Library of Congress Federal Credit Union

Protect your hard-earned money by staying alert to these common scams:

1) Fake Checks & Overpayments
You’re sent a check (often for too much) and asked to send back the difference. This happens in fake job offers, prize scams, or online sales. The check eventually bounces, and you’re out the money you sent.

WHAT TO DO: Never send money back from a check you received. Use secure payment methods and verify who you’re dealing with. Trust your instincts.

2) Debt Collection Scams
Scammers pose as collectors for debts you don’t owe—or already paid—and demand payment.

WHAT TO DO: Don’t share personal info. Ask for proof, research the agency, and check licensing. Watch for threats or refusal to send details in writing.

3) Phishing
Fraudsters send fake emails or texts pretending to be banks or companies, trying to steal your account info or personal data.

WHAT TO DO: Don’t click links or open attachments. Verify the message by contacting the company directly using trusted contact info.

4) Imposter Scams
Scammers pose as government agencies, charities, or law enforcement to pressure you into sending money.

WHAT TO DO: Don’t act on fear. Call the real agency to confirm. Legit organizations won’t ask for gift cards or wire transfers.

5) Job Scams
Fake employers offer jobs, then send checks and ask you to forward part of the money. The check is fake, and you lose what you send.

WHAT TO DO: Verify job listings on the company’s website. Be wary of offers without interviews and avoid sending money or personal info before confirming legitimacy.

Stay Informed. Stay Safe.

Knowing the signs of a scam is your first line of defense. Trust your instincts and always verify before taking action.