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Fraud & Scam Awareness

Unfortunately, more and more Americans have their identities stolen every year.  We strive to provide our members with information that may be helpful in preventing, detecting, and protecting against identity theft and other internet, mail, and telephone scams. Emerald Credit Union will never request personal information about our members by email or text messaging.  Personal information includes account numbers, passwords, personal identification information, or any other confidential information.

January 2018

Exercising, eating healthier, and getting in better shape always top the list of New Year's Resolutions.  However, throughout 2017, the Ohio Attorney General’s Office received about 140 complaints involving gym or health club memberships. The top problem areas included membership cancellation and billing issues.  To help consumers avoid problems, Ohio Attorney General, Mike DeWine, offered the following recommendations:

  • Research the gym.  Look for complaints on file with the Ohio Attorney General’s Office or Better Business Bureau, and check online reviews for feedback from current or past customers.  Pay special attention to how the business addresses customer complaints.
  • Read contracts carefully.  Make sure verbal agreements are put in writing.  Otherwise, they are not guaranteed.
  • Watch out for extra fees.  Determine the total cost of your membership.  Find out if there are any extra fees for services like fitness classes or personal training.  Also find out if payments will be withdrawn automatically from your account, and if so, when they will be withdrawn.
  • Check the cancellation policy.  Understand what you will need to do if you wish to cancel your contract and how far in advance the cancellation must be made.  Many contracts renew automatically, so be sure to check the total length of the contract.  It should not exceed three years, according to Ohio law. 

Please use the links below to learn more about other common types of fraud and scams.

Online Banking Security

Banking Scams

Telephone Scams

Charity Scams & Ticket Scams

Investment Scams & IRS Imposter

Tax-Related Identity Theft & Census-Related Fraud

Lottery or Sweepstakes Scams & Pyramid Schemes