Fraud Fails When We Stand Together

Your credit union is here to help you stay one step ahead of fraud. Take these three steps when something feels off.


STOP if a message pressures you to act fast or keep things secret.

VERIFY by using a phone number or app you trust.

REPORT suspicious activity to us so we can help and protect others.

Scammers rely on urgency, secrecy, and pressure to trick people into sharing personal information or sending money. You’re not alone. When we pause and look out for one another, the scammer don’t stand a chance.


Follow along as we break down how to spot common scams.

 
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Spoofed Call/Impostor Scam

You get a call that looks like it’s from your credit union or a government agency. They say your account is compromised and you need to act now. That urgency is a red flag.

How this scam works:

  • Caller ID looks legitimate

  • The caller claims authority

  • Pressure creates confusion

  • Victims asked to “verify” account info

Stolen information used to:

  • Access online banking

  • Set up Zelle, bill pay, or transfers

  • Use debit or credit card information

How to stop it: Hang up. Use a known number to call your credit union directly.

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Romance Scams

Romance scams start with a connection. Scammers build trust over time before asking for “help” that feels natural and urgent.

How this scam works:

  • Emotional connection and trust

  • Embarrassment prevents reporting

  • Scammers encourage distrust of financial institutions

Often targeted: Individuals with large savings or retirement funds. Because victims authorize the transactions, losses can be hard to recover.

How to stop it: Pause before sending money. Talk to someone you trust or call your credit union.

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Job Scams

Looking for work? Scammers know it, and they’re watching.

How this scam works:

  • Legit-looking postings

  • Fake interviews

  • “Easy” remote work

  • Small starter payments to build trust

Red flags:

  • Being asked to send money or buy equipment

  • Requests for personal or banking info early

  • Pressure to act fast

How to stop it: Real jobs don’t ask you to pay to get paid.

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Investment Scams

Scammers promise high returns with little risk.

How this scam works:

  • Offer of exclusive investment opportunity

  • “Guaranteed” high-yield returns

  • Reference of well-known companies

Fake profits:

  • After initial deposit, scammers show fake profits to encourage additional investment

  • Withdrawal requests are stalled with excuses

How to stop it: Pause. If something sounds too good to be true, it probably is.

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For more information, visit www.StopFraudNM.org

Partnership with New Mexico Credit Unions