You basically call them to inquire about a text, the text says that you are adding a person to send them money. They then say your email has been changed, your account is red-flagged, there is misuse of your identity, there is illegal activity. Talking to SSA now.
The original text is
Text message from Bank of America claiming Janet Brown is receiving $1,795 from my account on 11 10 22 and if I am not aware of this transaction to call 877.209.1840