Scam of the day – May 12, 2013 – Bank text message scam

Everyone texts including scammers and identity thieves.  A recent text message scam that has resurfaced involves a text message from “Credit Card Services Alert” and it informs you that your debit card has been deactivated.  The text message provides you with a telephone number to contact.  If you respond by calling the number, you will reach an automated service informing you that you have reached the card activation center.  It then asks you for you credit card number, expiration date and security code.  Anyone providing this information is sure to become a victim of identity theft.  Your bank or credit card issuer will not contact you in regard to problems by a text message so if you do receive such a text message, you should immediately delete it.

TIPS

Whenever you receive a text message, email, letter or telephone call, you can never be sure of who is communicating with you.  If you have even the slightest thought that the message may be real, you should not respond to the text, email, or caller directly, but rather contact the bank or other organization that they pretend to represent at a telephone number that you know is accurate in order to inquire about the legitimacy of the communication, whereupon you will promptly be informed that it was a scam.  Remember, texts and email messages or phone calls can appear to come from legitimate companies, but that does not mean that it is not a fake.  I received a very real looking email message about a problem with my bank account, however, there was only one problem.  I didn’t have an account at that bank so I merely deleted the email.  You should too.