Do you know what to do with a fraudulent text message?

Mobile phone providers now have a number where you can forward fraudulent text messages, that is 7726. Their goal is to protect their clients by targeting the source.

All our members and clients are now covered by Desjardins Identity Protection.

Learn more about Desjardins Identity Protection

Phishing is a fraudulent ploy that scam artists use when they send mass emails or text messages that look like they're from a financial institution or legitimate company.

The emails and text messages are used by ill-intentioned people to steal your personal information or install malicious software on your computer, prompting you to click links or open attachments.

This kind of attack can cause serious damage: you could lose your data and the thieves could steal your personal information to commit further fraud.

Protect yourself by being vigilant and recognizing phishing attempts. A phishing email can take many forms but one common feature is that it's always unsolicited.

What to do if you receive a fraudulent email or text message?

What to do if you've clicked a link or opened an attachment in an email or text message?

Phishing FAQ

Simple things you can do to avoid getting scammed

Before clicking anything, check the information:

  1. Were you expecting the email or text message?
  2. Pay attention to the type of situation that would try to incite a reaction from you:
    • Urgency
      The goal is to try to get you to do something quickly, without thinking about it first by stressing some kind of urgency.
    • Profit
      The goal is to get you to believe you received some unsolicited benefit or financial gain. Scam artists use profit to try to get you to reveal personal information.
    • Problem
      The goal is to alert you to a problem in your account, prompting you to reveal personal information in order to solve the issue.
    Situations that try to get you to act without thinking
    urgency profit problem
    Request to update personal or banking information Purchase, refund or money transfer to your account Problem or update of an app or operating system (Windows, Mac OS, etc.), expired password, no room available on your hard drive
    Money owing in taxes You won a prize or a trip A parcel couldn't be delivered to you
    Solicited donations after a natural disaster or tragic event or any other request for money Big discounts Problem, suspension, fraudulent transactions or unauthorized charges linked with your Desjardins Access Card (debit card), credit card or in your AccèsD account
  3. Check that the sender's email address is familiar and legitimate, particularly the part after the @. Is it a personal or company address?
  4. Move your cursor over the link (but don't click) to check that the address is legitimate and belongs to the company that sent it (watch for similar addresses).
  5. Assess the email or text message's relevance and plausibility. Be aware! Ask yourself if you've really entered that contest. Are you expecting a parcel? Is the procedure normal? Is it too good to be true?
  6. Never provide confidential information that can be used to authenticate your identity by email or text message (e.g., social insurance number, credit card number, birthdate, password, etc.).
  7. Curb your curiosity and be wary of recognized logos and visual identities that are easily copied and can look like a real email, text message or website.

Be aware!

What to do if you receive a phishing email or text message

  1. Don't click any links, texts or images.
  2. Don't open any attachments or activate any document macros.
  3. Don't download or authorize any images.
  4. Don't reply to the sender. It only confirms that your email is valid.

If you receive a fraudulent email:

  1. Forward it to You will receive an automated reply.
  2. Delete the email.

If you receive a fraudulent text message:

  1. Forward it to You will receive an automated reply.
  2. Forward it to 7726. You will receive an automated reply.
  3. Delete the text message.

What to do if you've clicked a link or opened an attachment in an email or text message?

If you haven't provided any confidential information:

  • Change your password for the site immediately.
    • Just clicking the link in a fraudulent email or text message could infect your computer with a virus or malicious software that could give fraud artists access to all of your new passwords. Before changing your password, make sure your computer doesn't have any viruses or use a different computer.
  • Follow the same procedure for all of your confidential passwords.

If you have provided confidential information:

  • Contact the security team so they can investigate.
    • Montreal area: 514-397-8649
    • Elsewhere in Canada and the U.S.: 1-866-335-0338
    • Other countries: 514-397-4610 (collect)

We also recommend that you contact credit agencies such as Equifax (1-800-465-7166 or 514-493-2314) and TransUnion (1-877-713-3393 or 514-335-0374), so they can add a note to your file alerting credit grantors that you may have been the victim of fraudulent activity.

Test your web security knowledge and behaviour - External link. This link will open in a new window..

To learn more, see: