How to Avoid Being Scammed

Your privacy is our top priority. It’s important to be aware and stay on top of common scams to protect yourself from fraud.


Scammers are getting more and more sophisticated in their attempts to steal your money, identity, and personal information. Understand that scams are not directed at any individual, anyone can become vulnerable to a scam at any time. They try to catch you when you’re off-guard and least expecting it, so make sure to always stay alert of fraudulent behavior and protect your personal information from strangers.


Here are some common scams to keep an eye out for:



Charity Scams. Scammers often disguise themselves as charities and nonprofits and request donations. They pose as charities and pretend to fundraise money to help those in need. Scammers know this is a sweet spot and will take advantage of the situation to steal people’s money.


  • Ask for detailed information about the charity or nonprofit, including name, address, and telephone number. Always research a charity before you decide to donate and inquire how much of your donation directly goes to the program you want to support.
  • Never wire money to someone claiming to be a charity or nonprofit. Scammers often request donations to be wired because wiring money is like sending cash. In addition, if someone asks you to pay by giving them the numbers from a gift card, don’t do it.
  • Consider it a red flag if the organization thanks you for a pledge, you do not remember making.
  • Don’t feel pressured to donate right away. Scammers will often create a sense of urgency and rush you into donating to eliminate the chances that you’ll do background research on the organization.


Computer and Internet Scams. This is when scammers dupe individuals into giving out their personal financial information by creating authentic-looking emails, text messages, or internet pages to entice their victims into disclosing financial information. Scammers have become sophisticated in their advanced use of technology to deceive others.


  • Do not send any financial information or account numbers. Email is not a secure method of transmitting personal information.
  • Do not open any message that comes from an unfamiliar source. Be cautious about opening attachments and downloading files from emails. Scammers will conceal viruses underneath a hyperlink that looks like legitimate content.
  • Beware of Phishing – scammers often disguise themselves as a boss or co-worker by posing as legitimate business e-mail accounts. If they are requesting you perform certain tasks involving purchasing gift cards, it’s likely a scam. Always check the sender’s email address for small changes or anything that differs from the ordinary and report any suspicious emails.
  • Use trusted security software on your computer and make sure it is updated regularly.


Telephone Scams. There are countless ways scammers can deceive others over the phone. Imposters are known to call elderly individuals pretending to be a family member in trouble. Sometimes the scammer even knows the family member’s name and is usually crying, making it hard to recognize their voice. Phone scammers also commit identity theft over the phone claiming you’ve been selected for an offer or have won a prize to steal your personal information.


  • Be sure to call your family member at a number you know is valid to find out if the request is legitimate.
  • Never give out personal financial information over the phone, even if they claim to work for an established organization like the IRS, Social Security Administration, a charity, or hospital. Instead, look up the number yourself. Note: Government agencies never call to confirm your sensitive information.
  • Consider it a red flag if the caller insists on secrecy. Scammers will often ask you to pay in a way that makes it hard for you to get your money back — by wiring money, putting money on a gift card or prepaid card, or by using a money transfer app like Venmo or CashApp. A good rule of thumb is, don’t send money to people you don’t know. Any stranger who asks you to pay them using a payment app could be a scammer.


Romance Scams. Millions of people around the globe use dating websites and mobile apps to search for romantic partners. Sometimes, couples meet using technology and it’s love at first sight. But not everyone is looking for Cupid’s arrow to strike. Many are scammers aiming to meet singles for money, not for love. Romance scams target individuals looking for a relationship. Fraudsters start by setting up fake profiles on various dating and social media platforms. After establishing trust over several weeks or months, scammers encourage victims to express their affection by sharing personal financial information, wiring money, or sending cash and gift cards. Often, the scammer simply takes the money and runs. But sometimes, they stick around to see if they can get even more money before disappearing without a trace.

Tips: Be on the lookout for these red flags:

  • They call you their soul mate or profess their love after only a short time.
  • They urge you to move the conversation off the dating platform or social media website almost immediately, since they know many of these sites monitor certain activities.
  • They claim to live or travel frequently outside the U.S. and use that as the reason you can’t meet in person.
  • When you ask for details about their life, the information given is inconsistent.
  • They cite money problems as the reason they can’t visit.
  • Requests for money start small and are filled with embarrassment (which is faked), and emotion-filled promises to repay.



Best practices

Never listen to anyone who discourages you from seeking information or verification from your family members and friends before you make a financial decision. Make sure to always do research if you’re unsure about the legitimacy of a business or of someone you’ve only talked to online. Always use passwords to protect your information and keep them safe and secure. In addition, choose your passwords carefully and always differentiate them across your accounts. Choose passwords that are difficult for others to guess and use a mixture of letters, numbers, and symbols.




Don’t give out your personal or financial information in an email or text message. We will never ask you for your account number, social security number, name, address, or password. The only exception to this is to verify your identity when you call us directly.


If you have any questions about a transaction that you think might be fraudulent on your account or about someone asking you for money, reach out to Seasons FCU immediately. Keeping your financial information safe and secure is our priority.


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