The scammer might send you a text message. Or email. Someone might call your landline or mobile phone. The scammer might report a big charge on your account.
There is NO URGENCY TO ACT.
If you pickup the phone, get a call-back number, get a case number, get a name. Jot down the day, time and phone number from the list of Recent calls on your iPhone.
DO NOT take an incoming call from a bank or from Apple at this time. You want to make the call based on your records / bill to the company phone number for such communication.
If this was a report about a credit card charge, look for the charged amount by calling the number on the back of your credit card or use the credit card app on your iPhone to check on recent activity. If you use Apple Pay or have credit cards apps on your iPhone, check for activity. Set notification alerts for spending over ... $100 (any amount you choose) so you are always in the loop and not surprised by a scammer. If needed, make an appointment to visit the Apple Store to get things straightened out.
After your research tells you a charge has been made then YOU make the call to your credit card company and report the wrong payment, the case number, and the name of the "employee" you spoke with.
Report any scams to your credit card company.
If someone calls you pretending to be from Apple, get a call-back number, get a case number, get a name. Jot down the day, time and phone number from the list of Recent calls on your iPhone. You want to call the Apple Support team, available 24/7. If someone asks you to change your Apple Wallet settings/cards or asks for your password - HANG UP IMMEDIATELY.
If you get a phone call or message or email reporting a family member or friend is in need of financial help - DO NOT buy any gift cards to pay off bail or debts, etc. There is no urgency to act. Call a friend to discuss this report. Call your family to confirm there are no problems. Sleep easier.
Incoming calls and incoming messages or emails are how scammers draw us in. When in doubt (and be skeptical all the time) YOU MAKE THE CALL - based on information on a bill or receipt.