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SCAM ALERT: Lapse of Home Warranty Coverage Letters from American Home Protect, LLC.

3Rivers members have reported receiving letters in the mail urging them to call a number about a time-sensitive matter on their mortgage. To their credit, something didn’t seem right. We've reviewed copies of these letters and can confirm that this is a scam.

What do these letters look like and what do they say?

These letters appear to come from American Home Protect, LLC. and contain the line "RE: Three Rivers Fcu, Purchase Date... Potential Laps of warranty coverage."

The letter then asks the recipient to call 1-877-906-9725 and warns that failure to call this number could result in a potential lapse of coverage.

This scam is especially convincing since it's sent through the mail.

Who is sending these letters?

There is a disclaimer at the bottom of the letter stating that it's come from "American Home Protect, LLC." In looking at their page on the Better Business Bureau website, you'll see multiple complaints and one-star ratings regarding this advertising.

How did the senders get my information?

At 3Rivers, we’re committed to protecting our members' personal information. Likewise, we do not sell or otherwise distribute it to non-affiliate third parties.

However, some information about mortgages, regardless of what lender the consumer works with, is public record. That’s how scammers like this can obtain your contact information. Do note that the account number provided in the letter does not match yours – this should immediately alert you to the likelihood of something being a scam.

What happens if I call the number on the letter?

Calling the number may connect you with a real person, or it may connect you to automated recording prompts. Regardless, do not offer them your personal information. Doing so could result in terrible consequences in relation to your privacy and finances.

What should I do if I get this letter?

The best thing to do is disregard the letter. Dispose of it however you would any other junk mail you receive. In addition, you are always encouraged to contact us directly should you have questions or concerns.

If you want to take further action, consider filing a complaint with the Indiana Attorney General’s Consumer Protection Division.

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