Staying safe today requires being aware of scams that target people from all walks of life. Fraudsters often create schemes that seem incredibly legitimate, hoping to catch us off guard. Let’s explore a few common scams and tips to recognize them. By knowing what to look for, you can keep your information – and your money – safe.
- Phishing Scams
Phishing scams often come in the form of phone calls, emails, or text messages that appear to be from trusted sources (your bank, Medicare, or familiar store). They usually ask you to click a link or enter personal information, sometimes warning you that you need to “act now.” But these links usually lead to fake websites that steal your information.How to Avoid: If you receive an unexpected message asking for personal details, avoid clicking any links. Instead, reach out directly to the organization using an official phone number or website. A quick call can confirm if the message is real or a scam. - Tech Support Scams
Another common scam is the “tech support” call. This scam usually starts with a call, email, or even a pop-up on your computer. The scammer might claim to be from a well-known company, like Microsoft or Google, and warn that your computer is infected. They’ll often ask for remote access “to fix the problem” or may ask for payment information.How to Avoid: Real tech companies do not make unsolicited calls. They will not reach out to warn you of computer issues unless you contacted them first. If you’re ever unsure, call the company directly at a number listed on their official website—DO NOT use any numbers provided in the message. - Medicare and Health Insurance Scams
Some scammers may pose as representatives from Medicare or your health insurer, claiming there’s an issue with your account or offering “free” services. They often ask for personal information or payment, sometimes even by phone or email.How to Avoid: Keep in mind, Medicare will not contact you to ask for personal details. If you’re concerned, contact Medicare or your insurance provider directly using their official contact details. - Impersonation of Your Credit Union
Fraudsters sometimes pretend to be from your credit union, claiming there’s an issue with your account or even offering “special services” like selling checks. They may call, email, or send a text asking for personal account details. Remember, we will NEVER call you asking for personal information.How to Avoid: If you’re contacted by someone claiming to be from the credit union, and they ask for sensitive information, DO NOT share any details. Hang up and call us directly using our official number found on the website or your latest statement. This is the safest way to ensure you’re speaking with a trusted representative.
Final Tips:
Beware of Pressure: Scammers often create a sense of urgency, that you must act immediately or else something will happen. Do not feel rushed.
Trust Your Instincts: If it seems off in any way, pause and verify. Do not be afraid to cease communication, then reach back out through a verified method of contact.
Double-Check Requests: Don’t give out information unless you’re certain it’s legitimate.
These scams can happen to anyone, and knowing what to look for is your best defense. By staying alert, you can protect your information and peace of mind.
