Fraud attempts are rising nationwide, and scammers are getting more creative. At Red Rocks Credit Union, we want our members to feel confident and protected as the digital landscape continues to shift. While many scams target large groups of people, today’s fraud tactics are designed to feel personal, believable, and urgent. Here are seven newer trends we’re seeing across the financial industry and how you can stay ahead of them.

1. AI Voice Cloning Scams

Scammers are now using advanced voice-cloning technology to mimic the voice of someone you know. They often pull short voice clips from social media or public videos and use them to create convincing audio messages that sound like a friend or family member asking for help.

How to protect yourself

• Reach out using a known phone number before responding to any unexpected request for money.
• Create a family “safe word” that can be used to verify identity in emergencies.
• Be cautious about posting videos publicly.

2. QR Code Phishing

Fraudsters are placing fake QR codes on parking meters, restaurant tables, flyers, and even shipping labels. When scanned, these codes lead to look-alike websites designed to collect your payment information or online banking credentials.

Stay safe by

• Avoid scanning QR codes that look like stickers placed on top of existing codes.
• Navigate directly to the business’s website instead of using a QR code for payment.
• Check the URL carefully after scanning.

3. Package Reshipping and “Errand” Job Scams

Scammers offer remote “jobs” that involve receiving packages, relabeling them, and sending them onward. These items are often purchased with stolen cards. Members caught in these schemes may unknowingly be participating in mail fraud.

Red flags

• Job postings that guarantee high income for minimal work.
• Requests to use your home address as a “processing center.”
• Payments sent before any work is completed.

4. Fake “Warranty and Safety Recall” Calls

Consumers are receiving urgent calls about appliance recalls, car warranties, or home safety equipment. Scammers claim something in your home poses a risk and ask for payment or personal data to “schedule a technician.”

Prevent this by

• Verifying recall claims through the manufacturer’s official website.
• Hanging up and contacting the company using a publicly listed number.
• Ignoring pressure to act immediately.

5. Social Media Marketplace Impersonations

Fraudsters are creating fake listings for home goods, event tickets, pets, or outdoor equipment. Once paid, the seller disappears. We’re also seeing a rise in “buyer scams,” where fraudsters pretend to purchase your item and then attempt to steal funds through fake payment confirmations or overpayment tricks.

To protect your wallet

• Meet in person and complete payment during the exchange.
• Never ship an item before payment is verified.
• Beware of “accidental overpayments” and requests to refund the difference.

6. Malware Hidden in Everyday Downloads

It’s becoming more common for malware to be disguised as coupon downloads, browser extensions, online recipe PDFs, or AI-generated tools. Once installed, malware can capture keystrokes or redirect banking logins.

What helps

• Download files only from reputable sites.
• Update your devices regularly.
• Be cautious of extensions or plug-ins that require unusually broad permissions.

7. “Account Recovery Helpers” on Social Media

When someone posts that they are locked out of an account, scammers often reply offering help. These “helpers” send you links or ask for direct access to your devices.

Remember

• No legitimate company uses direct messages for account recovery support.
• Never share access codes or screen-sharing permissions with anyone offering help through social media.

What Red Rocks Members Can Do Today

Your awareness strengthens your security. Here are a few simple habits that add real protection:

• Enable multi-factor authentication on important accounts.
• Look out for sudden changes in tone, urgency, or communication style in messages from friends or family.
• Regularly review your accounts for transactions you do not recognize.
• Reach out to Red Rocks Credit Union if anything feels off. Our team is here to support you.
  
  

We’re Always in Your Corner

Fraud attempts are becoming more sophisticated, but your financial well-being always comes first. If you ever receive a suspicious message, call, or request, call us. Our Red Rocker Team is happy to help you sort fact from fiction. You deserve clarity, confidence, and support as you navigate a world where fraudsters continue to evolve their tactics.