Bank of America (BoA) is one of the top targets for scams involving smishing — scams that use SMS rather than email. Why? Since millions Americans depend on BoA and scammers are aware that they can only fool only a tiny portion of the population to make a profit. These scams are becoming increasingly frequent, more convincing and even more risky. Attackers combine fake messages, spoofed phone identities, fake web sites as well as live phone operators to fool victims into giving away everything from bank passwords and one-time passcodes (OTPs).
How the Scam Works
The most common way to get in is via a straightforward but arousing SMS, for instance:
“(Fraud) Alert”(Fraud) Alert”: You BofA ATM/Debit card is suspended. Call 1-877 -***-**** to confirm.”
“BofA Payment Accepted for $153.48 at PetSmart on 04/21. Did you get this? IF NO RING 1 -***-***-8834.”
At first glance they appear to be authentic. They are often spoofed number or sender IDs, such as “BankofAm” and use support-style words. They can even mimic BoA fraud alerts, making it difficult to tell the distinction. In a recent study we discovered:
59+ card suspension messages
More than 97 unique phone numbers linked to SMSing
254+ fake email addresses, mimicking BoA alerts
Domains like “b_o_f_a_support_line[at]comcast.net” are used to hide behind foreign infrastructure
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Red Flags to Watch For
Here are the most important warning signs to be aware that a phone message (or message) could be a scam:
Transfer requests Bank of America included — will never ask for money transfer into the “safe account” or via the phone on a call to.
Requests for confidential information Banks do not ask for PINs or passwords or social security numbers or one-time passcodes on text messages or calls.
Contact numbers and links that appear in emails or texts that are not solicited A link or number mentioned, particularly in messages that you didn’t create. Always verify through official channels.
Unsolicited calls: If you haven’t asked for help or received an alert, be wary of texts or calls that claim urgent action is required.
What Happens If You Call or Click
Callers generally get a fake phone number that sounds similar to BoA or a live crook pretending to be an employee of BoA. BoA fraudulent department. The actors will follow a polished script and solicit “standard verification”, such as:
The last four digits of your SSN
ZIP code
The username for online banking is
Full card number
If you’ve enabled two-factor authentication (2FA) The system will ask you to read the security code that was sent to your phone, effectively removing the security of your account. In more advanced cases, scammers ask users to download remote access programs on their computer or phone which allows them to access transactions online in real-time.
Make sure you are protected by using Trend Micro ScamCheck
With the growing quantity and the sophistication of scams, being one step ahead of the game is more important than ever. But antivirus software alone doesn’t suffice. The latest version of ScamCheck from Trend Micro! ScamCheck is now available on both Android as well as iOS, ScamCheck offers comprehensive security against deceitful scams and phishing scams, as well as spam messages deepfakes, fakes, and much more:
Scam Check: Quickly review the contents of emails, texts and screenshots, URLs, screenshots and phone numbers using our artificial intelligence-powered scam detection technology. Be safe and secure.
SMS Filtering and Call Blocking Stop receiving unwanted spam calls and scam messages and texts. Reduce daily interruptions and strengthen your protection against scams and phishing.
Deepfake Scan: Find fakes at a real time during videos calls, and alert you when someone uses AI face-swapping to alter their appearance.
Web Security: Surf the web in peace, safe from harmful websites and annoying advertisements.
Fake Links and Lookalike Domains
Certain messages go much farther, incorporating hyperlinks that direct users to replica Bank of America pages where they are required to “verify” or “review” an unreliable payment or check such as:
“Did you sign off on check #0000008124 to $39,182.00? View the image: “
The URLs are concealed, and when you login your credentials are passed directly to the fraudster. Then your account could be depleted before you know what has happened.
What the Scammers Want
These campaigns seek to extort:
Log-in information for online banking
Credit or debit card numbers
Personal information such as SSNs email addresses, SSNs, and telephone numbers
Security codes for OTPs and SMS-based security codes
After collecting the data they need After gathering their information, scammers disappear. They are typically shut down within a matter of hours. In the meantime, the stolen funds are funneled into accounts used by mule scammers or converted to cryptocurrency in order to make them difficult to track.
What makes these scams so hazardous is how closely they are reminiscent of real BoA fraud warnings. For instance, authentic BoA messages often state: “Bank of America will never ask you to transfer money to ANYONE, including yourself.” Scammers take the exact words — then, in turn, ask to dial a fake number or to approve the fraudulent transfer.
How to Protect Yourself
If you get a suspicious BoA text:
Don’t dial the number that appears within the email. Make use of the official number found on BoA’s website or mobile app.
Be cautious when clicking links unless you’re certain that they’re genuine.
Do not share 2FA codes with anyone as well as install software for remote access unless talking to an individual you have contacted via official channels.
Smishing attacks against Bank of America customers are part of a trend of mobile-based fraud. They blend realism, urgency and smart use of the phone’s infrastructure to fool even the most savvy of users.
They’re not just low-effort phishing texts anymore. They’re multi-channel fraud schemes that are coordinated. Being aware and knowing what to look out for is the most effective first option.
For download of Trend Micro ScamCheck or find out more information, click here.
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