Wells Fargo text scam: is that message real?
Editorially reviewed · Last updated June 16, 2026
Yes — this is a scam. Wells Fargo doesn't text you a link to "confirm your identity" or stop a transfer.
Other versions you might get: The same scam shows up as a text about a "suspicious sign-in," a debit card "temporarily locked," a charge you don't recognize asking you to reply YES or NO, or a fake fraud-department callback number to dial.
What to do right now
- Don't tap the link or reply. Don't text back — even "STOP" tells them the number is live.
- Verify the real way. Call the number on the back of your card, or open the Wells Fargo app yourself. If there's a real alert, it'll be there.
- If you already entered your login or card details: call Wells Fargo right away, change your password, turn on two-factor, and watch for transfers you didn't make.
- Report it. Forward the text to 7726 (SPAM), then file at reportfraud.ftc.gov.
- Delete the message.
How to make sure it never bites you
You got this because your number is on a list scammers buy and resell — it isn't a sign your account was actually breached. Get your number removed and put a layer between you and the next one — see how to stop spam texts for good.
Help protect someone else
Scams spread because people stay quiet about them. If this could have fooled you, it can fool someone you know — a parent, a friend, the family group chat. Passing it on is the easiest good thing you'll do today. It's safe to forward, and stands on its own as a record for a bank or the police.