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Routing #: 281277364

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Stay Safe from QR Code Scams on Instagram and Beyond

QR codes have revolutionized how we access information, make payments, and interact with businesses. Unfortunately, scammers have found ways to misuse QR codes, including on social media platforms like Instagram. At United Community Credit Union (UCCU), we want to help you stay informed and protected from these sophisticated scams.

 

What Are QR Code Scams?

A QR code scam happens when fraudsters use tampered or fake QR codes to direct unsuspecting individuals to malicious websites. These sites are designed to steal personal information, financial details, or even your identity.

One rising trend involves scammers creating fake Instagram accounts that look like legitimate local businesses. These accounts often post attractive offers or contests and provide a QR code for participants to scan. Once scanned, the QR code may lead to a phishing site that asks for personal information, login credentials, or even payment details.

 

Instagram QR Code Scams: A Closer Look

Scammers target Instagram users by mimicking real businesses with the following tactics:

  • Fake Business Pages: These pages use local-sounding names, authentic-looking photos, and stolen logos to appear legitimate.
  • Enticing Offers: Posts may promise discounts, free giveaways, or limited-time promotions. A QR code in the post or bio redirects users to a malicious website.
  • Phishing for Personal Information: The site may ask for your name, address, phone number, or payment details to “claim your prize.”

 

How to Protect Yourself from QR Code Scams

  1. Verify the Source:
    • Before scanning any QR code, confirm the legitimacy of the Instagram account. Look for verified accounts (blue checkmarks) and check the business’s official website or other social media profiles to cross-reference information.
  2. Inspect the Profile:
    • Be cautious of new or low-follower accounts claiming to be established businesses. Scammers often set up these fake accounts quickly and with minimal interaction.
  3. Be Skeptical of Offers:
    • If an offer seems too good to be true, it likely is. Avoid scanning QR codes related to giveaways or discounts without verifying their authenticity.
  4. Preview the Link:
    • Use a QR scanner app that shows the URL before opening it. Check the link carefully for misspellings, unusual domain extensions, or anything else suspicious.
  5. Report and Block:
    • If you come across a suspicious account or QR code, report the account to Instagram and block it to avoid future scams.

 

What to Do if You’ve Scanned a Fraudulent QR Code

If you think you’ve fallen victim to a QR code scam, act quickly:

  1. Stop Using Compromised Accounts:
    Change your passwords immediately for any accounts you accessed after scanning the code. Use strong, unique passwords for each account.
  2. Monitor Your Financial Activity:
    • Regularly check your bank and credit union accounts for unauthorized transactions.
  3. Contact United Community Credit Union:
    If you think your UCCU account may be compromised, contact us right away.
    • Phone: 217-224-1093
    • Find a Branch Closest to You: Click Here
  4. Report the Scam:
    Notify the Federal Trade Commission (FTC) at www.ftc.gov and report suspicious websites or accounts to Instagram.

 

UCCU: Here to Help

United Community Credit Union is dedicated to protecting your personal and financial information. Stay vigilant and informed to avoid falling victim to these scams. For more tips on staying safe, visit myuccu.com or reach out to us for assistance.

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