As the seasons change and life picks up with back-to-school activities, new routines, and fall shopping, scammers are just as busy trying to take advantage of unsuspecting consumers. At Credit Union of America (CUA), we want to help you stay one step ahead by highlighting three scams making the rounds right now — and how you can protect yourself.

 

QR Code Tricks

QR codes are everywhere — on menus, packages, parking meters, and ads. Scammers are now using these codes in a scheme called quishing (QR code phishing).

According to a recent report from NordVPN, almost three-quarters of Americans scan QR codes without checking the source, and more than 26 million people have already been directed to malicious sites. Fraudsters create fake QR codes, place them in public spaces, send them in emails or texts, or even overlay them on legitimate signs. When scanned, these fake QR codes can redirect you to fraudulent websites that steal your personal information or even install malware on your device, putting your security at serious risk.

How to stay safe:

• If you encounter a QR code in a public place, look for signs of tampering, such as stickers placed over existing codes, poor quality, or misaligned placement.
• Hover your phone’s camera over the code before clicking to preview the link.
• Avoid scanning QR codes from unexpected emails or text messages.

 

The Fake Tech Support Trap

Another tactic on the rise involves criminals posing as Microsoft or other tech support staff. These scams often begin with a pop-up claiming your computer has a virus or a phone call “from Microsoft” warning of urgent problems. Once they gain your trust, scammers may demand payment, request remote access to your computer, or pressure you into depositing money into cryptocurrency ATMs.
 

How to keep your accounts secure:

• Ignore unsolicited pop-ups or phone calls claiming to be from Microsoft or another tech company.
• Never grant remote access unless you contacted support directly through an official channel.
• Refuse payment requests through gift cards or cryptocurrency. No legitimate business asks for those methods.

 

Online Shopping Scams

With back-to-school shopping in full swing and the holidays around the corner, fraudsters are setting up fake websites and social media ads offering steep discounts on popular items like laptops, clothing, and school supplies. The result: items that never arrive, counterfeit goods, or stolen payment information.
 

Smart habits for online shopping:

• Go directly to a retailer’s official website to shop instead of clicking ads from social media or emails.
• Verify the site is secure by checking for “https://” in the browser.
• Look for reliable customer reviews and clear contact information before purchasing.
• Use secure payment methods that offer added fraud protection.

 

Keeping Our Members Informed

Fraudsters count on people being distracted or rushed, especially during busy times of the year. By pausing before you click, scan, or share information, you can protect yourself from their tricks.

If you ever suspect fraudulent activity, please contact us right away. We’re here to help safeguard your accounts and your peace of mind.

 

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