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Financial Fraud Resources

TruWest is continually reviewing the safeguards we have in place to protect our member’s personal information. We aim to stay up-to-date on new and evolving tactics used by scammers, and we commit to updating our members as we learn of new schemes or variations in criminal maneuvers. The links below have additional information and resources that will help you work through your specific situation.



Scam Spotlight: 

Corporate Check Fraud

Reports of fake check scams are on the rise. Some individuals thought they received a payment for a new job (secret shopper or car wrap), others received an overpayment for something they sold online, and still others received prize money in the mail for a lottery or sweepstakes they had supposedly won. Regardless of the situation, the scammer’s goal is always the same – to convince you to deposit the fraudulent check and then send some of the money back. Some specifics have been reported to include a person named “Andrew Beck” and being signed by “Oprah Winfrey.” We are advising members to confirm the validity of any unexpected checks, prior to their deposit. If you happen to receive a check that you were not expecting, please do not negotiate the check. Please contact TruWest to make sure the check is valid.

How to protect yourself:

  • If you’re suspicious about a check you received, ask yourself:
  • Is the check for more than you expected?
  • Did you receive specific instructions on how to deposit the check?
  • Are you asked to send money back using an immediate form of payment such as, a money order, gift card, wire transfer, or mobile payment?
  • Are you directed to act quickly to make the deposit and return the money?
  • Does the person who sent the check keep asking when you’re going to send the money?
  • If you answered ‘yes’ to any of these questions, don’t deposit the check.
  • Be aware: It can take weeks for a bank to confirm a bad check once it’s deposited and you may be out the amount of the check and any money sent to the scammer.

For more information on how to identify and protect yourself from this type of fraud, please click here.

There is information that can be reviewed on scams of this nature on the NCUA, the Federal Trade Commission, and the Maricopa County Attorney’s websites.

If you were solicited or a victim, we encourage you to file a complaint with the Federal Trade Commission and if you received the check by mail, the United Postal Inspector.

You are in the best position to report this instance as the victim and the person who received the check.  Filing a report is the best way to gather information on these fraudsters and help law enforcement.


Credit Bureau Information

If you feel your personal information has been compromised or you have been a victim of a scam:


COVID-19 Scams

It is important to be aware of scams that exploit current events, including a variety of COVID-19 scams. For more information on how to identify and protect yourself from this type of fraud, please click here.

Also, you can check the IRS website to verify the authenticity of any COVID-19 related checks that you may receive. There, you can also find tools available to opt out, reschedule, or view stimulus-related funds as well.


Identity Theft Resources

If you feel that you are a victim of identity theft, there are several resources available to assist you. Identitytheft.gov and idtheftcenter.org are two sound resources that can provide information on a personalized recovery plan as well as other valuable information.


Federal Trade Commission

The Federal Trade Commission can also help you put a freeze on your credit report. For specific instructions, visit https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs.

Here, you can also find information on how to report a company to the FTC if you feel they have defrauded you. In such a case, you can also report the company to the Better Business Bureau.

 


AARP Fraud Resource Center

The AARP Fraud Resource Center has a robust list of resources that can help you through a variety of fraud related occurrences. Click here to browse their available tool inventory.