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How Impersonation Text Scams Work

November 11, 2025
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How Impersonation Text Scams Work

Impersonation bypasses natural skepticism. Our Scam Text Analyzer tool identifies impersonation tactics.

Common Categories

Financial Institutions

Banks, credit cards, payment platforms.

Government Agencies

IRS, Social Security, Medicare, law enforcement.

Family Members

Children, grandchildren, relatives in emergencies. See Voice Scam Risk

Delivery Services

USPS, FedEx, UPS, Amazon.

Employers

Bosses, HR, IT departments.

Tech Companies

Apple, Google, Microsoft, social media.

How to Verify

For Organizations

  • Don't use contact info from the message
  • Look up official numbers
  • Check official apps

For Family

  • Call at known numbers
  • Ask personal questions
  • Contact other family members

Visit our Identity Safety Guide for more verification strategies.

Report AI Fraud to StopAiFraud.com →

Visit Safety Tools for more resources.

🛡️ Support the SAF Mission

These free tools are powered by community support. Help us protect more people from AI scams—every donation funds educational materials, fraud detection tools, and awareness programs.

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Frequently Asked Questions

Q: What is a text message scam?

A: A text message scam (also called smishing) is a fraudulent SMS or text message designed to trick you into providing personal information, clicking malicious links, or sending money. Scammers often impersonate banks, government agencies, delivery services, or family members to create urgency and manipulate victims.

Q: How can I tell if a text is a scam?

A: Look for red flags including unexpected urgency, requests for personal information, threats of consequences, suspicious links, generic greetings, poor grammar, unfamiliar sender numbers, and requests for unusual payment methods like gift cards or wire transfers. When in doubt, verify the sender through official channels before responding.

Q: What should I do if I receive a suspicious text?

A: Do not respond, click any links, or call numbers provided in the message. Verify the sender by looking up the organization's official contact information independently. Forward suspicious texts to 7726 (SPAM) to report to your carrier. Document the message with screenshots and report it to the FTC at ReportFraud.ftc.gov.

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