Beware of Fake SMS Claiming "Your Pension Will Stop": 4 Things the Japan Pension Service Never Does

Phishing scams impersonating the Japan Pension Service are increasing, with fake SMS messages claiming pension payments will stop due to unpaid contributions. However, this threat is impossible under the pension system, and receiving "unpaid" notices is itself suspicious, especially for those over 65. Understanding how to distinguish authentic from fraudulent messages can prevent scam victimization.

Overview of the Scam

Phishing scams impersonating the Japan Pension Service are spreading. Victims receive SMS messages on their smartphones stating "Your pension payments will stop this month due to unpaid contributions," with a link prompting them to click.

Characteristics of the Scam Method

Common Fake SMS Subject Lines and Messages

"[URGENT] Final Confirmation Notice Regarding Unpaid National Pension Contributions"
"Notice of Asset Seizure Warning"
"Your pension payments will stop this month due to unpaid contributions"

Fraud Activities at the Linked Website

Demanding fund transfers to payment services like PayPay
Requesting submission of My Number (national ID) images
Prompting entry of personal information such as bank account numbers

System Contradictions That Reveal "Fake Proof"

1. National Pension Contribution Obligation is Ages 20-59

It is inherently suspicious for those over 65 to receive "unpaid" notices. Notifications sent to those outside the contribution obligation age group can be identified as fake at that point.

2. Pension Payment Stoppage is Impossible

The consequence of contribution delinquency is "asset seizure (forced collection)," not suspension of pension payments. This threatening language reveals the scammer's lack of system understanding.

3. Japan Pension Service Never Requests Personal Information via SMS or Email

As a government agency, the Japan Pension Service never requests personal information such as My Number or bank account numbers through SMS or email.

4. Sudden Requests for Transfers Are Typical of Fraud

Authentic government agencies never instruct citizens to transfer funds to payment services via sudden SMS.

Specific Measures to Prevent Damage

What to Do Upon Receipt

Do not click the link: Never open links in suspicious SMS messages
Do not enter personal information: If asked for My Number or account numbers, consider it fake
Do not comply with transfer requests: If instructed to send money related to pensions, treat it as fraud
Verify through official channels: Visit the Japan Pension Service official website or call the published number directly if uncertain

Psychological Awareness

Be cautious of expressions creating urgency such as "payment stoppage this month"
Scammers target sensitive topics that elderly people hesitate to discuss with family
If anxious, consult with family members or trusted individuals first

Reporting and Consultation Resources

Japan Pension Service: Contact numbers available on their official website
Phishing Countermeasures Council: Report suspicious emails and SMS messages
Consumer Hotline (188): Consumer consultation services
Police: If fraud victimization has occurred