How do I tell if a text message or email is a scam or fake?
Direct Answer
If a message claims your account is locked, an unexpected package is delayed, or you owe urgent money with a link to tap, DO NOT tap the link. Real companies never ask for passwords or gift cards via text.
🚨 Emergency Rule: Stop & Do Not Send Money
If someone contacted you asking for payment via gift cards, wire transfer, or Zelle, or asking for verification codes, hang up or do not reply. Real banks and government agencies never ask for payment this way.
📞 Call family on trusted known number: Never call back the incoming caller ID number. Call your relative directly using the number in your phone contacts.
🛡️ Free Senior Fraud Helpline: AARP Fraud Watch Network: 1-877-908-3360
Immediate Action Steps If You Were Contacted
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1
Check for fake urgency or threats
Scammers frequently say: "Your package is held at customs," "Your bank account has been locked," "Fraudulent charge of $499 detected," or "Action required within 1 hour." Recognize this artificial panic.
👀 Look for words like "URGENT," "LOCKED," "IMMEDIATE."
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2
Never tap links in unexpected text messages
Even if the text says it's from USPS, FedEx, Netflix, or your bank, do not tap the web link. Fake websites are designed to look identical to real login screens to steal your password.
👀 Blue underlined web addresses (links) in SMS.
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3
Verify directly through the official app or website
If a text says your Amazon order has an issue, close the text. Open your regular Amazon app or type "amazon.com" directly in your browser. Check your actual orders tab. If there is a real problem, it will be listed there.
👀 Open the real app separately from your home screen.
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4
Remember: Banks and IRS never demand payment in Gift Cards or Zelle
If anyone claiming to be from the government, police, tech support, or a utility company asks you to pay with Target/Apple/Amazon gift cards, cryptocurrency, or Zelle to "resolve a problem," it is 100% a scam every time.
👀 Any request for gift cards or wire transfers.
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5
When unsure, text or call your adult child or trusted friend
Take a screenshot of the message and send it to someone you trust with: "Does this look real to you?" They will be happy to verify it for you.
👀 Screenshot + Ask Family.
Emergency Steps: If You Already Sent Money or Shared Passwords
1. Call Your Bank Fraud Department Now: Call the number on the back of your card immediately to freeze transfers or cancel your card.
2. Change Passwords on a Different Device: Change your email and bank passwords immediately.
3. File a Report with IdentityTheft.gov: Official free recovery plan from the Federal Trade Commission.
If You Don't See It / Troubleshooting
If you already tapped a suspicious link and typed your password or credit card
Immediately go to the REAL website on your computer or phone and change your password. Call your bank's fraud number (found on the back of your physical credit card) to freeze your card.
Good to Know
- You will never get in trouble for ignoring a fake text message.
- You can report spam texts on iPhone by tapping "Report Junk" below the message.