Fraud & Security Center

Spoofing

Spoofing is the act of disguising a communication so it appears to come from a known or trusted source. Fraudsters can manipulate caller ID so a call appears to come from CCU Florida or another legitimate organization.

Watch for: Unexpected requests for passwords, verification codes, PINs, card information or other sensitive information.

Phishing

Phishing uses fraudulent emails, messages or websites to trick people into providing sensitive information such as passwords, account numbers or Social Security numbers.

Watch for: Unexpected links, urgent requests to verify an account, unfamiliar website addresses or requests for sensitive information.

If you receive a suspicious email claiming to be from CCU Florida, do not use the links or phone numbers contained in the message. Contact CCU Florida directly instead.

Vishing

Vishing, or voice phishing, uses phone calls or automated voice messages to convince victims to provide sensitive account or card information.

Watch for: Callers asking for your card number, password, PIN, CVV or one-time security code.

Government Imposter Scams

Fraudsters may impersonate government agencies such as the Social Security Administration, IRS, Medicare or law enforcement agencies. They may threaten arrest, account suspension or other consequences unless money or information is provided immediately.

• Do not rely solely on caller ID.
• Independently contact the government agency using its official contact information.
• Be suspicious of demands for payment by gift card, wire transfer or other unusual methods.

Romance Scams

Romance scammers create fake online profiles and build relationships with victims before requesting money for emergencies, travel expenses or other fabricated situations.

• Never send money or gifts to someone you have not met in person.
• Talk with someone you trust if an online relationship begins involving requests for money.
• Watch for inconsistent stories or repeated excuses about why someone cannot meet in person.

Fake Check Scams

In a fake check scam, someone sends you a check and asks you to deposit it, keep a portion of the money and send the remaining funds elsewhere. The check may initially appear to clear but later be determined to be fraudulent, leaving you responsible for the money withdrawn.

These scams may be disguised as sweepstakes, job offers, mystery shopping opportunities or other ways to make easy money.

SIM Swapping & Port-Out Fraud

Fraudsters may attempt to take control of your mobile phone number by convincing your wireless carrier to activate a different SIM card or transfer your number to another carrier.

Once successful, the fraudster may be able to receive calls and text messages intended for you, including authentication codes.

Help protect yourself:

• Ask your mobile carrier about adding a PIN or password to your account.
• Ask whether your carrier offers a number lock or port protection feature.
• Contact your carrier immediately if your phone unexpectedly loses service.

Skimming

Skimming occurs when criminals use a modified card reader or hidden device to capture information from a credit, debit or ATM card.

Before using an ATM or card reader, look for unusual equipment, loose components or anything that appears to have been added to the machine. Review your account regularly for unauthorized transactions.