The people texting this crap are using Verizon' Online text feature which is free texting via a browser (that's the "vtext.com" part of the address) I guess they just post as random financial institutions- always in a weird way like "FCU Generations" or "ValleyFCU" I wonder if posing as a Federal financial institution is a crime? Maybe they are using the weird spelling as a way out of posing as a legtimate? Anyway, I don't know why they do this, but as others point out, they get someone to reply and grab their debit card numbers and rob them blind.
I've seen this before and just received a text from the number. I've seen others post that when or IF you call them, something about they tell you you're debit card is invalid ... blah blah blah ... SCAM!! AND THEN NEED TO STOP TEXTING ME!!!
They keep testing my cell phone telling me to call. I text back why? They don't respond. So many terrible scam artists I will not call or answer calls to anyone not identifying themselves. Be aware!