Protect Yourself & Your Accounts


Over the past several months there has been an increase in fraud countrywide. Unfortunately, anyone can fall victim. This past week, one of our members experienced caller ID spoofing. Caller ID spoofing is when someone calls you and poses as a legitimate business or government agency to obtain your personal information.

The ALLIANCE member who received the call said the gentleman posed as a detective and said someone was attempting to open accounts in her name. The phone call came from the City of Lubbock. The fake detective said that he wanted to help her catch the person trying to open the accounts and asked if he could bring her copies of all the paperwork he had. He then stated that he will have the ALLIANCE fraud department contact her to confirm the attempted fraud. A lady posing as an ALLIANCE representative called our member and the caller ID came up under ALLIANCE CU. Our member asked the lady to call her husband about the matter, but the fake ALLIANCE representative did not know the husband’s phone number. That is when our member realized this was a scam. If it truly were ALLIANCE reaching out, they would have had her husband’s number on file. She immediately reached out to the police to report the incident and they told her that they were aware of this man. She was told by the police that he also likes to con people with his fake police uniform.

In this instance, our member did the right thing. She was skeptical about the call and decided not to give out any personal information. She then contacted the real police to report what was going on. If you have any doubts that you are talking to a real ALLIANCE employee, you can always hang up and call an official ALLIANCE phone number listed on our website. You can also contact us through our website using the chat feature in the bottom right hand corner of the screen.

Best ways to protect yourself against fraud:

One of the best ways to protect yourself is to monitor your credit. is a safe and reliable website where you can check your credit from all three credit reporting agencies: Equifax, Experian, and Transunion. To monitor suspicious activity on your credit report, you want to see if there are any accounts listed that you did not open. You can check once every week.

Another way to protect yourself is to monitor your online banking activity. You want to look for fraudulent purchases. Often, fraudsters make small purchases to see if the account is active, so do not disregard purchases under $10 that you do not remember making.

Lastly, be wary of suspicious emails. When you get an unsolicited email, check to see if there are any spelling errors. Typically, scammers do not know how to spell. Another thing to look for is how they address you. If the email starts with “Hi Dear”, know that no government agency or company is going to address you that way.


When in doubt, contact ALLIANCE directly by calling 806.798.5554 or by messaging us using the chat feature on our website.

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