Avoid Text Scams: T-Mobile Impersonation Alert

Stay Alert!

Text message scams —also known as smishing—continue to rise, and fraudsters are getting better at making their messages look legitimate.

Recently, several MyPoint Credit Union members reported receiving suspicious text messages that appear to come from well-known brands like T‑Mobile. These messages often claim you have rewards, points, or offers that are about to expire and urge you to act quickly.

While they may look convincing, these messages are often scams designed to steal your information.

How These Scams Work

Scammers send text messages that:

Pretend to be from a trusted company (like a mobile carrier or retailer)
Create urgency (e.g., “Your rewards expire today”)
Include a link prompting you to take immediate action

If you click the link, you may be directed to a fake website that looks real. There, scammers attempt to collect:

Login credentials
Personal information
Debit or credit card details

In some cases, they may even ask for a one-time verification code to access your accounts.

Red Flags to Watch For

Be cautious if you receive a text message that includes:

Claims that rewards, points, or offers are expiring “today”
Unexpected links asking you to “claim,” “verify,” or “redeem”
Requests for personal, financial, or login information
Requests for one-time authentication or verification codes

A good rule of thumb: If you didn’t expect the message, don’t trust the link.

What to Avoid

To protect yourself, avoid the following:

Clicking links in unexpected or unsolicited texts
Entering personal or financial information into websites from text messages
Sharing one-time verification codes with anyone—especially from a text message

What You Should Do Instead

If you receive a suspicious message:

Go directly to the official website or app of the company—do not use the link in the message
Delete the message once you recognize it as suspicious
Report the message to your mobile carrier if possible

Taking a moment to verify independently can prevent unauthorized access to your accounts.

Ongoing Fraud Trends to Be Aware Of

Text scams are just one example of how fraud continues to evolve. Other common scams include:

Fake free trial offers that capture payment details
“Card cracking” schemes promising quick cash
Investment scams offering unrealistic returns
Elder fraud targeting vulnerable individuals
Emerging risks involving artificial intelligence and impersonation

Learn more about these scams and how to stay protected in our recent blogs: