Don’t Be Fooled by Family Emergency Scams

A Guide for Parents

At Universal 1 Credit Union (U1), your safety matters to us—and that includes protecting you from scams that tug at your heartstrings. One of the most common schemes we’re seeing today is the “family emergency scam.”

Here’s how it works: You get a call, text, or message from someone claiming to be a loved one in trouble. Maybe it’s your grandchild, niece, nephew, or even a close family friend. They say they’re in an emergency and need money right away. To make the story sound real, they may even have someone pose as a lawyer, doctor, or police officer. The scammer will pressure you to act quickly—and keep it secret from the rest of your family.

By the time you realize it wasn’t really your loved one, the money is long gone.

How to Spot a Family Emergency Scam

Scammers know how to play on your emotions. They may even research you or your family online to make their story more convincing. Watch out for these red flags:

• The caller or sender says it’s urgent and that you’re the only one who can help.
• An “authority figure” (fake lawyer, doctor, or officer) joins in to add pressure.
• They insist you keep it secret and not tell other family members.
• They demand quick payment—often by gift cards, wire transfer, cryptocurrency, or money order.

What To Do If You Get One of These Calls or Messages

• Pause before reacting. Don’t send money right away.
• Verify the story. Hang up and call your loved one directly using a number you know is real.
• Check with someone you trust. Even if you’re told to keep it secret, talk to another family member or friend.
• Never send cash, gift cards, cryptocurrency, or money transfers. These are scammers’ favorite tools because the money disappears quickly.
• Report it. If you suspect fraud, visit ftc.gov/complaint or call 1-877-FTC-HELP.

At U1, we care about protecting more than just your finances—we’re here to help keep you and your loved ones safe. By staying alert and knowing the warning signs, you can stop scammers in their tracks.