Text Scams: What To Watch For
Text scams - also known as "smishing" - are on the rise, and they're getting more convincing all the time. From fake account alerts to messages about packages, tax refunds, or even unpaid tolls, these scams are designed to trick you into clicking a link or sharing personal information. Knowing the signs of a scam can help you avoid becoming a target.
What to Look Out For
- A Sense of Urgency: Scammers want you to act fast - before you have time to think. Messages might say your account will be locked, your tax refund is at risk, or you'll face a big fine unless you take immediate action.
- Suspicious Links: Many text scams include a link that looks real but takes you to a fake website. These sites often ask you to log in, share payment information, or confirm personal details - putting your information at risk.
- Too-Good-to-Be-True Offers: If a text promises unexpected money, prizes, or deep discounts out of the blue, it's likely a scam. Be especially cautious if you're asked to click a link to "claim" your reward.
- Impersonation of Trusted Organizations: Scammers often pretend to be from a credit union or bank, delivery service, government agency, or other trusted source. Always double-check the message - real companies won't ask you to share sensitive information through text.
- Vague or Generic Language: Scam messages are often impersonal - watch for things like "Dear customer" or "Your account" instead of your actual name or account information.
How to Protect Yourself
- Don't Click Links from Unknown Senders: If you get a text from a number you don't recognize - even if it looks official - avoid clicking any links. When in doubt, go directly to the company's website or contact them through verified channels.
- Take a Moment Before Your Respond: Scammers count on panic. If a message seems urgent or threatening, pause and think. Ask yourself: Does this make sense? Would this company contact me like this?
- Watch for Red Flags: Look out for poor grammar, generic greetings, suspicious links, or pressure to act fast. These are all signs of a scam.
- Report and Delete: Most phones let you block numbers and report spam. It won't stop every scam, but it helps prevent future messages from the same source.
Text scams are constantly changing, but the goal is always the same - steal your money or personal information. Being cautious with unfamiliar messages and keeping an eye out for red flags can help you stay one step ahead.
If you think you might have inadvertently shared your personal information with a scammer, please contact us as soon as possible. You can call us at (805) 733-7600, or visit our Fraud Protection page and complete the form.