Never reply to a message containing a link be it a text, email, phone call . Go directly to their website or call the company at their listed number. That will beat the scammers 95% of the time. The other 5%? Someone spoofed my banks phone number and had some of my information which they gave to me. Thought they were legit for a few moments until they started asking questions that were needed to access my account. I figure they must have swiped a bank statement from the mailbox or something. Told em I would call them back and sure enough- scam to access my account.
