It seems like there are stories about fraud,scams, theft, and information security in the news every day. At CCU, our goal is to identify relevant security information, break down what’s important, and pass it along so you can protect yourself.
Social Networking Privacy and Safety Guides
Security Guide from Facebook
Security Guide from Twitter
Social Networking and Email Information from Microsoft
Information from US-CERT (US Computer Emergency Readiness Team)
Credit/Debit Card Scams: On the Phone, By Text Message, and Online
Several scams have been identified that attempt to trick people into giving out their confidential credit and/or debit card information. Please be aware that CCU will never ask you to provide confidential card or account information through an unsolicited phone call, text message, or email.
There are phone scams currently targeting financial institutions across the country and in the local area where members receive a call stating there are problems with their credit or debit card and to call a toll-free number. In addition, sometimes cardholders are instructed to "press1" to re-activate their card and are directed to an automated system. The system prompts the cardholder to enter his or her card number, expiration date, PIN, and verification code (three-digit code on the back of the card). While the majority of these calls have been to cell phones, land lines may be targeted as well.
This is a scam and Corning Credit Union will never call requesting members to enter confidential information to re-activate their accounts or cards. However, please be aware that CCU does have a
Visa Fraud Prevention Service and you may receive a call regarding your transactions if there is suspected fraudulent activity on your card(s). Please note that this Fraud Prevention Service will never prompt you to enter or state your card number, PIN, expiration date, or member account number.
At Corning Credit Union, protecting our members is our top priority. These phone scams are randomly generated by an automated system that dials combinations of phone numbers hoping the person who answers will give out his or her confidential card information. The scammers do not know whether you have a debit or credit card, and they also do not know whether you have one with CCU. They are simply attempting to trick you into giving away some type of confidential information.
Text Messaging Scam
Debit and credit card text messaging scams are also targeting financial institutions across the country. The text message instructs the recipient to call a toll-free number or possibly visit a website regarding a suspicious authorization or to reactivate a card. Once the number is called, the system solicits cardholder information.
Text messages requesting cardholder information are scams and are not authorized by Corning Credit Union in any way. If you have received this text message, please do not call the toll-free number or visit the website and provide information. Text message scams are randomly generated by an automated system that sends text messages to as many cell phone numbers as possible hoping the people who receive the text will give out their confidential card information.
If you still have the text message and are willing to forward a copy to CCU, you may do so by sending it to email@example.com.
Corning Credit Union will never ask you for personal or account information by sending a text message or requesting that you click a link in an email to provide your confidential information.
In addition, there are currently online banking scams that may attempt to gather credit card information from you. The scam may present a page which requests your credit card information, including your card number, expiration date, CVV code and PIN (see example below). Although this screen is designed to give the impression that it is coming from Corning Credit Union, it is actually being generated due to an infection on your computer. CCU's eBranch has not been compromised.
CCU will never ask you to enter credit card information online to verify your identity. When we do need to verify your identity, a security question that you have personally selected will appear on your screen after you log in.
If you are ever asked for confidential card information when logging into eBranch, please close your browser and contact CCU before attempting to log in again from your computer.
If you have already acted on any of these scams, please contact CCU to have your card blocked as soon as possible. You may do so by calling us at 607-962-3144 or 800-677-8506. After business hours, listen to the automated menu. Prompts will be given to report a card lost or stolen and to contact Fraud Prevention Services.
Caller ID Spoofing
Scam artists have now found a way to "phish" by phone. Just like email phishing scams can make it appear that a message is coming from any email address the sender chooses, caller ID spoofing can make a call appear to come from any phone number the caller wishes.
To start, the scam artist goes to a caller ID spoofing service. These services allow you to "spoof" your telephone number. According to Camophone, with "Camophone's Privacy Telecom Caller ID spoofing and manipulation service, you can make calls anywhere to the United States and you are in control of the Caller ID that is sent to whoever you are calling."
The scam artist sets up an account and is then able to call consumers and have the caller ID display their local bank or credit union telephone number and caller ID. The consumer, feeling comfortable that they are seeing their own credit union's name, is more likely to divulge their confidential account information.
DON'T BE FOOLED. Just like Corning Credit Union would never send an email requesting your confidential information, we would never make an unsolicited call to request that information. If you do receive a call like this from ANY vendor that you do business with, including Corning Credit Union, hang up and call back using their published phone number.