Oakland University Credit Union

Spoofing

Spoofing attempts to manipulate recipients into providing sensitive information to unauthorized parties by impersonating another person or entity. Spoofing may be in the form of email, text message, or phone call by someone claiming to be a trusted organization such as MSUFCU.

Spoofing

Spoofing attempts to manipulate recipients into providing sensitive information to unauthorized parties by impersonating another person or entity. Spoofing may be in the form of email, text message, or phone call by someone claiming to be a trusted organization such as MSUFCU.

Phone and Visa Scams

Automated phone calls posing as trusted businesses or organizations state that the recipient's card has been deactivated. To reactivate the card, they need to enter a full debit or credit card number as well as other card information.

Phone and Visa Scams

Automated phone calls posing as trusted businesses or organizations state that the recipient's card has been deactivated. To reactivate the card, they need to enter a full debit or credit card number as well as other card information.

Romance Scams

Scammers will set up phony profiles on social media, or dating websites often with fake photographs and identities, and develop online friendships with other users. Once the scammers have gained the trust of their new online friend, they will request money for a variety of seemingly urgent situations.

Romance Scams

Scammers will set up phony profiles on social media, or dating websites often with fake photographs and identities, and develop online friendships with other users. Once the scammers have gained the trust of their new online friend, they will request money for a variety of seemingly urgent situations.

Investment Scams

Opportunities to invest or be part of a money growing scheme are very prevalent. These scams can develop through online relationships, friend of a friend or business partner/endeavor or other ways that people become entangled in a modern-day pyramid scheme. Often it can start with a small investment amount and build over time. Also be wary of anyone that offers to open or control where you invest your funds (like creating a cryptocurrency account for you).

Investment Scams

Opportunities to invest or be part of a money growing scheme are very prevalent. These scams can develop through online relationships, friend of a friend or business partner/endeavor or other ways that people become entangled in a modern-day pyramid scheme. Often it can start with a small investment amount and build over time. Also be wary of anyone that offers to open or control where you invest your funds (like creating a cryptocurrency account for you).

Card Cracking

Card cracking occurs when a scammer asks you for your checking account information or debit card and PIN. Then, scammers deposit fake checks, or counterfeit bills, and immediately withdraws the money, giving some of the cash to you.

Selling your ATM or Visa Debit Card and PIN is a crime. If a PIN is knowingly compromised, the account holder (not the "card buyer") is responsible for any wrongdoing in the account.

Card Cracking

Card cracking occurs when a scammer asks you for your checking account information or debit card and PIN. Then, scammers deposit fake checks, or counterfeit bills, and immediately withdraws the money, giving some of the cash to you.

Selling your ATM or Visa Debit Card and PIN is a crime. If a PIN is knowingly compromised, the account holder (not the "card buyer") is responsible for any wrongdoing in the account.

Check Payment and
Money Transfer Scams

A buyer may be interested in purchasing an item you are selling and offers to overpay you with a cashier's check or wire. The buyer then requests that you return the remaining funds to them via wire transfer, MoneyGram, or Western Union. The payment sent to you via check or wire is fraudulent; no funds exist to cover the payment or the money you returned to the payee via your personal check.

Check Payment and
Money Transfer Scams

A buyer may be interested in purchasing an item you are selling and offers to overpay you with a cashier's check or wire. The buyer then requests that you return the remaining funds to them via wire transfer, MoneyGram, or Western Union. The payment sent to you via check or wire is fraudulent; no funds exist to cover the payment or the money you returned to the payee via your personal check.

Employment Scams

Scammers will post employment offers on Facebook and other platforms to bait you for personal information. If you contact the scam artist about the job, they will offer to set up direct deposit for you, requiring you provide them with your account number and other personal information.

Employment Scams

Scammers will post employment offers on Facebook and other platforms to bait you for personal information. If you contact the scam artist about the job, they will offer to set up direct deposit for you, requiring you provide them with your account number and other personal information.

Text Message Scams

Text message scams, or "smishing," is when a scam artist poses as a financial institution, government agency, or business stating that the recipient's account has been closed or locked out, and to have it reinstated or unlocked they must provide their personal or financial information. This type of message is fraudulent.

Text Message Scams

Text message scams, or "smishing," is when a scam artist poses as a financial institution, government agency, or business stating that the recipient's account has been closed or locked out, and to have it reinstated or unlocked they must provide their personal or financial information. This type of message is fraudulent.

ATM Scams

Equipment like hidden cameras, card scanners and skimmers can be illegally added to ATMs. These devices allow a thief to video record your PIN and scan your card number. The false scanner may also be set up to "capture" your card so that it is not returned. Once you have left the ATM, the thief returns and collects your card.

ATM Scams

Equipment like hidden cameras, card scanners and skimmers can be illegally added to ATMs. These devices allow a thief to video record your PIN and scan your card number. The false scanner may also be set up to "capture" your card so that it is not returned. Once you have left the ATM, the thief returns and collects your card.

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