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Previously Mentioned Fraud Alerts
FRAUD ALERT 11/09
Fraudulent E-mail Regarding Electronic Payments
There is currently a falsified e-mail circulating with the subject title "Rejected ACH Transaction." This e-mail appears to be from NACHA-The Electronic Payments Association telling you that there is a problem with an ACH transaction you have originated. The e-mail includes a link which redirects you to a fake web page which appears like the NACHA website and contains a link which is almost certainly executable virus with malware. This e-mail did not originate from NACHA, the website is not that of NACHA’s and do not click on the link. Click on this link to view a sample of the e-mail.
FRAUD ALERT February 2009:
Currently a cell phone scam is reaching many of our members.
The message is sent via text with the following message:
Dear NCUA member your account has been closed due to unusual activity. Call this #**********. The message is sent from various email addresses. If you have received this message or a message similar to it, it is fraud. Members Community Credit Union or NCUA will NEVER contact their members via text message. Please do not respond to any text message you get asking for your personal information. If you have responded to this text message and gave out your personal information, please call our credit union so we can prevent misuse of your account.
JUNE 2006 FRAUD ALERT:
A company using our old name, HON INDUSTRIES Community Credit Union, is calling community members to advise them that they have been pre-approved for a HON INDUSTRIES Community Credit Union Credit Card. This fraudulent individual or company is requesting personal information. DO NOT respond to this type of message. We will never contact you in this manner asking for personal information.
Please be very careful whenever an individual contacts you by phone or email requesting any type of personal information such as account numbers or social security numbers. Most times this type of call/email will be a phishing scam. If you are ever unsure about the identity of the person you are speaking to, please hang up the phone and call a number that you know is correct for the company or business that purports to be calling.
Following are some tips to help protect your personal information:
*Never respond to any email/phone call that asks for debit card and personal information, even if it looks/sounds legitimate. Do not click on links within an email; instead, copy and paste the address into your browser. Or, hang up and call the company directly to ask if they need information from you. Note: By opening or viewing a preview of the email or by clicking on the link within the email, you may cause your PC to discretely download a virus or spyware.
*Install spam filter and anti-virus software on your PC.
*Educate yourself of Internet/Phone fraud scams.
*Regularly request and validate the accuracy of your credit report.
If you would like more information about different scams and fraud, please visit the Fraud Links on our Community Links page.
FRAUD ALERT 06/22/05:
COMPROMISED CREDIT CARD ALERT INFORMATION
As has been communicated by MasterCard and the news media, a security breach has occurred at a processor which handles the clearing of Master Card purchases. The merchants who used the processor CardSystems to clear their purchases between August 1, 2004 and May 27, 2005 have had records stolen. If your credit union MasterMoney Debit Card or MasterCard Credit Card number was on our compromised card list, you received a letter in the mail notifying you of the breach.
We are suggesting, as a safety measure, that you monitor all of your checking accounts that have debit cards attached to them as well as all of your credit cards to make sure that only the items you have authorized clear. If you see a transaction on any of your accounts that is not familiar to you, call the 1-800 number that is listed on the back of your card to place a claim on the fraudulent transaction.
You can monitor your credit union accounts daily by using Online Banking, MyCardinfo.com, or ART (our audio response teller). If you have any questions about this situation, please feel free to call us.
FRAUD ALERT 03/30/05
Our MasterCard partner, The Member's Group, has become aware of a serious attempt to gain personal customer information via fraudulent means. You may receive a fraudulent phishing email to request debit card and personal information. This email purports to be from Visa or MasterCard and requests that you enroll in the Verified by Visa or MasterCard SecureCode programs immediately by clicking a link located within the email.
Please do not respond to this type of message. Neither Visa nor MasterCard will contact cardholders directly to request they enroll in Verified by Visa or MasterCard SecureCode.
Following are some tips to help protect your personal information:
*Never respond to any email that asks for debit card and personal information, even if it looks legitimate, and do not click on links within an email; instead, copy and paste the address into your browser. Note: By opening or viewing a preview of the email or by clicking on the link within the email, you may cause your PC to discretely download a virus or spyware.
*Install spam filter and anti-virus software on your PC.
*Ensure your PC is protected with a personal firewall.
*Scan your PC regularly to detect and remove spyware.
*Update your operating system and web browser software regularly.
*Look to ensure "https://" appears in the website address and that the security padlock icon appears on the websites that request personal information.
*Educate yourself of Internet fraud scams.
*Regularly request and validate the accuracy of your credit report.
If you would like more information about different scams and fraud, please visit the various Fraud Links on our community links page.
MEMBER FRAUD ALERT 09/04
A member of ours was recently involved in a scam that we would like to let you know about. Our member was selling an item on the internet. They received an email from a potential buyer which read (note inconsistencies and misspellings):
(1st Email)
Dear Sir/Madam.
I am Brianard Scott. I specialise in purchase of Automobiles for customers in Europe, and we get paid in commission, after payment has been confirmed by the seller to the buyer. At present we have a customer interested in purchasing your goods mentioned above for the sum of $17,000 and we will arrange for the pick up of the item once payment is confirmed cleared by you. Please acknowledge the offer and we will inform the buyer of your confirmation of acceptance to sell and have the funds remitted to you as soon as possible. Note: My customer is a diplomat and due to his job and duties he would want this to be kept in your utmost confidentiality and trust, till the end of this transaction. I hope you can understand. I look up to hearing from you. I will also want you to send down the pictures of the item when you confirm that you are ready to sell it to my client so that he can see the pixs & have believe in it.
Thanks,
Brianard Scott.
(2nd Email)
Hello. My Client asked me to bring to your notice that payment will be made to you by means of a cashiers check in the amount of $25,500. This amount he asked me to let you know would come in this form due to an earlier order he made with a Company but did not go through due to delay in shippment of goods he ordered. To conclude the transaction, send your name, phone number and address to your name. When the cheque gets to you , you are to refund the excess amount of $8000 to his shippers via wire transfer immediately to enable him arrange for the shipping of the vehicle on time. So confirm this and provide the information for payment to be sent to you via priority mail.
Our member received a Bank of America cashiers check from the purchaser in the amount of $25,000. The cashiers check had all of the correct security information and looked valid. The credit union called Bank of America before accepting the transaction to verify the check. It turned out to be a fraudulent check. Luckily, our member realized this before he wired out the $8,000.
Please be aware that these scams exist and do occur even in our area. If you would like to find out more information about potential scams or if you feel you have been scammed, please visit the FBI Website, www.ifccfbi.gov. Or, report suspicious activity to the FTC (Federal Trade Commission). Send the actual spam to uce@ftc.gov. If you believe you've been scammed, file your complaint at www.ftc.gov, and then visit the FTC's Identity Theft website at www.ftc.gov/idtheft to learn how to minimize your risk of damage from identity theft.
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