Unpaid Toll Text Scam: How Criminals Are Using Your Information
What You May Not Know About the Unpaid Toll Text Scam
You may have seen scam text messages about an “unpaid toll” or similar urgent issue. While these texts may seem familiar, the real threat they pose is often underestimated. Clicking the link doesn’t just risk a fake fee — it can silently install malware, steal your financial information, and give criminals direct access to your money.
These scams are part of an organized and highly coordinated effort by criminal groups to hijack personal data and exploit it through tap-to-pay and digital wallet fraud, making the theft even harder to detect.
How the Toll Text Scam Works
- You receive a text message claiming you owe an unpaid toll or fine, with a link to resolve the issue.
- Clicking the link installs hidden malware on your phone.
- The malware extracts your personal and financial information, including saved credit card details and online banking credentials — especially if multi-factor authentication (MFA) is not enabled.
- Fraudsters then upload your card details into tap-to-pay apps, allowing them to make purchases without your physical card.
- This method bypasses traditional card skimming, making fraud harder to detect.
Once the malware is installed, unauthorized charges can happen quickly and often across state lines, before you even realize your information has been stolen.
How to Protect Yourself from the Toll Text Scam
- Don’t click on suspicious links in text messages, emails, or unfamiliar websites.
- Enable multi-factor authentication (MFA) on all financial accounts.
- Monitor your accounts for any unauthorized or unusual activity.
- Keep your mobile device updated with the latest security patches and antivirus software.
- Contact us immediately if you suspect your information has been compromised.
While the texts themselves may not be new, the way fraudsters are exploiting stolen information is an important update everyone should know.
Remember, COPFCU is here to help. If you suspect you’ve been scammed or need assistance with a transaction, don’t hesitate to contact us. We’re committed to keeping your finances safe.
For more information on how to protect yourself from scams, please visit our fraud resources page.
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