3 Common Text Scams Targeting Your Wallet

Text message scams are on the rise, and the examples below show how convincing they can look.

The AARP Fraud Watch Network consistently warns consumers: “Scammers create a false sense of urgency to get you to act before you think.” Here are three common text scams and how to recognize them.

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1. DMV or Government “Final Notice” Scam

This message claims to be from the Tennessee Department of Motor Vehicles, threatening penalties for an unpaid traffic ticket.

It lists severe consequences—license suspension, extra fees, even credit damage—and urges immediate payment through a suspicious link.

This is a classic impersonation scam. According to AARP, government agencies generally do not contact people by text demanding payment or threatening immediate action. The urgent tone and unfamiliar web address are red flags.

2. IRS Refund or Tax Problem Scam

Another message appears to come from the IRS, stating that a tax refund was rejected and asking the recipient to click a link to “verify” information.

The AARP Fraud Watch Network emphasizes that the IRS does not initiate contact via text messages, especially with clickable links. Scammers rely on fear of penalties and confusion around taxes to trick people into giving up their information.

3. Package Delivery “Urgent Notice” Scam

The UPS-impersonation message warns of a delivery issue and includes a file attachment. It pushes the recipient to act quickly to avoid having a package returned.

This type of scam often hides malware in attachments or directs victims to fake tracking websites. AARP advises: “Don’t click links or download attachments from unexpected messages—especially when urgency is involved.”

Stay Safe

Slow down, verify independently, and never click suspicious links. When in doubt, contact the organization directly using official websites or phone numbers.

The AARP Fraud Watch Network reminds us: Think before you act—because scammers are counting on you not to.

Anyone can fall victim to a scam—regardless of age. That’s why the AARP Fraud Watch Network offers free, confidential support to help you spot and recover from fraud. You don’t need to be an AARP member to use it.

1. Call the AARP Fraud Helpline at 877-908-3360 (Monday–Friday, 8 a.m. – 8 p.m. ET) Talk to trained fraud specialists who can walk you through next steps
2. Visit www.aarp.org/fraud for tips and free resources for protecting yourself against scams.
3. Sign up for scam alerts tailored to your area