The National Credit Union Administration warned today after receiving numerous inquiries from consumers.
There are many versions of a fake check scam. However, the result is the same. Scammers lure consumers into depositing a cashier’s check, money order, or other checking instrument from someone that they don’t know and wiring or sending money to the scammers.
A check may take considerably longer to clear the financial institution that issued it before the funds can be collected. It could take days or even weeks to discover that the deposited check was fraudulent.
If you think you or someone you know was the victim of a fake check scam, consider taking the following steps:
- Contact your local law enforcement agency to report the scam.
- Contact your state’s attorney general. Contact information for each state’s attorney general can be found on the National Association of Attorneys General website.
- File a complaint with the Federal Trade Commission. Your complaint will be filed into a secure online database, which is used by many local, state, federal, and international law enforcement agencies. Complaints from consumers help detect patterns of fraud and abuse.
- If you or the victim is an older adult or a person with a disability, contact your local adult protective services agency. You can find local support resources using the online Eldercare Locator or by calling 1-800-677-1116.
The National Credit Union Administration has received consumer calls about a suspicious text message claiming to come from the agency.
The message reads: “National Credit Union Administration Alert for (recipient's phone number). Contact 844-234-5445.”
This is not a communication from NCUA. The agency does not seek personal information through the internet or on the telephone.
Please contact NCUA's Consumer Assistance Center at 1-800-755-1030 between 8 a.m. and 5 p.m. Eastern if you receive one of these messages. NCUA also recommends contacting your credit union and local law enforcement.
The National Credit Union Administration has received reports of an online phishing scam that uses a website with a logo and a design similar to the agency’s own site in an attempt to convince unwary customers to provide information or send money.
Consumers have received emails from the National Credit Union website, which apparently originates in Australia and claims to offer services in the United States, Europe and the Commonwealth of Independent States. This website is not affiliated in any way with the National Credit Union Administration, a federal agency, and the emails are not from NCUA.
Consumers receiving such emails should call NCUA’s Fraud Hotline toll-free at 800-827-9650 or 703-518-6550 in the Washington, D.C., area. Consumers should also contact the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center. NCUA also offers information about avoiding frauds and scams on its MyCreditUnion.gov website.
Consumers who suspect they may have become victims of identity theft should immediately contact their financial institutions and, if necessary, close existing accounts and open new ones. NCUA urges consumers also contact the three major credit bureaus—Equifax (800-525-6285), Experian (888-397-3742) and TransUnion (800-680-7289)—to request a fraud alert be placed on their credit reports.