Summer Preventative Fraud Alert

Our Fraud Team places calls, texts, and emails to members 24/7 365 days a year. The credit union uses these forms of communication to verify potentially fraudulent debit and credit card transactions.

This process has been replicated by scammers to gain our members' card information over the phone. Fraudsters make the phone number they call from look as if it is Wexford Community Credit Union calling, or our Fraud Monitoring System. They purposefully try to catch a member off guard and use that to their advantage. Below are some helpful tips to keep in mind if you receive a call like this:

When verifying a transaction over the phone, Wexford Community Credit Union will not ask for the following:

• Your full card number
• The CVV number - commonly known as the three digit security number on the back of your card (used for shopping online).
• Your PIN
• For a code to be provided to you to verify your identity.
  • The code is called an OTP or a One Time Passcode.
  • Read the text message carefully. Standard OTP messages will tell you that the code should not be shared with anyone.
  • The code allows the caller to add your debit or credit card to Apple Pay, Google Pay, and/or Samsung Pay.
  • Fraudsters can shop online and use tap to pay with their mobile device to make transactions using your money.

What to do if Your Card Information or Personal Information is Exposed:

• Hang up immediately.
• You can place a block on your debit card by accessing Card Controls through our online banking or mobile app. Select the "Temporarily Lock Your Card" option.
• Call WCCU at 231-775-2081.
  • Let us know what was exposed. We can keep your finances protected and provide information on how to protect your personal information.
  • Inform us of what number the fraudster called from, what they said their name was, and all other information that comes to mind. This allows our Fraud Team to create strategies and further protect our members.

Security Alerts

Your security experts at WCCU stay on top of the latest security threats and post them here for our members to access.

The Information You Need to Know

Fraudulent Calls

We’ve had members contact us with reports that they’ve received calls with our name on the caller ID.  These automated calls offers lower interest rates, and requests member information. These calls are not from Wexford Community Credit Union. If you ever have any doubt about a call you receive, please hang up and and call us directly.

Our Fraud Alert System is the only automated calling service we use. We will never ask for personal information for during those automated calls. During a  Fraud Alert System call, you will be asked to confirm or reject recent purchases, and the last digits of their card, but we don’t ask for SSNs, card numbers, etc.)  This Better Business Bureau article offers additional information about this type of fraudulent call:

Learn More

Fraud Alert Scam Calls

Wexford Community Credit Union members are being targeted in another phone phishing scam in which they receive a call from the WCCU ‘fraud department’ claiming their debit card or account has been blocked. The fraudsters ask you to give them your date of birth and Social Security number.  The phone number on the caller ID is spoofed to look like our actual automated fraud alert system: 877.276.3721.

Falcon is WCCU’s automated fraud alert management system. You will receive an automated message asking you to verify information to prove your identity such as your date of birth, last 4 of your SSN, zip code or phone number, and confirm or deny recent purchases. Falcon will never ask for an account number, full card number or CVC code, or full Social Security Number! Remember: We already have your information on file and we don’t need you to give it to us again!

Immediately disconnect from any suspicious call that relates to your debit or credit card or from anyone who requests any personal financial information.  You should call the credit union back directly on our landline: 231.775.2081 (Cadillac) or 231.839.2081 (Lake City).  We will confirm your code word to verify your identity (don’t have one yet? set it up in online banking!), and you’ll know you’re speaking with us.

Text Scam

Text Alert:  In the past, WCCU has had several members alert us to fraudulent texts they received. If you have received a text from a source claiming to be from WCCU, read on: Members received a text (“Credit Union Alert for Member#x) telling them to call a phone number. THIS IS A SCAM.

Prevent Elder Financial Abuse

Prevent Elder Financial Abuse
Elder financial exploitation—commonly linked with other forms of abuse and neglect—threatens the health, dignity, and economic security of millions of older Americans.  Click here for your free Financial Abuse Prevention Checklist. By becoming educated about the ways in which elders are taken advantage of, and ways to help prevent this kind of abuse, we can all help to ensure the continued health and well-being of our elders.

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