Our top picks of timely offers from our partners

More details
Biz2Credit
Learn More
Terms Apply
Paid Placement
Get Prequalified up to $200,000 in business financing
Big Think Capital
Learn More
Terms Apply
Paid Placement
Small Business financing that moves as fast as you do
Monarch
Learn More
Terms Apply
Our top pick for being easy to use, Monarch's budgeting app is 50% off your first year of Core Plan with code CNBC50
Bluevine
Learn More
Terms Apply
Bluevine offers fast funding options for your small business
SBG Funding
Learn More
Terms Apply
Fast and flexible financing options for your small business
Select independently determines what we cover and recommend. We earn a commission from affiliate partners on many offers and links. This commission may impact how and where certain products appear on this site (including, for example, the order in which they appear). Read more about Select on CNBC, and click here to read our full advertiser disclosure.
Credit Monitoring

The 10 worst states for text scams

Scammers have zeroed in on these states with texts about toll charges, jobs, overdue taxes and more.

Share

Phone scams are a nationwide problem, but residents in some states are being targeted more often than others, according to a new survey.

Con artists have clearly put Ohio in their sights, according to the study, published by SMS marketing platform TextLa: In 2024, residents of the Buckeye State filed 102,114 complaints about scam calls and texts to the Federal Trade Commission and Federal Communications Commission.

That's equal to about 859 complaints per 100,000 residents, the highest ratio of any state. The ranking is based on a review of more than two million reports filed with the FCC and FTC last year.

Protect yourself from identity theft

The 10 worst states for scam calls and texts

Textla

9. Colorado

719 complaints per 100,000 people
Common scams: Taxes, debt relief

8. New Hampshire

721 complaints per 100,000 people
Common scams: Medicare

7. California

749 complaints per 100,000 people
Common scams: Credit card debt relief, Social Security, job offers

6. North Carolina

750 complaints per 100,000 people
Common scams: IRS, unpaid tolls

5/5. (TIED) Virginia and Nebraska

764 complaints per 100,000 people
Common scams: Debt collection, taxes, utility companies 

4. Arizona

781 complaints per 100,000 people
Common scams: Medicare 

3. Delaware

850 complaints per 100,000 people
Common scams: Banks, government agencies

2. Illinois

831 complaints per 100,000 people
Common scams: jobs, investments 

1. Ohio

859 complaints per 100,000 people
Common scams: Tolls, IRS, health insurance
 
According to the study, these states may be getting singled out because they have large population centers, favorable regulations or a high number of seniors and other desirable demographics. 

The authors did admit the data could also be a result of residents in those states being more proactive in reporting spam to government agencies. 

Unsurprisingly, the state least bothered by phone scams is Alaska, with just 277 reports per 100,000 residents.

Take action to protect your identity

Offers in this section are from affiliate partners and selected based on a combination of engagement, product relevance, compensation, and consistent availability.

Anyone can fall prey to a scammer, but screening your texts and avoiding clicking on links or sharing personal information is the first line of defense. You can also subscribe to an identity theft protection service that scans the dark web for signs of your information being misused.

Top options like Aura and IdentityForce® include credit monitoring and identity theft insurance, which can pay out up to $1 million to help you recoup legal fees, lost wages and other expenses.

Aura

On Aura's site
  • Cost

    Kids: $13 per month or $10 per month billed annually; Individual: $15 per month or $12 per month billed annually; Couple: $29 per month or $22 per month billed annually; Family: $50 per month or $32 per month billed annually

  • Standout features

    Protects against identity theft, fraud, spam calls and websites, viruses and malware. Offers three credit bureau monitoring, VPN, dark web monitoring, password manager, email aliases and instant credit lock.

  • Identity theft insurance

    All plans include at least $1 million and white-glove fraud remediation

Terms apply.

IdentityForce®

On IdentityForce®'s site.
  • Cost

    UltraSecure Individual: $19.90 per month or $199.90 per year; UltraSecure+Credit Individual: $34.90 per month or $349.90 per year; UltraSecure Family: $24.90 per month or $249.90 per year; UltraSecure+Credit Family: $39.90 per month or $399.90 per year

  • Credit bureaus monitored

    3-bureau credit monitoring, alerts and reports: Experian, Equifax and TransUnion®, with UltraSecure+Credit Individual and UltraSecure+Credit Family plans only

  • Credit scoring model used

    VantageScore® 3.0, with UltraSecure+Credit Individual and UltraSecure+Credit Family plans only

  • Dark web scan

    Yes, with all plans

  • Identity theft insurance

    Yes, at least $1 million with all plans

Terms apply.

Call-blocking apps like Truecaller, Hiya and Nomorobo can provide additional protection, as can signing up for the National Do Not Call Registry.

Be sure to report any fraud attempts to the FCC and FTC: The more complaints that are registered, the more resources will be directed toward the problem.

5 signs of a scam text

Any unsolicited message could come from a fraudster. But if you think you might really have unpaid parking tickets or that UPS is indeed trying to re-deliver a package, there are some telltale signs:

1. Requests for personal data: If someone asks for your Social Security number, birth date or other personal details, it's a strong sign of a scam.

2. Sense of urgency: If the message underscores how little time there is to respond, that should be a major red flag. 

3. Misspellings or unusual language: A scammer may not pay attention to details or try to breach filters with intentional misspellings.

4. Posing as a government official: The easiest way to get someone to respond is to claim to be from the IRS, FBI or another federal or state agency. But government officials would never call or text you for personal information or money.

5. Suspicious links: Avoid clicking on a link in a text message, especially if it's a company or individual you haven't done business with before. If the message is legitimate, you should be able to go to the site and log in to find out information.

If your bank has put your debit card on hold, for example, that will pop up on your account page.


Identity theft protection services monitor databases for signs of your personally identifiable information, such as your Social Security number, driver's license and bank account numbers.

You'll receive an alert if your PII appears on social media, court records, requests for new utility service, loan applications, check-cashing requests, the dark web and more.

Text scam FAQs

To report a scam text message, forward the message to 7726 (SPAM). This will help your wireless provider identify and block similar messages. You should also report it to the FTC. 

Identity theft protection services scan databases for your personally identifiable information, such as your Social Security number, driver’s license and bank account numbers.

Just opening or looking at a message won't compromise your device or data. If you click on a provided link or text back information, you are at risk of malware infection or identity theft.

Started in 2003, the National Do Not Call Registry is a government database of phone numbers from individuals and families who have requested not to be contacted by telemarketers. Being on the registry won't make you immune to scams, but it can help limit how widely circulated your number is.

According to the FTC, there were 254 million active registrations on the National Do Not Call (DNC) Registry in September 2024.

Subscribe to the CNBC Select Newsletter!

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here.

​Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every identity theft article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of cybersecurity and identity theft. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.


Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

The 10 Worst States for Text Scams

Table Of Contentsarrow down
Biz2Credit
Learn More
Terms Apply
Paid Placement
Up to $2 million in financing for US Small Business Owners
Empower
Learn More
Terms Apply
Get free tools and guidance to see how your investments are doing.