The message regarding a loan from “CNFI USA” is highly likely a phishing attempt or a scam. Unsolicited text messages offering personal loans, especially large amounts, are a major red flag for fraudulent activity.
Key Reasons to Be Suspicious
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Unsolicited Contact:
- Legitimate lenders rarely initiate contact about a loan via a random text message, especially if you have not recently applied for one.
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Reported Scams:
- “CNFI USA” and the associated phone numbers have been widely reported to the Better Business Bureau (BBB) Scam Tracker by multiple consumers receiving unsolicited loan texts.
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Pressure Tactics:
- Scam texts often include language like “following up on your loan request” or “let me know if you no longer need the money,” to create a false sense of urgency and legitimacy.
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Generic Name/No Official Link:
- The text usually comes from an unknown phone number and refers to an entity that lacks a clear, verifiable official website or banking affiliation.
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What You Should Do
DO NOT reply to the text message, click any links, or call the number provided.
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Delete the Text:
- Delete the text message immediately to avoid accidentally engaging with the scammer.
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Block the Number:
- Block the phone number the text came from on your mobile device.
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Monitor Your Finances:
- Log into your bank accounts, credit card accounts, and check your credit report to ensure no unauthorized activity has taken place.
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Report the Scam (Optional):
- You can report the text message to the relevant authorities to help track and prevent these scams:
- Forward the text to the short code 7726 (SPAM). This reports it to your mobile carrier.
- Report it to the FTC (Federal Trade Commission) at ReportFraud.ftc.gov.
- You can report the text message to the relevant authorities to help track and prevent these scams:
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