Common Text Message Scams (and How to Avoid Them)

Let’s be honest – text messages feel safe.
They’re quick, familiar, and usually from people we know.

That’s exactly why scammers love them.

Text-based scams (often called “smishing”) are one of the fastest-growing ways attackers try to get your information, your passwords, or your money. And they work – largely because they catch people off guard.

Let’s break down what these scams look like, how they work, and how to shut them down.

What Is a Text Message Scam?

A text scam is any message designed to trick you into:

  • Clicking a malicious link
  • Sharing personal or financial information
  • Sending money
  • Downloading malware

They usually pretend to be someone you trust – your bank, a delivery service, or even the government. (IT Services)

🎥 See It in Action

The Most Common Text Message Scams

These follow predictable patterns. Once you know them, they’re much easier to spot.

📦 1. Fake Delivery Notifications

“Your package couldn’t be delivered – click here to reschedule.”

  • Often sent even if you didn’t order anything
  • Leads to fake websites that steal login or payment info
  • Creates urgency so you act quickly

🛣️ 2. Unpaid Toll or Fee Scams

“You owe $3.25 – pay now to avoid penalties.”

  • Small dollar amounts make it feel believable
  • Links lead to fake payment pages
  • Extremely common right now

🏦 3. Bank or Account Alerts

“Suspicious activity detected – verify your account now.”

  • Looks like your bank or credit card provider
  • Tries to get your login credentials
  • May include a fake support number

🧾 4. Government or IRS Messages

“Your tax refund is ready – click to claim.”

  • The IRS (and most agencies) do not text you for info (IRS)
  • Often includes fake links or threats

💬 5. “Wrong Number” Scams

“Hey Sarah, are we still on for dinner?”

  • Starts as an innocent mistake
  • Turns into a conversation
  • Eventually pivots into a scam (often crypto or investment-related)

🎁 6. Rewards or Prize Scams

“You have 12,739 points expiring today!”

  • Fake rewards programs
  • Designed to get payment details for “shipping” or “fees”

🚩 Red Flags to Watch For

Most scam texts have a few things in common:

  • Urgency (“Act now or else…”)
  • Unexpected messages (you weren’t expecting a package or bill)
  • Strange links (misspelled or unfamiliar domains)
  • Generic wording (not personalized)
  • Requests for sensitive info
  • Anything that tells you to answer a call and say “yes” or press a number- don’t even answer the call.

If it feels off, it probably is.

Best Practices to Avoid Text Message Scams

Here’s the simple playbook we recommend to every client:

Even if it looks legitimate – go to the company’s website manually.

2. Don’t Reply (Even “STOP”)

Replying tells scammers your number is active.

3. Verify Through Official Channels

If your bank texts you, call the number on your card – not the one in the message.

4. Use MFA Everywhere

Even if your password gets stolen, MFA shuts the door on most attacks.

5. Keep Your Phone Updated

Security updates help block known threats and malicious links.

6. Report and Delete

  • On most phones, you can mark as spam

If You Already Clicked Something

It happens. Don’t panic – just act quickly:

  • Change your passwords (especially email and banking)
  • Enable MFA if it’s not already on
  • Monitor your accounts for suspicious activity
  • Contact your bank if you entered financial info

Why These Scams Work So Well

Text messages have a 98% open rate, far higher than email. (Huron Daily Tribune)

Combine that with urgency and trust, and it’s easy to see why attackers focus here.

Easier Security That Actually Works

At Ultrex, we focus on making security practical – not overwhelming.

That means:

  • No nickel-and-diming for every question or support call
  • No forcing one-size-fits-all tools
  • And no overcomplicated solutions

We build security around your budget, your workflow, and your risk tolerance – because there’s no single “right” answer for everyone.

Want Help Locking This Down?

If your team is getting hit with spam texts (and they probably are), we can help:

  • Set up protections like MFA and mobile security controls
  • Train your team to recognize scams quickly
  • Build a plan that actually fits how you work

👉 Reach out anytime – and let’s make this stuff simple, together.