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Other common scams

Account Update Scam

What to watch for:You receive an email with a message from the “System Administrator” requiring immediate maintenance on your account or to verify account information.

How to protect yourself: If the email contains a link, do not click on the link, then delete the email.

Child Identity Theft

What to watch for: Thieves use a child's Social Security number to apply for government benefits or a loan, open bank and credit card accounts, or rent a place to live. Kids are attractive targets because a child’s record is essentially a clean slate and it can take years before the theft is discovered.

How to protect yourself (and your child): Regularly monitor your child’s identity by requesting a credit report. If you suspect your child’s information is being misused, take immediate action.

Credit Repair Scam

What to watch for: You are contacted by a company that promises a “new credit identity”. The company will provide you with a nine-digit number which they may call a CPN — a credit profile number or a credit privacy number. This looks much like a Social Security number. If you use this number, you risk committing fraud, which can mean fines or time in prison. It is a federal crime to lie on a credit or loan application, misrepresent your Social Security number or obtain an EIN from the IRS under false pretenses.

How to protect yourself: Never provide personal information over the phone or online unless you have initiated the contact. If you are unsure of the legitimacy of the request, contact the requestor directly by entering the organization’s website URL directly into your browser’s address bar.

Dumpster Diving

What to watch for: Dumpster Diving describes when criminals sift through the trash of businesses or residences to acquire confidential and financial information about consumers.

How to protect yourself: Always shred any documentation containing sensitive or financial information. If you suspect your identity has been stolen, call Cadence Bank and your credit card issuers immediately so they can begin work on closing your accounts and clearing your name.

Free Credit Report Scam

What to watch for: Most “free credit report” emails are scams. Criminals seek to obtain Social Security numbers and other personal or financial information.

How to protect yourself: Inquire with the Better Business Bureau about the company. Always be cautious if you did not initiate the inquiry for a credit report. Cadence will never ask for your personal information via email. The only legally authorized source for free credit reports is sends e-mail).

IRS Refund Scam

What to watch for: You receive an email telling you the IRS has a refund for you.

How to protect yourself: Do not respond to the email. Better still, do not open the email at all to read the contents, and delete it.

Nigerian Scam

What to watch for: You receive an unsolicited email (or letters) offering something of value for assistance in transferring millions of dollars to a U.S. bank (usually a percentage of the money transferred). These are always scams.

How to protect yourself: Do not respond, and delete the email.


What to watch for: Criminals have targeted some stand-alone ATMs or retailers’ point-of-sale machines for “skimming” scams. They rig the “swipe” machine with a device that can capture the magnetic stripe and keypad information. A store employee or server completes a valid sale, and then captures a second unauthorized swipe on a portable device before returning the card to the cardholder.

How to protect yourself: If an ATM looks suspicious and has a discolored card reader or an unresponsive keypad, do not use it. Instead use another machine. Regularly check your monthly statement for unusual withdrawals. Use your hand or body to shield the ATM keypad as you enter your PIN. Never give your PIN number to anyone who does not share your account (not even family members).

Visa®/Mastercard® “Unusual Activity” Scam

What to watch for: You receive a call from someone claiming to be a customer service representative from Visa or MasterCard (or any other credit card). The criminal will say they have noticed unusual activity on your account, and typically will ask for the three-digit security code found on your card.

How to protect yourself: Never provide your personal or credit card information unless you have initiated the contact. If you are uncertain of the validity of the call, contact your bank or the issuer of your credit card.

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