Don’t Let an Unexpected Text Make the Decision for You

Key Takeaways

• Text messages have become a common way for scammers to make first contact.
• Fake fraud alerts, toll notices and delivery messages are common tactics.
• Avoid clicking links in unexpected messages.
• Contact the organization directly using information you know is legitimate.

A text message can create an immediate sense of urgency: a package can’t be delivered, a toll is overdue, a loan has been opened in your name or suspicious activity has been detected on an account. According to the Federal Trade Commission, text messages were the most frequently reported way scammers initially contacted consumers last year. (Consumer Advice⁠)

The message may include a familiar company name or even look like it came from a government agency. Its goal is often to get you to click a link, make a payment or provide personal information before you’ve had time to think. FTC data also shows that government impersonation complaints rose sharply in 2025, in part because of fraudulent messages claiming consumers owed unpaid tolls. (Consumer Advice⁠)

Instead of responding, stop and verify the message independently. If it mentions your financial institution, open the institution’s official app or use a phone number you already know. If it claims to be from a delivery company, retailer or toll agency, visit the organization’s website yourself rather than using the link in the text.

You can also use your phone’s “report junk” feature or forward suspicious texts to 7726, which spells SPAM. Most importantly, don’t let an unexpected message dictate your next move. A legitimate issue will still be there after you’ve taken a few minutes to confirm it.