Sample Tech Problem Prep Report

Customer concern

“I received a text saying my bank account will be locked.”

The text says there is a problem with the customer’s bank account and includes a link to “verify” their login. The customer is worried the account may be locked if they do not respond quickly.

Plain-language summary

What may be happening

This message has several signs of a possible scam. It creates urgency, asks the customer to use a link, and suggests account access may be lost. Real banks usually tell customers to log in through the official app or website, not through a random text link.

Warning signs

Things to watch for

! The message feels urgent or scary.

! It asks you to click a link.

! It threatens account closure or lockout.

! It asks for login, payment, or verification codes.

Safer next steps

What to do first

✓ Do not click the link in the text.

✓ Do not reply to the message.

✓ Open the bank app directly, if you already use it.

✓ Call the bank using the number on your bank card or official website.

✓ Take a screenshot before deleting anything.

✓ Change your password only by going directly to the official site or app.

Questions to ask

If calling the bank or support

“I received a text saying my account may be locked. I did not click the link. Can you check whether there is actually a problem with my account?”

“Can you confirm the best way to report this message and whether I need to take any security steps?”

Bottom line

Recommended action

Treat this text as suspicious unless the bank confirms it through official channels. Do not use the link in the message. Go directly to the official app, website, or phone number.

Pause first

If a message asks for money, passwords, remote access, banking details, gift cards, or verification codes, stop and verify before doing anything.

See what a Tech Problem Prep Report looks like