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January 20, 2015 | fraud--identity-protection

How to Spot a Text Message (SMS) Scam


"Account Activation" Text (SMS) Scam

Several agencies, including the NCUA, have recently reported that fraudsters are sending out waves of mass text messages to consumers in an attempt to steal personally identifiable information. The number and frequency of these mass texts have increased since the summer of 2016 in an attempt to reach large audiences.

Multiple strategies for obtaining consumers’ personal information have been reported, as well as multiple area codes and sources.

Signs of a Possible Scam Text Message

  • Warns you to call a certain number or numbers to reactivate your payment, debit, or credit card
  • Tells you your credit card or debit card has been locked and asks you to enter your card number to have it unlocked
  • Contains a phrase such as "FEDERAL CREDIT UNION ALERT: Your CheckCard has been temporarily LOCKED. Please call Card Services at (407) 574-2992."
  • Vaguely refers to a credit union or bank without naming it while instructing you to contact them

Several area codes have also been reported as associated with these scams, but there could be more:

  • 786
  • 971
  • 876

What to Do if You Suspect You've Received a Fraudulent Text Message

  • Do not respond to the text message, and do not call any numbers that it asks you to.
  • Never call a potentially fraudulent number. This could inadvertently compromise a law enforcement investigation.
  • Contact your local federal law enforcement agency to report the incident and be prepared to supply as many details as possible.
  • If you wish to verify the validity of a message from Amplify, call us at 512-836-5901 or email us.