Spot a fake text message (and use AI to check it)
Scam texts look clean and official now. Scammers use AI to write them, so the spelling is perfect and typos are no longer a clue. What helps is slowing down before you tap anything. You can also ask an AI helper like ChatGPT or Gemini for a second opinion first.
What you need
- Your phone with the text message on it
- An AI app you already trust, like ChatGPT or Gemini (optional)
- About 10 minutes
Step by step
Stop. Do not tap anything yet
Do not tap a link, scan a picture code (a QR code), or reply. Not even with STOP or YES. A reply tells the scammer your number is real.
Look for the warning signs
Be careful if the text says you owe money or a package is stuck. The same goes for a refund that is waiting, points that are about to expire, or a threat of a fine or court. The biggest clue is a text that tries to hurry you. Real tax offices do not text you about refunds.
Copy the words, not the link
Press and hold on the message and tap Copy. You are only copying the words. Do not open the link.
Ask AI for a second opinion
Open ChatGPT or Gemini. Type: "Does this text look like a scam? Explain the warning signs in simple words." Then paste the message and send it. Remove your name or account numbers first.
Check it yourself, the safe way
AI can be wrong, so do not stop there. If you think the message might be real, go to the company's app or type its website yourself, or call the number on your bill or card. Never use the number or link in the text.
Report it and delete it
Forward the text to 7726 (it spells SPAM). Your phone may also offer a Report Junk option under the message. Then delete it. You can also tell the FTC at ReportFraud.ftc.gov.
Good to know
- Never share a code that was texted to you. No real company will ask for it.
- Never pay a toll, fine, or fee from a link in a text.
- Never give your Social Security, bank, or card number by text.
- If you already tapped or paid, call your bank on the number on your card right away. It is not your fault.