Rest Confident, Your Money is Safe and Secure at Kirtland Credit Union, a message from our President & CEO. Learn More
We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted. A reply is not considered necessary unless a difference is noted.
Kirtland CU branches and the Member Contact Center will be closed Thursday, November 23 in observance of Thanksgiving.
If you may experience financial hardship related to the government shutdown, we’re here to help. Call 1.800.880.5328 or visit one of our branch locations for more information.
Black Friday and Cyber Monday are already in our rear-view mirror, and that means it’s time to start thinking about getting gifts for your friends and family.
However, while you’re on the lookout for that perfect gift, fraudsters and scammers are looking to become the Grinch who stole your holiday cheer. A global study conducted by Norton in August 2022 revealed that 36% of Americans have fallen victim to online shopping scams during the holidays, losing nearly $400 on average as a result – that’s a hefty lump of coal in your stocking!
Here are a few of the most common holiday shopping scams that you should be aware of while filling Santa’s sleigh this season:
These often involve advertisement posts from seemingly familiar brands, or even posts shared by people you follow, promising name-brand or luxury goods at bargain-basement prices.
However, these are often gateways meant to collect your financial information or to gain access to your social media account so they can spread their net wider in hopes of catching their next mark.
Be vigilant, and don’t click on links for suspicious deals or shop on online sites you haven’t heard of before. If you want something, it pays to get it from a trusted website – better to pay more and keep your information safe than pay less and get taken for a ride by fraudsters online!
These generally come in the form of phishing emails or texts that appear to be from someone you know, asking to purchase several gift cards for them, for business or other purposes.
If you receive any unusual requests for gift cards during the holidays, reach out directly to the person who is purportedly contacting you by phone to confirm the authenticity of the request.
Additionally, if anyone ever insists on payment via gift card, be wary. Legitimate businesses and government bodies never ask for payment via gift card. Any such request is a marker for fraud.
In 2022, the U.S. Postal Service processed more than 11.7 billion pieces of mail and packages during the holiday season. Safe to say, we all rely on deliveries to help us complete our holiday shopping lists – and criminals know this.
Fraudsters will send texts or emails asking about package-related inquiries: updating the delivery date, tracking a package location, updating payment preferences, providing delivery instructions, and paying a shipping fee. They will generally provide a phone number or link to interact with and express urgency about your delivery to get you to act immediately.
If you receive a communication by phone, text, or email claiming to be from a shipping company that throws up any red flags (numerous misspellings, demanding immediate payment, etc.), don’t interact with that communication – contact the shipper directly through their specific website. Type the address into your browser – clicking on a link may send you to a phishing site meant to trick you into providing sensitive information to a scammer.
There are several different types of scams circulating in our world, but you can still have a happy holiday and shop safely – just follow these tips and be vigilant:
Five Holiday Scams to Avoid (https://www.morganstanley.com/articles/holiday-scams)
Don’t Let Holiday Shopping Scams Ruin Your Cyber Monday (https://www.cnet.com/tech/services-and-software/youd-better-watch-out-tis-the-season-for-holiday-shopping-scams/)
AARP – Holiday Scams (https://www.aarp.org/money/scams-fraud/info-2019/holiday.html)
Online Holiday Shopping Frenzy: Study Shows 1 in 3 Americans Tend to Take More Risks When Shopping Online During Holiday Season (https://www.prnewswire.com/news-releases/online-holiday-shopping-frenzy-study-shows-1-in-3-americans-tend-to-take-more-risks-when-shopping-online-during-holiday-season-301663937.html)
U.S. Postal Service Ready to Deliver for America During the Holidays (https://about.usps.com/newsroom/national-releases/2023/0919-usps-ready-to-deliver-for-america-during-the-holidays.htm#:~:text=In%202022%2C%20the%20Postal%20Service,package%20to%20its%20intended%20destination.)