LAS VEGAS (KTNV) — Unsolicited calls aren’t just annoying, they can be dangerous, especially to your bank account.

The FBI is warning about a sophisticated scam, known as the Phantom Hacker, that’s already stolen more than a billion dollars nationwide since last year, with older Americans most at risk.

The scam unfolds in three phases, each designed to trick victims into handing over personal and financial information.

WATCH | Shakeria Hawkins breaks down how it happens so you can keep your information safe: FBI warns of “Phantom Hacker” Scam draining life savings

Las Vegas resident Miyoko Williams says she’s experienced bank fraud before — and knows how quickly it can happen.

“$49, $99, 10 cents, 9 cents — and I didn’t realize it until I saw my bank account was negative. I was lik

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