How to spot a scam text, email, or call

4 minute read. Updated September 28, 2026.

Scammers send millions of texts, emails, and calls every day. Most look real. Here's how to catch them, and what to do if one already got you.

Five signs it's a scam

It's urgent. "Your account will be closed today." "Your package can't be delivered." "Your grandson is in jail." Real companies and real family give you time.
It asks you to click a link or call a number in the message. Real banks, the IRS, Social Security, and Medicare do not text you links.
It asks for money in a strange way. Gift cards, wire transfers, crypto, or a "courier" picking up cash. No real agency does this. Ever.
It asks for a code. If someone calls and asks you to read them a code that was just texted to you, hang up. That code is the key to your account.
The spelling or the sender looks a little off. "Amaz0n." An email from a Gmail address claiming to be your bank. A phone number you don't know saying "Hi, it's me."

Don't click. Don't call the number in the message.
If it claims to be your bank or a company you use, look up the phone number yourself (on your card, your bill, or their real website) and call that.
If it claims to be family, call them directly at the number you already have.
Not sure? Ask us. Forward the text or email to help@shibasupport.org, or send us the details. We'll tell you, no judgment. Checking first is the smart move.

You're not the first and you won't be the last. Move fast, and don't be embarrassed.

If you gave a password: change it right now, starting with your email. Then turn on two-step sign-in. We can help.
If you paid with a card: call the number on the back of the card and say "I think this was fraud." They handle this every day.
If you bought gift cards: call the gift card company right away. Sometimes the money can be frozen.
If you installed something or let someone "remote in" to your computer: turn off the Wi-Fi and ask us for help before using it again.
Report it at reportfraud.ftc.gov. It helps stop the next one.

Slow down. Every scam works by rushing you. If a message makes your heart race, that's the moment to stop, breathe, and ask someone you trust.