RBFCU Aims to Increase Awareness of Rising Impersonation Scams

Scammers are pressuring victims via phone call to withdraw cash. RBFCU shares tips to stay safe.

LIVE OAK, Texas (June 5, 2026) — RBFCU is alerting members and the public to an increase in impersonation scams in which fraudsters spoof the phone numbers of financial institutions, government agencies or other trusted organizations to create a false sense of urgency.

Spoofing allows scammers to manipulate caller ID so a call appears to come from a legitimate number, even when it does not. In many cases, scammers claim a consumer’s money is at risk and pressure them to withdraw large amounts of cash and hand it off in unusual ways, including through rideshare pickups or other courier-style exchanges.

Often, the impersonation scammers claim that the member’s account has been compromised and request credentials under the guise of assisting with a refund. In other scenarios, they falsely allege that RBFCU employees are involved in fraudulent activity and instruct members to withdraw their funds to “move them to a safer location.”

Artificial intelligence is making these scams even more believable, allowing scammers to mimic natural speech patterns, personalize conversations and in some cases, replicate a familiar voice to build trust faster.

“Scammers are using AI to make their calls sound more polished, more personal and more convincing, which can make it harder for consumers to recognize red flags in the moment,” said RBFCU Central Operations Senior Vice President and fraud expert Brian Munsterteiger. “That’s why it’s so important to slow down, verify independently and never act on pressure alone.”

RBFCU’s Enterprise Fraud Team is actively working to thwart fraudsters who are impersonating RBFCU. The credit union is currently seeing a significant increase in sophisticated scams where fraudsters spoof RBFCU’s phone number (210-945-3300, or 1-800-580-3300) to gain members’ trust. Impersonation scams confirmed by RBFCU have increased by an average of 100 additional cases per month in the second quarter.

As a financial institution committed to supporting underbanked members and providing financial education to underserved and at-risk populations, RBFCU understands that the harm caused by these scams goes beyond dollars lost. Older adults are often among the hardest hit, and while individual case counts may seem small, the impact on this vulnerable group can be devastating because many do not have the financial resources to recover.

“Scams that impact seniors can often drain savings individuals have spent their entire lives working to build, resulting in significant impacts on quality of life and independence for those affected,” said RBFCU Central Operations Senior Vice President and fraud expert Brian Munsterteiger.

According to the FBI’s Internet Crime Complaint Center (IC3), phishing and spoofing remained the top cybercrime category reported in 2024, based on 859,532 complaints submitted to IC3, while reported losses across all internet crime exceeded $16 billion. In 2025, the Federal Trade Commission said impersonation scams remained the top fraud reported to the agency, with consumers reporting nearly $3 billion in losses to impersonators in 2024. The FTC also warned that caller IDs can be faked and consumers should not trust an incoming phone number simply because it appears to be from a bank, government agency or other legitimate organization.

RBFCU recommends these tips, to help consumers protect themselves and their loved ones from phone impersonation scams:

1. STOP. THINK. VERIFY. DENY any sign-in alert you did not initiate. NEVER approve a transfer you did not authorize. If someone claiming to be RBFCU asks you to share a code, provide your username and password so they can access your account, transfer money or click a link, stop and verify through a trusted source.

2. Know what RBFCU will never ask you to do. NEVER share your sign-in information, including passwords, answers to security questions, multifactor authentication (MFA) codes, MFA recovery codes or one-time passcodes (OTP) with anyone, including RBFCU employees. NEVER share personal information such as your account, credit card, debit card or Social Security numbers in response to an unsolicited call, text or email.

3. Don’t trust caller ID. Trust the number only if you dial it yourself. NEVER click links in unsolicited texts or emails. VERIFY any call claiming to be from RBFCU by hanging up and calling 210-945-3300 or 1-800-580-3300 directly.

4. Slow down urgent requests. Scammers use urgency to pressure quick action. If a caller says your money is at risk, demands immediate action or tells you to withdraw cash — pause. Do not send money, withdraw funds or follow instructions until you verify the claim with RBFCU or another trusted source.

How to report an impersonation scam:

If you receive a suspicious call, voicemail, text or email requesting money, account credentials or personal information, end the conversation and verify it independently.

  • Contact the organization directly. Use a phone number, website or email address you know is legitimate. If you’re unsure, check your statements or the back of your cards for contact information. Do not rely on caller ID or contact information in an unexpected call or message.
  • Report it to the FTC at ReportFraud.ftc.gov. This helps investigators track trends and warn the public.
  • Report it to the FBI at IC3.gov if you shared information, sent money or believe you were targeted.
  • If the message appears to be from RBFCU, do not respond or send money. Contact RBFCU directly using the phone number on your card or the official website, which is rbfcu.org. Never share online banking credentials, one-time passcodes, security codes or device approvals. Never withdraw cash or move money to “protect” it.

For additional information on all financial fraud scams, please contact Victoria Young at vyoung@rbfcu.org. RBFCU fraud experts are available for interviews.

About Randolph-Brooks Federal Credit Union

Established in 1952, Randolph-Brooks Federal Credit Union is a full-service financial cooperative whose mission is to improve members’ economic well-being and quality of life. With assets exceeding $19 billion, RBFCU serves more than 1.1 million members at 65 branches throughout Texas, and online at rbfcu.org and the RBFCU Mobile® app.

Media Contact

Victoria Young, Marketing Communication Senior Specialist
vyoung@rbfcu.org