How to Spot and Stop Text Message Scams: A Senior’s Guide to Safe Messaging
How to Spot and Stop Text Message Scams: A Senior’s Guide to Safe Messaging
Text message scams—also known as “smishing” scams—are on the rise in 2025, and they can catch even the most cautious people off guard. These scams use text messages to try to steal your money, personal information, or access to your phone.
The good news? A few simple habits can help you avoid these threats and feel confident using your phone.
What Is a Text Scam?
A text scam is a fraudulent message sent to your phone that tries to trick you into:
- Clicking a link
- Sharing private information
- Sending money
- Downloading harmful software
Scammers may pretend to be your bank, a delivery service, Medicare, or even a family member in trouble. For example, if you know you don't owe tolls in Maryland even though a text says you do, that's a clear sign it is a scam.These messages often create a sense of urgency to pressure you into acting fast.
Common Text Scam Tactics to Watch For
1. Fake Delivery Notices
You receive a message saying “Your package is delayed” or “Click here to reschedule delivery.” These links often lead to fake websites that try to steal your info.
2. Bank or Account Alerts
Scammers may claim “Suspicious activity on your account” or “Payment declined.” They want you to click the link and enter your banking details.
3. Medicare, Insurance, or Government Messages
Any unexpected message about benefits, refunds, or ID renewal should be treated with caution. Government agencies don’t contact you this way.
4. Emergency Messages from “Family”
You may get a text like “Grandma, I’m in trouble—please send money!” Always verify the sender before responding.
How to Stay Safe from Text Message Scams
Don’t Click on Links in Unfamiliar Texts
Even if the message looks official, don’t tap any links. Instead, contact the organization directly using a verified phone number.
Block and Report Suspicious Numbers
On most phones, you can tap the number and choose “Block” or “Report as Spam.” This stops future messages from that sender.
Don’t Reply to Unknown Messages
Even replying “STOP” can let scammers know your number is active. If it’s a scam, ignore it completely.
Install Security Updates
Keep your phone’s software up to date to help block known scam sources and suspicious links.
Use Your Phone Carrier’s Spam Tools
Major carriers like Verizon, AT&T, and T-Mobile offer free scam text filtering. Check your settings or ask for help enabling these features.
What to Do If You Think a Text Is a Scam
Delete the Message Immediately
Do not tap anything. Simply delete it and block the sender.
Call a Trusted Contact if You’re Unsure
A friend, family member, or Tech Helper can help review the message.
Report It
Forward the message to 7726 (this spells “SPAM” on your keypad). It alerts your phone carrier to block the number.
Take Action If You Clicked a Link
If you accidentally clicked or entered personal info, call your bank and consider running a phone scan using security software.
Trusted Resources and Support
Federal Trade Commission (FTC)
www.reportfraud.ftc.gov
Tech Helpers
216-245-7092
[email protected]
Your Phone Carrier
Ask about scam text blocking tools and how to report suspicious activity.
Keep Learning, Keep Sharing
Text scams rely on people acting quickly and quietly. Talking about suspicious messages helps others stay informed. Share what you learn with neighbors, friends, and family.
And remember—you are your own best line of defense. Being cautious, asking questions, and staying informed is the best way to protect yourself and your community.