I got an SMS like this many years ago from Capital One on the same basis, and it said to call a specific number if I had questions... I couldn't find that number <i>anywhere</i> online or on their site. It took forever to find their fraud hotline on the website, too. Different number to the one in the SMS, naturally.<p>Turned out to be legit, and they were calling about a transaction at a gas station that I had actually been to. But the fact that I had nothing to go on except a text message from an unknown number was super suspicious.<p>These banks need to realise that there is a difference between customers trusting their brand, and those same customers trusting some random message claiming to represent their brand.