Fraud Alerts
TEXT ALERTS NOT FROM NUCU
Apri1 25 2013
New Texting scam about payment card fraud”
If you receive a text stating your card has been deactivated, please delete the text and do NOT call the number in the text.
This is a SCAM and they are attempting to acquire the security information from your card so they can begin using it to commit fraud against your account.
Neighbors United Credit Union, nor our fraud center, will ever text you. We will never ask for the security code on the back of your card. We will never ask you for your PIN number. Both of these numbers are only known by you. NUCU, our employees or contracted fraud center employees do not have, nor need access to these numbers. Our fraud center 800 numbers are as follows: Automated system 1-866-750-9107, Live Person # 1-800-262-2024, and of course you can call us during normal business hours at 1-864-941-8900 and for Credit Cards either 1-605-782-3300 or 1-800-279-2674. To report your card loss or stolen after hours call 1-800-847-2911 (debit) or 1-866-422-8617 (credit).
Increase Counterfeit Card Activity being seen nationwide:
July 19, 2012
ALERT: There has been an increase in counterfeit card activity with our and other financial institution’s debit cards. This increase has been linked to an unidentified merchant processing breach. Please be aware that Neighbors United Credit Union members have suffered NO loss due to this breach and the breach is not associated in any way with the credit union. For your protection, we utilize real-time fraud protection on all our debit cards and have a 24 hour, 7 day a week call center that monitors for suspicious activity. This fraud center may try to contact you if they notice suspicious activity on your debit card to verify the information. This will be done by phone only and they will NEVER ask for personal information. They may confirm your identity by asking you the last four of your social security number or mother’s maiden name. They will then verify if you did certain transactions. They will never ask for your PIN number, security code, expiration date or full card number. The number they will call you from will be one of the following: 1(800)262-2024 or 1(866)750-9107. For your protection, it is important that the credit union has your current phone number on file so the call center can get in contact with you in a timely matter to better protect your accounts. If you have any questions please call us at 864-941-8900 or email at admin@mynucu.org.
Phishing Attack in Progress
January 26, 2012
We have become aware that there is a phishing email circulating that references the “eNFact” product. The email directs recipients to click on a link that takes them to a mock- site…click here to read more
Another Version of Zeus is on the Loose:
January 10, 2012
Alert Summary
The Federal Bureau of Investigation (FBI) recently issued an alert on a new version of the Zeus Trojan called Gameover, which is distributed via spear phishing attacks aimed at commercial accounts and ultimately lead to account takeovers. Emails purporting to be from NACHA (The Electronic Payments Association) inform the victim organizations of a failed ACH transaction. The victim’s computer is infected with the Trojan when they click on the link contained in the email.
Alert Details
Gameover is used to steal online banking login credentials and can defeat several forms of dual-factor authentication. Cyber thieves initiate large dollar wire transfers from the compromised accounts. The cyber thieves employ a number of tactics in this scam, including the use of money mules and distributed denial of service attacks (DDos).
Alert Tips
Members should not open emails purporting to be from NACHA. NACHA does not send emails directly to businesses or consumers.
Anti-Virus Scam
September 15, 2011
In the past year, Visa has noticed a significant increase in anti-virus scams. The following is an excerpt from the Visa announcement.
How Anti-Virus Scams Work
In general, a victim of an anti-virus scam will encounter a pop-up, on-screen message designed to look as if it were generated from the victim’s computer and indicating that a virus attack has occurred (e.g., “Security Warning: Application cannot be executed. The file rundll32.exe is infected. Do you want to activate your anti-virus software now?”). In some cases, the victim’s computer screen will freeze; to unfreeze the screen and remove the “virus,” the victim is advised to immediately purchase fake anti-virus software. Once the victim’s payment information is provided, the computer screen will unfreeze. Unfortunately, the fake anti-virus software is either non-functional, a mal-ware or rogue software; the victim’s computer will continue to be infected with viruses and mal-ware.
In recent months, Visa cardholders have reported a variation of the anti-virus scam described above, in which the cardholder receives a phone call from a fraudster claiming to represent a reputable security software firm (such as McAfee) and offering to provide technical support to help resolve a computer virus issue. The fraudster seeks the cardholder’s approval, remotely accesses the cardholder’s computer, and tries to sell the cardholder an anti-virus maintenance package, which is purchased with the cardholder’s credit card. Please be advised that this is fraud and do not give out card information.
TEXT ALERTS NOT FROM NUCU
August 30 2011
New Texting scam from “Credit Union Central”
If you receive a text stating your card has been deactivated, please delete the text and do NOT call the number in the text.
This is a SCAM and they are attempting to acquire the security information from your card so they can begin using it to commit fraud against your account.
Neighbors United Credit Union, nor our fraud center, will ever text you. We will never ask for the security code on the back of your card. We will never ask you for your PIN number. Both of these numbers are only known by you. NUCU, our employees or contracted fraud center employees do not have, nor need access to these numbers.
If you have any questions or feel like you may be a victim of a scam please contact us at 864-941-8900.
Gift Card Scam
August 9 2011
There is a new twist to the old phishing scam (scroll down to the bottom of page to learn more about phishing and play our phishing game) that have caused so many Identity Theft problems. Individuals are being called (including some of our members) by unidentified scammers. The conversation begins with the caller claiming you have “WON” a gift card. They may have your name, address and the last four digits of your debit card. However, they are not giving anything away. Although the actual intent of the caller is unknown at this time, investigators believe they are looking for more information to help them perpetuate an account takeover.
An account takeover involves an individual getting enough personal information from their victim to allow them to gain access to their financial accounts. They will be looking for public information (like your Name, Address, and Phone number) and Private information (like your account number, financial institution, debit or credit card numbers, social security numbers), so they can then take over your accounts.
If you receive any phone calls asking for your Private Personal Information hang up. Never give out information to someone who calls you. When in doubt, hang up, look up the business in the phone book, on your statement or on the web, and call the company directly. Then verify that the original call was a legitimate employee of that company.
When it is your financial well being you can never be to careful. Neighbors United Credit Union will never ask for your account numbers, social security numbers, PINs, or other private information by phone. The only time we will ask for information from you is if you call us, we may ask for your password or other out-of-the-wallet questions to verify and protect your identity. We also have a 24 hour 7 day a week Card fraud center that may contact you to verify if a transaction on your card was actually you. They will identify themselves as Neighbors United Credit Union fraud center. The call may be computerized or you may speak to an individual, however if you have any doubts, call us directly and we will be glad to help.
Sony Online Entertainment Breach
May 2 2011
If you have an account with SOE (Sony Online Entertainment) please go to this link (SOE Press release) for more information on what you should do. As of today, we have had no notification of any Neighbors United Debit Cards involved in this incident. However, your personal information may have been obtained by the hackers so you will want to follow SOE suggestions on how to protect yourself and your identity.
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Two new Fraud emails in circulation, and a breach involving email:
April 8 2011
Two new fraud emails are in circulation:
1) Reportedly from NACHA (the National ACH Association), this email is Phishing for account information
The ACH transaction (ID: 43396428166308), recently initiated from your checking account (by you or any other person), was rejected by the Electronic Payments Association. Please click here to download further information If you have any questions or comments, contact us at info@nacha.org. Thank you for using http://www.nacha.org.2) UPS and FEDX delivery failure, updates, and notification emails are being circulated which contain a link that could possibly be a virus. If you are expecting a package, recently shipped a package and/or order something recently, confirm details by calling UPS or FedX, going to their websites to track a package or call the merchant your purchase was made from to find out information on the shipment. NEVER use the link in a suspicious email.
Breach of Epsilon Marketing Services:
You may have received an email from a card provider notifying you of a Breach involving Epsilon. We do not use Epsilon so none of your accounts with NUCU are affected by this breach. The email begins:
Recently, (merchant name) was notified of a system breach at Epsilon, a third-party vendor that provides marketing services to a number of companies, including (Citi, Sears, Victoria Secrets, Lane Bryant, etc..). The information obtained was limited to the customer name and email address of some credit card customers. No account information or other information was compromised and therefore there is no reason to re-issue a new card.What you need to know:
- Be aware of any emails asking for personal information.
- Never give out information about your accounts, unless you initiated the call.
- Never click on links within emails.
Clicking on links can cause viruses, Trojans, Malware and worms to download on your computer. These then can lie dormant on your PC, until you go to pay a bill online when it will then capture your payment information and send to the originator of the virus.
Several New Twist to Old Scams:
March 14, 2011
There have many new twist to old fraudulent scams. Here are the most recent trends with some helpful links.
1) IRS emails demanding payment:
The following is a sample of the email in circulation:
Subject: Taxpayer Overpayment on Tax Refund
Dear Taxpayer:
Our records show you were overpaid on your Federal Tax Refund under Social Security
Number xxx-xx-xxxx, therefore $380.00 of the overpaid Tax Refund must be returned.
This memorandum serves as notification of an overpayment of Tax Refund that you received and the subsequent repayment that is your responsibility.
The overpayment totals $380.00 for 1040/2010 filing period you were overpaid in error
because of an incorrect Tax Adjustment causing an incorrect refund.
2) Charity Scams to “help” the victims of the Japan crisis.
3) Free Trial Offers, actually FEE Trial Offers
Whiter Teeth? Flatter Stomach? Shiny Hair?
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Helpful Links to Keep you educated about Fraud & Indentity Theft
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Δ Warning!! It could be a SCAM!
If you have received a check recently in the mail log onto
www.Fakechecks.org to take the fraud test.
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