Scams have changed a lot over the years. As online innovation continues to grow, scammer tactics are evolving to reflect these changes. In 2022, scammers are up-to-date on companies’ newest practices and how to imitate them. For this reason, fraudulent activity can be harder to detect. Here are a few scams that are growing in popularity this year, and how to recognize them.

IRS Scams— With tax season upon us, scammers will impersonate the IRS in an attempt to collect your personal information, claim your tax refund, or hack into your account. These scammers will often contact you in a way the IRS wouldn’t, such as emails, phone calls, or texts. Visit the IRS website for more information on IRS scams.

Delivery Scams— Because online shopping is becoming more and more common, scammers will disguise emails to look like they are from UPS, FedEx, or other delivery services. Oftentimes, they will prompt you to open fake package tracking or request that you log-in to your online account. Always double check their authenticity before opening attachments, clicking links, or filling out any personal information.

Gift Card Scams— This type of scam can take multiple forms. Scammers might offer an in-demand item at an amazing price. Or, someone might call you with an urgent payment request. In both situations, their only stipulation is you must pay in the form of a gift card. Because of this, it’s virtually impossible to trace and get your money back. If someone is demanding you pay only with gift cards, it’s always a scam.

Company Impersonation Scams— Pretending to be representatives from well-known companies such as Amazon or PayPal, scammers will contact you about suspicious activity and urge you to call for help. There are also fake Google ads advising you to call a false number. If you are questioning a phone number or ad, go to your account directly and find the customer service number directly on the website.

In all these cases, there are common characteristics that will help you suspect fraudulent activity may be at play, including:

• Urgent requests requiring immediate action
• Suspicious links or attachments
• Incorrect grammar and typos
• Asking for personal information

As a reminder, Dakota West Credit Union will NEVER ask you for the following information via email, text, or phone call:

• Account Number
• Social Security Number
• Your Birthday
• Your Address
• Your username or password

If you receive a message and are unsure of its authenticity, call us anytime at (800) 411-7590. Visit our Fraud & Scam Information page to learn more about common scams and what to do if you think you’ve fallen victim.