When I make a call on my apple phone, I can hear an echo of my voice and it seems like a third party may be on the line or recording the call. My bank recently told me the FBI had investigated a fraud scam at my branch where a member’s call was recorded and then her voice recording was used to try to transfer funds. On one occasion I heard a man on the line (a third party) make a comment on my conversation). Another family members also has this same echo on their phone. My blue tooth is turned off so I don’t this is the cause. I would like to know how to make my phone and bank information secure.