Tech Tip Tuesday: SMS Scams Are Getting Sneaky – 7 Ways to Spot Them Before They Spot Your Wallet

Techbear is dressed as Sherlock Holmes to investigate potential sms scams. He is looking at a phone screen with multiple 'red flag' keywords.

TLDR: SMS scams are exploding with fake job offers, government threats, and business “services” you can get for free. Learn to spot red flags, protect yourself, and what to do if you’re targeted. Your phone should work for you, not scammers!

Hello, my fabulous TechnoCubs! Your favorite digital diva, TechBear, is back with some piping hot tea about the latest scam epidemic flooding our phones. SMS scams are absolutely everywhere right now, and honey, they’re getting more sophisticated by the day.

Gone are the days of obviously fake “Nigerian prince” emails. Today’s scammers are sliding into your text messages with government logos, job offers, and business “opportunities” that look surprisingly legit. But don’t worry—TechBear’s got your back with everything you need to know about scam text messages and how to protect yourself.

Techbear is dressed as Sherlock Holmes to investigate potential sms scams. He is looking at a phone screen with multiple 'red flag' keywords.
TechBear, dressed as detective Sherlock Holmes, uses a magnifying glass to identify common SMS scam warning signs including urgent demands and suspicious verification requests

Why SMS Scams Are Exploding (And Why You’re a Target)

Text message scams are booming because they work. Here’s the scary truth:

  • 95% of text messages get read within 3 minutes
  • Scammers can send thousands of texts for pennies
  • People trust texts more than emails (big mistake, sugar!)
  • Mobile phones make us vulnerable when we’re distracted

According to the Federal Trade Commission, consumers lost over $2.7 billion to imposter scams in 2023. The result? Billions of dollars stolen every year through SMS fraud.

The Big Three: Most Common Text Message Scams Right Now

1. Fake Job Scams: “Easy Money” That Costs Everything

SMS scam example showing fake job offer text message from SimplyHired promising $10,000 monthly income with WhatsApp contact request - classic text message fraud red flags
Example of a fake job scam text message demonstrating common SMS fraud tactics including unrealistic pay promises and requests to continue communication via WhatsApp

The Setup: Someone contacts you on LinkedIn, Instagram, or even WhatsApp claiming to recruit for major companies like Amazon, Google, or Apple.

The Hook:

  • “Make $500/week working from home!”
  • “Just post product reviews and social media comments”
  • “No experience needed – start immediately!”

The Reality Check: Real companies don’t hire through random messages, darling. If Google needed product reviewers, they’d post on their actual careers page, not slide into your DMs.

Red Flags to Watch For:

  • Immediate job offers without interviews
  • Requests for personal information upfront
  • Payment required for “training materials”
  • Communication only through messaging apps
  • Too-good-to-be-true pay rates

2. Government Impersonation: Fear-Based Scam Tactics

Government impersonation SMS scam example showing fake Minnesota DMV text message demanding immediate payment with threats of license suspension - typical text message scam tactics
Screenshot of a scam text message impersonating the Minnesota Department of Motor Vehicles (DMV) using fear-based tactics and urgent payment demands to defraud recipients

The Setup: You get a text claiming to be from the DMV, IRS, or court system about urgent matters.

Common Examples:

  • “Final notice: Outstanding DMV fine requires immediate payment”
  • “IRS: Your refund is being held – verify account details”
  • “Court summons: Click here to avoid arrest warrant”

The Reality Check: Government agencies send official mail, not text messages about legal matters. The DMV isn’t texting you about fines, sugar!

Red Flags to Watch For:

  • Urgent deadlines creating panic
  • Threats of arrest or legal action
  • Requests for payment via gift cards or wire transfers
  • Generic greetings (no personal information)
  • Suspicious links or phone numbers

3. Business Scams: “Services” You Can Do Yourself

The Setup: Small business owners get calls or texts about “required” services or profile updates.

Common Tactics:

  • “Your Google Business Profile needs verification”
  • “We’ll set up your Yelp, Google, and Apple business listings”
  • “Final notice: Your directory listing expires today”

The Reality Check: You can create these profiles yourself for free! Google Business Profile, Yelp, and Apple Business Connect cost absolutely nothing to set up.

Red Flags to Watch For:

  • High-pressure sales tactics
  • Claims that free services require payment
  • “Exclusive partnerships” with major platforms
  • Requests for immediate payment
  • Vague service descriptions

How to Protect Yourself: TechBear’s 7-Step SMS Security Framework

SMS scams detection flowchart showing decision tree to identify text message fraud - comprehensive guide to spot scam text messages and protect against text message scams
Interactive flowchart helping users identify SMS scams through a series of yes/no questions covering urgent demands, personal information requests, and other common text message fraud red flags

Step 1: Pause and Breathe

When you get an urgent text, take a moment. Scammers count on panic decisions.

Step 2: Verify Independently

  • For government messages: Call the agency directly using official numbers from the IRS or Social Security Administration
  • For job offers: Check the company’s official careers page
  • For business services: Research what you can do for free

Step 3: Check the Details

  • Sender information: Does it match official sources?
  • Language quality: Are there spelling or grammar errors?
  • Links: Do they go to official websites?
  • Contact methods: Are they requesting unusual communication channels?

Step 4: Trust Your Instincts

If something feels off, it probably is. Your gut reaction is often right about text message fraud – just like our 7 powerful strategies to avoid digital traps remind us to stay vigilant year-round.

Step 5: Enable Security Features

Enable two-factor authentication on important accounts (learn more about setting up 2FA properly with our essential guide).

Step 6: Use Built-in Protection Tools

  • iPhone: Settings > Messages > Filter Unknown Senders
  • Android: Messages app > Settings > Spam protection
  • Both platforms: Enable caller ID and spam blocking

Step 7: Stay Updated on Security Practices

Monitor your accounts for suspicious activity and ensure you’re following proper password security practices to protect all your digital accounts.

What to Do If You’ve Been Targeted

If You Haven’t Responded Yet:

  1. Don’t click any links in suspicious messages
  2. Block the number immediately
  3. Report the scam to your mobile carrier (forward to 7726/SPAM)
  4. Delete the message completely

If You’ve Already Engaged:

  1. Stop all communication immediately
  2. Don’t send money or personal information
  3. Monitor your accounts for suspicious activity
  4. Report to authorities (FTC Consumer Sentinel, FBI’s IC3, local police)
  5. Alert your bank if you shared financial information

Advanced Protection: Making Your Phone Scam-Resistant

Enable Built-in Protections:

  • iPhone: Settings > Messages > Filter Unknown Senders
  • Android: Messages app > Settings > Spam protection
  • Both platforms: Enable two-factor authentication on important accounts

Third-Party Options:

  • Truecaller: Identifies and blocks known scam numbers
  • Hiya: Spam detection and call blocking
  • RoboKiller: Advanced spam filtering

Create Personal Rules:

  • Never give personal information via text
  • Always verify urgent requests through official channels
  • Be suspicious of unsolicited opportunities
  • When in doubt, don’t engage

Whether you’re in Edina, Northeast Minneapolis, or anywhere in the Twin Cities area, these protection strategies work universally to keep your personal information safe.

The Bottom Line: Your Phone Should Work for You, Not Against You

SMS scams are getting more sophisticated, but they all rely on the same basic tactics: urgency, fear, and greed. By staying informed and following these protection strategies, you can keep your personal information and money safe.

Remember, darling: If someone is trying to rush you into a decision via text message, that’s usually the best reason to slow down and think it through.

Take Action Today

  1. Review your current text messages for anything suspicious
  2. Enable spam filtering on your phone
  3. Share this information with family and friends
  4. Stay vigilant – scammers are always evolving their tactics

Your security is worth more than any “easy money” opportunity or urgent government notice. Stay safe out there, my gorgeous TechnoCubs!


About TechBear

TechBear is the fabulously flamboyant digital diva who claims to have personally debugged the Matrix using nothing but a bedazzled keyboard and pure attitude. Legend has it he once out-coded a quantum computer in a heated game of digital chess while simultaneously hosting a dinner party for seven Nobel laureates and three confused penguins. His resume allegedly includes stints as the secret tech advisor to NASA’s alien contact division, chief security officer for a interdimensional WiFi network, and that one time he supposedly fixed Google’s search algorithm during a particularly dramatic karaoke rendition of “My Way.” Whether any of this is true remains delightfully unverifiable, but his tech advice is genuinely solid—even if it comes with a side of sass that could power a small city.

Got a burning tech question or need some digital drama in your life? Email TechBear directly at TheRealTechBearDiva@gmail.com for advice that’s equal parts helpful and hilariously honest.


About Jason

Jason (he/his) is the Chief Everything Officer, Evil Mastermind, and Head Brain-Squirrel Wrangler at Gymnarctos Studios, working from his not-so-secret lair in the Twin Cities. While TechBear likes to claim Jason is his alter ego, the truth is far more mundane—Jason is a full-stack developer, tech educator, gay sci-fi nerd, and caffeine-based lifeform who happens to have created one very sassy digital bear. When not conjuring elegant code from chaos or herding brain squirrels with caffeine buzzes, he can be found poking string with metal sticks to make beautiful shawls, turning client chaos into clean architecture, or explaining why your website isn’t working (again) with the patience of a saint and the sass of a drag queen.


About Gymnarctos Studios

Gymnarctos Studios is a Minneapolis-based tech company nestled in the suburbs of Edina, Minnesota, where digital dreams come to life and technical nightmares go to die. Founded by Jason as a way to combine his love of technology with his questionable life choices, the studio specializes in home user and small business IT consulting—fixing WiFi that mysteriously stops working, troubleshooting computers that develop mysterious grudges, advising on hardware purchases that won’t become expensive paperweights, installing software without breaking everything else, and the fine art of making technology less terrible for individuals and small businesses across the Twin Cities and beyond. From getting your printer to actually print to security advice that actually makes sense, Gymnarctos Studios proves that quality tech services don’t have to be boring—they just have to work.

Ready to make your technology work FOR you instead of against you? Contact us at gymnarctosstudiosllc@gmail.com for serious business inquiries, project consultations, or to schedule your own personal tech intervention.


© 2025 Gymnarctos Studios LLC. All rights reserved. TechBear’s claims of interdimensional tech support cannot be verified and should not be used as evidence in any court of law, parallel universe, or family dinner argument.

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