Urgent Scam Alert: Credit Card Fraud Targeting Funeral Homes

July 8, 2025

Watch out for fake service requests involving third-party payment transfers.


Multiple funeral homes have recently been targeted by a sophisticated credit card scam — and we want to help you and your staff stay protected. 


The scam begins with someone contacting a funeral home to plan a memorial service — often providing specific details like a clergy member, a short visitation, and live music. The request sounds legitimate, but the goal is to involve the funeral home in a fraudulent financial transaction. 


Here’s how the scam typically works: 

  • A person posing as a family member asks the funeral home to book and pay an outside vendor (usually a band or performer) on their behalf. 
  • The scammer provides a credit card to cover the full cost of the service, including the vendor payment. 
  • The vendor, however, only accepts wire transfers, and urges the funeral home to send the money quickly. 
  • Once the money is wired, the original credit card charge is reversed or found to be fraudulent, leaving the funeral home liable for the loss. 


Red flags to watch for: 

  • Requests to pay third-party vendors directly using funds passed through the funeral home 
  • Vendors who won’t accept credit cards or checks and insist on wire transfers 
  • Out-of-state callers or unfamiliar names that can’t be easily verified 
  • Obituaries or service details that feel generic, vague, or inconsistent 
  • High-dollar transactions with urgent or last-minute timing 


How to protect your firm: 

  • Decline to act as a middleman for vendor payments 
  • Verify family identities and relationships when working with unfamiliar names or locations 
  • Trust your instincts and train your staff to speak up if something feels off 
  • Use caution with high-dollar transactions from new or out-of-town contacts 


These scams can be convincing — but awareness is your best protection. Take a moment to share this warning with your team and stay alert for similar patterns. 


If you’ve encountered suspicious activity or have concerns about a potential scam, contact your local authorities or report it at reportfraud.ftc.gov


 


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