If it feels like scam attempts are getting more convincing, that’s because they are.
A new version of the fake toll and parking violation scam is circulating across the country, and it’s hard to solve if it’s fraud, or if it’s real.
These messages could be text or an image of a fake court or violation notice (often looking official using logos). The message claims you owe a small, urgent payment (usually $6.99 or another amount) and warns of legal consequences if you don’t act immediately. The end goal for fraudsters? Your full credit card details.
Why this scam is different (and more dangerous)
Last year, many people learned to pause before clicking links in unexpected text messages. Scammers noticed… and evolved.
By embedding malicious content inside an image and using a QR code instead of a link, fraudsters make it harder for people to evaluate whether the message is legitimate. QR codes feel routine now, which lowers our guard. But once scanned, they can lead to fake payment pages designed to take your sensitive information.
This scam has already been reported in at least nine states, and it’s likely to spread further as scammers test what works.
Quick check: Spot text scams fast
Urgent, threatening messages that push quick action are common in text message scams. Scammers often rely on emotional triggers—fear, curiosity, or urgency—to get you to click a link, call a number, or provide sensitive details. Learning how to spot these red flags helps you protect yourself and avoid sharing sensitive information. By staying alert, you can better safeguard your personal information against emerging mobile threats.
Here’s an important reminder:
- State agencies do not demand payment via text message
- Courts do not pursue legal action over a $6.99 balance (that’s why fraudsters only ask for that amount or less)
- Legitimate toll authorities and municipalities provide mailed notices and official payment portals, not QR codes sent via text
How to protect yourself from this and similar scams
Staying safe doesn’t require technical expertise, just a few smart habits:
- Don’t scan QR codes or click on links from unsolicited texts
- Report and delete the unsolicited texts
- Avoid responding to messages demanding urgent payment
- Verify by visiting official websites directly
- Never share your debit or credit card number, PIN, or online banking username or password
When in doubt, it’s better to pause and double-check than to react.
How Advia helps you stay one step ahead of fraud
At Advia Credit Union, protecting our members is a top priority. Scams evolve quickly, which is why we focus on education, prevention, and support. You’re never facing fraud alone. Visit Advia’s Security Hub.
Our Security Hub is your go-to resource for:
- Current scam alerts and fraud trends
- Tips for protecting your personal and financial information
- Guidance on what to do if you believe you’ve been targeted
Whether it’s text scams, phishing emails, or identity theft, the Security Hub is designed to help you recognize red flags and take action with confidence.
We’re here if something doesn’t feel right
If you receive a suspicious message or think your information may have been compromised:
- Contact Advia immediately at 844.238.4228
- Monitor your accounts for unusual activity
- Let us help you take the next steps to secure your finances
Early action can make a big difference, and our team is always ready to help.
Stay informed. Stay protected.
Scammers count on moments of distraction and urgency. By staying informed and using trusted resources like Advia’s Security Hub, you can protect yourself and your financial well-being.
If you ever have questions about a message, payment request, or potential scam, remember: you don’t have to figure it out alone. Advia is here to help.
About Advia Credit Union: Our mission is to provide financial advantages to its members. With $3.87 billion in assets, Advia seeks to provide quick and easy access to money and time-saving financial tools to nearly 200,000 members in Michigan, Wisconsin, and Illinois. Advia’s team of over 600 professionals delivers excellent service and innovative products at 34 locations and via digital and mobile platforms. Advia is guided by its core values: driving progress, acting with integrity, building and strengthening relationships, and keeping people at the core. Visit adviacu.org to learn more about how Advia provides Real Advantages for Real People™.
FAQs
Will the Department of Motor Vehicles (DMV) ever text you about a traffic ticket?
No, the DMV will never contact you via text message about a traffic ticket or toll violation. This pervasive phishing scam is designed to steal your personal financial information by preying on the stress and urgency that comes with these types of notices.
Can a scammer hack your phone through text?
Your phone's built-in security keeps you protected so long as you don't interact with the malicious text message by clicking any links or downloading any attachments. Do not reply to these messages, delete them. Replying to them signals that your number is active and makes you a prime target for more aggressive scams in the future.
Is it safe to scan a QR code or click on a link in a text?
You should only ever click on links or scan QR codes when you receive them from a known and trusted sender. And never input your credit card information, passwords, or other personal information on websites accessed via unsolicited text messages.
How do I know a toll authority is real online?
Legitimate government agencies will never send unprompted texts urgently demanding payment. Always visit the agency's website directly by typing the web address into your browser. Many official U.S. toll authorities and state departments of transportation use .gov domains.