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Read these articles for more information:
Members Beware: New Visa® Travel Scam
Hang Up On The IRS? You Bet!
Don't Respond to E-Mail Asking For Private Financial Information!
Members Beware: New Visa® Travel Scam
A new Visa scam is affecting CMCCU members. Please beware of imposters who call and tell you that you have won a travel package. They are offering “this special offer to members in good standing with a long history at the credit union.” If you receive this call, HANG UP IMMEDIATELY. THE CALL IS FRAUDULENT.
The callers are contacting members by cell phone and already have the member’s card information when they make contact. It is unknown how the card information has been obtained.
Members are told that they have won or are eligible for a vacation or travel pass. The callers then ask if they may send information to the members’ home. This consent is taken as a valid charge on the members’ Visa card for $5.95; other charges from a variety of companies then ensue.
If you receive a call about this “travel package,” hang up immediately and notify the credit union of the contact. Take any additional action recommended to protect your account.
Help us protect your financial information.
- Check your statements frequently to ensure they match your recollection and your other records. If at any time you notice any discrepancies between your statements and your other records, please notify us immediately.
- Never give out account numbers or other personal financial information, unless you can validate the authenticity of the requestor.
- Always shred personal and financial information before discarding it.
- Every year, review your credit report. You’re entitled to a free credit report annually. Simply contact one of the three main credit-reporting bureaus:
Equifax
800-526-6285
Equifax.com
Experian
888-397-3742
Experian.com
TransUnion
800-680-7289
Transunion.com
When Uncle Sam calls, you answer, right?
Not necessarily so. Crooks posing as agents from the Internal Revenue Service (IRS) are calling people and attempting to trick them into giving out information about themselves that can be used to steal.
Out of fear and a desire to cooperate to avoid a dreaded potential audit, victims may hand over whatever is requested – Social Security number, birth date and other private information. The scammers use this information for identity theft purposes.
The deception is effective, especially for older adults, who tend to be more trusting.
So, what do you do if you get a call from someone who claims to be an IRS agent? Keep these things in mind if Uncle Sam comes calling and doesn’t quite sound as “red, white and blue” as he should:
First, remember that the IRS usually doesn’t even call taxpayers, and certainly never asks for account or credit card numbers, PINs or other information of this type over the phone.
Try to get the “agent’s” name. Do not call any number provide to you by that person. Instead, call the IRS at 1-800-829-1040 to confirm whether that person is indeed an employee of the IRS.
If you suspect the call was fraudulent, report it. Call the U.S. Treasury Inspector General’s fraud-referral hotline at 1-800-366-4484 and give as much detail as possible.
For more information recent fraud tactics, read “Suspicious e-Mails and Identity Theft” on the Internal Revenue Service Web site, http://www.irs.gov.
Don't Respond to E-Mail Asking For Private Financial Information!
Recently, there have been multiple e-mail fraud attempts, known as "Phishing”, that were initiated via e-mail sent to both the general public and to some credit union members. The e-mail appears to be from the National Credit Union Administration (NCUA), VISA or other government agencies.. It is not.
This false e-mail may say that they will limit your account access if you don’t verify your account number, Social Security number, etc. The e-mail then asks you to click on their link to provide the information. If the recipient complies the link directs them to a false Website and asked for your personal information.
Central Missouri Community Credit Union, the NCUA and any other reputable financial entities, do not ask credit unions members for such personal information. Anyone who receives an e-mail that purports to be from NCUA, VISA or other government agencies and asks for account information should consider it to be a fraudulent attempt to obtain their personal account data for an illegal purpose and should not follow the instructions in the e-mail.
If you responded to such an e-mail and provided any confidential account information, please notify your credit union immediately of the scheme. You should also change your account’s PIN, and take any additional action recommended by your credit union to protect your account.
If you feel that you have received a fraudulent Phishing e-mail purportedly from NCUA please forward the entire e-mail message to Phishing@ncua.gov.
Additionally, you can file formal complaints concerning any suspected fraudulent e-mail with the Internet Fraud Complaint Center (IFCC) at ncua@ic3.gov. The IFCC is a partnership between the Federal Bureau of Investigation, and the National White Collar Crime Center.
Please note that CMCCU will not call or e-mail you to say that your account is on hold, frozen, inactive or requires updates. Additionally, we will never ask for personal information such as social security numbers, dates of birth or any other private data over the phone, via text or by e-mail. The credit union already has that information on file.
If you receive a phone call or message asking for this type of information, DO NOT RESPOND. Instead, contact CMCCU at a phone number or e-mail address you know to be legitimate.
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