As we officially welcome summer, it’s essential to remain vigilant against potential scams. Scammers never take vacations! Summer should be all about sun, fun, and freedom, not falling victim to fraud. At UKRFCU, your safety is a top priority year-round. That’s why we’ve compiled some insights on the most common scams popping up during the warmer months, plus simple steps you can take to avoid them.
Vacation scams “Too good to be true” deals
If a travel deal sounds like a dream come true, it might be a nightmare in disguise. For example, you might receive emails, calls, or texts saying you’ve won a trip in a contest you never entered. Scammers often mimic legitimate booking sites or offer deeply discounted “luxury getaways” that don’t exist.
Stay Safe: When planning your travel, always book through trusted sources and take time to verify that the websites you’re using are legitimate. Checking reviews from other travelers can offer valuable insights and help you avoid potential pitfalls. For added security, use your UKRFCU Visa Credit Card—it offers stronger protection than cash or debit, and makes it easier to dispute unauthorized charges if anything goes awry. With built-in EMV chip technology, 24/7 fraud monitoring, and real-time alerts, your credit card helps safeguard your travel plans from potential fraud. Go a step further and download the UKRFCU App to have access to your account and control your UKRFCU Credit Card to On/Off, report stolen/lost, set travel alerts, and report stolen/lost. (https://ukrfcu.com/services/card-management/)
Travel documents and International Driving Permit scams
Be sure to verify that you are using only the U.S. Department of State site when searching for information or submitting documents.
Utility bill scams –”Pay now or lose service” calls
Fraudsters may claim you’re behind on bills and threaten to cut off service. These high-pressure tactics are designed to panic you into making a quick payment.
Stay Safe: Hang up and call your utility provider directly. Never pay over the phone without verifying first.
Online Marketplace scams fake Rentals and Item Listings
Whether it’s a house rental or other types of rentals, scammers post counterfeit listings to lure buyers. Once you pay, the listing will be removed.
Stay Safe: Use verified and secure travel and rental sites. Avoid wiring money, and use secure payment platforms.
Impersonation scams, such as “Grandparent” or “Travel Emergency” calls, texts, or emails.
Scammers exploit the vacation season by pretending to be a relative in trouble abroad.
Stay Safe: Pause. Call or message your family member directly using known contact info. Don’t be rushed.
Phishing Emails and texts, themed cons
Be cautious of messages about summer concerts, events, sweepstakes, or E-ZPass charges with suspicious links.
Stay Safe: Don’t click on anything you weren’t expecting, especially from an unknown contact.
Watch Out for These Common Travel Scams
Planning a getaway? Stay safe by watching for these red flags:
- “Free” vacations that come with hidden costs – if you’re asked to pay for a free prize, it’s likely a scam.
- Vague or missing trip details – scammers often avoid giving specifics about the destination, accommodations, or itinerary.
- Sketchy payment methods – if you’re told to pay using a wire transfer, gift card, or cryptocurrency, that’s a big warning sign.
- High-pressure tactics – scammers may push you to make a quick decision before you have time to think.
- Deals that seem too good to be true – luxury rentals at rock-bottom prices usually aren’t real.
Protect Yourself: 3 Ways to Avoid Scams
- Slow down and read the fine print. Don’t sign anything or send money until you fully understand the terms. Ask for the cancellation and refund policy in writing—if they can’t provide it, walk away.
- Do your homework. Search the company or listing name with keywords like “scam,” “review,” or “complaint.” Check that the property address exists. If it’s part of a resort, call the front desk directly to verify the booking.
- Stick to secure payment options. Avoid wire transfers, gift cards, or cryptocurrency. These methods are nearly impossible to trace or recover if something goes wrong.
Think You’ve Been Targeted?
Report it to:
- The FTC: ReportFraud.ftc.gov
- Your state attorney general’s office
UKRFCU will never call or message you to request sensitive information, such as your PIN, password, or full Social Security number. If you’ve encountered a scam or just have a gut feeling, reach out to us right away. We’re here to help you stay safe and secure.