Bank of America Spam Text Guide

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Free Your Inbox From Bank of America Spam Text Message!

Phishing is a well-known method among scammers for tricking people into disclosing private info over email, but Bank of America (BoA) patrons have been targeted by a different kind of phishing scams.

Fake text messages have been flooding the phones of Bank of America customers for a while. The texts are short but packed with urgency, claiming that the recipient's bank account has been deleted, deactivated, or compromised.

Do You Know What Smishing Is?

SMSishing, or Smishing, is the process of using automated texts (robotexts) to persuade people into disclosing private info.

Behind these scams are massive-outreach technology and auto-dialer software, enabling criminals to reach an alarming number of people.

Scammers love using spam text messages because people are more likely to trust a text than an email or a robocall. The method also gives them more choices to lure people into disclosing their info.

How Does the Bank of America Text Spam Work?

According to the Federal Trade Commission's guide to recognizing scam texts, scammers often include links in their texts which will take you to a fake website prompting you to log in.

Links could also include malware that will roam your phone in a search of private data.

If there is no link, they will ask you to confirm your identity by sending them certain details like your Social Security number or bank account credentials.

The language within the texts varies, but criminals behind the Bank of America text scam often use these methods:

  • Sending you a fake invoice
  • Informing you about an unknown debt
  • Informing you about supposed suspicious activity on your account
  • Claiming that your account has been compromised and will be deactivated or deleted

If you fall for this, your info can be used for further scamming operations or identity theft.

Are There Laws Against Spam Texts?

The CAN-SPAM Act, designed by the Federal Trade Commission (FTC), apart from regulating spam mail also focuses on the spam texts.

The CAN-SPAM Act Text rules prohibit sending unsolicited texts to a cell phone using Internet-to-phone SMS technology, which is how most of the robotext operations work.

This doesn’t mean that all robotexts are illegal.

Some robotexts are allowed by the FTC and here is an overview of both types.


  • Political messages
  • Informational messages
  • Messages from charities
  • Debt-collection messages
  • Messages from health-care providers
  • Reminders from companies you subscribed to or are a member of
  • Commercial robotexts
  • Texts from spoofed numbers
  • Texts asking for your private info
  • Any other robotext sent without your consent

How To Recognize Spam Text Messages From Bank of America?

If you have an account with Bank of America, you can expect to get texts from them. How do you know if they are legitimate or fake?

Use these questions as a checklist to distinguish spam texts from the real ones:

  1. Would a legitimate company ask for your SSN or bank account number? Bank of America does not ask its customers for any private info via text. This would not happen over email either
  2. Is there a sense of urgency? If you notice words or phrases like Immediately, Right now, As soon as possible, the text is probably spam. Your bank will not attempt to solve an urgent matter over a text
  3. Are there typos? Spam messages are often not well written
  4. Is there a lack of personalization? You may not be hyped about your bank starting their text with your name, but that is a way to confirm their legitimacy. Scam texts are often sent to a lot of random people and will not be personalized

Common Methods To Deal With Bank of America Spam Texts

There are several ways to get rid of the Bank of America spam.

Some of the methods you can try are:

  1. Preventing
  2. Blocking
  3. Reporting
  4. Getting revenge with DoNotPay

Preventing Bank of America Spam Texts

Methods to prevent or at least minimize future spam messages from Bank of America are:

  • Don't respond—If you do, it will serve as a confirmation to spammers that the number is active and you will get even more texts
  • Filter out and block any suspicious number on your phone—DoNotPay app can help you stop spam texts on iPhone or block spam messages on Android
  • Don't click on links—They could deliver malware or lead to spoofed webpages

How To Report Spam Text to Bank of America

You can report any fraudulent BoA text directly to the bank. Reach out to the bank through their Contact page, or copy the message and send it to Make sure to include the phone number of the sender.

Another option is to check what tools your phone and carrier offer for reporting spam texts.

You can also copy the message and forward it to 7726 or report it to the Federal Trade Commission at their complaint center.

Block a Spam Text Message From Bank of America With a Third-Party App

Here are some of the robotext blocking apps that you can try:





$1.99 a month or $19.99 a yearThe app blocks potential spam text messages, displays their source, and places them in the junk folder without bothering you with notifications.

The sender's number is added to the Nomorobo database

RoboKiller $3.99 a month or $29.99 a year

The app inspects each message individually by analyzing the phone number, content, and attachments to determine if the text is spam


$2.99 per month or $14.99 for six months

The app filters out spam texts and places them in a separate folder

Get Revenge on Bank of America Text Spammers With DoNotPay

DoNotPay will help you get your money back from text spammers.

Wait for that BoA text to arrive and then follow these steps:

  1. Open DoNotPay in your
  2. Tap Robo Revenge
  3. Use the app to generate a fake virtual credit card
  4. Give the scammers your free virtual credit card details

When Scammers try to collect the payment, they will fail and DoNotPay will get their info. With your new data, you can send demand letters to the scammers and receive compensation.

Other Common Text Scams DoNotPay Can Help You With

Bank of America spam texts are not the only ones you could encounter. Pay attention to these robotexts:

If you encounter any of these, use the Robo Revenge feature to block them and take them to court.

DoNotPay Can Do More Than Keep the Text Spam Away

DoNotPay is a virtual assistant app that can help you in many ways.

If you are a Bank of America patron, we can help make your life easier by freeing you of Bank of America spam emails, getting you a refund for BoA overdraft fees, initiating a Bank of America chargeback, or canceling services like Bank of America privacy assist.

Open DoNotPay in your to browse other useful tools.

We can help you with:

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