The holiday season may be behind us, but scammers are always looking for their next target. Post-holiday scams are common as fraudsters try to take advantage of the aftermath of the season. Staying vigilant can protect you and your finances from becoming their next victim.

Common Post-Holiday Scams

Scammers use a variety of tricks during this time of year. Here are some of the most frequent:

• Fake Charity Appeals: Fraudsters pose as charities seeking donations for those in need. Always verify the legitimacy of a charity before donating.
• Package Delivery Scams: Phishing emails or texts claim there’s an issue with a package delivery, prompting you to click a link or provide personal information.
• Gift Card Scams: Scammers trick individuals into paying with gift cards for non-existent services or to “resolve” fake issues.
• Refund Scams: Fraudsters pose as customer service representatives offering refunds for holiday purchases but ask for sensitive details to “process” the refund.

How to Protect Yourself

Protecting yourself from scams requires staying informed and proactive. Here are some tips to keep your finances safe:

• Verify Communications: If you receive emails or texts about packages, refunds, or donations, confirm their legitimacy by contacting the organization directly.
• Monitor Financial Accounts: Keep a close eye on your bank and credit card statements for unauthorized charges.
• Be Cautious with Links: Avoid clicking on links in unsolicited emails or messages. Instead, navigate to official websites manually.
• Enable Fraud Alerts: Many banks and credit unions offer fraud detection services. Sign up for alerts to stay informed of suspicious activities.

Velocity Community Credit Union Is Here for You

At Velocity Community Credit Union, we prioritize your financial security. We will never request sensitive information like passwords, account numbers, or Social Security numbers through email or text. If you receive a suspicious message claiming to be from us, please contact us directly.

Stay informed about the latest scams by visiting resources like the Federal Trade Commission’s Consumer Information site. Taking simple precautions can go a long way in safeguarding your personal and financial information.

Share the Knowledge

Scammers thrive on misinformation and unawareness. Share these tips with friends and family to help everyone stay safe from scams this year.