Apple Pay text scam threatens $8,250 loss in 35 minutes

How it works

You receive a text message from an international number claiming Apple Pay charged your account thousands of dollars and warning that another charge will go through in 35 minutes. The message includes a fake case ID to seem official. The scammers want you to call the toll-free number in the text, where they can trick you into giving payment details or access to your accounts.

Red flags to watch for

• Text comes from an international number (e.g., +44) but claims to be from Apple Pay
• Message creates false urgency: duplicate charge happening in minutes
• Directs you to call a number instead of visiting Apple's official website
• Uses official-sounding language and case IDs to appear legitimate
• The dollar amount and threat are designed to panic you into action

What to do

Do not call the number in the text. Instead, open Apple Pay on your phone or visit apple.com directly using a web browser to check your account. If you see suspicious activity, contact Apple through the official app or website. You can report the scam text to your carrier by forwarding it to 7726 (SPAM) and to the FTC at reportfraud.ftc.gov.