Feb. 17, 2026
Seemingly Innocent Texts Can Be Deceiving
The text comes out of nowhere "looking forward to seeing you this weekend" or "Hi there" or any one of a number of seemingly innocent texts.
We know it is a wrong number, but should we respond? Tune in to find out.
Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Let’s Talk About Scams TV Show is viewed on Talk 4 TV (www.talk4tv.com).
Let’s Talk About Scams Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.
Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.
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WEBVTT
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This program is designed to provide general information with regards
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to the subject matters covered. This information is given with
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the understanding that neither the hosts, guests, sponsors, or station
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are engaged in rendering any specific and personal medical, financial,
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legal counseling, professional service, or any advice.
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You should seek the services.
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Of competent professionals before applying or trying any suggested ideas.
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The information contained in this podcast is intended for informational
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purposes only and is not a substitute for individual professional
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legal advice. The podcast information was carefully compiled from vetted
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sources and references. However, Rose Resources outreach to safeguard the
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elderly cannot guarantee that you will not fall victim to
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a scam. Let's talk about scams. It's the must listen
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show for anyone who wants to protect themselves and their
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loved ones from scams. Every Tuesday at eight am Pacific
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time on K four HD Radio, Joyce Petrowski, founder of Rose,
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and her guests will provide valuable insights and practical tips
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on how to recognize and protect yourself from scams. And
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now here is your host, Joyce Petrowski.
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Hi, everyone, Joyce Petrowski, board president and founder of Rose
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Resources Outreach to safeguard the elderly. Glad to be back
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was off for I think probably five weeks. Maybe you
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had Brian. I'm sure he did a wonderful, wonderful job
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at filling in. My surgery went well and recovering almost
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three weeks out, so doing really well. But anyways, glad
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to be back. So before we get started, you can
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find more information on our website at Roseadvocacy dot org.
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On the homepage you'll find our social media links at
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the top. Scroll all the way down to the bottom
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you'll find where you can sign up for our emailed
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newsletter and our mailed newsletter. There are links down there.
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Just click on those and fill out the information and
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you will get added to the database. And don't forget
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you're going to want to click subscribe to this so
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you get notified of all of the episodes coming up today.
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I know it was titled seemingly innocent text can be deceiving,
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and we're going to get to that innocent text in
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a little bit here, But I just kind of wanted
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to use this as a refresher to go over some
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other text messages that I'm sure all of us have
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received and maybe even some of us have clicked on
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the link called the number, responded to the text. I
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know we're all busy, and when we're trying to do
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multiple things at once, you're not thinking fully about whatever
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it is you're about to click on or respond to.
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You're just thinking, I can do this in a matter
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of a minute and get it off my plate. But
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I'm going to go through a few of them. So
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your bank, right, say you get a text message from
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Bank of America and you don't have an account at
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Bank of America. So you're like, oh, that's a scam.
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But I mean, what if you do. I mean I've
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I've gotten these over the last few years, and it
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definitely makes you take a second look at it because
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it does actually come from or it's impersonating a bank
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that I have an account at. So it makes me
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take a second look, and I have to stop and
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think about it and say, you know, was there in
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my Information's been changed in my account or my account's locked,
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you know what's going on. And so instead of responding
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to the text, instead of clicking on the lane, I
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had the bank's phone number in my contact list, So
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I just called them directly, and yes, I do have
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multi factor authentications set up with the bank, so they
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do have to send me the I called them, so
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I knew I was talking to them. In order for
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them to verify it's me on the other end, they
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have to send me the code and I read it
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back to them. But again, remember I initiated the phone
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call with an official phone number to the bank, and
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they can look through your account and give you any
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information that you need. But most importantly, they're going to
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tell you, no, your account is not locked. That's a scam. No,
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nothing has changed. No information has changed on your account,
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which is what happened to me a couple years ago,
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was that some information had changed. Some other text messages
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that come through this is a big one. I had
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somebody reach out just recently and ask if if I
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was still seeing these texts. And it's from It could
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be from UPS, it could be from the post office,
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it could be from FedEx, it could be from really
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any type of delivery service. But you've missed our delivery.
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So if you want to reschedule it, click here. Well,
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you know you don't necessarily know of every single delivery
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that you're getting. Some yes you do, but others, you know,
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maybe someone sents you something and you didn't know that
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you had a package coming, and it right curiosity, and
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so people will click on the link, and it's a
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way for scammers to try to get information from you.
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But also clicking on a link on a text right
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on your mobile phone, maybe it's going to install malware
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on your mobile phone, which is another great reason why
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we need to have antivirus and anti malware software on
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our phones. It's a mobile computer and it's going to
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help us. If we clicked on that link and it
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recognized it as a bad link, it'll give us that warning,
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you know, we've detected this as a malicious link, and
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then it gives you you can back out of it.
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And sometimes on our phone, it's extremely easy to click
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on a link you didn't mean to. You're trying to
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delete something and you've clicked on the link. You're trying
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to copy something, and you accidentally clicked on the link
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scrolling up or down on your phone. Lots of different
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ways that you can inadvertently click on those links. Some
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other ones is you know, get you excited, you've won
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a five hundred dollars gift card to you know, Target.
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Let's say Target's a big store. I'm sure they do
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do giveaways and contests and stuff, but a lot of
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people five hundred dollars is a lot of money. Target
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is a store a lot of people shop at, so
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they get excited and they're thinking, all right, I'm going
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to collect this, you know, and they just they don't
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think about it, Well, did I ever enter any contest
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with Target? Have I shopped at Target in a long time?
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You know, maybe I should go to Target's official website
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and find out if they are in fact giving away
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you know, gift cards. The toll charges. Those were going
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around like gangbusters, what year and a half ago, year ago,
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everybody was getting them. And you know, in Arizona, if
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you got one of those, you just knew, Well, if
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you knew that Arizona has no toll roads, you would
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know that it's a scam. But you know, a lot
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of people didn't know that Arizona had no toll roads,
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and so they would click on the link, they would
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pay it, and now their credit card, you know, was compromised,
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and and and maybe they ended up having to put
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in some other sensitive information on that where they thought
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they were paying the toll toll fees. But you know,
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you get one of those you know, who's to saying
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that that's not going to start coming up again, you know,
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quiet it down for a little bit and then bring
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it back out and catch people off guard, which is
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what scammers like to do. They like to catch you
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off guard. And so maybe it says another state, you know,
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maybe it says Florida, and you know, I don't know
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if Florida has toll roads or not. I don't travel
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around in Florida hardly at all. I'm usually just flying
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through there, so I'm at an airport. But one way
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to check is just search it online. Does Florida have
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toll roads? And it's going to come up, and it's
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going to give you that information. And if you were
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going through that city on that interstate where there was
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a toll road recently, then find their department of Transportation
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and call them and find out if you do, in fact,
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oh tolls. One that I had gotten I want to say,
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probably maybe two or three weeks ago was Arizona traffic violations.
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That I had an unpaid Arizona traffic violation. Now I
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knew that was a scam. But in certain areas out
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here in Arizona, there are these red light cameras, there
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are speed cameras, and if you're not paying attention, it's
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just going to do a quick flash and it takes
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a picture of your license plate and a picture of
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the front part of your car so they can see
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who the driver is. And you know, who's to say
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that that notice didn't get lost in the mail. So
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you know, there's different things that you're like, like in Arizona,
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did I get caught by a red light camera? Did
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I get caught by a speeding camera? But you would
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just look up whatever department it is on the internet,
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you know, whether it's Maricopa County, Panal County, Pima County,
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whatever it is in Arizona or whatever state you live in,
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and say, how do I pay toll violations? Or do
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I have a toll or not a toll? I'm sorry,
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we were just traffic violation, and it'll get you to
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the right place where you would go to actually pay
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those violations. And then you can just call them and say, hey, listen,
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this is my name. You know, I got a text
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saying and they're either going to tell you right away
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that they'll either tell you right away that we don't
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send any of this information out by text message, so
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it's a scam. You're going to get a notice in
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the mail, or you know, I don't know, maybe some
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states in cities and municipalities, maybe they do send something
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by text message. I don't know. And so then you
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give them your name and find out if you do
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have some thing there that's unpaid. So always going through
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those official sources job offers, you know those I haven't
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seen any come to my phone recently on the job offers,
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but every now and then I'll get in and dated
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with like maybe five or ten of them in a
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matter of a couple of days. And you know they're
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going to impersonate the larger companies, like indeed in zip
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recruiter and all of those or maybe some larger companies
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saying they're hiring, and this could happen right at the
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time where maybe one of these larger companies does have
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some information out there that they are hiring. So you know,
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it happens at the same time for a reason, because
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it makes it all the more believable. So always go
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directly to the official site and a lot of times
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those job offers, those are those too good to be true. Right,
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You only have to work like one or two hours
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day once a week, and you can make three hundred
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dollars a day. So that's like you're making, you know,
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one hundred and fifty dollars an hour, right, I mean,
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so you have to kind of look at it from
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that perspective. It just doesn't make sense. Student loan forgiveness
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haven't heard or seen any of those recently, But with
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all of the student loan forgiveness that was they were
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working on at the federal level a couple of years ago,
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it made sense that all those text messages were coming
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around because it happened at the same time that they
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were working through trying to forgive student loans at the
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federal level, So it made even more sense. So if
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you're kind of getting an idea here that you know,
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scammers are going to look at to what's in the news,
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what's out there, what are people seeing, what are they
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hearing to make whatever communication they're sending you, in this instance,
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a text message seem all the more believable. You know
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that one in particular might have said, you know, your
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student loan forgiveness program. It ends soon. You've got to enroll.
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Here's a phone number. Just be very careful with that.
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You know, you could always you could always call whoever
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you have your student loan with and find out if
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there is any forgiveness. If it says it's through a
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federal agency, call that agency directly, right, use the official sources.
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There's another one. A lot of companies now have they'll
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send you these codes, kind of like multi factor codes.
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When you go to log in. You might have set
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it up, but then when you're doing something on their website,
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they might want to send you a code just to
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make sure it's still you there. And so you know,
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as I've said in many shows, scammers love to personate
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Amazon because they are a huge company and almost everybody
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has an Amazon account, right, so you just might get
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this little innocent text that says, you know, Amazon, your
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code is this. If you didn't request this, click this link.
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Well you're going to look at it and go, I
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didn't request it. Someone's in my Amazon account, and you're
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going to want to click the link right away, But
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again pausing and going Okay, I'm not going to believe
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what I see here on this text. I'm going to
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go directly to my Amazon account, that is the official source,
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and I'm going to find out what's going on the
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one there's We talked about the bank text scam at
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the beginning. One of the things I wanted to mention
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on that was if if you go to your bank's
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official website. A lot of the larger banks have this
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on their website, but you can check yours if you're
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not with one of the larger banks, or if you're
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with a credit union, But a lot of times it
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will tell you that we do not ask for personal
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sensitive information via text, and that to always call us
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