Email and snail mail scammers have added a new, very personal communication medium to their fraud arsenal: SMS. Text messaging scams are unfortunately becoming more commonplace, and as such it’s important to know what the indicators of such scams are. Check out five surefire signs of a text scam and know what to look out for should you receive strange messages:
1) 11-Digit Numbers
Text messages from legitimate businesses are actually sent from the company’s number and do not come from unidentified mobile numbers. This is true even if the text body includes the name of the company, so don’t be fooled if a strange number claims to be a particular company.
2) “Winning” Raffle Prizes
Plenty of text scams begin by saying the user has “won” a raffle and includes steps on how to claim the supposed prize. Designed to trick users into handing over money or load credits in exchange for the prize, these fake winnings certainly spell scam. Remember that unless you entered into a specific contest, there’s no real prize at the end of the text message tunnel. Never, ever offer bank or similar information to “raffles” you did not enter.
Another way text scams extort user money or load credits is via “Share-A-Load” transactions. This scam accuses the subscriber of racking up additional charges. It gives the victim a message format to send to a mobile number for a “refund.” The message often looks as follows: [Company Name] LTE Advisory: Your postpaid account has been charged P500 for LTE use. Is this a wrong charge? Text 500 send to 2936XXXXXXX for REFUND.” Additionally, adding the ‘2’ in front of the 10-digit cell number turns the message into a “Share-A-Load” transaction.
4) Problems With Relatives
Text messages claiming trouble with relatives who live abroad is one of the most common text messaging scams in existence. The “relative” has an issue while living or traveling abroad and requests monetary assistance through load credits or money transfer services using a “new” prepaid number. This new number is another way to trick users into Share-A-Load transactions.
5) Government “Messages”
Government agencies do not, repeat, DO NOT perform transactions through text messages. Any text message claiming to be from any government agency is a definite scam, including those that note raffle prize wins. The “agency” may not even exist.
Instead of responding to text message scams, inform your service provider of suspicious activity. Report all mobile numbers used, and never provide bank information or send money. The more informed you are, the better off you’ll be should you encounter a text message scam.