The E-ZPass Toll Scam: What It Is, How It Works, and How to Protect Yourself

In recent years, a pervasive and sophisticated scam has been targeting drivers across the United States: the E-ZPass toll scam. This fraudulent scheme, often delivered through text messages or emails, preys on the trust that millions of drivers place in electronic toll collection systems like E-ZPass. With the rise of cashless tolling and digital payment systems, scammers have found a new avenue to exploit unsuspecting individuals, stealing money and personal information under the guise of unpaid tolls. As of March 23, 2025, this scam continues to evolve, affecting countless people and prompting warnings from federal agencies, state authorities, and cybersecurity experts. This article will dive deep into what the E-ZPass toll scam is, how it operates, why it’s so widespread, and most importantly, how you can safeguard yourself from falling victim.

What Is the E-ZPass Toll Scam?

The E-ZPass toll scam is a type of cybercrime known as "smishing" (a blend of SMS and phishing), where scammers send fraudulent text messages or emails claiming that the recipient owes money for unpaid tolls. E-ZPass, a widely used electronic toll collection system in 19 states, primarily in the Northeast and Midwest, allows drivers to pay tolls automatically without stopping at toll booths. Scammers exploit the familiarity of this system by impersonating toll agencies, demanding immediate payment for alleged outstanding balances, and directing victims to fake websites designed to harvest personal and financial information.

Typically, the scam begins with an unsolicited message that appears urgent and official. For example, a text might read: "E-ZPass Final Reminder: You have an outstanding toll balance of $8.95. Pay by March 25, 2025, to avoid penalties or legal action. Visit [fake URL] to settle now." The message often includes a link that, when clicked, leads to a counterfeit payment portal mimicking the legitimate E-ZPass website. Once a victim enters their credit card details or other sensitive information, scammers can steal money directly, install malware on the victim’s device, or use the data for identity theft.

This scam isn’t limited to E-ZPass users. Variations target drivers in states with other toll systems like FasTrak in California, Peach Pass in Georgia, or TxTag in Texas. Even individuals who don’t use toll roads or live in states without E-ZPass have reported receiving these messages, highlighting the scam’s broad, indiscriminate reach.

How Does the E-ZPass Toll Scam Work?

The E-ZPass toll scam operates on a combination of psychological manipulation and technological trickery. Here’s a step-by-step breakdown of how it unfolds:

1. Mass Text Distribution: Scammers use automated systems to send thousands of text messages to random phone numbers. These numbers are often obtained from hacked databases or purchased in bulk on the dark web. The messages may come from unfamiliar area codes, international numbers (like the +63 code from the Philippines), or even spoofed local numbers to appear legitimate.
2. Creating Urgency: The texts employ fear tactics, claiming that the recipient has an unpaid toll and faces immediate consequences—such as fines, legal action, or license suspension—if they don’t act quickly. The small dollar amounts (e.g., $3.95 to $12.55) make the request seem plausible, as toll fees are typically modest.
3. Fake Websites: The message includes a link to a fraudulent website designed to look like an official toll agency page. These URLs often closely resemble legitimate ones (e.g., “e-zpassny-pay.com” instead of “e-zpassny.com”) but contain subtle differences like extra hyphens or misspelled words. Some scams ask recipients to reply with a “Y” to activate the link, adding an extra layer of engagement to trap victims.
4. Data Harvesting: Once a victim clicks the link and enters payment information, scammers capture credit card numbers, names, addresses, and other personal details. In some cases, the site may prompt users to unknowingly download malware, which can lock devices (ransomware) or spy on their activities.
5. Exploitation: With the stolen information, scammers can drain bank accounts, make unauthorized purchases, or sell the data to other criminals. If identity verification codes (e.g., two-factor authentication texts) are intercepted, the damage can escalate further.

The scam’s simplicity and scalability make it highly effective. Cybersecurity experts note that it thrives on the assumption that many recipients won’t question a small toll fee or take the time to verify the message’s authenticity.

Why Is the E-ZPass Toll Scam So Widespread?

Several factors contribute to the proliferation of the E-ZPass toll scam as of March 23, 2025:

• Shift to Digital Tolling: As more states phase out cash toll booths in favor of electronic systems, drivers are accustomed to managing tolls online or via mobile apps. This shift has normalized digital notifications, making fake messages less suspicious.
• Trust in Mobile Transactions: With the rise of mobile banking and e-commerce, people are more likely to trust urgent payment requests received via text. Scammers exploit this trust to bypass skepticism.
• Organized Cybercrime: Reports suggest that sophisticated syndicates, including Chinese-speaking groups on platforms like Telegram, are behind the scam. These networks sell “phishing kits”—pre-made tools that allow even novice scammers to launch attacks—making the scam accessible and widespread.
• Low Risk, High Reward: Sending mass texts is inexpensive, and the potential payoff is significant. Even if only a small percentage of recipients fall for it, the profits from stolen data or funds can be substantial. Additionally, the use of international numbers and encrypted platforms like Telegram makes it difficult for authorities to track perpetrators.
• Lack of Awareness: Despite warnings from the FBI, Federal Trade Commission (FTC), and state agencies, many people remain unaware of the scam or don’t know how to spot it. The FBI’s Internet Crime Complaint Center (IC3) reported over 60,000 complaints in 2024 alone, yet experts believe the actual number of victims is much higher due to underreporting.

The Impact of the E-ZPass Toll Scam

The consequences of falling for the E-ZPass toll scam can be devastating. Financial losses are immediate—victims may see unauthorized charges or drained accounts. Beyond money, the theft of personal information can lead to long-term identity theft, where scammers open credit lines, take out loans, or commit other crimes in the victim’s name. Malware infections can compromise devices, exposing even more data. Emotionally, victims often experience stress, embarrassment, and a loss of trust in digital systems.

The scam also burdens toll agencies and law enforcement. Agencies like the New York State Thruway Authority and the MTA have had to issue repeated alerts, diverting resources to educate the public. Meanwhile, the FBI and local police struggle to combat a crime that often originates overseas, beyond their jurisdiction.

How to Spot the E-ZPass Toll Scam

Recognizing the scam is the first step to avoiding it. Here are key red flags to watch for:

• Unsolicited Messages: Legitimate toll agencies like E-ZPass rarely send payment demands via text unless you’ve opted into mobile alerts. Even then, they won’t ask for sensitive information via SMS.
• Urgent or Threatening Tone: Official communications don’t typically threaten immediate penalties or legal action for small toll amounts. Scammers use fear to prompt quick responses.
• Suspicious Links: Check the URL carefully. Legitimate E-ZPass sites end in domains like “.com” or “.org” (e.g., e-zpassny.com), not odd extensions like “.vip” or “.xyz.”
• Random Numbers: Texts from unknown or international numbers are a major warning sign. Spoofed local numbers can also be used, so verify the source.
• Grammatical Errors: While some scam messages are polished, others contain awkward phrasing or misspellings—clues that they’re not from a professional agency.
• Requests for Personal Info: E-ZPass and similar services never ask for credit card numbers, Social Security numbers, or driver’s license details via text or email.

If a message ticks any of these boxes, assume it’s a scam until proven otherwise.

How to Protect Yourself from the E-ZPass Toll Scam

Prevention is key to staying safe. Follow these actionable steps:

1. Don’t Click Links: Never click on links in unsolicited toll-related messages. Instead, visit the official toll agency website directly (e.g., e-zpassny.com) to check your account.
2. Verify Independently: Contact the toll agency using a known customer service number—found on their official site, not the text—to confirm any claims.
3. Report and Delete: Forward scam texts to 7726 (SPAM) to report them to your carrier, then use your phone’s “report junk” feature and delete the message. File a complaint with the FTC at ReportFraud.ftc.gov or the FBI’s IC3 at ic3.gov.
4. Block the Sender: Block the number to prevent further messages, though scammers often switch numbers.
5. Secure Your Accounts: If you’ve clicked a link or entered info, freeze your credit cards, monitor your bank accounts, and consider a credit freeze with agencies like Equifax, Experian, and TransUnion.
6. Enable Spam Filters: Use your phone’s built-in spam-blocking tools or third-party apps to filter out suspicious texts.
7. Stay Informed: Follow updates from trusted sources like the FTC or your state’s toll agency to keep up with scam trends.

What to Do If You’ve Been Scammed

If you’ve fallen victim, act quickly:

• Contact Your Bank: Report unauthorized charges and freeze affected accounts.
• Change Passwords: Update passwords for any compromised accounts, using strong, unique combinations.
• Monitor Your Credit: Check your credit reports for suspicious activity and place a fraud alert or freeze.
• Report the Incident: Notify the FTC, FBI IC3, and local law enforcement to document the crime and aid investigations.
• Scan for Malware: Run antivirus software on your device to remove potential threats.

The Bigger Picture: Fighting Back Against Smishing

The E-ZPass toll scam is just one example of a broader wave of smishing attacks targeting Americans. From fake package delivery notices to utility bill scams, cybercriminals are adapting to exploit everyday systems. While law enforcement works to dismantle these networks, their international scope and use of encrypted platforms pose challenges. Public awareness and vigilance remain the strongest defenses.

As of March 23, 2025, the E-ZPass toll scam shows no signs of slowing down. By understanding its mechanics, recognizing its signs, and taking proactive steps, you can protect yourself and others from this pervasive threat. Stay cautious, verify before you act, and spread the word—together, we can outsmart the scammers.