Unexpected text message could lead to unpleasant pain in your pocket

Buffalo, New York — Studies show there is a very good chance you are going to read it when it is convenient when you get a text message. That is a guaranteed audience for scammers.

According to Melanie McGovern of the Better Business Bureau, they are coming and the fake texts, sometimes called “smshing,” will likely come in a tidal wave, especially with the holiday shopping season.

“Text scams are becoming the new phone scam, because people don’t answer their phones anymore, but they do look at their texts. So scammers are aware of that,” McGovern said. “We know text messages get read 95 percent of the time. What they are relying on is for you to not think about that, click on that link, give them personal information, and then you don’t know where they are going with that.”

McGovern expects the scammers to pose as big-name brands to rip consumers off or steal their identity. The person who received this bogus text was tempted to click the link because she has a Chase account, but McGovern said the larger companies’ texts will generally have a code at the top, rather than a phone number.

“A lot of the brands that do send texts, you will get like a five-digit code at the top. These are coming from phone numbers which is usually not the case when you are getting a mass tech scrum — a national brand. So that is definitely a red flag as well,” McGovern said.

According to McGovern, if you are not sure, contact the business directly through a number or email you are familiar with.

“You could open yourself up to malware, identity theft, more texts. So it is always a good idea not to click on that link, to go directly to the website of the company that is allegedly sending you that link,” McGovern said.

According to McGovern, the major wireless companies want customers to report bogus text messages, so they can track them.

Never, never, never send your personal information, like your Social Security Number or bank account, by text message.