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In effort to help our members from falling victim to these schemes, we have created this section of our site. We will provide information regarding recent and common scams and fraud schemes that we are aware of.

You will also find information below on what to do in the event that you have or believe you have been a victim of a scam.

UBCCU will never send you an e-mail or text message requesting account information. We have all your account information on file. If you contact us, we will ask you for certain information to ensure your identity.

Recent Scam Reports

The listing below contains scams that UBCCU has become aware of that could potentially affect our members. Please be aware that this is not a comprehensive list, and that you should always be alert and ask yourself "does this make sense?"

A Note on the Recent Equifax Data Breach

Originally Posted 9/19/17

As you may have heard on the news, Equifax, one of the country’s largest credit reporting agencies, announced a breach in their system from mid-May through July, 2017. Through the Equifax system, hackers accessed the personal information of approximately 143 million US consumers, which may include names, Social Security Numbers, birth dates, address, driver’s license numbers, and other information. To determine if your information has been compromised, and for additional information, please visit the Equifax website at www.equifaxsecurity2017.com.

The following actions have been recommended for those affected:

  • Place a Fraud Alert on your credit file and/or place a freeze on your credit reports.
  • Be cautious of any emails from an unknown source, even if they contain personal information. Do not click on links or attachments within an unsolicited email. PLEASE NOTE: Equifax will NOT be sending emails regarding this breach.
  • Change your passwords for all online accounts and email services.
  • Do not give out any personal information to unsolicited phone calls.
  • Be on alert for fraudulent activity in your account and on your credit report. You can pull a free credit report from each of the three major consumer reporting agencies once a year at www.annualcreditreport.com.

Please note that this breach affects Equifax and their systems only. UBCCU’s systems are unaffected, and we continue to secure our members’ information and accounts. If at any time you feel that your UBCCU account has been compromised, please contact us immediately at 989.892.4597.

Fraudulent Calls From UBCCU

Originally Posted 9/18/2017

We have recently been notified that people are receiving phone calls that are appearing to be from UBCCU notifying that a trip has been won. The caller is requesting that another number be called to complete the receipt of the prize. The calls are not valid and you should not call back and give out your personal information.

UBCCU urges you to follow caution when you receive calls soliciting your information. A good rule to follow is that unless you initiate the contact or call, do not give out personal or financial information to someone who contacts you. A legitimate company that you have a relationship with who is contacting you, will already have your information.

You can safeguard your personal information by:

  • Setting up eAlerts on your account
  • Monitoring your credit report
  • Using complex passwords on your accounts

UBCCU’s Sales Center does make calls to our members when we feel that a product or service will be a benefit to our members and they do not currently have the product or service. We will not ask for your account number or other personal information.


Originally Posted 6/17/15

UBCCU has received reports of automated phone calls stating that your card has been compromised and will be blocked. The message then asks you to hit “1” and enter your card number. If you receive one of these calls, please hang up immediately and call the credit union directly. If you have already given out your card number, please contact the credit union to block your card.


Originally Posted 2/2/2015

Recently there have been reports of phone calls from someone claiming to be from the IRS. The caller makes threats regarding past due payments and attempts to get you to give up personal and banking information. Remember, the IRS will not make initial phone calls, they do not request personal information by phone, and will not demand payment over the phone. This is a phone scam. If you receive one of these calls, hang up and contact the IRS or State Police.

View the full list

What to do if you fall victim to a scam:

  • Contact UBCCU at (989) 892-4597 or 1-800-968-7696. Representatives will be able to assist you in protecting your UBCCU accounts.
  • If you use E-Banking, log in immediately and change the password
  • Contact your local police department or law enforcement agency and inquire about filing a report.
  • Report suspicious contacts to the Federal Trade Commission (FTC) at: www.ftc.gov/idtheft or call 1-877-IDTHEFT.
  • If you have disclosed sensitive or personal information, we recommend you contact one of the three major credit bureaus and inquiry about placing a fraud alert on your file. This will help prevent imposters from opening accounts using your information. Below are the telephone numbers for the fraud divisions at each bureau:

Experian: 888-397-3742

TransUnion: 800-680-7289

Equifax: 800-525-6285



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Fraud Glossary


For additional information on protecting yourself and your accounts - check out the Articles Archive


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