Never click links in the message. Call a number you look up yourself. AI is a second opinion, not proof.
Step 1: Stop. Don't click or reply
- Don't click links. Don't open attachments.
- Don't call a number in the message.
- Never send money, gift cards or codes.
New to this? Try the practice message first.
Step 2: Copy the words, not the links
- Copy the message text. Leave out links.
- Remove your name, account numbers and codes.
- Pasting? Delete the numbers first. Photo? Cover them with paper.
Step 3: Ask AI for a second opinion
Paste the prompt. Add the message after it. Then send.
Is this message likely a scam? List the warning signs in plain words. Do not open any links. Do not trust any phone number in it. Tell me how to check with the real company myself. The message:
Step 4: Check it yourself
- Even if AI says "safe," don't click. Check yourself.
- Call a number you look up yourself: your card, bill or the official website.
- Pressure, threats or gift cards? It's a scam.
Step 5: Report it, or get help
- Report it. It helps stop scammers.
- Gave out info? Go to IdentityTheft.gov.
- In danger? Call 911.
| Who | How |
|---|---|
| FTC | ReportFraud.ftc.gov |
| Scam text | Forward it to 7726 (SPAM) |
| FBI (online crime) | ic3.gov |
Checked: consumer.ftc.gov (How To Avoid a Scam; How To Recognize and Avoid Phishing Scams), reportfraud.ftc.gov, ic3.gov, Oct 16, 2026.
Practice message
PRACTICE - NOT REAL. Made up for this guide. Do not call the number. Do not visit the link.
==================== PRACTICE - NOT REAL ==================== Text message from: (555) 010-4477 MAPLE TRUST BANK ALERT: Your account is LOCKED due to suspicious activity. Confirm your identity within 2 HOURS or your account will be closed. Tap here: maple-trust-secure.example/login Or call our Fraud Desk now: (555) 010-4478. To avoid a $250 fee, pay with gift cards and text us the codes. ==================== PRACTICE - NOT REAL ====================
How did you do? A good AI answer:
- Says it is likely a scam.
- Names the pressure: "LOCKED," "2 HOURS," the $250 fee.
- Names gift cards as a scam sign.
- Says don't tap the link or call the number in the text.
- Says call the number on your bank card instead.