Tax Scams 2019

Security and Scams

Each year, the IRS publishes the “Dirty Dozen,” a list of 12 scams that are rampant during that year’s tax season. This year, the IRS is cautioning taxpayers to be extra vigilant because of a 60% increase in email phishing scams over the past year. This is particularly disheartening since it comes on the heels of a steady decline in …

Don’t Fall “Fur” Pet Scams

Security and Scams

Proceed with caution when purchasing a pet over the internet. If you’ve verified that everything checks out, and you’re careful throughout the process, you can have your new furry friend and your money, too. What are Pet Scams? Pet scams include nonexistent animals for sale by private “sellers” or bogus pet adoption websites promising adorable new pets at bargain prices. …

Help Protect Your Identity With a Free Credit Report Freeze

Security and Scams

Consumers no longer have to pay to use an important tool to help protect their identity. As of September 21, 2018, freezing your credit report at the three major credit reporting agencies is now free. Previously, a consumer had to pay a fee to freeze and unfreeze their credit report. Freezing your credit reports makes it harder for criminals to …

Don’t Get Caught In A Free Trial Scam!

Security and Scams

There’s hardly a “free trial” that won’t cost you big.  The FTC is warning of an uptick in free trial scams, which come in several shapes and sizes. Here are some of the most common free trial scams: Hidden fees In one example, a company aggressively advertises “free trials” for skincare products, dietary supplements, and e-cigarettes on various websites. The …

Beware Tech Support Scams!

Security and Scams

Tech Support Scams

Tech support scams are some of the evilest forms of hacks. In these scams, fraudsters contact victims and trick them into granting the scammer access to their computers. The crooks may reach out to people through a phone call. They’ll insist that the victims have a virus or another problem they’ve somehow detected from the company’s headquarters. Or, they’ll send …

Debit Card Safety

Security and Scams

Let’s explore when and how to use your debit card.  How do you pay for your purchases? It may be instinct for you to pull out any piece of plastic without thinking, but your random card of choice might not be the safest way to pay. Credit and debit: How are they different? Appearances aside, your credit and debit cards …

7 Ways To Spot A Loan Scam

Security and Scams

A loan scam will target people who are in dire straits and who will do anything to get their hands on some cash. Once a loan scam has snagged a victim, they will have the borrower fill out an “application” with sensitive and personal information. The scammer will use the victim’s information to hack their accounts. Arm yourself with knowledge …

How Much Money Have You Spent Gaming Online?

Security and Scams

How many hours do you spend gaming online? Or better yet, how much money have you spent gaming online? Have you spent money on (or within) a game that started free? It happens all the time. Paying Customer How did you end up as a paying customer?  Many free games come with certain caveats. Like ads or in-app purchases and …

Mystery Shopper Scam

DCU Member News & Info, Security and Scams

The following information is from the Federal Trade Commission. For more information, including “Tips for Finding Legitimate Mystery Shopping Jobs,” we advise you to visit the FTC’s website. What is Mystery Shopping? Some retailers hire companies to evaluate the quality of service in their stores; they often use mystery shoppers to get the information. They instruct a mystery shopper to …

DCU Fraud Q&A: Debit/Credit Card Data Breaches

DCU Member News & Info, Security and Scams

Data breaches are becoming more common. Because of this, we put together a quick Q&A to help answer your questions and provide you with instructions on what to do next.   Q: What is a data breach? A: A data breach is when someone infiltrates a merchant’s network and steals customer information. This information includes name, address, social security number, …