Beware of Postcard Scams: What You Need to Know

Email and text scams aren’t the only threats out there—old-fashioned mail scams are making a comeback. Scammers are now using postcards to trick people into sharing personal information or sending money. Here’s how these scams work, what to watch for, and how to protect yourself.

What Are Postcard Scams?

Postcard scams use misleading messages to get recipients to take action—such as paying fees, revealing sensitive details, or signing up for fake services.

Unlike phishing emails or texts, these scams arrive as physical mail. Because mail feels more “official,” people may be more likely to trust it without questioning its legitimacy.

Common Types of Postcard Scams

1. Lottery and Prize Scams
Claiming you’ve won a prize or lottery you never entered, these scams ask you to pay taxes or fees upfront.
Tip: Legitimate lotteries never require payment to claim winnings.

2. Debt Collection Scams
Fraudsters pose as debt collectors, demanding immediate payment for fake debts. They often use threats to pressure victims.
Tip: Always verify debts through official channels before paying.

3. Fake Government or Utility Notices
Postcards may claim to be from the IRS, Social Security, or utility companies, threatening service suspension or demanding payment.
Tip: Government agencies send letters, not postcards, and never demand instant payment.

4. Business or Investment Opportunities
“Too good to be true” offers for jobs, investments, or business ventures often aim to steal money or personal data.
Tip: If it sounds too good to be true, it probably is.

5. Phishing for Personal Information
Some postcards direct you to call a number or visit a website to provide sensitive details—leading to identity theft.

6. Fake Financial Institution Notices
Scammers may use your bank or credit union’s name and public info to appear legitimate.

Real Example: TwinStar Credit Union Scam

A recent scam targeted TwinStar Credit Union (now Peak Credit Union) members with a postcard stating:

“This notice is regarding your mortgage with TWIN STAR CREDIT UNION. We need you to call us about an important matter regarding this loan. This is time sensitive so please call us at 844-926-2556 as soon as possible.”

Red Flags:

• No official TwinStar logo
• Incorrect name format (“Twin Star” instead of “TwinStar”)
• Phone number not associated with TwinStar
• Disclaimer stating “Not affiliated with TWIN STAR CREDIT UNION”
• Confidential info (like mortgage ID) shown on a postcard—something we would never do

Warning Signs of Postcard Scams

• Unexpected mail from unknown organizations
• Urgent language or threats
• Requests for money or sensitive info
• Poor design, typos, or unofficial logos
• Suspicious return addresses

How to Protect Yourself

• Don’t respond or pay upfront for prizes or debts.
• Verify independently using official contact info.
• Look for official communications—serious matters rarely come via postcard.
• Report suspicious mail to the U.S. Postal Inspection Service.
• Shred sensitive mail before discarding.

If You’ve Been Targeted

• Contact your bank or credit card company immediately.
• Place a fraud alert on your credit report.
• Report the scam to law enforcement and postal authorities.
• Consider identity theft protection services.

Final Thoughts

Postcards may seem harmless, but scammers use them to exploit trust. Stay vigilant, verify before acting, and never share personal information unless you’re certain it’s legitimate.

If you receive suspicious mail claiming to be from Peak Credit Union, call us at (800) 258-3115 or visit your local branch. We’re here to help.