If it sounds too good to be true, it probably is. Fraud schemes come in a variety of ways. Participating can be a crime! Be aware so you can protect yourself.
As a result of the COVID-19 pandemic, many companies have employees working from home. Scammers can attempt to take advantage of this situation. It’s important to be aware of the red flags so you can remain secure.
“Get Rich Quick” or Employment Opportunity Scams
- Scammers will ask you to invest in a product, or to recruit people to help you sell a product that doesn’t exist. They’ll often ask you to deposit funds into your personal account and transfer a portion back to them while keeping a portion for yourself.
- Do not provide your online banking username or password to anyone promising a free/quick payday.
- If it seems too good to be true it probably is.
- With employment scams, “employers” will offer to deposit funds into your personal account for you to purchase equipment in order to do the job. These “funds” are not real, and you will be the one stuck having to pay it back to the bank.
Charity or Disaster Fraud Scams
- When natural disasters occur, fake charities or fundraisers become popular. Check with your state consumer protection office or BBB to make sure the charities are legitimate.
- Scammers create fake profiles on dating apps or social media. Then those scammers strike up a relationship with their targets to build trust. Later, they make up a story and ask for money.
Nigerian Letter/Email Scams (Alternative Title “419” Fraud)
- These emails offer the recipient an “opportunity” to share a portion of millions of dollars. The recipient is often asked to send information to complete the transaction, usually bank account numbers and other identifying information.
How to protect yourself
As a current Comenity Direct customer we will never contact you by email or text to request the following confidential information.
- Your account number
- Your online banking password
- Your Social Security number
- Your birthday
- Your address
However, if you initiate contact with us, we may ask you to verify confidential information, and certain requests may require a callback (this will NEVER include asking you for your password). Also, in some instances we may ask you to provide confidential information through the United States Postal Service or through secure messages via online banking.
Please remember if you are unsure or have concerns about any inquiry, call Comenity Direct Customer Care at 1-833-755-4354. DO NOT call a phone number in an email , text or phone message that is different from Comenity Direct Customer Care.
For more information about fraud schemes, or if you think you have been a victim or identity theft, please visit
This page and the information contained herein is for educational purposes only. The information is not intended to provide legal, investment, tax or financial advice or to indicate the availability or suitability of any product, service or strategy to your unique circumstances. For specific advice about your unique circumstances, you may wish to consult a qualified professional. Comenity Capital Bank and its affiliates (“Comenity”) assumes no liability for any loss or damage resulting from one’s reliance on the material provided. Any links to other websites are included for your convenience only. Comenity does not endorse any product or service and is not responsible for the accuracy or reliability of the information made available through such sites.