Home   News & Insights   How to Recognize and Report Spam Text Messages

How to Recognize and Report Spam Text Messages

If you have a cell phone, you probably use it dozens of times a day to text people you know. But have you ever gotten a text message from an unknown sender? It could be a scammer trying to steal your personal and financial information. Here’s how to handle and report unwanted text messages.

Spam text messages and phishing

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.

Scammers often try to get you to click on links in text messages by promising you something. Scammers might

  • promise free prizes, gift cards, or coupons — but they’re not real
  • offer you a low or no interest credit card — but there’s no deal and probably no card
  • promise to help you pay off your student loans — but they won’t

Scammers also send fake messages that say they have information about your account or a transaction. Scammers might

  • say they’ve noticed some suspicious activity on your account — but they haven’t
  • claim there’s a problem with your payment information — but there isn’t
  • send you a fake invoice and tell you to contact them if you didn’t authorize the purchase — but it’s a scam
  • send you a package delivery notification— but it’s fake

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 might tell you to click on a link to learn more about the issue. Some links might take you to a spoofed website that looks real but isn’t. If you log in, the scammers then might steal your username and password.

Other messages might install harmful malware on your phone that steals your personal or financial information without you realizing it.

What to do about spam text messages

If you get a text message you weren’t expecting and it asks you to give some personal or financial 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 to filter unwanted text messages or stop them before they reach you:

  • On your phone: Your phone may have an option to filter and block spam or messages from unknown senders. Here’s how to filter and block messages on an iPhone and how to block a phone number on an Android phone.
  • Through your wireless provider: Your wireless provider might have a tool or service that lets you block calls and text messages. Check out ctia.org, a website from the wireless industry, to learn about options from different providers.
  • With a call-blocking app: 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, or search for an app online. Check out the features, user ratings, and expert reviews.

How to report spam text messages

If you get an unwanted text message, there are three ways to report it:

Interested in learning more?

Download our How to Recognize and Report Spam Text Messages Guide.

For additional information, please visit consumer.ftc.gov. You can also visit our Resource Center on pbofca.com or contact support@pbofca.com.

If you have any questions or need assistance regarding online banking or any of our products and services, please give us a call at (949) 732-4000 or (323) 556-6544, or email us at onlinebanking@pbofca.com.