Scammers often target older adults with fake text messages that try to trick you into sharing personal information, clicking dangerous links, or sending money. These messages can look very real, but with these simple rules, you can spot them easily and stay safe.
- The Most Common Red Flags of Scam Texts
If you see any of these, the message is almost certainly a scam:
- You don’t recognize the sender
Scam texts often come from random phone numbers or even names you don’t know. Legitimate companies will always use a known number or your saved contact. - They pressure you to act immediately
Phrases like “Your account will be closed in 24 hours” or “Click this link to verify your identity” are classic tricks to make you panic and act without thinking. - They ask for personal information
No bank, government agency, or delivery service will ever text you to ask for your Social Security number, password, credit card details, or PIN. - The link looks strange
If the website link has misspelled words, extra numbers, or a weird domain (like bankofamerica-scam123.com), it’s fake. Never click it. - They offer unexpected rewards or threats
Messages like “You’ve won a free gift card!” or “You owe us money—pay now or face legal action” are almost always scams.
- What to Do If You Get a Suspicious Text
Follow these steps to stay safe:
- Do not reply
Even replying with “STOP” or “Unsubscribe” lets scammers know your number is active, and they’ll send more messages. Just ignore it. - Do not click any links or download attachments
Links in scam texts can take you to fake websites that steal your information or download viruses to your phone. - Block the number
On your phone, tap the number in the text and select “Block” or “Block Contact.” This stops them from sending you more messages. - Report the scam
In the U.S., you can report spam texts by forwarding them to 7726 (SPAM) or to the Federal Trade Commission at reportfraud.ftc.gov. - How to Verify If a Message Is Real
If you’re unsure whether a text is legitimate, do this instead of replying:
- Call the company directly
Look up their official phone number on their website or on the back of your card, then call them to ask if they sent you a message. - Check your account online
Log into your bank or service account through the official website or app (not the link in the text) to see if there are any issues. - Ask a family member for help
If you’re still confused, show the message to a trusted family member or friend who can help you check it.
- Protect Your Phone from Future Scams
You can take these simple steps to reduce scam texts:
- Turn on spam text blocking in your phone settings (most iPhones and Androids have this feature).
- Never share your phone number on public websites or social media.
- Be careful when filling out online forms—only share your number with trusted companies.
Remember: Scammers want to rush you into making a mistake. Take your time, and if something feels wrong, it probably is. When in doubt, delete the message and reach out to someone you trust.