Fraud Awareness: Spoofing Scams Targeting Members
Fraudsters are pretending to be UNCLE Credit Union to steal personal information and money from members. These scams often look or sound real, which makes it vital for you to know how to spot them and respond appropriately.
We Will Never Ask for Sensitive Information
Please remember: We will NEVER call, text, or email you to request the following:
- External or wire transfers
- Your PIN, debit or credit card numbers, or CVV
- Secure access codes sent to your phone
- Online banking login credentials
- Any personal or account information
If you receive a message that appears to be from us and you’re unsure about it, please do not respond. Instead, reach out to us directly at (925) 447-5001 to verify its authenticity.
What Is Spoofing?
Spoofing happens when a scammer impersonates a caller ID or text message by making it seem like they are contacting you from UNCLE.It's surprisingly easy for criminals to replicate our phone number or messaging format, so even if it appears authentic, it’s important not to trust it blindly. When in doubt, hang up and call us directly.
Common Spoofing Scenarios to Watch For
Fake Phone Calls & Texts: You may receive a call or text that appears to be from your UNCLE. The caller will pressure you to act quickly, such as confirming account details or approving a transfer.
Card Number Verification Scams: An automated message might correctly state the last four digits of your card and then ask for your security code. This is a red flag, we will never request your security code.
Secure Access Code Requests: You may receive a text about suspicious activity, followed by a call requesting the secure access code just sent to your phone. Never share your secure access code; no legitimate representative from UNCLE will ask for any access codes.
"Your Funds Aren’t Safe” Scam: A caller impersonating an investigator may claim that your money is at risk at UNCLE. They might urge you to visit a branch and withdraw or transfer your funds, even telling you what to say to the staff. This is a scam.
How to Protect Yourself
How to Protect Yourself- Don’t trust caller ID alone. Spoofed calls can look real.
- Never share personal or account information unless you initiated the contact and are certain of who you’re speaking with.
- Verify suspicious messages by calling us directly at (925) 447-5001.
- Educate loved ones, especially seniors, who are common targets for these scams.
Watch for Government Impersonation Scams
It’s not just UNCLE being impersonated — scammers also pretend to be from trusted agencies like the Social Security Administration, IRS, or Medicare. They may call or text claiming:
- Your benefits will be suspended
- You owe back taxes or face legal action
- You must provide personal or financial info immediately
Remember: Government agencies will never demand money, threaten arrest, or ask for sensitive info over the phone.
If You Suspect Fraud
If you believe you’ve been targeted or shared sensitive information with a scammer:
- Call us immediately at (925) 447-5001 so we can secure your accounts.
- File a report with the Federal Trade Commission at reportfraud.ftc.gov.
- Contact your local police department to report the incident.
Share the Knowledge
Please share this information with friends and family. The more people know about these scams, the harder it becomes for fraudsters to succeed. Visit our Fraud Center to learn more about fraud and how to stay protected.
