Is That Secret Shopper Check a Scam? Here’s How to Spot the Signs

Fraudsters are stepping up their game with counterfeit check scams, and it’s more important than ever to stay alert. We’ve seen reports of fake checks being used in scams related to secret shopper programs and other services, with some even made to look like official Priority Trust Credit Union checks. Remember—if something feels off, take a closer look and reach out for guidance.

How the Secret Shopper Scam Works

Scammers send unsuspecting individuals a counterfeit check through the mail, claiming it is a payment for participating in a secret shopper program. Recipients are instructed to:

1. Deposit the check into their bank account.
2. Keep a portion of the funds as their “fee.”
3. Use the remaining funds to purchase gift cards.
4. Send the gift card numbers and PINs to the scammer as part of their “evaluation” duties.

Once the check is deposited, it will eventually bounce, and the recipient is left responsible for the entire amount, including any related bank fees.

If you receive such an offer, DO NOT DEPOSIT THE CHECK.

How to Recognize a Fake Secret Shopper Check

Fraudsters use several tactics to convince individuals to deposit counterfeit checks. Be on the lookout for the following warning signs:

• Requests to purchase gift cards and send the codes after depositing a check.
  • Scammers may pressure you to act quickly before the check clears.
• Offers of “free money.”
  • If someone is offering you free money with no strings attached, it’s likely a scam.
• Being told you were selected as a secret shopper without prior application.
  • Legitimate companies do not send unsolicited offers requiring financial transactions.
• Winning a prize that requires purchasing gift cards as a condition to claim it.
  • Legitimate contests do not require winners to pay fees upfront.

What to Do If You Receive a Suspicious Secret Shopper Check

If you suspect you have received a fraudulent check, take the following steps:

1. Do not deposit the check.
2. Do not communicate with the sender.
3. Report the incident to Priority Trust Credit Union and your financial institution.
4. File a complaint with the Federal Trade Commission (FTC) or your local law enforcement agency.

Stay Safe and Avoid Fake Secret Shopper Scams

Fake check scams can happen to anyone, but by staying informed and recognizing the warning signs, you can protect yourself from financial loss. Priority Trust Credit Union is committed to keeping our members safe and informed.

If you have any questions or need assistance, please contact us at (713) 970-6200.