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We’ve had many members victimized by fraud. To help increase awareness on how to avoid being a victim, we’re sharing information on fraud attempts our members have faced.
A real-life scenario
A perpetrator reaches out, pretending to be calling from a well-known company – like Apple, Amazon or Norton Security – and falsely claims a refund is owed. However, in order to process the refund, our member must install software on their computer and then log into their Online Banking account.
Once the software is installed and they’ve logged into their account, the fraudster then has full access to the member’s account to make transfers and move money. They’ll claim the transfer is the refund, but they’ve erroneously sent too much.
In order to “correct” it, our member should buy a gift card or send a wire to the thief for the “overpayment” amount.
Simple things to remember
Never download programs to your computer without being certain you’re dealing with a reputable company – call the company through their publicly listed number to ensure the request is legitimate
Just because the caller ID might show the name of a reputable company, that’s not a guarantee the call is truly coming from that company
Never share your PIN or other personal information with anyone calling you. Remember the Credit Union will NEVER call you and ask for your personal information
Follow your gut sense – if something sounds too good to be true, it probably is
Don't allow fraudsters to create panic and scare you to take action you normally wouldn't
Other helpful information
Unwanted calls are annoying. They can feel like a constant interruption – and many are from scammers. The Federal Trade Commission has created a video on how to block unwanted calls – for yourself, and for your friends and family.
Scamming people over the phone has become a low-risk, inexpensive and lucrative past-time for crooks and con-artists. Debt.org has put together some great information on how to stop and report phone call scams.
|Advice on phone scams|
Have you gotten a recorded phone message from “Susie” with the “Vehicle Service Department” calling about your vehicle warranty? The Federal Trade Commission says to hang up, block unwanted calls and report them.
|Hang up on warranty robo-calls|
|Avoiding and reporting scams||
The FTC also provides some good tips on how to avoid scams, what to do if you fall victim, and how to report them.
As your trusted financial partner, we’re here to help you protect yourself. We hope you find this information to be of value.