A new text message scam is targeting drivers across the United States, tricking them into paying fake unpaid toll fees. This fraud, known as “smishing,” uses deceptive links to steal credit card information and personal data. Federal authorities have received over 60,000 complaints about this scam in 2024 alone, showing how quickly it is spreading and the significant financial risk it poses to the public.
How this Widespread “Smishing” Scam Works
The scam starts with a simple text message. Fraudsters send messages claiming you have an overdue toll charge and must pay immediately to avoid extra fees. These messages look official and create a sense of urgency.
The text includes a link that directs you to a fake website designed to look exactly like a real toll agency’s payment portal. Once you enter your credit card number or bank details, the criminals steal your information. In some cases, clicking the link can also install malicious software on your phone. This software can give scammers access to your banking apps and other personal accounts, leading to identity theft.
The Federal Bureau of Investigation (FBI) and the Federal Trade Commission (FTC) have issued public warnings about this growing threat. The combination of a convincing message and a fake website makes this scam dangerously effective.
Why are so Many Drivers Falling for This Scam?
The rise of cashless tolling has made drivers more vulnerable. Many people are used to paying tolls electronically and receiving digital notifications, so a text message about an unpaid toll does not seem unusual. Scammers take advantage of this by making their messages and websites look very professional.
They often use logos and branding that mimic legitimate toll collection agencies. Because many people are busy, they may not take a moment to look closely at the message for warning signs. Victims often assume the text is real simply because they have recently driven on a toll road. This familiarity makes them lower their guard and click the link without thinking twice.
Spotting the Red Flags of a Fake Toll Message
It can be hard to tell a real message from a fake one, but there are always clues. Scammers often make small mistakes that can give them away. The most important thing is to be skeptical of any unexpected request for payment.
Real toll agencies usually send bills in the mail before sending text reminders. They also provide multiple ways to verify a charge. Here is a comparison to help you identify a scam message:
| Feature | Legitimate Toll Message | Scam Toll Message |
| Greeting | Often includes your name or account info. | Uses a generic greeting like “Dear Driver.” |
| Language | Professional with correct grammar. | May contain spelling or grammar errors. |
| Tone | Informational and direct. | Urgent and threatening, demanding immediate payment. |
| Link | Links to the official agency website. | Uses a slightly altered or unfamiliar link. |
What to Do if You Receive a Suspicious Toll Text
If you get a text message about an unpaid toll, the best thing you can do is stay calm and be cautious. Cybercrime investigator J. Michael Skiba warns that the true financial impact of these scams is “astronomical” because many victims never report the crime.
Experts recommend taking a few simple steps to protect yourself from becoming a victim of a toll payment scam.
- Do not click the link. This is the most important rule. Never click on links in unsolicited text messages, especially those demanding money.
- Verify the claim independently. If you think you might owe a toll, go directly to the official website of your local toll agency. Log in to your account there to check for any outstanding balances. Do not use the link from the text.
- Block and report the number. Report the fraudulent message to the FTC at ReportFraud.ftc.gov. You can also forward the message to 7726 (SPAM).
John Goodwin of the Metropolitan Transportation Commission says scammers are constantly changing their tactics, so drivers must remain vigilant. Your skepticism is your best defense against these evolving threats. By taking a moment to verify, you can protect your money and your identity.
