Truist Alert Scam | How to Spot

The “Truist alert scam” is a common type of phishing or smishing (SMS/text message phishing) fraud where scammers impersonate Truist Bank to steal your account credentials and personal information.

These scams typically rely on creating a sense of urgency and fear to make you act quickly without thinking.

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1. Common Scenarios (The Scam Alert)

The fraudulent message will often contain an urgent-sounding “alert” designed to get you to click a link or reply with information:

• Suspicious Activity/Fraud Alert:

  • “Truist Alert: We noticed a suspicious transaction of $500.00 on your account. Reply YES to verify or NO to dispute.”

• Account Lock/Hold:

  • “URGENT: Your Truist account has been temporarily put on hold/locked due to a verification issue. Click this link to log in and lift the hold.”

• Disputed Transaction:

  • “A reversed payment has been credited to your account. Sign In to view details.”

• Security Update:

  • “Truist requires you to update your security information. Click here immediately.”

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2. The Scam’s Goal

When you click the link, it takes you to a fake Truist login page (a lookalike website). The scammers capture any information you enter, including your:

• User ID and Password

• Social Security Number (SSN)

• PINs

• Credit or Debit Card Numbers

Once they have your credentials, they can drain your account or commit identity theft.

Also Read : Gemini Verification Code Text Scam | SMS Phishing

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3. How to Spot a Truist Alert Scam

Remember this key rule from Truist Bank:

Truist will NEVER email, text, or call to ask you to provide, update, or verify your personal or account information, such as passwords, SSNs, PINs, or credit/debit card numbers.

Red Flag	Scam Characteristic	Genuine Action to Take
Sense of Urgency	The message uses words like “URGENT,” “ALERT,” or “IMMEDIATE ACTION REQUIRED.”	STOP. Take a breath. Legitimate bank communications allow time to verify.
Unexpected Link	The message asks you to click a link to log in, verify, or dispute a charge.	DO NOT click the link. Banks want you to log in through their official app or website.
Requests Confidential Info	The message/link asks you to enter your password, PIN, or SSN.	NEVER give this information in response to an unsolicited text or email.
Bad Sender/Spelling	The sender’s email address or the message itself contains misspellings, poor grammar, or an unusual domain name.	Examine the sender and delete the message immediately.
Caller ID Spoofing	A scammer calls and the caller ID displays the correct Truist number.	Hang up. Call the bank back on the verified number from the back of your card.

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What to do if you receive a suspicious alert

1. Do NOT Reply or Click:

   • Do not reply to the text or email, and do not click on any links or download any attachments.

2. Contact Truist Directly:

   • If you are genuinely concerned, call the bank using a trusted number (the number on the back of your card or the official number from their website):
     • Truist Fraud Hotline (24/7): 844-4TRUIST (844-487-8478), select option 1 to report fraud.

3. Report the Scam:

   • Forward the suspicious email/text to Truist: EmailAbuse@Truist.com
   • Report the text message (smishing) to your carrier: Forward the text to the number 7726 (SPAM).

4. If you clicked the link or provided information:

   • Call the Truist fraud hotline (844-4TRUIST) immediately to secure your account, change your passwords, and dispute any fraudulent charges.