Wright-Patt Credit Union® (WPCU®) is seeing an increase in spoofing scams targeting members and member business accounts. These fraudulent attempts are designed to gain unauthorized access to sensitive account information.
Scammers may use fake phone calls, text messages, and emails that appear to come from WPCU. While these communications can look or sound convincing, their goal is to trick you into sharing personal or financial information.
One of the latest scams is pretending to be from the WPCU “Fraud Department,” making it especially important to slow down, verify the source, and avoid sharing information unless you are certain the communication is legitimate.
Red Flags to Watch For
If you receive a suspicious message or call claiming to be from WPCU, remember:
No matter how urgent, credible or convincing they sound, do NOT give out this information.
What to Do If You’re Contacted
If you receive a suspicious call, text, or email:
You can reach us at:
If You Already Provided Information
Contact WPCU immediately so we can help review your accounts and take appropriate protective measures.
Stay Safe and Informed
Your security is our top priority. WPCU actively monitors accounts for fraudulent activity, but staying alert and informed is your best defense. If you ever have questions or concerns, don’t hesitate to contact us directly.
Don’t fall for fraud — stay vigilant and protect your accounts!
Wright-Patt Credit Union® (WPCU®) is seeing a rise in fraudulent text messages falsely claiming to be from WPCU. These messages often warn of a pending or suspicious transaction and prompt you to click a link to verify your account.
Do not click on any links in these messages. These are scams designed to steal your personal and account information.
WPCU will NEVER text, call, or email you unexpectedly to ask for:
If You Receive a Suspicious Message:
No matter how legitimate or urgent it may seem, do not:
What You Should Do Instead:
Spot the Signs: Protect Yourself from Scams
Staying alert is your best defense. Watch for these red flags:
For more tips on fraud prevention and cybersecurity best practices, visit: WPCU.coop/StopFraud
An alarming and sophisticated new scam is actively targeting and emptying the savings accounts of seniors (and others) across America. It's called the "Phantom Hacker" scheme, and it's particularly deceptive because it uses artificial intelligence to make it even more convincing.
This fraud unfolds in three parts, designed to gain your trust and access your accounts:
The Phantom Hacker scam diagram courtesy of FBI Public Service Announcement
Why This Scam is Harder to Spot
Scammers are using AI to make their schemes more effective than ever. They can:
For more detail the “Phantom Hacker” scam, check out this Public Service Announcement put out by the FBI.
How to Protect Yourself
As your trusted financial partner, we urge you to be vigilant. Remember these key protective measures:
Your security is our priority. By staying informed and cautious, you can help protect yourself and our community from these sophisticated scams.
Members should be on the lookout for deceptive schemes related to Uniform Commercial Code (UCC) filings. Scammers are sending misleading solicitations—by mail and potentially online—that offer to "obtain and mail a hard copy" of various state forms for a fee (generally around $100)— documents that can be obtained for free from the state.
Example of a fraudulent Ohio UCC Request.
Although the communication appears official, this is a somewhat dubious and deceptive practice.
These misleading, yet very official-looking letters and emails are not from any government agency. Again, the forms they are referencing are available for free on the Ohio Secretary of State’s website at https://ucc.ohiosos.gov .
If you receive a similar suspicious solicitation, do not pay. You can report it to the Ohio Secretary of State's office by emailing [email protected] or calling 877-767-3453 (877-SOS-FILE).
If you are an Ohio business owner, you can also find more information about other deceptive schemes and scams here: Important Warnings For Ohio Businesses - Ohio Secretary of State
At Wright-Patt Credit Union, we're dedicated to helping you protect you, your family, your money and your business from fraud. Please stay vigilant and always verify official-looking communications.
Once again, we’re seeing a rise in fake texts claiming to be from Wright-Patt Credit Union ® . These fraudulent texts claim that there's a pending or suspicious transaction on your account and ask that you click a link to verify.
Do not click on any links in these text messages! It’s a scam designed to steal your personal or account information. Don’t fall for it!
Remember, WPCU will NEVER text, call, or email you out of the blue asking for your password, PIN codes or personal/account information.
If you receive a text, call or email appearing to be from Wright-Patt Credit Union, no matter how legitimate, convincing or urgent the request is, do not do any of the following:
As always, when in doubt, reach out to us directly. Delete the text or hang up the phone immediately and call Wright-Patt Credit Union at (937) 912-7000 or (800) 762-0047 or visit our website at WPCU.coop to log into Online Banking.
Spot the Signs: Protect Yourself
Staying vigilant is your best defense against these scams.
For more fraud and cybersecurity tips and best practices, visit WPCU.coop/StopFraud .
We have received multiple reports that Wright-Patt Credit Union® cardholders—and credit and debit cardholders in general—are being targeted by fraudulent phone calls asking for sensitive account information.
Scammers are contacting members claiming there is fraudulent activity on their account and that a new card is being expedited to them. As part of this fake process, they are asking for key account information, such as the last 8 digits of your card number, the CVV code, and the expiration date.
Remember, Wright-Patt Credit Union will NEVER call you out of the blue or unsolicited and ask for this type of detailed card information.
If you receive a call, text or email asking for your card details—or any personal or account information.
If you are unsure or concerned about potential fraud on your account, always contact Wright-Patt Credit Union directly using the official phone numbers listed on our website or your account statements: (937) 912-7000 or (800) 762-0047.
You can also log in to your Online Banking account at WPCU.coop to review your transactions.
Protect your information and remain vigilant! Share this warning with others.
We are seeing a rise in fake texts from fraudsters claiming to be from Wright-Patt Credit Union ® .
The scammers will often ask you to click a link to dispute or to verify charges. They will use urgent, often alarming language to scare you into thinking your account has been compromised. Don’t fall for it!
Remember, WPCU will NEVER text, call, or email you out of the blue asking for your passwords, PIN codes or personal/account information.
Delete the text or hang up the phone immediately and call Wright-Patt Credit Union directly at (937) 912-7000 or (800) 762-0047 or visit our website at WPCU.coop to log into Online Banking.
Fraudsters are good at two things: Pretending to be someone they’re not—and stealing your money and even your identity. Their favorite tools? Using fake texts, calls, or emails disguised as legitimate sources like your credit union.
These scams can be incredibly convincing, but don't worry! By understanding how they work and recognizing the red flags, you can stay safe. Here's a few tips to help keep your money safe.
These crafty and unscrupulous fraudsters love to exploit your trust. They might:
Stay vigilant by looking for these red flags:
Remember, you're in control. Here's how to fight back:
Remember: If you receive a text, call or email appearing to be from Wright-Patt Credit Union, no matter how legitimate, convincing or urgent the request is, do not do any of the following:
New year. Same old scams. Members have reported seeing a rise fake calls and texts from fraudsters claiming to be from Wright-Patt Credit Union® (WPCU).
The scammers will often ask you to click a link to “accept or reject” fake charges or to verify account credentials, as well as other tricks to steal your private information—and your money. They will use urgent or alarming language to scare you into thinking your account has been compromised. Don’t fall for it!
Example of fraudulent WPCU text:
Fraudsters are at it again, targeting Wright-Patt Credit Union members as well as those of other financial institutions with fake text messages.
In the texts, the scammer "warns" members about someone logging in to their account from an unrecognized device and instructs them to click a link to cancel. This is yet another variation of common text and email scams.
Remember, scammers use urgent and compelling language to trick members into clicking links in attempt to steal account and personal information. THIS IS A SCAM. Do not click links in texts. Do not give our your personal or account information. WPCU will never ask you to do this.
Here's an example of a recent fake text received by a member.
Remember, Wright-Patt Credit Union will NEVER text, call, or email you asking for personal or account information.
If you receive a text, call or email appearing to be from Wright-Patt Credit Union, no matter how legitimate, convincing, or urgent the request is, do not do any of the following:
Fraudsters continue to target Wright-Patt Credit Union members as well as those of other financial institutions. Now scammers are sending texts stating that the recipient's account has been “temporarily suspended." In the text, the scammer instructs the recipient to click on a link to restore their account. Below is an example of the text. This is a scam!
When clicking on the link, the recipient is taken to a fake website that appears to be a Wright-Patt Credit Union website and asked to enter personal and account information such as their name, account number, SSN, and online/mobile banking username and password.
Members have reported receiving fraudulent texts from the numbers below, but these are only just a few.
The fraudulent links in these texts often incorporate variations of the WPCU name (sometimes with nonsense words preceding the WPCU reference) in the website address to appear more valid, including:
These websites may also include the WPCU logo or elements of it (e.g., the biplane). Do not fall for these fakes.
Wright-Patt Credit Union will NEVER text, call, or email you asking for personal or account information.
Along with many other financial institutions, Wright-Patt Credit Union is continuing to see a rise in fraudulent attempts to gain unauthorized access to member accounts. Fraudsters are contacting members via text messages and phone calls falsifying information to make it appear the texts and calls are from Wright-Patt Credit Union.
Below are examples of some of the texts members have received:
When clicking on the link in the first example above, the member is taken to a fake website that appears to be a Wright-Patt Credit Union website. The website looks like the site below. Upon entering their username and password, members are then asked to enter their Social Security number and full debit and/or credit card number.
If you receive a text, call or email appearing to be from Wright-Patt Credit Union, do not do any of the following, no matter how legitimate, convincing, or urgent the request is.