Caller ID Spoofing Scams
Scammers will try anything to trick you into thinking they are legitimate callers. One of the latest scam techniques involves “spoofing” a phone number. Spoofing a phone number means that when a scammer calls you, it appears on your caller ID that they are calling from a familiar number. For example, scammers can use software that makes it look like your bank or credit union is calling you, leading you to believe the call is trustworthy.
Such calls almost always begin with the caller asking you to "verify" your account information. Never provide or confirm personal or financial information during any call that you didn't initiate. Gulf Winds will never call you requesting personal, private information. If you receive a call that appears to be from Gulf Winds – or any other financial institution – that raises suspicion, please give us or your other fianancial institution a call directly.
The Federal Communications Commission (FCC) provides the following tips to avoid this scam:
- If you receive an unsolicited or automated call from a company offering to lower your interest rate, don't hang on, hang up.
- Never provide or confirm personal or financial information during any call that you didn't initiate.
- Never respond to "yes or no" questions or push any phone buttons if prompted to opt-out of future calls. Scammers use these tactics to identify live phone lines, and the number of calls to your line may increase as a result.
- Even if you think your card issuer is calling, or texting, about suspected fraud activity associated with your account, do not respond. Simply call the number on the back of the credit card in question or on your account statement to be sure it's really your credit card company trying to reach you.
- If you are interested in a lower interest rate on your credit card, reach out directly to your credit card issuer.