Key Takeaways
- A new Apple Pay scam involves fake urgent texts claiming a large charge has been made and another is pending
- The scam uses dramatic wording and tight deadlines to push victims into calling a provided number
- Experts warn not to call the number and instead to check accounts through trusted channels
The Apple Pay scam starts with a text claiming $8,250 has already been charged and another $8,250 transaction will auto-approve in 35 minutes. The message is designed to create panic and prompt the victim to call a provided 855 number.
The text uses the Apple Pay name several times and signs off as 'Apple Pay Account Services', making it seem official. However, the message came from a number beginning with +44, the international calling code for the United Kingdom, and the callback number is unrelated to Apple's official support.
Red Flags in the Scam
The message contains several red flags, including the use of dramatic wording, a tight deadline, and a generic signature. A legitimate financial alert would normally use clear terms and not describe an account as 'hemorrhaging' money.
The text also claims the victim's contactless spending limit has been 'crushed to $0', but then states that another contactless charge is pending. This contradiction shows the message was written to create panic rather than explain a real account problem.
Protecting Yourself from the Scam
To protect yourself from the Apple Pay scam, do not call the number in the text. Instead, check your account through trusted channels, such as Wallet or your bank's official app. You can also call the number printed on the back of your card.
Never rely on contact information supplied in an unexpected message, and be cautious of messages that create a sense of urgency. Legitimate financial alerts will not use dramatic wording or tight deadlines to prompt action.
Additional Tips
If you receive a suspicious text, take a screenshot and report it to Apple or your carrier. You can also forward the text to 7726, which spells SPAM.
Consider using antivirus software and data removal services to reduce the amount of personal information available online. Identity theft protection can also alert you to potential threats and help you secure your accounts.
Why This Matters
The Apple Pay scam highlights the importance of being vigilant when receiving urgent texts or calls claiming to be from financial institutions. By staying informed and taking simple steps to protect yourself, you can avoid falling victim to these types of scams and keep your personal and financial information safe.