Frauds/Scams Happening In Our Area:

April 2017 - Please be vigilant and keep an eye on your checking accounts!

 

CAN YOU HEAR ME?   FRAUD ALERT  JANUARY 28, 2017

According to media outlets across the country, scammers are targeting people by asking a single question at the start of a phone call: “Can you hear me?” These calls are often robocalls, and their goal is to record you saying “Yes.” Once the scammers have that recording, they can pair your “Yes” with any breached data they have for you—for example, your credit card number—and use it as evidence to show that you approved any number of products and services that the scammers are ordering in your name.

The scam was first reported in late 2016 and, according to reports, has resurfaced in a big way over the past few weeks, targeting people in the Northeast initially and now in Florida.

The website Snopes.com, which fact-checks rumors, says that the reports are unproven—while people have been receiving these calls, nobody has yet reported being charged for unwanted purchases as a result. Nevertheless the Better Business Bureau advises you to never answer calls from numbers that are private or you don’t recognize and, if you do pick up, not to give personal information. And if you pick up and someone asks if you can hear them, hang up immediately.

It’s also worth being aware of the FTC’s advice on robocallers: “Hang up the phone. Don’t press 1 to speak to a live operator and don’t press any other number to get your number off the list.”

MEMBERS RECEIVE BOGUS TEXT      September 28, 2016

We received word that some of our members received the following text:


C redit-U nion Alert for (the member's cell number).  Contact 844-584-3412

If you receive this message, please DISREGARD as this is a SCAM. 

Emporia State Federal Credit Union will never contact you by a text message if there is a problem with your account.  The only texts you should receive are the alerts you set up yourself (Balance Alerts etc) or notification that your e statement is available for you to view. If you have any questions or concerns, please call Emporia State Federal Credit Union at (620) 342-2336. 

 

LABOR DAY ALERT!

Members and Skimmers Expected To Hit The Road For Labor Day

With the national average for gasoline prices hovering at some of the lowest prices in over a decade, credit union members will most likely join the 35+ million expected to hit the road for Labor Day. Fraudsters are also aware of the potential for increased travel and will also be out in full force readying their skimmers at gas station pumps.

While much of the focus on increased security for plastic cards has been at point-of-sale terminals and ATMs with their respective EMV liability shifts, vulnerabilities with gas pumps will be a reality until October 2017.

In the last few years, gas pumps have been a favorite target for fraudsters to place skimming devices. In fact, more than 260 skimming devices have been detected in the last year at gas pumps in the state of Florida alone.

Aside from not having a liability shift on gas pumps to make them EMV compliant, many gas pumps also have a universal key lock making them extremely vulnerable to tampering. Once the skimming device is installed, it is often well-disguised and not noticeable to patrons.

After the data is captured, fraudsters return to harvest the information from the skimming device or, in some cases, access and retrieve the data remotely. The harvested data is then used to manufacture counterfeit cards or the data is fraudulently distributed online.

What can you do?

  • Look for security tape over gas pump cabinets to ensure it hasn’t been tampered with by unauthorized parties (image to right). If the security tape is removed, cut or the gas pump appears tampered with, do no use it and report it to the manager.   
  • Use gas pumps located closer to the front of the gas station as fraudsters will typically place skimming devices at gas pumps away from the store to go unnoticed.
  • Use a credit card instead of a debit card. While there is member liability protection for both, most find dealing with a credit card compromise less intrusive.
  • Run your debit card as a credit card instead of entering a PIN number. This can prevent PIN compromises when you use a debit card at the pump.
  • Check your accounts regularly to spot any unauthorized charges.
  • If you suspect that your debit or credit card numbers may have been compromised, report it immediately to authorities and to your credit card company.

     

Be aware that there is a scam that could occur when you are on your computer.  It's linked to a popup that tells you that your hard drive is in danger of crashing and if that happens, you will need to have extensive repairs done.  The popup offers you a chance to take care of it before it crashes.  You click on the popup.  At some point, they will try to get remote access to your computer.   If this happens, they have control of your computer.  While they are there, they may ask you to login to your online banking to take care of their fee.  If you do this, you have given them access to your money and they can begin to transfer out any amount they see.     

Remember:  DO NOT CLICK ON ANY POP UP and DO NOT EVER GIVE ANYONE REMOTE ACCESS TO YOUR COMPUTER UNLESS YOU ARE ABSOLUTELY SURE YOU KNOW WHO YOU ARE DEALING WITH. 

 

The Internal Revenue Service says scammers are calling   people across the country, telling residents they owe taxes and have to pay up immediately using a pre-paid debit card or wire transfer -- often under threat of arrest, deportation, loss of business or loss of drivers license.

Scammers are now coming prepared with a lot of your personal information, including last four digits of your Social Security number, and they also have IRS badge numbers that sound legitimate but aren't. They will also send you bogus IRS emails and may call multiple times claiming to represent law enforcement or the Department of Motor Vehicles.

The IRS has stressed for years it will never call first about unpaid taxes, and it will never ask for an immediate debit card payment or wire transfer to settle affairs.

If you get a call like this and you either know you owe taxes or think you might, hang up and call the IRS at 800-829-1040. If you know you don't owe taxes, call the Treasury Department's Inspector General for Tax Administration at 800-366-4484.

Information to Keep You SAFE:

Financial Fraud Update

Account Authentication & Online Banking

Online Banking and The Internet of Things

Identity Theft Today