Fraud Watch January 2026: Start 2026 Fraud-Free

Fraud losses grew 25% from 2024 to 2025, according to the FTC. Fraudsters are always coming up with new ways to catch people off guard. Lately, we’re seeing more fake purchase alert texts, credit repair offers that promise fast results, and one-time passcode scams that try to trick our customers into sharing secure login codes.

These scams are designed to create panic and push quick decisions. Knowing what to watch for can help you stop fraud before it starts. Never forget to stop, think, and call before you act.

Attempted Purchase Text Scams

Attempted purchase text scams involve messages claiming there was a suspicious or declined purchase on your account and asking you to respond or click a link to “verify” the transaction.

These texts are designed to create panic so victims act quickly. When you reply or click the link, scammers may steal login credentials, payment information, or install malware on your device.

How to Protect Yourself:

• Don’t click any link or reply to any unexpected text.
• Check your account(s) directly using the official app or website to verify the claim. You could also contact Customer Care at (706) 453-2265.
• Report and delete the suspicious message to help prevent and protect future scams.
• Check for errors to spelling and grammar.

Spot Credit Repair Scams

Trying to improve your credit this year? Credit repair scams often prey on people who want to clean up their credit to reach their goals. Scammers take advantage by offering quick fixes that are illegal, impossible, or both. This often leaves scam victims worse than they were before.

How to Spot a Credit Repair Scam:

• Requests you to cease communicating with credit bureaus directly.
• The company doesn’t discuss your legal rights under the Fair Credit Reporting Act (FCRA).
• Refuses to provide written details; this is required.

How to Protect Yourself:

• Refuse upfront payment requirements.
• Consider free or low-cost credit counseling agencies instead, or contacting your creditor directly.
• Monitor your credit regularly through trusted sources.

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One-Time Passcode Scams

One-time passcode scams occur when fraudsters pose as banks or customers to trick people into sharing a security code sent to their phone or email. These scammers often create urgency by claiming there is suspicious activity on an account. Once the code is shared, the scammer can immediately access the account, change login details, and commit fraud.

How to Protect Yourself:

• Never share a one-time passcode. Real companies and banks will not ask for these over the phone.
• Pause and verify alert through official channels.
• Monitor your accounts regularly for unauthorized activity.