apple pay text scam . anyone else?

we just got apple pay text scam yesterday. from a hotmail. typical one - the dear customer, some fake number and transactions denied blah blah . screen shots report sent to reportphishing.. then reported spam in text & deleted. it has started again. i guess it would be more frightening if they called you out by your name. heads up!

iPhone 16

Posted on Feb 6, 2026 8:11 AM

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Posted on Feb 6, 2026 8:51 AM

Thanks for the report. I’m sure other members will be receiving them soon, so I post some links for them to follow.


That’s a phishing attempt from scammers and it’s literally been reported 100’s of times if not 1000’s. 


Apple would never contact you. Your bank (issuer of card) would contract you. Banks do the exact opposite of the message you received. If they suspect fraud the transaction is stopped immediately. You have to call to verify the transaction, not call to stop the transaction. 


“Don't answer suspicious phone calls or messages claiming to be from Apple. Instead, contact Apple directly through our official support channels.”


”To report a suspicious SMS text message that looks like it's supposed to be from Apple, take a screenshot of the message and email the screenshot to reportphishing@apple.com.”


You can report phishing at these links and most importantly your local law enforcement.


Identify legitimate emails from the App Store or iTunes Store.

FTC Complaint Assistant

FBI’s Internet Crime Complaint Center


Learn about how not to be a victim of Social Engineering.


Recognize and avoid social engineering schemes including phishing messages, phony support calls, and other scams - Apple Support

12 replies
Question marked as Top-ranking reply

Feb 6, 2026 8:51 AM in response to Flustered1

Thanks for the report. I’m sure other members will be receiving them soon, so I post some links for them to follow.


That’s a phishing attempt from scammers and it’s literally been reported 100’s of times if not 1000’s. 


Apple would never contact you. Your bank (issuer of card) would contract you. Banks do the exact opposite of the message you received. If they suspect fraud the transaction is stopped immediately. You have to call to verify the transaction, not call to stop the transaction. 


“Don't answer suspicious phone calls or messages claiming to be from Apple. Instead, contact Apple directly through our official support channels.”


”To report a suspicious SMS text message that looks like it's supposed to be from Apple, take a screenshot of the message and email the screenshot to reportphishing@apple.com.”


You can report phishing at these links and most importantly your local law enforcement.


Identify legitimate emails from the App Store or iTunes Store.

FTC Complaint Assistant

FBI’s Internet Crime Complaint Center


Learn about how not to be a victim of Social Engineering.


Recognize and avoid social engineering schemes including phishing messages, phony support calls, and other scams - Apple Support

Feb 9, 2026 1:49 PM in response to Lawrence Finch

Lawrence Finch wrote:

And the most profitable, bringing in $billions. It is estimated that the income is half the GNP of Myanmar. Wired just did a very long article interviewing a whistleblower at a romance scam “factory” in Laos (there’s also one in Myanmar) that employs thousands of essentially slaves tricked with good job offers, then kidnapped. They send texts that look like they were to the wrong person, if you respond they will start a conversation with you, leading to offers of sex or money (or both). They can clearly send many thousands a day, and eventually someone will fall for it. This type of scam is called “pig butchering”.

I used to try to be a nice person and respond when I'd get things like, "Hi Mom! Happy Birthday!" to tell them they'd sent the message to the wrong person. No more.

Feb 6, 2026 10:24 AM in response to Flustered1

I don't get quite as many as Jeff, but I get several a week. Some of them are Apple Pay, some purport to be Bank of America (I don't have any accounts with them). Also, the "your storage is full, so you need to pay more money or you lose all your stuff." The romance scam texts are far and away the creepiest, though.


Welcome to life in the 21st Century.

Feb 6, 2026 11:57 AM in response to IdrisSeabright

IdrisSeabright wrote:
The romance scam texts are far and away the creepiest, though.


And the most profitable, bringing in $billions. It is estimated that the income is half the GNP of Myanmar. Wired just did a very long article interviewing a whistleblower at a romance scam “factory” in Laos (there’s also one in Myanmar) that employs thousands of essentially slaves tricked with good job offers, then kidnapped. They send texts that look like they were to the wrong person, if you respond they will start a conversation with you, leading to offers of sex or money (or both). They can clearly send many thousands a day, and eventually someone will fall for it. This type of scam is called “pig butchering”.

Feb 9, 2026 2:24 PM in response to IdrisSeabright

I have learned to check numbers against emails and data breaches and they are far and few in between. once i find them on secondary flip phones they are usually quiet unless we get in a data breach with them. then have to change out again until we find another one. been pretty quiet as of late . no emails no internet just text and talk on those. burners.

Feb 6, 2026 9:12 AM in response to Jeff Donald

That be great to go to local law enforcement however local said last year not doing any reports unless money has been taken😳

anywho thanks for posting links 😁

i hate email text bombs haven't had any of those since beginning of last year.


had one call evade comms scam shield and apples who are you and why are you calling. just rang right through Christmas day between 7:30 pm and 8:30 pm. only one so far.

Feb 10, 2026 6:52 AM in response to Flustered1

Flustered1 wrote:

well aware of phone and laptop farms and every other way they can get them. with a folder of data breaches and data removal here, i have a self customized process and keep a low profile at moment.
on my devices , been very quiet and just the way i like it at moment.

I'm glad you found something that seems to work for you.


Best of luck.

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apple pay text scam . anyone else?

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