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Click, Scan, Scam: How Fraudsters Trick You Online

  • September 16, 2025

Click, Scan, Scam: How Fraudsters Trick You Online

At Monterra Credit Union, your security is important to us. Scammers are constantly finding new ways to trick people online, and some of the latest schemes use everyday tools like QR codes and social media, to steal money and personal information.

This month, we’re highlighting three of the most widespread scams circulating right now, how they work, and the steps you can take to protect yourself.

1. Fake QR Codes (Quishing)

QR codes are everywhere: on parking meters, restaurant menus, flyers, and even packages delivered to your home. Unfortunately, scammers have learned how to exploit this convenience.
How it works:
Fraudsters replace legitimate QR codes with fake ones, or send codes via text or email, leading unsuspecting people to counterfeit websites. These sites may look official, but they’re designed to steal login credentials, personal data, or even install malware on your phone.
Real-life example:
The Guardian recently reported a case where a driver scanned what appeared to be a parking payment QR code only to lose over $17,761/£13,000 to criminals. 
How to protect yourself:
  • Don’t scan QR codes from unknown sources.
  • Always check the web address that pops up before entering any information.
  • When possible, type the URL directly or use an official app (like your parking provider’s).

2. Romance & Investment Scams

Social media is designed to connect people but scammers use it to deceive. Romance scams, fake friendships, and fraudulent “investment opportunities” are some of the fastest-growing fraud types online.
How it works:
Fraudsters create convincing profiles with stolen photos, AI-generated images, or even cloned voices. They build trust over weeks or months, then introduce financial requests such as urgent help, an “investment opportunity,” or cryptocurrency trading.
Real-life example:
The FBI recently warned about criminals using AI voice cloning to impersonate family members in distress. In another case reported by People magazine, a woman was scammed out of $15,000 after a fraudster used AI to mimic her daughter’s voice. 
How to protect yourself:
  • Be cautious of new online connections who quickly become personal or ask for money.
  • If someone you know calls or messages with an urgent request, verify their identity through a separate channel (e.g., call their known number).
  • Remember: real investments don’t require secrecy or pressure.

3. Charity & Donation Scams

When disasters strike or causes trend online, scammers are quick to set up fake donation pages and fundraisers. These schemes tug at the heartstrings, but the money often goes right into a criminal’s pocket.
How it works:
Fraudsters pose as charities or individuals in need, sharing emotional stories and requesting contributions through social media, text, or crowdfunding platforms.
How to protect yourself:
  • Research charities before donating by using tools like Charity Navigator.
  • Donate directly through a charity’s official website, not links shared in social posts.
  • Be skeptical of strangers asking for money, even if their profile looks legitimate.

How Monterra Credit Union Can Help

If you suspect that you’ve been targeted or may have fallen victim to a scam, call us directly at (650) 363-1725 or stop by your nearest branch.  For more resources, visit our Fraud & Security Center and the Department of Financial Protection & Innovation for more information and resources.