PROTECT YOURSELF FROM SCAMS
This page has been created to educate members on a few of the most common scams to watch out for.
If you have any concerns regarding possible fraudulent calls, texts, or emails, please contact the Credit Union during our regular business hours at (786) 257-2300. If you received a check or direct deposit that you suspect may be fraudulent, please speak with a Credit Union Representative before withdrawing the funds.
The checks are fake, but they look real. In fact, they look so real that even employees in financial institutions may be fooled. Some are phony cashier’s checks or money orders; others look like they’re from legitimate accounts. The companies whose names appear may be real, but someone has created counterfeit checks without their knowledge.
In recent months, several people have unexpectedly received checks that seem to be drafted from our institution. We have determined that these are counterfeit Cashier Checks. The checks may come from Craigslist, OfferUp, job posting, online lotteries, auction websites, etc. Often, the sender will ask the recipient to deposit the check and then wire back a portion of the funds.
The Cashier Checks that we have encountered have a logo that may resemble the Credit Union’s logo, but it is not the same. The checks will often have a memo of “Certified Cash,” “Instant Cash,” “Authorized Cash,” etc. Though the check may look very real, it is counterfeit.
If you are selling goods online, do not accept a check and never wire money to a stranger. Think twice and question the legitimacy of checks from unknown senders. Remember if it sounds too good to be true, it probably is.
If you believe you have received a fraudulent check, do not communicate with the sender. You may bring the check to any BHSFFCU branch or call our Contact Center at 786-257-2300 for verification.
The taxpayer receives an erroneous refund and gets a call from someone claiming that he or she is from the IRS and threatens the taxpayer with criminal fraud charges, an arrest warrant, and a "blacklisting" of their Social Security Number. The scammer gives the taxpayer a case number and a telephone number to call to return the refund.
Tax Collector Scams: Scammers posing as debt collection agency officials acting on behalf of the IRS contacted the taxpayers to say a refund was deposited in error, and they asked the taxpayers to forward the money to their collection agency.
Note that the IRS does not:
- Call to demand immediate payment using a specific payment method such as a prepaid debit card, gift card, or wire transfer. Generally, the IRS will first mail you a bill if you owe any taxes.
- Threaten to bring in local police or other law-enforcement groups to have you arrested for not paying.
- Demand payment without giving you the opportunity to question or appeal the amount they say you owe.
- Ask for credit or debit card numbers over the phone.
Additional information on these and other related scams can be found on the IRS Tax Fraud Alerts page.
Members have received text messages from parties claiming to be their Credit Union or Bank. In these texts, they are asked to call a telephone number that then prompts them to provide personal or financial information. This includes account numbers, card numbers, social security numbers, etc. While the Credit Union may occasionally send text messages asking you to contact a specific person or a department, the Credit Union will never...
- Ask you to provide your account or card information to an automated system.
- Ask you to leave confidential information on a recording.
- Ask you to visit a website, other than www.BaptistHealthFCU.org
For additional information on these and other scam alerts, please visit the Federal Trade Commission's Scam Alerts page at https://www.consumer.ftc.gov/features/scam-alerts
You can also learn about scams that are active in your area by visiting the Better Business Bureau's Scam-Tracker site at https://www.bbb.org/scamtracker