Source: FTC

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 claiming to 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
• threaten fines from the DMV or some other government agency — but you've done nothing wrong.
• 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 might then 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:

How To Report Spam Text Messages

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

• Copy the message and forward it to 7726 (SPAM). This helps your wireless provider spot and block similar messages in the future.
• Report it on the messaging app you use. Look for the option to report junk or spam.
  • How to report spam or junk in the Messages app
  • How to report spam on an Android phone
• Report it to the FTC at  ReportFraud.ftc.gov.