Scammers are getting more creative—and more convincing. Consumers Credit Union is seeing a rise in fraud attempts that involve phone calls, text messages and even fake job offers. Here’s what you need to know to stay protected.

1. Spoof Calls and Large Withdrawal Scams

Imagine getting a call or text from someone claiming to be from Consumers’ “fraud department.” They sound professional. They know your name. They ask security questions. Then they tell you your money isn’t safe and urge you to make a large cash withdrawal—sometimes even instructing you to deposit it into a Bitcoin ATM.

This is a scam.

Consumers will NEVER:

• Ask for your PIN, password or full account number
• Request large withdrawals or cryptocurrency deposits
• Ask security questions when we initiate contact

If you receive a call like this:

• Hang up immediately
• Do not share any personal information
• Call us directly at 800.991.2221 to verify the situation

2. Text Scams with Links

Scammers are sending texts that appear to be from companies like Apple or PayPal. These messages often mention:

• Suspicious charges
• Missed payments
• Account issues

They include a link or phone number to “resolve” the issue. Clicking the link or calling the number can lead to:

• Personal information theft
• Remote access to your device
• Unauthorized access to your online banking

Tip: If you weren’t expecting a message, don’t click the link. Go directly to the company’s official website or app to check your account.

3. Car Wrap Scams

This scam promises easy money for wrapping your car in ads. Here’s how it works:

• You’re contacted about a “job”
• You receive a large check from a random business
• You’re told to pay for installation using PayPal, Venmo, gift cards or Apple Pay

The check is fake. Once you send the money, it’s gone and you’re left responsible for the bounced check.

How to stay safe

• Verify job offers and payments before accepting or depositing anything.
• Don’t send money to strangers, especially through peer-to-peer apps.
• Be skeptical of urgent requests, especially those involving large sums or secrecy.

And always remember: Consumers will never ask for your personal or account information when we reach out to you. If someone does, they’re not from Consumers.

 

Federally Insured by NCUA