Artificial intelligence is changing the world – but not always for the better. Scammers are now using AI to impersonate people, create fake messages, and even mimic voices to trick you into giving away money or personal information. These scams are becoming more sophisticated, and relaying on traditional “proofs” like a familiar voice is no longer safe.

Quick stats: These AI voice-cloning scams work so well that a recent McAfee survey finds 77% of victims ended up on the financial hook, with nearly one-third losing more than $1,000.

How AI Scams Work

AI scams can take many forms, but the common goal is always the same: to manipulate you into acting quickly, often without thinking.

• AI Voice Impersonation – scammers can now use AI to imitate a friend, family member, or even a boss. These voice clones are realistic enough to convince people to transfer money, click on an unsafe link, or share sensitive information.
• AI-Generated Communications (Text/Email) – AI can create messages that sound completely legitimate, mimicking the tone and style of someone you know or a trusted organization. These messages often ask for urgent action, like confirming an account, making a payment, or clicking a link.
• Deepfake Video Scams – some scams now involve AI-generated videos showing a trusted person asking for help or making urgent requests. Even seeing someone “live” on a video call isn’t always proof – AI can simulate real-time gestures and speech.

Red Flags to Watch For

• Unexpected requests for money, passwords, or personal info
• Messages or calls creating a false sense of urgency
• Requests to use unusual payment methods (gift cards, cryptocurrency, wire transfers)
• Slightly “off” phrasing, voice tone, or timing that feels unnatural
• Messages from trusted people that don’t match their normal communication habits
• Grammar errors

Tips to Protect Yourself

1. Verify Independently – if someone asks for money or sensitive info, contact them directly through a known & trusted method. Don’t rely solely on the voice, video, or message – it could be AI-generated. Call the family member, friend or company directly from a number you know or google search the company and find their phone number on their website.
2. Slow Down & Think – scammers can use urgency to put you at risk of making sensitive decisions quickly. Don’t rush! Take the time to think through the request and consider whether the call, text or email is real.
3. Be Cautious of Links – never click on links in text messages, unless you’re certain of the source.
4. Protect Your Accounts – use strong, unique passwords, enroll in push notifications, enable two-factor authentication, and ensure your financial institution has your up-to-date contact information.

Key things to keep in mind:

Heritage Grove will never call, email or text asking for sensitive information, such as:

• Login credentials
• PIN
• Full SSN
• Debit/Credit card numbers
• CVV code
• Code Word

• Always access digital banking from Heritage Grove’s website or mobile app.
• Be suspicious of communications asking for sensitive information – don’t provide personal information.
• Create a unique code word with family or friends that is only used for emergency situations.

If you think you are a victim of a scam:

• Don’t be afraid or embarrassed – scams and fraud happen often, and we are here to help you.
• Contact your financial institution immediately – the sooner you let them know, the easier it is to help you with your accounts and loans.
• Monitor your credit – enroll in our free Credit Score Solution within our digital banking and review your credit score and report periodically. You can also receive free credit reports once a year from annualcreditreport.com.
• If you think someone might be using your personal information – you can report it at ftc.gov.

AI Scams are no longer science fiction – they’re real, sophisticated, and increasingly convincing. A familiar voice, text, or video can no longer be taken as proof of identity. Stay vigilant in keeping your personal information and money safe. Questions? Call/text 503.588.0211 or email creditunion@ourgrovecu.com.

Read more fraud prevention posts:
Stolen Identity: How to Protect Yourself & Spot Warning Signs
Fraud Unmasked: How to Recognize and Avoid Common Scams
Fake Packages, Real Danger: Stay Protected