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Protect Yourself from Fraud, Scams, and Financial Loss

Fraud is increasing across all channels. Learn the warning signs, how to protect yourself, and what to do if something feels off.

We will NEVER:

  • Demand you to send money by wire transfer
  • Request payment using gift cards
  • Demand urgent action without verification
  • Ask for sensitive information unexpectedly

Fraud Scenarios

These real-world examples show how convincing scams can be and why it is important to slow down and verify.

Example 1

Spoofed Business Scam

A fake call from a legitimate business phone number demanding funds.

Red flags:
  • Caller ID appeared legitimate
  • Wire instructions were unexpected
  • Pressure to send funds quickly
Example 2

Pop-Up Scam

A fake security warning that leads to a money request.

Red flags:
  • Pop-up claiming the device was hacked
  • Someone posing as law enforcement
  • Requests for wires or gift cards
Example 3

Romance Scam

A scammer builds a fake relationship online and eventually asks for money due to an “emergency.”

Red flags:
  • They avoid meeting in person or video chatting
  • They quickly express strong emotions or love
  • They ask for money due to emergencies or travel issues
  • Requests for wires, gift cards, or cryptocurrency

Warning Signs of Fraud

If you notice any of these signs, stop and verify before taking action.

Urgent Requests

Pressure to act immediately with no time to verify details.

Gift Card & Crypto Payments

Any request to pay with gift cards or crypto currency is a major red flag.

Unexpected Wires

Sudden wire instructions tied to a purchase, account issue, or emergency.

Security Pop-Ups

Messages claiming your computer is hacked or your account is in danger.

Threatening Calls

Someone claiming to be from law enforcement, your bank, or another authority.

Looks Real, Feels Off

The phone number, email, or text looks legitimate, but the request feels unusual.

What To Do If You Suspect Fraud

Taking quick action can help protect your accounts and limit potential losses.

1

Stop Communication

Hang up, close out of the browser, and stop responding immediately.

2

Contact Us Directly

Use the official number on your card or our website.

3

Secure Your Accounts

Change passwords and review recent account activity.

4

Document Everything

Save emails, phone numbers, receipts, and any details related to the incident.

Report Fraud or Suspicious Activity Immediately

If you believe you’ve been targeted or shared sensitive information, contact us right away. Acting quickly can help reduce potential losses.

Call Us
(713) 986-0200
Email
hpcu@hpcu.coop
Contact Fraud Team