In Focus – SCCCU Blog

Your vacation may be over, but scammers don't take time off. In fact, the days and weeks after a trip can be one of the busiest times for fraud. Criminals know travelers are checking credit card statements, looking for hotel receipts, waiting for airline updates, and expecting package deliveries. They use that opportunity to send fake texts, emails, and phone calls that appear completely legitimate.

Here are some of the most common vacation recovery scams and how to avoid becoming the next victim.

#1: Fake Toll Road Texts

Did you drive on toll roads during your trip? Scammers are counting on you not remembering every toll plaza you passed. You may receive a text claiming you owe a small toll balance and warning that additional fees will be charged if you don't pay immediately. The link takes you to a fake website designed to steal your payment information and personal data. Protect yourself by:

• Never clicking payment links in unexpected text messages.
• Visiting the toll agency's official website directly.
• Verifying any outstanding balance before making a payment.

#2: Fake Hotel or Airline Refunds

Scammers often send emails claiming there's a problem with your reservation or that you're owed a refund. The email may include official logos and branding, making it look authentic, and the message may ask you to verify your payment information or log in using a provided link. Protect yourself by:

• Logging in directly through the company's website or mobile app.
• Calling the hotel or airline using a phone number from its official website.
• Never providing personal information through links in unsolicited emails.

#3: Delivery Notification Scams

After returning home, many people are expecting online purchases or souvenirs to arrive. Fraudsters know this and send fake delivery notifications claiming your package is delayed or requires a small payment before it can be delivered. These messages are designed to capture your credit card information or install malware on your device. Protect yourself by:

• Tracking packages through the retailer or shipping company's official website.
• Ignoring unexpected delivery requests asking for payment.
• Avoiding links in unsolicited texts or emails.

#4: Review Your Accounts

One of the smartest things you can do after returning from vacation is review your financial accounts. Look for charges you don't recognize, duplicate transactions, or small purchases you didn't make. If something doesn't look right, report it immediately.

Stay Alert While You're Unpacking

As you transition back to everyday life, don't let your guard down. Scammers often target travelers after they've returned home, hoping you'll respond without a second thought. Before clicking a link, sharing personal information, or making a payment, take a moment to verify the request. If you're unsure, contact us at 831-425-7708 — we're always happy to help you stay one step ahead of fraud.