2023年11月12日 • 3分钟
Perhaps it’s happened to you: 你r financial institution texted you to verify unauthorized charges made to your account. If your first response is to reply to the sender, you’re not alone — but before you do, it’s important to step back and review the message closely. 你 may have been targeted in a spoofing attack.
诈骗短信 — also known as “smishing” — use SMS messages to “spoof,或者看起来像, 合法来源, such as a financial institution or government agency. 这种类型的 网络钓鱼 呈上升趋势, with consumers reporting $330 million in losses due to text scams in 2022 – double the losses reported in 20211.
Bogus bank fraud warnings are the most common type of text message scam, according to the Federal Trade Commission. 在这种骗局中, a fraudster will send thousands of messages to area codes within a geography served by a bank or credit union such as Patelco. 目的? To collect money or personal information, such as your Social Security number, for possible 身份盗窃.
Would you have known the text below is NOT from Patelco? Read on to learn how you can tell messages like this are fake!
No matter what fraudsters do to try and trick you, you can fight back to protect yourself. 方法如下:
Text scams usually come from wrong numbers, usually a 10-digit number that looks a lot like a regular phone number. It may even be very similar (or identical) to your financial institution’s actual phone number – this is because fraudsters can spoof numbers. Sometimes scammers also use an email address (which can also be spoofed) or an international phone number.
看看上面的图片. See how the number is a regular phone number? Real Patelco fraud prevention messages asking you to verify a transaction always come from a short code, which is five to six digits long, and can only send and receive 文本. Real Patelco 文本 will not come from an email address.
If you’re ever unsure if you’re being contacted by us or a fraudster, don’t reply. Reach out to us first: call our fraud specialists at 800.358.8228 然后输入extension 5323 当提示.
调用, 文本, and emails can all be made to look like they’re coming from Patelco or other institutions but can be from fraudsters – even if your Caller ID or text message app says it’s from Patelco. Stay alert for anything that seems out of place, and then ask us before responding or taking action.
你r best practice is to only call numbers printed on your card, or numbers you find on jinken-fukuoka.com (这个网站). And don’t trust an incoming call just because your Caller ID shows one of these numbers.
Whether by text, email, or phone, Patelco will never call you for personal information like:
We may call you to verify something, but we won’t ask you for the information above unless you initiate the conversation or request we contact you.
Another common tactic is faking sites that look like real URLs but are a bit different. 欺诈者可能会创建这样的URL patelco.商业 or potelco.org 看起来很像 jinken-fukuoka.com，但它们是假的.
我们 constantly working to remove sites like these as they pop up. 你 can protect yourself by checking links before you click. On a computer, hover your cursor over the link (without clicking) to see the URL. On a mobile device, press and hold to preview the URL before opening it.
We’ve all had that feeling—do I click on that? 谁在呼唤我? Learn what is 网络钓鱼, how does it work, and how to identify and avoid 网络钓鱼 scams.
不要被骗子骗了. Look for these warning signs to identify a possible scam and protect yourself!
If you’ve been affected by an online scam, it’s important to notify your bank and government agencies that track and investigate these crimes. Follow these steps to recover from the fraud.
1 Federal Trade Commission, IYKYK: The top text scams of 2022
