Spot the Scam: Recognizing and Avoiding Fraudulent Communications

Scammers Are Getting Smarter—Here’s How to Stay Ahead

Fraudsters are constantly developing new ways to trick people into giving away personal and financial information. Whether through text messages, phone calls, or emails, they often impersonate trusted organizations—like CommunityAmerica—to make their scams seem convincing.

Knowing the warning signs of fraudulent communications, along with familiarizing yourself with an organization’s legitimate communications, can help you protect yourself and your accounts. Below, we’ll break down common scam tactics and how to avoid falling victim to them.

1. Fraudulent Text Messages

Scammers use text messages to impersonate trusted sources, often claiming there’s an issue with your account that needs urgent attention. This type of scam, known as Smishing, can trick you into providing personal information or clicking malicious links.

Red Flags to Watch For:

• Messages asking for passwords, PINs, or verification codes.
• Links directing you to what appears to be a familiar site but is fraudulent.
• Texts claiming you’ve won a prize or need to "act fast" to avoid a penalty.
• Messages from an unfamiliar or suspicious number.

How to Stay Safe:

• Delete unsolicited texts asking for personal information.
• Never click on links in texts from unknown senders.
• If a message seems questionable, call or email us with any concerns regarding text messages claiming to be from CommunityAmerica: 800.892.7957 or [email protected].
  
  

2. Fraudulent Phone Calls

Scammers use phone calls to impersonate trusted organizations and pressure you into sharing sensitive information. This is called Vishing (voice phishing) and can be especially deceptive since caller IDs can be spoofed to look legitimate.

Red Flags to Watch For:

• A caller demanding immediate action, like transferring money or verifying account details.
• Requests for sensitive information, such as your PIN or password.
• Threats, such as saying your account will be closed or compromised if you don’t comply.
• A refusal to let you verify their identity.

How to Stay Safe:

• If a call feels suspicious, hang up and call us back at our official number: 800.892.7957.
• Never share passwords, PINs, or security codes over the phone.
• Be skeptical of urgent or high-pressure requests.
• If a caller claims to be from CommunityAmerica but something feels off, verify their identity before continuing the conversation.
  
  

3. Fraudulent Emails

Scammers send fraudulent emails, also known as Phishing, designed to look like they come from legitimate sources. They often use official logos and urgent messaging to trick you into clicking a link or providing personal information.

Red Flags to Watch For:

• Unexpected emails asking for personal or financial details.
• Spelling or grammar mistakes in the email.
• A sense of urgency, such as "Your account will be locked if you don’t act now."
• Suspicious links or attachments.
• A sender address that looks real but is slightly off (e.g., “@caccu.com” instead of “@cacu.com”).

How to Stay Safe:

• Never click on links or download attachments from unknown senders.
• Verify the sender by checking the email address carefully.
• When in doubt, log in to your account directly by typing our official website into your browser.
• Report suspicious emails to [email protected].
  
  

What to Do If You Suspect Fraud

1. Do not respond – Avoid clicking links, replying to messages, or engaging with the sender.

2. Verify independently – Contact us through official channels if you receive a questionable message.

3. Monitor your accounts – Keep an eye on your transactions and set up security alerts.

4. Report suspicious activity – Let us know if you receive a fraudulent message pretending to be from CommunityAmerica.

Stay Alert & Stay Secure

Scammers are getting more advanced, but by staying informed, you can protect yourself from their tactics. Always remember: If something feels suspicious, trust your instincts and verify before acting.

If you ever have concerns about a message claiming to be from CommunityAmerica, reach out to us directly at 800.892.7957 or [email protected]. We’re here to help keep your accounts safe!