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How to Avoid Text Scams

Criminals may utilize text messages such as "Did You Just Charge$3,178 on Your Credit Card? Reply Yes or No" in an attempt to steal personal information. Take steps to protect yourself by adhering to the following best practices: 

Never click on links or respond to unexpected texts. If you think the text might be legitimate, contact the credit union or other company using a phone number or website you know is real. NEVER use the contact information provided in the text message.

Filter unwanted texts. Your phone may have an option to filter and block spam or messages from unknown senders. [See FTC’s resource below on How to Block Unwanted Calls]  

Never give your personal or financial information in response to a request that you didn’t expect. Honest organizations won’t call, email, or text to ask for personal information, such as Social Security number, credit union account information, or credit card numbers.

Stop and talk to someone you trust. Before you do anything else, tell someone — a friend, a family member, a neighbor — about the text. Talking about it could help you realize it’s a scam.

For more information, please refer to the following resources: 

How to Block Unwanted Calls, Federal Trade Commission, Consumer Advice.

Letter to the FCC on the Matter of Targeting and Eliminating Unlawful Text Messages, CUNA and eight other financial organizations.

IYKYK: The top text scams of 2022, Federal Trade Commission, Data Spotlight, June 2023