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: Unsolicited texts offering to reduce debt with "guaranteed results" or "special government programs". Legitimate "Text Loans"

: Links that do not match official government or banking websites (e.g., non-standard domains like ".top" or ".info").

: Messages claiming there is "suspicious activity" or "unpaid interest/fines" on an account to trick you into clicking a link.

These are short-term, high-interest loans similar to payday loans.

To report a suspicious text, you can forward it to or use the FTC Fraud Reporting Tool to help authorities track scammers.