AI-Powered Scams: The New Face of Fraud in 2026

Date: January 21, 2026
Category: Fraud Education

2026 has arrived, and so has a new era of fraud. Using artificial intelligence (AI), criminals can now carry out scams that are more polished, personalized and convincing than ever before. 

Unlike older scams with obvious red flags like poor grammar or generic messages, today’s AI-powered attempts can mimic real people and trusted organizations. One concerning trend is the impersonation of customer service representatives, including those from financial institutions like Wright-Patt Credit Union® (WPCU®).

We’re aware of these scam attempts, and we want to help you stay alert, informed and vigilant.  

Here are some smart ways to protect yourself from AI impersonators:

Chatting with a Chatbot: Real or Fake? 

Scammers are now creating fake websites that feature AI-powered “customer service” chatbots. While many companies use official live chat tools — including WPCU — these phony versions are programmed to steal your personal information. 

Here’s how to stay safe:  

  • Double-check the source. Look at the address bar: Are you on the company’s official website? If not, do not engage with a chatbot.  
  • Don’t overshare. Real company chatbots will never request access to your accounts or ask for your passwords, payment information or Social Security number via chat.  
  • Slow down. If a chatbot is making you feel rushed or pressured to act quickly, it’s a red flag.  

Receive a Suspicious Email? 

Scammers are also using AI to make phishing emails smarter and more personalized. You might receive an email that includes your name or mimics company branding. It could appear to come from your employer, or reference familiar places or purchases to trick you into clicking links or downloading attachments. 

Take these steps to protect yourself:  

  • Look at the sender's email address closely. Scammers will use slight differences, such as an extra period or “1” instead of “l”.  
  • Don’t click links or attachments from unfamiliar senders. You can hover over a hyperlink or button to reveal the true destination URL.   
  • When in doubt, contact the company or source directly. Don’t respond to the email.  

Deepfake Deception 

One of the most alarming AI trends is the use of “deepfake” audio and video scams. Using someone’s real voice and appearance pulled from social media or voicemail, scammers can conduct a fake call pretending to be a loved one, coworker or even your financial institution.  

The caller will use scare tactics, like threats of arrest, account suspension or family emergencies, to get their victims to act. Usually, they will request money or personal information.

Don’t fall for a deepfake: 

  • Stay calm. Scammers want their victims to panic and make quick decisions without thinking things through.  
  • When in doubt, hang up and call the source directly. 
  • Never transfer money via cryptocurrency or money wire.  
  • Consider creating a family code word or phrase to use in actual emergencies.  

Don’t Fall for Fraud in 2026: WPCU is Here to Help!  

WPCU actively monitors accounts for fraudulent activity, but staying alert and informed is your best defense against fraud.  

Remember: WPCU will NEVER text, call or email you asking for your password, PIN or personal/account information.  

If you think you’ve been a victim of fraud, call WPCU’s Member Help Center immediately at (800) 762-0047 or visit your nearest Member Center. We can help you protect and secure your accounts.