How To Identify a Fake Text Message

Have you ever received a text message that claimed to be from Chase Bank or some other financial institution, only to realize it was a scam once you clicked on the link? It’s crucial to understand how to identify a fake text message to prevent falling prey to such scams.

As more financial transactions take place online, criminals are finding ways to exploit people through fake text messages. These fraudulent texts can be used to steal personal and financial information or infect your device with malware.

It’s important to be aware of how to identify a fake text message. In this article, we will discuss how to recognize Chase text scams and provide tips to stay safe online. By the end of this article, you will feel confident in identifying and avoiding fraudulent texts.

What Are Fake Text Message Scams?

Fake text message scams and spam text messages are a form of SMS phishing, where criminals use texts or emails disguised as legitimate messages to try and steal personal information or money. These scams often take the form of messages purported to come from banks or other financial institutions such as Chase Bank.

The scammer behind the text will typically direct the recipient to a fake website where they request the person’s login credentials, credit card information, bank account numbers, passwords, or other personal details in these phishing scams.

These include bank text message scams, invoice text scams, kidnapper text scams, police text scams, fake bank texts,  fake family emergency scam texts or calls, gift card scams, and other texts with a scam link or phishing link.

Why Do People Send Fake Text Messages?

People send fake text messages and scam texts for a variety of reasons. In most cases, it is to try and get the recipient to give up personal information or money. Fraudulent text messages or email text messages can also be used to push malicious software onto a person’s device, allowing the scammer to gain access to personal files or take control of the device remotely.

Once the person has gotten your personal information, there is a variety of things that they can do with it. For example, they can use it to open a bank account in your name or use it to purchase goods online. They can also use it to gain access to other accounts in your name, such as email or social media accounts.

With the information gained from a fake text message, someone could steal your entire identity. This identity theft is why it is so important to know how to identify a fake text message, so that you can be aware of how vulnerable you are and take steps to protect yourself from these scams.

How To Identify A Fake Text Message

There are several ways to identify a fake text message. Here are some common examples and tips for spotting a scam:

1. Look out for typos and poor grammar – Scammers often have poor writing skills, so if the text has obvious typos or poor grammar, it is likely a scam.

2. Check the sender’s phone number – Scammers often use spoofed phone numbers to send fake messages, so if the number doesn’t match up with a legitimate source, it could be a fake text message.

3. Be wary of urgent requests – If the text is asking you to take urgent action or provide sensitive information, it is likely a scam.

4. Be wary of links – If the text contains a link, it is best to avoid clicking on it as it could lead to a malicious website or download malware onto your device. Any link is a suspicious link.

5. Research the company’s contact information – If the text claims to be from a legitimate company, do some research and make sure that the number matches up with one used by the company.

6. Verify the Source: When receiving a text message, always verify that it is from the source it says it is from. If you receive a text from Chase Bank but have no account with them, it is likely a scam.

7. Check the sender’s name: Legitimate financial institutions such as JPMorgan Chase Bank will not send texts from an unknown number or anonymous email address. Double check that the text is from a valid source.

How to Identify a Fake Text Message from Chase Bank

When it comes to identifying a fake text message from Chase Bank or looking for signs of fraud on your mobile phone, there are several things you should look for. Many of them will coincide with the red flags that you’ll see from any other fake text message. Here are some ways to know if a text message came from Chase Bank:

  • Avoid taking action. If a text message from Chase Bank asks you to take action, such as clicking on a link or entering personal information, it is likely not genuine. The bank will never ask you to take these types of steps in response to an unsolicited text nor ask for your personal details.
  • Verify the sender’s phone number. To make sure that a suspicious text message on your messages app is from Chase Bank, compare the phone number and email address to the contact information listed on the bank’s website.
  • Check for spelling mistakes and grammar errors. Scammers often make mistakes with spelling, grammar, and punctuation in spam texts and phishing texts. If the unsolicited text message contains these errors, it is likely not from Chase Bank, but is a spam message.
  • Research any links that are included in an incoming text message message. Before clicking on a link, make sure that you know where it will take you. If it is a link that you do not recognize, it is best to avoid clicking on it.
  • Call your bank. If you do bank with Chase, they should be able to verify whether they sent you a text and check your online accounts for fraudulent transactions. Their fraud department can also help you report any fake text messages or suspicious emails that you may have gotten that wasn’t from them, or other malicious activities.

It is important to be careful when clicking on suspicious links in text messages, even if they appear to be from a trusted source. Scammers often disguise their malicious links as legitimate ones, so double-check the URL before clicking on it.

Additionally, never open attachments from unknown senders as these could contain viruses or malware that can compromise the security of your device.

Should You Use Virus and Malware Protection on Your Phone?

In order to protect yourself from fake text messaging scams and avoid downloading malware or viruses from a fake link, should you install a virus and malware protection app?

Yes, installing a virus and malware protection app on your phone is highly recommended. Not only will it help protect you from fake text messages, but it can also help to detect malicious links and downloads that may be trying to access your personal information, offering some identity theft protection

Additionally, many of these apps come with other features like anti-theft measures or web filtering capabilities which can further increase the security of your device. They can go a long ways in preventing you from being a victim of financial fraud from a popular text scam.

You may also want to look into purchasing some form of identity theft insurance if you do a lot of business online, to avoid sending money to scammers. Spam call-blocking tools and other digital security tools are also helpful.

Here are some of the top choices for virus and malware protection on your smart phone:

1. Clean Master: This app offers real-time protection from viruses, malware, and more. It also has an anti-theft feature that allows you to remotely lock your Android phone if it gets lost or stolen.

2. Avast Mobile Security: This app provides full protection from viruses, malware, and other online threats. In addition to this, it comes with a powerful firewall and anti-theft features.

3. Lookout Mobile Security: This app provides full protection from viruses, malware, and other online threats. It comes with a wide range of additional features such as automatic backups, secure web browsing, and more.

4. McAfee Mobile Security: This app helps to protect your phone from online threats and offers a range of anti-theft features. It also provides real-time scanning for malicious apps and websites.

5. AVG Antivirus: This app provides comprehensive protection from viruses, malware, and other online threats. It comes with a wide range of additional features such as privacy protection, safe browsing, and more.

Resources for Reporting Suspected Scams

It is important to report scams as soon as possible, so that scammers can be stopped. This not only helps to prevent anyone else from being scammed, but keeps costs down for goods and services as well.

If you suspect that you have received a fake text message or have been a victim of fraud, it is important to report it to the relevant authorities. Here are some resources that can help you do just that:

1. The Federal Trade Commission’s Complaint Assistant tool: This online tool allows you to file a complaint with the FTC about any suspicious messages you may have received.

2. The FBI’s Internet Crime Complaint Center: You can use this website to report any internet-related scams or frauds that you may have encountered.

3. The National Fraud Information Center: This website provides helpful information about how to avoid online scams and how to protect yourself from them if you do encounter them. It also provides a way to report any suspicious messages you may have received.

4. The Department of Justice’s National Center for Disaster Fraud: This website provides helpful information about how to recognize and report any disaster-related scams or frauds that you may have encountered.


Fake text message scams are becoming increasingly common, and it is important to know how to identify a fake text message in order to protect yourself and your finances. By following the tips outlined above, you should be able to recognize a scam and take steps to avoid falling victim to one.

bryan rucker writer for romancescams
Written by Bryan Rucker

Brian Rucker writes about all things related to online dating and lifestyle. He has written hundreds of articles, specializing in online dating scams, and has written other fun and exciting topics in the online dating space. Read more of Bryan's articles.

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