
|---|---|
| Location Covered | western Kentucky — Bowling Green, Owensboro, and Paducah (overlay of 270) |
| Time Zone | Central Time (CT, UTC-6 / UTC-5) |
| Spoofing Risk Level | High |
| Official Carrier Info | Assigned under the NANP; overlays the 270 western Kentucky code. |
| Related Area Codes | 270 |
Common Scams Reported From Area Code 364
Neighborhood Spoofing
Scammers forge caller ID so a robocall appears to come from a local 364 number—sometimes matching your own first six digits—to boost the odds you answer. The real caller is often overseas or using an auto-dialer. If a “local” 364 call opens with a recording or a stranger asking for payment or personal data, hang up.
Phishing, Bank Impersonation & Impostor Scams
Fraudsters posing as your bank’s fraud department, the IRS, Social Security, or a utility company call from a 364 number claiming urgent action is required. They pressure you to “verify” account numbers, passwords, or one-time codes, or to pay with gift cards or wire transfer. Real institutions never demand those.
Text Message (SMS) / Smishing Alerts
Smishing texts from 364 numbers pose as package couriers, banks, or toll agencies with a link to “resolve” an issue. The links lead to fake login pages that harvest credentials. Do not tap links in unexpected texts; open the company’s app or type its website manually instead.
How to Identify & Verify Unknown Callers From 364
- Let it ring. Legitimate callers leave a voicemail; most scam auto-dialers do not.
- Search the number. Paste the full 10-digit number into a search engine or a reverse-lookup site to see if others reported it as spam.
- Check the location. A real 364 call should relate to western Kentucky. Compare it with our area code 364 reference and the Bowling Green area code guide.
- Call back on an official number. If a caller claims to be your bank or a government agency, hang up and dial the number printed on your card or the agency’s official website—never the number that called you.
- Never share codes. No legitimate caller needs a one-time passcode, PIN, or password read aloud.
How to Block Calls & Report Scams
Block on iPhone (iOS)
Open the Phone app → Recents → tap the ⓘ next to the 364 number → scroll down and tap Block this Caller. To silence all unknown numbers, go to Settings → Apps → Phone → Silence Unknown Callers.
Block on Android
Open the Phone app → Recents → press and hold the 364 number → tap Block / report spam. In Settings → Spam and Call Screen, enable See caller & spam ID to filter suspected scams automatically.
Report to the FTC & DoNotCall.gov
Register your number free at DoNotCall.gov (or call 1-888-382-1222), then report unwanted or scam calls at ReportFraud.ftc.gov. Reporting the offending 364 number helps regulators trace robocall campaigns. You can also forward scam texts to 7726 (SPAM) to alert your carrier.
Frequently Asked Questions
Is area code 364 a scam?
No. 364 is a real U.S. area code serving western Kentucky. Scammers do spoof 364 numbers, so judge each call on its content—not just the area code.
Why am I getting spam calls from 364?
Robocallers use neighbor spoofing to display a local 364 number so you are more likely to answer. The calls often originate elsewhere through auto-dialers.
Is it safe to answer calls from 364?
It is safe to answer numbers you recognize. For unknown 364 numbers, let them go to voicemail and never share personal or financial details with an unverified caller.
How do I stop 364 spam calls?
Block the number on your phone, enable your carrier’s spam filter, register at DoNotCall.gov, and report scam calls at ReportFraud.ftc.gov.
Related Guides
- Full number reference: area code 364
- Local area codes: Bowling Green area code guide
- Learn how caller-ID spoofing works and how to shut it down using the steps above.
More 364 & Related Resources
- Full number reference: 364 area code details.
- Local area codes: Bowling Green area code guide.
- Getting toll-free calls too? Compare our Toll-Free Numbers guides such as 800 and 888.
- More warnings in the Scam Alerts directory.