Scam teardown
Is that Social Security text real?
By Lajhem Cambridge · Founder, Lorna · Published Nov 1, 2026
Quick answer
Social Security does send some texts, including ones you opted into and account security codes. But it never asks you to share personal information by text.
A text that says it's from Social Security can still be from a scammer. Check what it asks you to do.
Personal information. A threat. A demand for payment.
These are three warning signs to look for.
- 1
It asks for personal information. Social Security won't ask you to share personal information by text. Don't send your Social Security number or account details.
- 2
It threatens you. A message may say your number or benefits are in trouble. Social Security won't threaten arrest or legal action unless you pay immediately.
- 3
It demands a special kind of payment. Gift cards, cryptocurrency, wire transfers, cash and prepaid debit cards are warning signs. Don't pay through a text message.
Your calm next step
Don't reply or tap the link. Don't call a number in the text. To check a concern, type ssa.gov into your browser yourself and use its contact information.
Report a Social Security scam at oig.ssa.gov. You can also forward an unwanted text to 7726 (SPAM).
Not sure?
Text Lorna a screenshot before you reply. Lorna will help you check if it's real.
Sources: Social Security scam guidance · FTC: unwanted texts
Source: Social Security: text messages
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