"I got a text from Dupaco. Is it real?"
"Did Dupaco really call me about fraud?"
"Why did I receive a postcard about my mortgage?"
"Is this email from Dupaco a scam?"
If you've asked yourself any of these questions, you're not alone.
Scammers have become increasingly skilled at making emails, texts, phone calls and even mailings look real. They often use real company names, familiar logos and convincing stories to create a sense of urgency.
The good news? You don't need to be a fraud expert to spot the warning signs. Here's what to know when someone claims to be Dupaco—and what to do before you respond.
Scammers want you to feel one thing above all else: Urgency.
They might claim:
The message may arrive by:
While the details change, the goal is usually the same: Get you to act before you have time to think.
Scammers often rely on what's known as amygdala hijack, triggering fear, urgency or panic so you react emotionally instead of slowing down to verify the situation.
Take a breath. Slow down. Verify first.
When something feels off:
Instead, contact Dupaco using a phone number or website you know is legitimate.
A quick phone call can save hours—or even months—of dealing with fraud later.
Dupaco may communicate with members through:
But no matter how we may contact you, there are certain things we'll never ask you to provide.
Whether you're looking at an email, answering a phone call or reading a letter, these questions can help you quickly spot a potential scam.
Scammers often pressure people to act immediately.
Common examples include:
Legitimate organizations may communicate deadlines. Scammers use pressure to keep you from stopping to think.
Be cautious if you're being directed to:
Always navigate directly to Dupaco.com or call a trusted phone number yourself.
This is one of the biggest red flags.
Dupaco will never ask for:
As Jim Bemboom, assistant vice president, card services at Dupaco, puts it:
"Giving out your PIN is like giving someone cash. We will never ask for that."
If anyone claiming to be Dupaco asks for this information, stop the conversation and contact us directly.
You’re the only one who can change your PIN. If you’ve shared your number, you should immediately change it. Call Dupaco at 800-373-7600 for steps on how to do so.
This is a common question we hear.
Unfortunately, scammers sometimes pretend they're calling to help you protect you from fraud.
Through a tactic called caller ID spoofing, fraudsters can make it appear as though they're calling from a legitimate phone number—even a Dupaco number.
They may claim:
Then they begin asking questions.
“They make it look like they’re verifying your recent card transactions because they logged into your account with your password," Bemboom said.
Remember: Dupaco will not ask for your PIN, online banking password or two-step verification code.
“Fraudsters will do their best to lull you into a sense of security to get you to let your guard down,” Bemboom said.
If you're unsure whether a fraud call is legitimate, hang up and call Dupaco directly at 800-373-7600.
Fraudulent emails and texts are often designed to look nearly identical to legitimate messages.
Before clicking any link:
Some mailings can appear surprisingly convincing because they reference information related to your mortgage, property or other financial accounts.
In some cases, companies use publicly available information to send mass mailings. In others, scammers may try to create a sense of urgency to get you to respond.
Be cautious if a mailing:
If you're unsure whether a mailing is connected to your relationship with Dupaco, contact us directly before responding.
First: You're not the first person this has happened to, and you won't be the last.
Scammers are good at what they do. But acting quickly may help limit the damage.
The sooner you act, the more options you may have to help protect your accounts.
Fraud trends change constantly, but these habits are always in style.
Avoid reusing passwords across multiple accounts. Learn how to create stronger passwords.
This adds an extra layer of protection if a password is compromised.
Transaction and login alerts can help you spot fraud quickly.
Check your eNotifier settings within Shine to make sure you're getting the alerts you want.
Regularly reviewing your credit can help you identify potential identity theft sooner.
Dupaco members can access credit monitoring tools and alerts right within Shine.
A few seconds of verification can prevent a major headache later.
When something feels urgent, that's often the best time to slow down.
That's exactly why we're here.
If someone claiming to be Dupaco contacts you—and something feels off—don't guess.
Call us directly at 800-373-7600 and we'll help you verify whether the communication is legitimate and walk you through next steps if it isn't.
Because protecting your money, your identity and your peace of mind isn't something you should have to figure out alone.