I was answering from my perspective of not having being near a toll .I accept anyone can be caught out, and that's what the scammers hope for.
The message is frequently communicated to be alert to scams and not click on links in emails and texts, no matter who it's from, even more so when the message is calling for urgent action to avoid more financial penalty or loss.
Eflow send out many emails advising they don't send links. For those that have no account with them and therefore not getting these emails, is it not also a big red flag that Eflow somehow have got hold of your phone number....?