Stay Alert: New “Accidental Text Message” Scam Targeting Consumers

Did you know that a simple text message, one that appears to be sent to you by mistake, may actually be the start of a sophisticated scam?

Fraudsters are increasingly using Accidental Text Message Scams to trick consumers into engaging with them. Here’s how it works and how to protect yourself.

It starts with a friendly mistake.

You might receive a casual text such as, “Hey, sorry I’m running late for the golf game. Be there in 15.” Because most people are polite, many respond with something like, “You have the wrong number.” That reply confirms you’re a real person and a potential target.

Then comes the conversation.

Scammers often continue chatting, sharing details about their lives and sometimes even send photos. Their goal is to build trust slowly over days or weeks, making you believe the connection is genuine.

Eventually, the scam shifts.

The fraudster may bring up a “can’t-miss” investment opportunity, often involving cryptocurrency. Or they may pivot into what becomes a romance scam, developing an emotional connection before eventually asking for money, gift cards or transfers.

No matter the path, the goal remains the same: to get your money.

These scams can become elaborate and urgent, with repeated requests for funds. Protect yourself with these tips:

• If you get a text clearly meant for someone else, delete it. Don’t reply.
• Never send money or share personal information with someone you’ve only met online.
• Do not click links or engage further with unexpected messages from strangers.
• Trust your instincts. If something feels off, it probably is.

We hope these tips help keep you and your loved ones safe. For a quick video by one of our partners on how this scam works, click here.