March 11, 2025
Text Messages and Phishing Scams
How many text messages do you get in a day? We are all busy with life and text messages add to this. We are deep into work, your phone pings, we immediately look at the text.
The message seems official and has a sense of urgency. We click on the...
How many text messages do you get in a day? We are all busy with life and text messages add to this. We are deep into work, your phone pings, we immediately look at the text.
The message seems official and has a sense of urgency. We click on the link, input our personal information and credit card and go back to work. We just fell for a phishing scam.
Remember to pause and think about the text message. Do not engage, do your research and make a determination if the message is real or scam.
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.
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 BETTED
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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 am Pacific time on
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K four HD Radio, Joyce Petrowski, founder of Rose, and
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her guests will provide valuable insights and practical tips on
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how to recognize and protect yourself from scams. And now
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here is your host, Joyce Petrowski.
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Hi, everyone, welcome back to our Let's talk about Scams show,
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and today we're going to talk about text messages specifically
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related to some different ones that have been coming around
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recently regarding toll fees, jury duty fees, and driving infractions.
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But first, if you want to get more resources, you
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can go onto our website at Roseadvocacy dot org and
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you can find them under the resources tab. You can
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also find our social media links, and you can sign
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up for our email and or mailed newsletter that we
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send out every month. And on the event's page, you're
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going to want to take special note of our largest
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fundraiser we have coming up in April on Friday, April eleventh.
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It's our annual third Annual golf tournament, Golfers for Senior Protection,
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and it's at Arizona Grand Resort and Spa in Phoenix,
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just off the Ien and we are looking for sponsors, volunteers,
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golfers and auction donations. All of the contact information is
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under that event tab under third Annual Golfers for Senior
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Protection event. And you when you register for Golf for
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your foursome, if you put the promo code in radio
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show all capital letters, radio show no spaces and all
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capital letters, you can save one hundred dollars off the
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already discounted for someome cost. So let's get to the show.
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Text messages. We get them just about everybody has the
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cell phone and we get probably inundated with text messages.
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Some are legit, they're from your friends, family, coworkers, you know,
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maybe different notifications and things like that. But there's a
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lot of them floating around that are not legit.
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They're fake.
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They're from scammers and they're trying. It's one of the
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ways they try to get you to engage with them.
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And if you remember the anatomy of a scam that
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we talked about, that first part of a scam was
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the contact, and text messaging is a popular way that
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they try to get people to engage with them. They
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want you to respond to the text, they want you
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to click on a link. Sometimes they'll even say you
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can copy and paste this into your internet browser. They
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want you to call the number. A wide variety of
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different things on the text messages. So, but some of
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the more recent ones that we've been seeing coming around
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have been I'm sure you guys, a lot of you
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guys have heard about you have unpaid toll fees, and
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it's they'll list a city in a state, or they'll
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list just the state, and you have unpaid fees and
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you need to pay this right away to avoid any
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further you know, issues, And here's the link that you
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can go in and pay it. And sometimes they'll say
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you owe you know, fifty dollars, sixty eight dollars, you know,
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whatever dollar amount, but it's it's a scam. The toll
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agencies in the different states, they send notifications by mail
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and you get that information in the mail. And the
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first thing you need to do with that is you
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you know, there the scammers trying to get you to panic,
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to scare you. Right, Oh my gosh, I have these
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these fees that I need to pay. You know, I
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must have missed it and so and to not think
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about it. But if you can stop and pause and think,
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was I even in that state? Was I even on
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a toll road in that state? That right there will
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let you know if it's a scam. But you know,
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sometimes you know, scammers hit the right people at the
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right time. If you remember what we've said in previous
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programs that they will they will just blanket millions of
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people with the same text, hoping that a very very
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small percentage, maybe a half a percent, are going to
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engage with them. And they're hoping that that half percent
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of people that they've text maybe we're in that state
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on bull road, and so it's going to get their
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attention even more thinking that this is actually a legitimate
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text message, because yes, they were in that state and
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they were on a toll road. And a lot of
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times now the toll boosts are unmanned. Everything is electronic.
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You know, it takes you go through it, it takes a
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picture of your license plate and your car and stuff,
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and if it's a rental car, you know, it sends
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the bill to the rental car agency and then it
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takes even a little bit longer for the rental car
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agency to then send you a notice to pay those fees.
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So one thing you could do is, you know, just
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if you were in that state on a toll road
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and you think it might be valid, search for the agency,
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the tolling agency in that respective state and then call them,
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and you know, you will get their verified number off
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of their website, off of their verified website and call
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them and find out do I have an outstanding toll balance.
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That's your way to verify if you remember the third tip,
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we have to verify before we can trust. That's your
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way to verify if it was if it's accurate, and
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you do actually owe money, and then you can ask
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them to send you a copy of the bill so.
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You can make the payment.
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Another one that people have been talking to us about
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is and this one actually we've noticed even before the
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toll fee unpaid tollfie scam was the jury duty. Everybody
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was getting these text messages about you miss jury duty
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and you need to pay this fine and if you
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don't pay this fine, you know you could get arrested
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or you can get in big trouble and all kinds
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of stuff. Again, they're trying to scare you. And you
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know it worked a lot of people, right you know,
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it's like, I don't want to go to jail.
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I better pay this. But if you stop and pause,
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you have to.
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You would have gotten something in the mail that said
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you have been summons to jury duty whatever the technical
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terms are that they used, and it would tell you
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a date when you were supposed to be there.
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And usually what it.
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Does is it then tells you the night the day
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before between a certain timeframe, you need to call this
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number to find out what time you need to show up.
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And so, you know, you would you would call and
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sometimes they would say, okay, you have to show up
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by nine o'clock, or other times they would say, no,
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it's been postponed.
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You don't need to show up, you know. And so
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if you can think back to to.
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Did I actually receive that in the mail and if
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it's legit, but if you don't remember, and you're still thinking, well,
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you know, I don't know I get those on a
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regular basis, you know, just call the the the county
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that they're saying it's from the courthouse and find the
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the you know, find the department for jury duty and
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ask them, you know, don't use a phone number that's
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in the text message or the phone number that the
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text message came from. You're going to want to search
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the county, you know, courthouse and the jury duty part
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of it department and call them directly.
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They're going to have a record of it if you've
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missed it, and.
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They might you know, every county's different, but normally they're
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going to give you a chance to explain why you
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missed it. If in fact you really did miss a
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jury duty before they're just going to start assessing fines
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and penalties and fees and all that other stuff. So again,
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that's your way to verify. Call the courthouse, the jury
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duty department and find out if you in fact did
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miss a jury duty that you were supposed to be at.
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This other one that I wanted to talk about is
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in A friend of mine actually just posted it yesterday.
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She had received a text message saying that she had
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an Arizona driving infraction on her record and she needed
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to click on this link to resolve the issue. And
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I'm sure what they meant by resolving the issue was
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paying a fine or paying some fees, but they probably
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were also going to ask for personal, you know, sensitive information,
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one of their fishing tactics to get personal information, so
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that one, you know, your way to verify that if
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you can't remember, if you know, if you had been
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I think most people would remember if they'd been pulled
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over by the police. But if you just want to
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verify it, you can look up the Department of Motor
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Vehicles and look for the correct department for the you know,
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the tickets or the things like that, and call them
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and say, you know, I got this text and I
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don't think it's true, but I want to verify with you.
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They're going to be able to tell you if you
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have anything you know on your on your record, So
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again that's your way to verify. But the first thing
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you need to do with any one of these three
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is try to just stay calm and do you do
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your research. A lot of times, with any of these,
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you could just put in your Internet search bar, you know,
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unpaid toll fees and put fraud or scam after it.
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You could put Arizona driving infraction, text message fraud or scam,
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you know, the uh NO show jury duty fees, something
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like that, and you be surprised at how much information
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you're going to see on the Internet about different people
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that have gotten these text messages is realized it was
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a scam, whether right off the bat they realized it
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was a scam, or maybe they called the appropriate respective.
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Department that handled these types of.
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And then verified with them if they really did owe
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any money. But you're going to find a lot of
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information if you just search for the situation online and
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just put frauder scam after it and just you'll probably
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also see maybe videos or articles about people that have
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been interviewed that have fallen victim to these scams, and
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you'll be able to see the details there if you did.
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You know, if you did engage with the text message
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and gave out any information, you are going to want
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to make sure that you you check your credit reports
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on a regular basis. If you gave out a credit card,
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you know number, you're going to want to check those
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transactions that come up and talk to the customer service
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at the credit card company and tell them I think I,
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you know, just gave my credit card information to a scammer.
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They'll shut the account down and then you'll, yes, you'll
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have to wait to get a new credit card, and
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you might have to if you have automatic payments coming
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through on that credit card. Yes you're going to have
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to contact those companies and give them the new information.
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But that is going to take a lot less time
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if you just let it go and have all these
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fraudulent charges that show up, because now you've got the
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added time of working with the credit card company determining
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which of those charges are real, you know, which you're fraudulent,
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and then you'll start the process of you know, getting
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a new credit card and having to call the thefferent
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companies for your automatic payments. So and you can also
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put credit alerts on your credit cards. Tell them you
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want to know every single transaction that's happened on your
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credit card, and then you'll get notified right away when
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a transaction happens, and you'll be able to determine if
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it's a legitimate transaction or if it's a fraudulent one,
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and you can nip it in the bud, mitigate the
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damages and and save yourself a lot of time and frustration.
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Some other things you know on the text messages, when
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you go to delete a text message, a lot of
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times it'll say along with delete, it'll say report junk
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and delete, and you can do that. You can report
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it to your service provider that it's junk, which helps
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and then you know, hopefully that will that will reduce
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the amount of text that you're getting from that phone number,
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but unfortunately scammers use a bunch of different phone numbers.
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But it's also a way to give out good information
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about about frauds that are going on. Another thing you
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can do is in your phone settings. It's called silence
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Unknown callers on the iPhones, and it's called block unknown
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callers on the androids.
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You can set this up for text.
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Messages as well, and what it does is any text
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message that comes through that is not from a phone
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