The winds start to change, temperatures turn cooler, and the scammers stay inside creating fraud schemes. Who are we kidding? They are always finding new and innovative ways to get inside our wallets. But it is a bit more noticeable during the holiday season. Is it that they scam more? Or perhaps with everyone busy figuring out their holiday schedule and shopping (which is even more taxing during Covid-19) that we just let our guard down? Or does it just seem crueler to steal from someone around a holiday? Whatever it is, here are a few scams Credit Union of America has recently seen.