Have you ever gotten a text message from an unknown sender? It could be a scammer trying to steal your personal information. Find out what you can do about unwanted text messages and how to report them.
Scammers send fake text messages to trick you into giving them your personal information – things like your password, account number, or Social Security number. If they get that information, they could gain access to your email, bank, or other accounts. Or they could sell your information to other scammers.
The scammers use a variety of ever-changing stories to try to rope you in. They may:
Scammers also send fake messages that say they have some information about your account or a transaction. The may:
The messages might ask you to give some personal information — like how much money you make, how much you owe, or your bank account, credit card, or Social Security number — to claim your gift or pursue the offer. Or they may tell you to click on a link to learn more about the issue. Some links may take you to a spoofed website that looks real but isn’t. If you log in, the scammers can then steal your user name and password. Other messages may install harmful malware on your phone that steals your personal information without you realizing it.
If you get a text message that you weren’t expecting and it asks you to give some personal information, don’t click on any links. Legitimate companies won’t ask for information about your account by text. If you think the message might be real, contact the company using a phone number or website you know is real. Not the information in the text message.
There are many ways you can filter unwanted text messages or stop them before they reach you.
Your phone may have an option to filter and block messages from unknown senders or spam.
Your wireless provider may have a tool or service that lets you block calls and text messages. Check ctia.org, a website for the wireless industry, to learn about the options from different providers.
Some call-blocking apps also let you block unwanted text messages. Go to ctia.org for a list of call-blocking apps for Android, BlackBerry, Apple, and Windows phones.
You can also search for apps online. Check out the features, user ratings, and expert reviews.
If you get an unwanted text message, there are three ways to report it:
At WKFCU you can use the Shazam BRELLA App to send you text or email alerts when a purchase is made using your Debit Card. You can also be notified when potentially fraudulent activity occurs. If you receive a text message form Shazam Brella, you can simply check the transaction. If you have questions you can call the Shazam Fraud line - 1-866-508-2693.
(Partially reprinted from consumer.ftc.gov)
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