Protecting Yourself from Text Message Scams

The Federal Trade Commission reported that text message scams cost consumers $330 million in 2022 alone. Criminals target text messages because it works. More than half of consumers text daily, and the open rate for texts is 98%—dwarfing other forms of communication like email or phone calls. And text messages don’t require the fraudsters to use their real voice or face. Scammers can purchase large sets of hacked consumer data and send out thousands of text messages at the same time, making this scheme an effective way of tricking consumers.

How to spot a scam text

• Be suspicious if a text message:
• Comes from an unfamiliar number or an email address instead of a phone number.
• Includes urgent language like “Act now!” or “Your account will be suspended.”
• Asks for personal information like your Social Security number, passwords, or banking details.
• Contains spelling and grammar mistakes.
• Includes a link or phone number that seems odd or different from the official company website.

How to deal with text message scams

If you receive a suspicious text message, you should never reply—even if the message says “Text STOP to unsubscribe.” Replying in any way just confirms your number is active and invites more spam. Report spam texts by forwarding them to 7726 (SPAM) for free, which alerts your carrier. Block the sender through your messaging app and report it to the FTC at reportfraud.ftc.gov. If the scam impersonates a government agency, report it at www.usa.gov/stop-scams-frauds. And if the scam involves financial fraud, contact your bank and file a report with the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov.

There are also features in your phone that may allow you to filter unknown calls or text messages. Many phone carriers offer additional call-blocking features that help filter out robocalls and spam texts. Here are some options based on your carrier:

AT&T: ActiveArmor
Verizon: Call Filter
T-Mobile: Scam Shield

You can also download third-party apps like Nomorobo, Hiya, or RoboKiller for extra protection. Some apps are free, while others offer premium features for a fee.

Text message scams are becoming more sophisticated, but by staying informed and proactive, you can protect yourself. Always trust your instincts—if something feels off, it probably is.