Payment request scams
Anyone who has your phone number can ask you for money. That's useful when it's a friend splitting a check, and it's the whole scam when it isn't. A request costs a scammer nothing to send, and the note attached to it is where they do their work.
A request on its own is harmless. Money only moves if you choose to pay.
What a scam request looks like
It arrives out of nowhere, from a name or number you don't recognize.
The note claims you owe something you don't remember agreeing to.
It looks like a bill or a fee, such as a delivery charge, an account fix, or a charge to "release" money someone owes you.
The name is close to someone you know but not quite right, or the name on the account doesn't match the name you saved.
It comes with pressure: pay now, pay before something bad happens, don't tell anyone.
It follows a phone call or text about a "problem with your account."
What to do
Don't pay. Nothing happens if you ignore a request. It expires by itself after 10 days.
Decline it if you want it out of your way. Declining charges you nothing.
Block the sender so they can't ask again. See How to block or unblock someone
Report it to us, so we can act on the account across the network. See How to report a scam or fraud
If you already paid
A paid request can't be reversed through Moov Money, the same as any completed payment. Act quickly: block the person, report it to us, and contact your bank or card issuer. See What to do if you think you've been scammed
Good to know
Moov Money will never send you a request for payment. We don't charge fees to send, request, or receive money, and no one at Moov will ever ask you to pay to unlock a payment. See Things Moov will never ask you to do
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