{"id":175087,"date":"2023-09-28T09:56:24","date_gmt":"2023-09-28T16:56:24","guid":{"rendered":"https:\/\/www.mcafee.com\/blogs\/?p=175087"},"modified":"2024-08-01T12:38:20","modified_gmt":"2024-08-01T19:38:20","slug":"hold-onto-your-phone-and-your-wallet-the-top-five-text-scams","status":"publish","type":"post","link":"https:\/\/www.mcafee.com\/blogs\/internet-security\/hold-onto-your-phone-and-your-wallet-the-top-five-text-scams\/","title":{"rendered":"Hold onto Your Phone, and Your Wallet \u2013 The Top Five Text Scams"},"content":{"rendered":"<p>Getting a text message is a lot like someone calling out your name. It\u2019s tough to ignore.<\/p>\n<p>Delivery notifications, messages from your bank, job offers, and security alerts\u2014those texts have a way of getting your attention. And scammers know it. In the U.S. alone, their text-based scams accounted for a reported $330 million in losses in 2022\u2014<a href=\"https:\/\/www.ftc.gov\/news-events\/data-visualizations\/data-spotlight\/2023\/06\/iykyk-top-text-scams-2022\" target=\"_blank\" rel=\"noopener\">nearly a 5x increase<\/a> compared to 2019.<\/p>\n<p>When it comes time for scammers to reach their victims, text messages are the top choice. Far more so than email or phone calls. Estimates show that up to 98% of people will read a text message. Half of them will answer it. Compare that to email, which has an open rate that hovers around 20% and a reply rate of 6%.<\/p>\n<p>In all, text scams make for cheap, easy, and effective attacks. Even more so with the help of highly convincing messages scripted by AI.<\/p>\n<p>Scammers simply have it easier and easier these days. Or so it can seem. Now you have an AI-powered tool that can finally put an end to those scam texts on your phone\u2014 <a href=\"https:\/\/www.mcafee.com\/en-us\/antivirus\/mobile.html\" target=\"_blank\" rel=\"noopener\">Text Scam Detector<\/a>.<\/p>\n<p>Let\u2019s check out the top scams out there today, and then how <a href=\"https:\/\/www.mcafee.com\/en-us\/antivirus\/mobile.html\" target=\"_blank\" rel=\"noopener\">Text Scam Detector<\/a>\u00a0and a few other steps can make your time on your phone a lot less annoying and a lot safer as well.<\/p>\n<h2><strong>The top five text scams.<\/strong><\/h2>\n<p>According to the Federal Trade Commission (FTC), <a href=\"https:\/\/www.ftc.gov\/news-events\/data-visualizations\/data-spotlight\/2023\/06\/iykyk-top-text-scams-2022#_edn4\" target=\"_blank\" rel=\"noopener\">five specific text scams account for 42% of scams<\/a> randomly sampled by the commission. Here\u2019s how they stack up:<\/p>\n<ul>\n<li>Phony bank alerts and messages.<\/li>\n<li>Bogus gift offers that steal personal info.<\/li>\n<li>\u201cProblems\u201d with package deliveries.<\/li>\n<li>Job scams.<\/li>\n<li>Amazon imposter scams.<\/li>\n<\/ul>\n<p>Sound familiar, like something that you\u2019ve seen pop up on your phone? Chances are it does. In all, the scammers behind these texts want the same thing\u2014your personal info, money, or a combination of both. They just take different routes to get there.<\/p>\n<p>Beyond the top five, the other 58% of scams put their spin on their texts. However, different as they are, these scam texts have several common signs you can spot.<\/p>\n<p>First off, they usually include a link. The link might include unusual strings of characters and a web address that doesn\u2019t match who the message says it\u2019s coming from. Like a bogus notice from the post office that doesn\u2019t use the official post office URL. Or, the link might look <em>almost<\/em> like a legitimate address, but changes the name in a way that indicates it\u2019s bogus.<\/p>\n<p>Instead of a link, the text might contain a phone number to call. Sophisticated scam operations run call centers that work much like legitimate call centers\u2014although scammers design them to steal your money and personal info.<\/p>\n<p>The message might employ a scare tactic or threat. Scammers love this approach because it successfully plays on people\u2019s emotions and gets them to act quickly without much thinking.<\/p>\n<p>Sometimes, the text might be a seemingly innocent message. Like, \u201cIs this Steven\u2019s number?\u201d Or, \u201cI\u2019ll always love you.\u201d Sometimes it\u2019s only a simple, \u201cHi.\u201d This is by design. The scammer wants to pique your curiosity, or your desire to be helpful, and then respond. From there, the scammer will try to strike up a conversation, which can lead to a <a href=\"https:\/\/www.mcafee.com\/blogs\/privacy-identity-protection\/online-dating-scams-and-how-to-spot-them\/\" target=\"_blank\" rel=\"noopener\">romance scam<\/a> or a similar con game like an <a href=\"https:\/\/www.mcafee.com\/blogs\/internet-security\/online-job-scams-tiktokers-tell-their-stories-with-a-warning\/\" target=\"_blank\" rel=\"noopener\">online job scam<\/a>.<\/p>\n<h2><strong>How to spot the top five text scams.<\/strong><\/h2>\n<p>Fortunately, scammers tend to follow a basic script. You\u2019ll see variations, of course. Yet these texts share common elements, just as text scams in general do. That makes them easy to spot.<\/p>\n<p>Be on the lookout for:<\/p>\n<p><strong>Bank scams like, <\/strong>\u201cBANK FRAUD ALERT: Did you make a $4,237.95 purchase at Jacuzzi World? Please confirm!\u201d You\u2019ll know if it\u2019s a scam if the text:<\/p>\n<ul>\n<li>Was sent from an institution you don\u2019t bank with. That\u2019s an immediate sign.<\/li>\n<li>Comes from an unrecognizable and unofficial number.<\/li>\n<li>Requests you to tap a link or call the number\u2014likely to provide personal info.<\/li>\n<\/ul>\n<p><strong>Gift scams like,<\/strong> \u201cATT FREE MESSAGE. Thanks for paying your bill. Click here for a reward.\u201d First, you can note that the scammer spelled the phone carrier <em>AT&amp;T<\/em> incorrectly. Other signs of a scam include:<\/p>\n<ul>\n<li>The text involves tapping a link to claim your (bogus) prize\u2014or calling an unknown number.<\/li>\n<li>It involves paying a fee for shipping your (bogus) prize.<\/li>\n<li>It similarly calls for submitting account or personal info to pay for your (bogus) winnings.<\/li>\n<li>The payout is for a lottery or giveaway you never entered.<\/li>\n<\/ul>\n<p><strong>Delivery scams like,<\/strong> \u201cWe were unable to deliver your shipment. Please update your info so that we can get your package to you.\u201d This is a common one, and you can spot it several ways:<\/p>\n<ul>\n<li>First off, you\u2019re not expecting a package. Let alone one from the \u201ccompany\u201d that sent you the text.<\/li>\n<li>It contains a link that doesn\u2019t look like it directs you to an official site, like UPS or FedEx.<\/li>\n<li>If you\u2019re in North America, look at the number of the sender. Some scammers text from an overseas location. This can result in a long phone number that contains a country code with a \u201c+\u201d in front of it.<\/li>\n<\/ul>\n<p><strong>Job scams like,<\/strong> \u201cBE A SECRET SHOPPER. Make $500 per store! Click the link to get started!\u201d A company that hires employees by sending thousands of spammy texts isn\u2019t a company at all. It\u2019s a scam. Other signs are:<\/p>\n<ul>\n<li>They ask you to tap a link or call a number, once again.<\/li>\n<li>The link looks like a string of nonsense or like a slightly fudged version of a legitimate web address.<\/li>\n<li>The job offer seems too good to be true. (Because it is.)<\/li>\n<\/ul>\n<p><strong>Amazon scams like,<\/strong> \u201cTRANSACTION ALERT: Your purchase of a 65\u201d QLED TV for $1,599.99 is confirmed. Not you? Contact us to cancel the order.\u201d This is a spin on the bank fraud alert, with the scammers posing as Amazon\u2019s fraud team. Aside from using the Amazon name, other signs include:<\/p>\n<ul>\n<li>The text lists a big-ticket item with a big price tag to get your attention.<\/li>\n<li>There\u2019s a sense of urgency. The text implies you need to act quickly to cancel the order.<\/li>\n<li>You have a number to call or a link to tap, which puts you in touch with a phony customer care rep.<\/li>\n<\/ul>\n<h2><strong>Now, how to avoid text scams.<\/strong><\/h2>\n<p>With what you need to spot scam texts, now you can avoid the damage they can do. And you can take additional steps to keep them from reaching you altogether.<\/p>\n<p><strong>1. Don\u2019t tap on links in text messages:<\/strong> If you follow one piece of advice, it\u2019s this.<\/p>\n<p><strong>2. Follow up directly:<\/strong> If you have concerns, get in touch with the company you think might have sent it. Manually type in their website and enquire there. Again, don\u2019t tap any links.<\/p>\n<p><strong>3. Clean up your personal data:<\/strong> Scammers must have gotten your number from somewhere, right? Often, that\u2019s an <a href=\"https:\/\/www.mcafee.com\/blogs\/tips-tricks\/what-is-a-data-broker\/\" target=\"_blank\" rel=\"noopener\">online data broker<\/a>\u2014a company that keeps thousands of personal records for millions of people. And they\u2019ll sell those records to anyone. Including scammers. A product like our <a href=\"https:\/\/www.mcafee.com\/learn\/personal-data-cleanup\/\" target=\"_blank\" rel=\"noopener\">Personal Data Cleanup<\/a> can help you remove your info from some of the riskiest sites out there.<\/p>\n<p><strong>4. Get Text Scam Detector:<\/strong> Using the power of AI, our new <a href=\"https:\/\/www.mcafee.com\/en-us\/antivirus\/mobile.html\" target=\"_blank\" rel=\"noopener\">Text Scam Detector<\/a>\u00a0can alert you when scam texts pop up on your phone. And as a second line of defense, it can block risky sites if you accidentally follow a scam link in a text, email, social media, and more.<\/p>\n<p>Also, consider playing a part in the solution.<\/p>\n<p>Businesses, agencies, and law enforcement work together to shut down scams. Many of them have websites and points of contact for reporting fraud. <a href=\"https:\/\/help.netflix.com\/en\/node\/65674\">Netflix offers a good <\/a><a href=\"https:\/\/help.netflix.com\/en\/node\/65674\" target=\"_blank\" rel=\"noopener\">example,<\/a> and <a href=\"https:\/\/www.irs.gov\/newsroom\/how-to-know-its-really-the-irs-calling-or-knocking-on-your-door\" target=\"_blank\" rel=\"noopener\">so does the Internal Revenue Service (IRS)<\/a> in the U.S. <a href=\"https:\/\/www.mcafee.com\/en-us\/cyber-scam\/customer-scam-awareness.html\" target=\"_blank\" rel=\"noopener\">McAfee has a page dedicated to fraud as well<\/a>.<\/p>\n<p>Further, in the U.S., you can also report it to the FTC at <a href=\"https:\/\/www.reportfraud.ftc.gov\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ReportFraud.ftc.gov<\/a>. Similarly, they use and share reports with law enforcement partners to help with investigations.<\/p>\n<p>If you spot a clear imposter or scam, give some thought to grabbing a screenshot and reporting it.<\/p>\n<h2><strong>You have what it takes to stop text scams.<\/strong><\/h2>\n<p>Even as scammers&#8217; attacks get more sophisticated, the tools that can beat them are more sophisticated as well. In part thanks to AI. With a sharp eye, tools like McAfee\u2019s <a href=\"https:\/\/www.mcafee.com\/en-us\/antivirus\/mobile.html\" target=\"_blank\" rel=\"noopener\">Text Scam Detector<\/a> can help you steer clear of text scams.<\/p>\n<p>With both in place, you can improve the chances that your next incoming text is from a friend that brings a smile to your face\u2014instead of a scam text that leaves you shaking your head.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Getting a text message is a lot like someone calling out your name. It\u2019s tough to ignore. Delivery notifications, messages&#8230;<\/p>\n","protected":false},"author":674,"featured_media":175090,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10661,1838],"tags":[],"coauthors":[3973],"class_list":["post-175087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-internet-security","category-mobile-security"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hold onto Your Phone, and Your Wallet \u2013 The Top Five Text Scams | McAfee Blog<\/title>\n<meta name=\"description\" content=\"Getting a text message is a lot like someone calling out your name. It\u2019s tough to ignore. 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