With the rise of smartphones, cybercriminals have found a new way to exploit users: smishing. Short for “SMS phishing,” smishing is a scam where fraudsters use text messages to trick people into sharing sensitive information like passwords, credit card numbers, or personal identification details.
The Rock Hill Police Department recently provided a scam alert via social media about smishing, warning area residents to be cautious and diligent to avoid being scammed.
What is Smishing?
Smishing involves receiving a fraudulent text message that appears to be from a legitimate source, such as your bank, a government agency, or a trusted company. These messages often create a sense of urgency, claiming issues like:
- Unusual activity on your bank account.
- Suspicious login attempts on your account.
- A package delivery that requires immediate confirmation.
- A refund or prize waiting for you to claim.
The text will usually include a link or phone number, urging you to act quickly. Clicking on the link may lead to a fake website that looks legitimate but is designed to steal your information.
Recent Examples of Smishing Scams
- Bank Alerts: Victims receive texts claiming their account has been locked and are directed to click a link to verify their information.
- Fake Delivery Notifications: Messages impersonating shipping companies like FedEx or UPS request payment or personal details for a missed package delivery.
- Gift Card Scams: Fraudsters promise free gift cards if you follow a link and provide your information.
How to Protect Yourself
- Be Skeptical of Urgency: Scammers often create panic to make you act without thinking. Take a moment to verify the message.
- Avoid Clicking Links: Instead of clicking on links in text messages, visit the official website of the company or contact them directly using verified information.
- Verify the Source: If you receive a suspicious message from a company, call their official customer service line to confirm its authenticity.
- Enable Security Features: Use two-factor authentication for your accounts and install reliable security software on your devices.
- Report Smishing Attempts: Forward suspicious messages to your phone carrier by texting 7726 (SPAM). You can also report the incident to the Federal Trade Commission (FTC) at reportfraud.ftc.gov.
What to Do if You’ve Been Targeted
If you’ve clicked on a suspicious link or provided sensitive information, act quickly:
- Change Your Passwords: Update passwords for your accounts immediately.
- Monitor Your Accounts: Check your bank and credit card statements for unauthorized charges.
- Alert Your Bank: If financial information was shared, contact your bank to secure your accounts.
- Freeze Your Credit: Consider placing a credit freeze to prevent identity theft.
Stay Informed
Smishing scams are becoming more sophisticated, but staying informed and vigilant can help protect you. Spread the word to friends and family, especially those who may not be as familiar with digital scams.
For more information on cybersecurity tips and smishing prevention, visit www.consumer.ftc.gov. Stay alert, and don’t let scammers outsmart you.
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