The Suspicious Login Scam

You have a text saying someone signed in to your bank account from another city, with a link to secure it.

A text says someone just signed in to your bank account from a city you've never visited. Before you panic, here is how to tell a real suspicious login text from a fake.

Security Notice: We detected a sign-in to your account from Houston, TX. If this wasn't you, secure your account now: bank-login-security[.]com/verify

Why this is a scam

Nobody signed in anywhere. The scammer picked a random city, because almost any city will be one you're not in. The alarm is the product.

The "secure your account" link opens a copy of a bank login page. Typing your username and password there is the only breach that actually happens. Some versions then ask for the one-time code your real bank sends, which lets the scammer finish logging in as you.

Real login alerts live inside your banking app and your bank's own website. They don't route you through an unfamiliar address.

Red flags

  • The link isn't your bank's real web address.
  • The alert names a location but no device, or details that feel generic.
  • You're pushed to "secure" the account through the link, right now.
  • The same alert doesn't appear in your banking app's notifications.
  • After "logging in", you're asked for a texted code or card details.

How it works

Fear of intrusion. The idea of a stranger inside your account makes the link feel like a lifeline instead of a trap.

What to do

  • Don't tap the link.
  • Open your banking app yourself and check your login history or alerts.
  • If anything seems real, change your password from inside the app and call the number on the back of your card.
  • Never enter a one-time code on a page a text sent you to.
  • Forward the text to 7726 (SPAM), then delete it.

Scam

Red flag

High confidence of a scam. The content, the sender, the intent and where its requests lead all point the same way. Do not reply, click, call or pay.

What to do next

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

Likely to be a scam

Yellow flag

It asks you to act: a link, a number, a reply or a payment. Where that request leads is where the harm starts.

What to do next

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

Likely to be a scam

Grey flag

Nothing is asked of you yet. The content, the sender or the intent do not add up. Scams like this start friendly and ask later.

What to do next

Do not reply at all, not even to say wrong number. A reply tells them the number is live. Block the sender and delete the message. If a request follows, check it again.

Looks normal

Green flag

High confidence this is normal. The content reads as expected, the sender has a safe history, and anything it asks leads somewhere legitimate. Accounts can be taken over, so if a request seems out of character, check again.

What to do next

No action needed. If the sender later asks for money, codes or personal details, check that message too.

Your screenshot

Check another message

Paste a text, email or direct message

A text, an email or a chat message. Take out names and account numbers first.

Add a screenshot

Check it

No account needed.

What happens to your message

Checking the message now. Stay on this page.

Flggd could not check this message just now. Try again in a moment, or use the Flggd app.

Try again

Flggd could not read this image, so it has not been checked. This is not a verdict. Try a clearer screenshot, or paste the text instead.

Paste a message or add a screenshot first.

F

Flggd Verdict

Text Submission

Image Submission

Flggd Verdict

Scam

Red flag

High confidence of a scam. The content, the sender, the intent and where its requests lead all point the same way. Do not reply, click, call or pay.

Likely to be a scam

Yellow flag

It asks you to act: a link, a number, a reply or a payment. Where that request leads is where the harm starts.

Looks normal

Green flag

High confidence this is normal. The content reads as expected, the sender has a safe history, and anything it asks leads somewhere legitimate. Accounts can be taken over, so if a request seems out of character, check again.

Likely to be a scam

Grey flag

Nothing is asked of you yet. The content, the sender or the intent do not add up. Scams like this start friendly and ask later.

This result could not be shown. Check the message again. If it happens twice, use the Flggd app instead.

Score

Scam type

Confidence

Why Flggd says this

What this message wants you to do

Has anything happened yet?

You do not have to answer. Nothing you tap here is sent or recorded, and the verdict above stands either way.

Change answer

Nothing has happened yet

Good. Checking first is the safest thing to do. Do not tap any link, reply, or call any number in the message. Block the sender and delete the message. If it claims to be from an organisation you know, contact them using details you already trust.

Change answer

You tapped a link

Opening a link does not usually take money or details on its own. The harm comes from what you do on the page it opens. If you entered nothing and installed nothing, close the page and do not go back to it. If it asked you to sign in, enter a code, or install something, and you did, choose Gave details instead.

Change answer

You gave details

Work through this in order. First, if you gave bank or card details, call your bank now on the number on your card. Next, change the password for any account you entered, and for any other account that uses the same password. If you shared a one-time code, tell the organisation it belongs to straight away. Then turn on two-step verification where you can, and watch your statements for anything you do not recognise.

Change answer

You sent money

Call your bank now, on the number on your card or in your banking app. Say: "I have been scammed and I need to stop a payment." The sooner they hear from you, the more they may be able to stop or recover. In the UK you can call 159 to reach your bank. Do not pay anyone who offers to get the money back. That is another scam.

Report it. US: ReportFraud.ftc.gov, and ic3.gov for online crime. UK: reportfraud.police.uk or 0300 123 2040; in Scotland, Police Scotland on 101. Australia: scamwatch.gov.au. Have ready the message, the sender's number or address, and any payment details.

What to do next

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

Do not reply, click any link, call any number in the message or send money. If it claims to be from an organisation you know, contact them using details you already trust.

No action needed. If the sender later asks for money, codes or personal details, check that message too.

Do not reply at all, not even to say wrong number. A reply tells them the number is live. Block the sender and delete the message. If a request follows, check it again.

Your message

Text read from your image

Your image

The closest scam in the Flggd library. Similar, not necessarily the same message.

How this scam works

The closest match is the scam described on this page.

Share this result

Email it to myself

Copied. Paste it anywhere to share it.

Could not copy. Select the text and copy it, or use Email it to myself.

Checked with Flggd at flggd.com

My Flggd verdict

Check the next one on your phone

The Flggd app checks texts, emails and screenshots wherever you are, and teaches you the warning signs as you go. Free on iPhone and Android.

Get the app

Have this emailed to you

Send yourself this page so you can forward it, or read it later when you are not standing in a shop.

Email it to myself

Worried about someone else rather than yourself?

Helping someone else

Scams like this one

Closest to this one

Others of this type

The tactic behind it

Fear

Every example on this page is a real scam, recreated by Flggd
How we decide what is a scam