{"success":true,"data":{"id":"telecom-billing-credit-phish","label":"Fake AT&T, Verizon, T-Mobile, or other telecom claiming a billing credit or overcharge refund requires bank account details for direct deposit — credential harvest and bank-drain fraud; real telecom credits are applied to the next bill.","description":"Fake AT&T, Verizon, T-Mobile, Comcast, or Spectrum billing department claiming a service credit, overcharge refund, or loyalty credit has been approved and requiring bank account details for direct deposit disbursement — credential harvest and bank-drain fraud. Real telecom credits are applied automatically to the customer's account or next bill; legitimate refunds are issued to the original payment method without requiring banking credentials via email. Detection: AT&T/Verizon/T-Mobile overcharge/billing credit approved + provide bank account/routing number for telecom credit direct deposit vocabulary + no List-Unsubscribe + no In-Reply-To + not protected sender. Trash score: +3. Source: GC1-R23; FCC telecom billing scam advisory; BBB AT&T/Verizon impersonation scam patterns 2025.","tier":"danger","category":"phishing","isThin":false}}