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Identify and avoid scams that target USAA members.

Imposter scams are common.
 

Financial institutions, including USAA, are seeing an increase in imposter fraud scams.

In these scams, fraudsters pose as USAA employees and use what looks like a USAA number to call and text members. They may ask you for your password, PIN, one-time code or other logon information.

Be on the lookout.

We’ll never contact you and ask for these details. We also won’t ask you to download software, delete your USAA app or forward your calls to another number. 

If you've given any information through this type of call or text, call us immediately at 800-531-USAA (8722).

Some types of imposter scams

Phishing Scams

Emails are a common way people get phished. Look for unusual links, misspellings and requests for personal information.

Military Romance Scams

Imposters may create fake social media or dating app profiles using pictures of military personnel. They may say they’re deployed and can’t meet in person, then ask you to send money.

Grandparent Scams

Imposters may pretend to be someone you know who needs your help, like a grandchild. Before sending money, check with your family by calling them directly.

Other scams to know about

Work-at-Home Scams

If you're ever asked to deposit a check and send money elsewhere, don't do it. Beware of anyone promising you high returns, low risk and "golden" opportunities. Read more about job scams.

Card Cracking

They’ll ask you to get money at an ATM and give you a check for much more. They’ll coach you to make a claim, so you get reimbursed. But their check is bad, and they've seen your PIN.

Tips to help avoid scams and stay secure

Keep a close eye on your accounts, respond to fraud alerts and report unauthorized transactions right away.

Recognize pressure tactics.

Scammers may create a false sense of urgency, like telling you you're late with a payment or your benefits will end. We'll never call to request logon details or personal information.

Trust your gut.

If you think the person who called, texted or emailed you is an imposter, stop and call the person directly. If it’s a bank or business, call the number listed on their trusted website or on the back of your card.

Don't respond to unsolicited messages.

Ignore and delete random texts and emails that ask you to click a link or provide personal information. Don't ever click links from untrusted sources.

Be a smart sender.

Never send money to someone you don't know in real life, especially through third party services like Zelle®, Venmo and Cash App. Don't send gift cards. Legitimate businesses will never ask for a gift card.

What to do if someone contacts you posing as USAA

We have sophisticated security in place, but we're most effective in fighting fraud when we work together. You should monitor your account regularly and strengthen your logon security.

Call us if you gave out any information.

If you received a call or text and provided any personal information, like your password or other logon information, call us immediately at 800-531-USAA (8722).

Report an unusual call, email or text.

If you didn’t give out any info but want to report an unusual call, text or email, send an email to abuse@usaa.com. Include the phone number and details about the call or message.

Protecting against fraud 24/7

As a USAA member, you're automatically enrolled in our security and fraud alert program. If something seems unusual, we'll send you an alert.‍ ‍ See note 1

You should also report fraud, identity theft, lost cards or any other unusual activity.

Identify and avoid scams FAQ

If you notice any unusual activity, let us know immediately by calling 800-531-USAA (8722). Or you can read how to report fraud online

You won’t be responsible for any unauthorized charges on your credit card‍ ‍ or debit card‍ ‍ that you report to us.