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patch.com
· 2025-12-08
Minnesota state officials warned residents of a phony text message scam impersonating a non-existent "Minnesota Department of Motor Vehicles (DPSMN)" that falsely claims recipients have outstanding traffic tickets and threatens license suspension and credit damage unless they pay through a suspicious link. The Minnesota Department of Vehicle Services confirmed the scam is circulating statewide and emphasized they never request payment via text. Officials advised residents to delete the messages, avoid clicking links, and report suspected scams to the Minnesota Attorney General's Office or Federal Trade Commission.
wpst.com
· 2025-12-08
A scammer in Mercer County, New Jersey impersonated a Lieutenant from the Prosecutor's Office, calling a victim and claiming a family member had an outstanding warrant requiring a $10,000 Bitcoin ATM deposit. The Mercer County Prosecutor's Office warns that legitimate law enforcement will never request money, financial information, or personal details over the phone, and advises residents to hang up and report suspicious calls immediately.
saltwire.com
· 2025-12-08
Whitbourne RCMP reported two grandparent scam attempts targeting elderly victims in June 2025, in which scammers impersonated police and family members to request emergency funds. One victim lost $20,000 after being told her grandson needed bail money and was coached on how to withdraw cash discreetly; a second attempted scam was prevented when a family member intervened after the victim was pressured to purchase gift cards. The RCMP warns that scammers use fear-based tactics and advises residents to verify claims directly with sources and never share personal information.
denver7.com
· 2025-12-08
The Colorado Department of Motor Vehicles is warning residents of a text message scam claiming recipients have outstanding traffic tickets and threatening license suspension or prosecution to pressure them into paying fake fines. The DMV clarified it never initiates contact via text and advises recipients not to click links or provide personal information, while the Better Business Bureau recommends verifying sender identity, avoiding suspicious links, and reporting such messages as junk.
pennlive.com
· 2025-12-08
DMV officials across multiple U.S. states issued advisories in May warning citizens about text message scams impersonating the DMV and demanding payment for fake "outstanding tolls" or traffic violations, with messages threatening license suspension, penalties, or legal action. The fraudulent texts use official-looking ".gov" links and domain variations (such as "ezpassnj") to appear legitimate, targeting unsuspected victims in at least ten states including New York, New Jersey, Florida, and California. Authorities recommend recipients delete the messages immediately, avoid clicking links or providing information, and report the scams to the FTC or their service provider via the SPAM hotline (7726).
wgal.com
· 2025-12-08
The Federal Trade Commission warned of investment scams on social media where hackers compromise victims' accounts to post bank account screenshots and fake investment opportunities promising quick returns with little risk, typically requesting a few hundred dollars via cryptocurrency or payment apps before blocking the victim. The FTC advises consumers to resist pressure to act immediately, research companies using terms like "scam" or "fraud," and remember that no legitimate investment guarantees returns. Victims should alert their compromised contacts directly in case their accounts have been hacked.
businessinsider.com
· 2025-12-08
Text message job scams have surged dramatically, with reported losses reaching $470 million in 2024—five times the 2020 amount—making job offers the second most common scam after fake package delivery. Scammers pose as recruiters from well-known companies, using increasingly sophisticated AI-crafted messages to lure vulnerable job seekers with unrealistic offers, then steal personal information (Social Security numbers, IDs, bank details) or trick victims into sending money for supposed work equipment. The problem is expected to worsen as economic uncertainty and remote work demand increase, making people more susceptible to these plausible-seeming frauds.
goerie.com
· 2025-12-08
Police are warning the public about a widespread DMV text message scam that threatens to suspend vehicle registration unless victims click malicious links and pay fake fines, with reports across multiple states including Illinois, Pennsylvania, Florida, and New Jersey. The scam is part of a broader wave of "smishing" (SMS phishing) attacks designed to steal personal and financial information by creating panic and prompting immediate action. To protect yourself, do not click links in unsolicited DMV texts, report suspicious messages to the FTC and your wireless provider, and verify any requests directly through your state's official DMV website or phone number.
verywellmind.com
· 2025-12-08
This educational article from Verywell Mind explains that phishing scams and fraud are widespread in the digital age, using psychological manipulation tactics that can deceive even intelligent individuals. The piece emphasizes that banks never initiate contact about suspicious account activity, and advises readers that falling victim to scams is not a reflection of intelligence or gullibility but rather a result of sophisticated criminal tactics. It also stresses the importance of self-compassion for scam victims and introduces a series covering common fraud types, psychological vulnerabilities exploited by scammers, and prevention strategies.
torontoguardian.com
· 2025-12-08
Romance scams cost Americans $1.3 billion in 2022, with nearly 70,000 people reporting losses, according to recent findings. Contrary to common assumptions, adults aged 18-59 are 13% more likely to fall victim than those over 60, though older victims typically lose nearly twice as much money per scam. Romance scammers employ sophisticated tactics including creating fake personas (military personnel, offshore workers, or those with emergencies), moving conversations to private messaging apps, and gradually requesting financial assistance, with half of 2023 fraud cases originating on mainstream social media rather than dedicated dating sites.
theindependent.sg
· 2025-12-08
The U.S. Treasury Department sanctioned Funnull Technology Inc., a Philippine-based tech firm, for supplying infrastructure to host over 332,000 fraudulent cryptocurrency investment domains used in "pig butchering" scams. These elaborate romance-based schemes victimized thousands of people, causing average losses of $150,000 per victim with total damages exceeding $200 million. The company, registered in the Philippines in 2021, purchased bulk IP addresses from cloud providers and sold them to scammers to evade detection, while also compromising a widely-used JavaScript library to redirect users to malicious sites.
bangaloremirror.indiatimes.com
· 2025-12-08
A Bengaluru pre-owned motorcycle dealer lost Rs.38.85 lakh in a "pig butchering" scam that combined romance fraud with cryptocurrency investment schemes. A woman posing as "Lakshmi Priya" connected with him on a matrimonial site, built emotional trust through video calls with fake family members, and convinced him to invest in a fraudulent cryptocurrency trading platform called "Bost Base," showing fake returns that eventually reached Rs.1.4 crore. When he attempted to withdraw his funds, he was told he needed to pay Rs.21 lakh in "UK taxes" and, after borrowing money from friends and family to complete this payment
roanoke-chowannewsherald.com
· 2025-12-08
Detective Darrell Rowe of the Northampton County Sheriff's Office presented at an Elder Abuse Awareness event to educate older adults about financial exploitation, which includes family members misusing benefits or bank accounts and strangers conducting home repair scams, grandchild bail scams, and IRS impersonation scams. Rowe emphasized that victims are often reluctant to report abuse due to shame and that it is difficult to recover lost money, recommending community members verify suspicious calls with family and report potential scams to law enforcement or DSS before sending any money.
waka.com
· 2025-12-08
The Alabama Tombigbee Regional Commission held a free Fraud Summit in Selma to educate residents about common scams targeting seniors, including text messages impersonating postal services or toll road operators. Attendees were advised not to respond to suspicious communications, avoid clicking links, and contact police if targeted, as these scams aim to steal personal information from victims' phones.
westsidespirit.com
· 2025-12-08
This educational article outlines scam prevention strategies shared at a training session in New York targeting older adults. Key advice includes slowing down, consulting friends or neighbors before responding to suspicious requests, and avoiding sharing personal information—as scammers rely on speed and isolation to succeed. Common scams affecting seniors include romance scams, postal fraud, charitable giving scams, and text message schemes, with perpetrators often prioritizing theft of personal data (like Social Security numbers or credit card information) over individual payments.
fox13memphis.com
· 2025-12-08
Tennessee law enforcement agencies warned residents about fraudulent text messages impersonating the Department of Motor Vehicles, claiming recipients have outstanding traffic tickets and threatening driver's license or registration suspension unless fines are paid via fake websites. The scammers use official-looking messages and links to trick victims into providing payment information. Authorities advised residents to avoid clicking suspicious links, verify contact information directly through official channels, and report scam messages to the Federal Trade Commission or Internet Crime Complaint Center.
witn.com
· 2025-12-08
Officials in Pitt County, North Carolina warned residents of a widespread DMV scam text campaign, where scammers impersonate the Department of Motor Vehicles and other trusted entities (UPS, tolls, jury duty) to create false urgency and pressure recipients into making immediate payments. The scam texts, which originate from random codes or email addresses rather than phone numbers, use threats of license revocation, jail time, or financial penalties to manipulate victims. Authorities advise residents to never click suspicious links, verify payment websites independently, and report suspicious texts to their mobile carrier or the Federal Trade Commission, noting that legitimate DMV communications never request payment via text.
news9.com
· 2025-12-08
The Oklahoma Highway Patrol and Service Oklahoma are warning drivers of a text message scam falsely claiming to be from the Oklahoma DMV requesting payment for overdue traffic fines. Recipients should not respond to or click links in these fraudulent messages, which threaten penalties for unpaid traffic violations.
hawaiinewsnow.com
· 2025-12-08
The Hawaii State Judiciary warned the public about a text message scam impersonating the DMV, which threatened suspension of driving privileges and vehicle registration unless payment for unpaid traffic citations was made. Officials clarified that legitimate DMV and court communications about unpaid citations only occur through U.S. mail, not via text, phone, or email.
journal-news.com
· 2025-12-08
A 67-year-old Ohio woman was victimized by a cryptocurrency scam where she was instructed to withdraw cash and deposit it into a Bitcoin ATM via QR code—one of hundreds of similar cases targeting seniors in Ohio in 2024, often impersonating companies like Amazon, FedEx, or federal agencies. Americans aged 60+ lost nearly $4.89 billion to internet fraud in 2024 (a 46% increase from 2023), with cryptocurrency scams being particularly difficult to reverse once funds are transferred through digital wallets and mixers that obscure transaction origins. Law enforcement emphasizes that quick reporting is critical to recovering funds, and legitimate companies never request payments
westsidespirit.com
· 2025-12-08
This educational article outlines scam prevention strategies for seniors based on a training session at the JCC Marlene Myerson Center in New York. Key scam types targeting older adults include romance scams (exemplified by a woman who sold her house after being deceived by a fake Amnesty International worker), postal fraud, charitable giving scams, and text message schemes originating from the Philippines. The training recommends three defense strategies: slowing down decision-making, consulting friends or neighbors before acting, and avoiding any response, payment, or personal information disclosure, as scammers rely on speed and isolation to succeed.
silversurfers.com
· 2025-12-08
This article describes seven prevalent scams on social media targeting users: fake shop accounts, phishing scams with malicious links, fake giveaways, investment scams promising high returns, romance scams, impersonation scams, and charity scams exploiting crises. The article advises users to verify sources, avoid clicking unsolicited links, use strong passwords with two-factor authentication, and stay educated about evolving fraud tactics to protect themselves and report suspicious activity to platforms.
boredpanda.com
· 2025-12-08
A woman fell victim to a romance scam when an online boyfriend requested $10,000, but she initially rejected her coworker's warning and only recognized the deception when unable to provide the money. The article highlights that romance scams cost victims over $1.14 billion in 2023, with scammers building trust over time before requesting money, and recommends warning signs include unsolicited contact, requests for funds, reluctance to meet in person, and profiles that seem too good to be true.
sundayworld.com
· 2025-12-08
A 50-year-old woman from Cork was convicted of money laundering after losing €50,000 in a romance scam orchestrated by a crime gang that impersonated a US Marine using stolen images of actor Justin Melnick. The scammers used fake dating profiles, doctored videos, and a fraudulent military spouse association website to convince the victim to send money over 18 months, ultimately implicating her in criminal activity when they asked her to transfer €17,000 through her bank account for alleged squad members. The victim revealed she was vulnerable due to childhood emotional neglect and the scammers exploited her desire for emotional connection and religious faith to gain her
abc.net.au
· 2025-12-08
Consumer Protection WA warned of escalating scratchie mail scams involving fake scratch-off tickets offering $US240,000 prizes sent via registered post from Kuala Lumpur, which request personal identification details and payment to claim winnings. Five West Australians lost $30,550 total to these scams over the past year, with scammers using collected personal information for identity theft, loans, and other fraudulent purposes. Since 2020, Australians have lost more than $5.8 million to unexpected winnings scams overall, and authorities advise recipients to never share ID documents and remember that legitimate prizes never require payment to claim.
aol.com
· 2025-12-08
Scam DMV text messages circulating recently likely obtained phone numbers through data brokers who purchase and sell personal information harvested from public records, social media, retail transactions, and corporate partnerships. The largely unregulated data broker industry collects and resells sensitive data including phone numbers, location history, and family information, with only a handful of states requiring brokers to delete consumer data upon request. Experts warn this practice poses significant risks beyond spam texts, including national security concerns, as demonstrated by 2023 research showing data brokers sold detailed information about active-duty service members and their families.
boothbayregister.com
· 2025-12-08
The Federal Trade Commission estimated that criminals stole approximately $61.5 billion from adults age 60 and over in 2023, with elder financial abuse coming from both known perpetrators and stranger scams. AARP highlights preventive measures including adding trusted contacts to financial accounts, freezing credit to prevent unauthorized accounts, and using robocall/text blockers to reduce exposure to phone-based scams. The article emphasizes that these proactive steps can significantly protect older adults' financial security.
ibtimes.co.uk
· 2025-12-08
Barclays UK released research revealing the top 10 scams affecting British consumers in 2024, finding that one in five people were scammed and a third know someone who was. The most common scams include fake delivery notifications (51%), HMRC impersonation (42%), purchase fraud (40%), and online marketplace scams (38%), with the bank advising consumers to verify companies, avoid pressure tactics, and be skeptical of offers that seem too good to be true. Barclays and tech companies like Google are implementing better detection tools, though consumers must remain vigilant with strong passwords and skepticism to protect themselves.
gvnews.com
· 2025-12-08
Bitcoin ATMs are increasingly being exploited as tools to facilitate scams targeting older adults, according the R.O.S.E. (Resources/Outreach to Safeguard the Elderly) organization and law enforcement officials. While Bitcoin ATMs themselves are legal, scammers leverage victims' confusion about cryptocurrency to direct them to these machines to transfer money, making them effective "scam facilitation" devices. The article warns seniors to be suspicious if anyone—particularly in romance, tech support, or investment scams—instructs them to use Bitcoin ATMs.
41nbc.com
· 2025-12-08
A text message scam is targeting Georgia drivers, with fraudulent messages falsely claiming to be from the "Georgia State Department of Motor Vehicles" and demanding gift card or cryptocurrency payments for alleged outstanding traffic tickets under threat of license suspension. Monroe County Sheriff Brad Freeman warns that legitimate traffic ticket payments are only accepted as cash, cashier's checks, or money orders to the court clerk, and advises recipients to avoid clicking links or calling numbers in suspicious messages, instead contacting their local law enforcement or checking the Georgia Department of Driver Services website directly.
klkntv.com
· 2025-12-08
The Lincoln Police Department and several Nebraska counties are warning residents of a text message scam in which scammers impersonate the Nebraska Department of Motor Vehicles and threaten license revocation due to unpaid traffic fines. The scam uses urgency and fear tactics to trick recipients into clicking suspicious links or paying money, and police advise victims to report such messages to the FTC, FBI, or their phone carrier, while independently verifying any claims directly through official agency websites rather than through information provided in the suspicious text.
usatoday.com
· 2025-12-08
DMV text message scams, known as "smishing," are expanding across multiple states including Colorado, Indiana, Minnesota, California, Michigan, and North Carolina, with earlier warnings issued in Illinois, Pennsylvania, Florida, New Jersey, Georgia, and New York. These fraudulent texts falsely claim recipients have unpaid traffic tickets or outstanding bills and threaten consequences like vehicle registration loss, driving privilege suspension, or credit score damage unless they click a link and pay. The Federal Trade Commission advises recipients not to click links or respond, instead contacting their state DMV directly through official channels and reporting the messages to their wireless provider, the FTC, and the FBI's Internet Crime Complaint Center.
nzherald.co.nz
· 2025-12-08
This educational piece outlines common scam types affecting email and social media users, including phishing, romance scams, investment fraud, and ATM skimming, noting that scammers exploit vulnerable people in distressing situations. New Zealand's Banking Association is implementing protections by November that will require banks to reimburse fraud victims up to $500,000 under certain conditions and use new technology to detect suspicious transactions. The article emphasizes that awareness and family support are critical defenses, as even tech-savvy individuals can fall victim to fraud.
yahoo.com
· 2025-12-08
Readers shared their experiences with robocalls, robotexts, and scams in response to a columnist's article about the problem, offering various coping strategies and expressing frustration with inadequate government regulation. One reader described a kidnapping scam targeting her family that demanded money to release her stepdaughter, which police confirmed as a common scheme, while another recommended AARP's "The Perfect Scam" podcast as an educational resource about various fraud tactics. Readers emphasized that ignoring calls from unknown numbers, not engaging with scammers, and reporting incidents to police are effective ways to protect themselves from financial loss and emotional distress.
businesskorea.co.kr
· 2025-12-08
Despite fraud crimes surging nearly 50% over the past decade in South Korea, victim compensation remains inadequate, with criminal restitution averaging only 7.77 billion won annually and court-ordered compensation claims facing a declining approval rate that fell to 35.5% in 2023. The current Corrupt Asset Confiscation Act limits restitution eligibility to habitual or organized fraud cases, excluding emerging scams like jeonse scams, stock trading chatroom schemes, and romance scams, leaving victims of these rapidly proliferating frauds without adequate relief options. Legal experts and lawmakers are calling for amendments to expand confiscation and compensation provisions to cover new fraud types and improve victim
ajirayako.co.tz
· 2025-12-08
This is a job posting, not an article about elder fraud, scams, or elder abuse. It describes a Senior Program Officer position at Jhpiego, a nonprofit health organization affiliated with Johns Hopkins University, focused on HIV services coordination in Tanzania. This content is not relevant to the Elderus elder fraud research database and does not require summarization for that purpose.
newindianexpress.com
· 2025-12-08
**Summary:**
This article covers an educational masterclass on artificial intelligence organized for senior citizens in India, featuring experts who demonstrated how AI tools like ChatGPT can enhance safety, independence, and quality of life for elders. Around 130 seniors learned practical applications including health monitoring, home security, fact-checking, deepfake identification, and fraud detection, with organizers planning future programs focused on protecting seniors from cybercrime.
wtvm.com
· 2025-12-08
The Alabama Law Enforcement Agency (ALEA) warned residents of a nationwide phishing scam using text messages falsely claiming to be from a nonexistent "Alabama Department of Vehicles (DMV)," threatening driving privilege suspension and vehicle registration cancellation unless payment is made for fabricated traffic tickets. ALEA clarified that it does not send unsolicited threat messages and advised citizens to avoid clicking suspicious links, refuse to provide personal information, and report phishing attempts to the Federal Trade Commission or IC3.
foxnews.com
· 2025-12-08
Online scammers use fake login alert emails impersonating legitimate companies like Google, Apple, and Facebook to create urgency and fear, tricking victims into clicking malicious links that lead to fake login pages where attackers steal credentials and personal information. The scam is effective because it mimics genuine security notifications that these companies actually send, though scammers increasingly use AI to write professional-sounding phishing emails that lack the grammar errors once considered a red flag. To protect yourself, verify alerts come from official company addresses, avoid clicking suspicious links, and check your account directly through the company's official website rather than through email links.
wbay.com
· 2025-12-08
Americans receive approximately 50 billion nuisance and scam calls annually, with scammers responsible for roughly 30 billion of those calls and text messages. The article provides seven key ways to identify scam calls and texts, including checking the official organization's website, understanding what legitimate organizations will and won't do (such as the IRS never calling without sending a letter first), and recognizing common scam characteristics like pressure to act quickly and requests for personal information. While robocalls have declined somewhat since the TRACED Act gave regulators new enforcement tools, individuals remain primarily responsible for protecting themselves from these increasingly common scams.
rismedia.com
· 2025-12-08
A "pig butchering" cryptocurrency scam has targeted at least 40 real estate professionals, where fraudsters pose as wealthy cash buyers, build trust with agents, and gradually convince them to invest in fake cryptocurrency platforms that appear legitimate before disappearing with their money, often including victims' retirement accounts. The U.S. Secret Service warns that these scams, which originated in China around 2016, are likely to increase and recommends victims report incidents to the FBI's IC3.gov within 72 hours for the best chance of asset recovery.
theprint.in
· 2025-12-08
A 75-year-old man in New Delhi lost Rs 20 lakh (half his life savings) to a cybercrime scheme involving unauthorized bank transfers and fixed deposit withdrawals, forcing his family to postpone a wedding. The incident reflects a broader crisis: cybercrimes targeting elderly Indians increased 86% from 2020 to 2022, with criminals exploiting seniors' digital illiteracy through fraudulent calls, links, and "digital arrest" schemes. In response, police departments and NGOs across India—including Kolkata Police, Bengaluru Police, and HelpAge India—have launched awareness campaigns and digital literacy workshops to educate seniors on cybersecurity an
komando.com
· 2025-12-08
Elder fraud targeting seniors age 60+ is rapidly increasing, with nearly 72% of scams initiated using personal data scraped from the internet or purchased from data brokers, enabling criminals to conduct highly personalized attacks like AI-powered grandchild impersonation and spoofed bank calls. Texas seniors lost an average of $51,700 per complaint, while Arizona experienced the highest elder fraud rate per capita at 3.5 cases per 1,000 seniors. Protection strategies include freezing credit, using call-filtering apps, employing password managers, discussing scams with family, and utilizing data removal services to scrub personal information from people-search sites and data brokers.
patch.com
· 2025-12-08
A Fremont manufacturing business lost $180,000 in a vendor impersonation scam on May 28 when employees received a fraudulent email appearing to come from a legitimate vendor requesting updated bank account information. The scammers used spoofed email addresses to appear legitimate, and the business unknowingly transferred funds to the criminals' account. Police warn that fraudsters commonly spoof real phone numbers and email addresses to deceive businesses into sending payments to fraudulent accounts.
manxradio.com
· 2025-12-08
The Isle of Man Cyber Security Centre reported a surge in digital fraud from March to April, including over 700 suspicious emails, advance fee scams, phishing attempts, and impersonation schemes targeting residents and businesses through fake websites and social media accounts. Notable cases included a romance scam that escalated to sextortion (£1,500 + £4,000 demanded), deepfake videos impersonating politicians promoting cryptocurrency fraud, business invoice fraud costing £9,000, and marketplace scams resulting in losses ranging from £850 to £965. The Centre advised residents to verify financial claims through official sources and businesses to rely on their own websites rather than social media platforms where impersonation
cdotrends.com
· 2025-12-08
This Q2 phishing report details three major scam tactics exploiting human trust: fraudsters created deepfake images and false reports about Pope Francis on social media, directing victims to malicious websites that steal personal and financial data; device code hijacking tricks users into authenticating attacker access to accounts through seemingly legitimate service requests; and smishing attacks impersonate government agencies and financial institutions via text messages with official branding to harvest personal information. The report recommends confirming news and payment requests through official channels, avoiding sensationalized social media posts, using URL filtering, and keeping systems updated to prevent these attacks.
lufkindailynews.com
· 2025-12-08
The U.S. Marshals Service and FBI are warning of an imposter scam in which fraudsters claim to be law enforcement officials and threaten victims with arrest for alleged identity theft, jury duty violations, or false crimes, then demand payment via Bitcoin or other electronic transfers. Scammers use sophisticated tactics including spoofed government phone numbers, real law enforcement names and badge numbers, personal identifying information, and fake court documents to appear credible, often instructing victims to transfer 80% of their assets while staying on the phone. Texas residents have reported losses ranging from thousands to tens of thousands of dollars in these scams, and victims are urged to report incidents to their local FBI office and the Federal Trade
woay.com
· 2025-12-08
This article discusses three increasingly sophisticated scams enabled by AI and technology: "accidental text" phishing messages designed to validate phone numbers for future targeting, fraudulent QR codes placed in public locations to steal personal information, and SIM swapping where thieves redirect a victim's phone number to access their accounts. The article recommends avoiding responses to unsolicited texts, verifying QR code sources before scanning, and setting up PIN codes with phone providers to prevent unauthorized number transfers.
wtop.com
· 2025-12-08
U.S. adults experienced an 86% year-over-year surge in phone, email, and text scams, with 82% of Americans receiving at least one scam text weekly and over half receiving three or more per week. The most common text scams involve urgent money demands (toll fees, citations, overdue bills), and U.S. consumers reported $470 million in losses to text scams in the prior year. To reduce exposure, experts recommend avoiding sharing phone numbers online when possible, reporting scam texts as spam, blocking suspicious numbers immediately, and avoiding engagement with unknown messages, as responding confirms an active number to scammers.
wifr.com
· 2025-12-08
Americans lost $470 million to text scams in 2024, with fraudsters increasingly impersonating banks and credit unions using convincing messaging to trick victims. Experts recommend being skeptical of all unsolicited communications and instead calling your bank directly using the number on your physical card, checking online banking portals independently, or visiting your financial institution in person to verify any suspicious activity before responding to texts or emails.