Scammers grow more sophisticated every year—and 2026 is no exception.
At MMFCU, we are committed to helping you stay informed so you can protect your money, identity, and peace of mind. Here are the top scams affecting consumers today and how to stay safe.
IRS‑Related Scams
Tax season brings a surge of fraudulent emails, texts, phone calls, and fake IRS websites designed to steal personal information like Social Security numbers and bank details.
Common Red Flags:
- Messages claiming a "refund issue" that ask you to verify information through a link.
- Aggressive robocalls threatening arrest or legal action.
How to Protect Yourself:
- Never click links in unsolicited IRS messages.
- The IRS will contact you by mail first.
- Verify concerns only through IRS.gov.
Romance Scams
Fraudsters often build emotional connections through online dating apps or social media before requesting money.
Warning Signs:
- Claims of overseas work or military deployment.
- Sudden "emergencies" requiring financial help.
- Pressure to move conversations to private apps.
- Requests for gift cards, crypto, or wire transfers.
- Refuse to video chat or meet in person.
Safety Tips:
- Never send money to someone you haven't met in person.
- Reverse‑image‑search profile photos to check authenticity.
- When unsure, consult a trusted friend, or family member—or contact us.
Fake Auto Dealer Scams
Fake online dealerships use low prices, stolen photos, and cloned websites to trick buyers into sending irreversible wire transfers for cars that don't exist.
Red Flags:
- Prices seem too good to be true.
- Poor‑quality or limited photos.
- Sellers refusing in‑person inspections and pushing for quick payment.
- No verifiable physical address or website inconsistencies.
How to Stay Safe:
- Inspect the vehicle yourself or use a trusted mechanic.
- Research the dealer—verify their address and phone number.
- Avoid wire transfers, crypto, or gift cards.
- Request the VIN and run a Carfax or AutoCheck report.
Lottery Scams
Lottery scams are increasingly sophisticated, preying on dreams of instant wealth.
Watch for These Red Flags:
- Unsolicited emails or messages that claim you've won a prize.
- You won a prize for a contest you did not enter.
- Ask for personal or account information to claim your "winnings."
- Ask for payment in gift cards, wire transfers or crypto in order to receive your prize.
How to Stay Safe:
- If you think it might be real, verify it by checking the lottery or organizations website.
- Never sent them money in order to receive your prize.
- Check online if there are others that have received similar messages.
- If you don't recognize the phone number or weren't expecting the email, and it feels too good to be true it probably is.
If You Suspect a Scam
- Report to the FTC at ReportFraud.FTC.gov
- Notify your state Attorney General and the Better Business Bureau.
- Contact MMFCU at (218) 829-0371—we're here to support you.
- Visit our Fraud Center for ways to protect yourself or find additional tips if you feel you have been scammed.
Stay Financially Well, Stay Alert
With awareness and smart habits, you can stay one step ahead of scammers. At Mid Minnesota Federal Credit union, we are here to help protect your financial well‑being every step of the way. For questions, please visit us at mmfcu.org, call or text at (218) 829-0371 or visit your local branch.
Information referenced from:
- IRS.gov; What to Know About Romance Scams, Federal Trade Commission, 2026;
- Romance Scams, Federal Bureau of Investigation, 2026,
- Fake Auto Dealers Lure Buyers with Spoofed Online Ads, TruStage RISK Alert, January 29, 2026.