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Fraud Protection |
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Holy Rosary Credit Union is concerned about the increase in fraud, through the internet and other areas. We hope this page will help you protect yourself. We will be updating it and adding to it as soon as we hear anything that we think might help you, so check it frequently. And don't forget, we are here to help, so if you are doubtful call us before you give out any personal information.
Text Message Scam
There has been a recent text message scam going around involving Service Credit Union. Members are receiving text messages saying their account has been placed on hold because of fraudulent activity and are asked to call a number to speak to someone about it. When calling that number the members are asked for personal information. So you are aware, HRCU currently does not send text messages to its members and as a reminder, please remember to never out your personal information including your account number.
Alert:
New 'Phishing' Scam Uses Fake Airline Ticket
A new e-mail "phishing" scam seeks to plant malicious software on the computers of recipients who open an attachment purportedly related to the purchase of an airline ticket.
The fake e-mails use the names of various U.S. airlines including Northwest Airlines, Continental Airlines, Sun Country Airlines, US Airways, Allegiant Air, Delta Air Lines, Alaska Airlines, Midwest Airlines, and Hawaiian Airlines.
The e-mail messages urge recipients to confirm a ticket purchase they never ordered. The e-mail requires an entry by thanking recipients for buying the tickets using the "Buy flight ticket online" service offered by the airline. Giving fake details of the purchased ticket, it asks them to confirm the purchase by printing the invoice and the ticket after clicking on an attachment in the mail. However, when unsuspecting recipients click on the e-mail, a malicious software program downloads onto their computers. This "malware" enables the fraudsters to gain confidential information such as credit card access codes, Social Security numbers, and net banking passwords by allowing them remote access to the computers. Airlines say there are a couple of things inside the mail that should warn people of the scam. **The e-mails contain mistakes in spelling and grammar, and the formats in which the itineraries are presented are different than those used by the airlines.**
Members should be aware that these e-mails are not coming from the airline. If the format does not look familiar to you, and you have not recently purchased a ticket, do not open the attachment.
Delete the e-mail right away.
Below is an example of an e-mail received by a credit union executive:
From: Hawaiian Airlines [mailto:tegoo@qq.com]
Sent: Thursday, November 13, 2008 4:24 PM
To: James Mxxxx
Subject: Your flight ticket
Dear Valued Customer
Thank you for using our new service ‘Buy airplane ticket Online" on our website.
Your account has been created:
Your login: 1mooreDacu,com
Your password: PASS8QBE
Your credit card has been charged for $424.85.
We would like to remind you that whenever you order tickets on our website you get a discount of 10%!
Attached to this message is the purchase Invoice and the airplane ticket.
To use your ticket, simply print it on a color printed, and you are set to take off for the journey!
Kind regards,
Hawaiian Airlines
Loan approval letters with HRCU's name on them are currently in circulation.
Members have been receiving a flyer in the mail saying that their HRRCU loan has been prequalified for a lower rate. After calling the number, they indicate they are an "HRCU Wholesale Lending Division" and start taking down information to get members to apply for another loan.
When asked the name of their company they'll tell you "Whole Sale Lending Division." They will say they are similar to Costco and whole sale loans to give you a lower rate. When asked if they were affiliated with HRCU they will say "yes". When asked if they are the same company, they say no, that they just handle all the loans for the people that get the loans through you.
THIS COMPANY IS IN NO WAY ASSOCIATED WITH HOLY ROSARY CREDIT UNION.
If you believe you are the recipient of one of these letters, or have any questions about this letter please contact us at 877-895-6840.
Fraud Email Alert
This is a fraudulent e-mail. It was not sent by either the credit union, the NCUA (National Credit Union Association) or CUNA (Credit Union National Association). No legitimate organization will ask for your pin number. THIS E-MAIL IS FALSE!!!!
The email reads as follows:
WAL-MART STORES, INC. DATA BREACH ANNOUNCMENT April/06/2008
CUNA is aware of the recent data breach at Wal-Mart Stores, Inc. and is taking proactive steps to address the situation. The Customer Security Team at CUNA is currently gathering information regarding the data breach and will react swiftly in the best interests of its customers, including the re-issue of compromised cards if necessary.
It is important to note that CUNA has effective fraud monitoring systems in place and is constantly reviewing our accounts for fraudulent and/or suspicious activity. The security of your account is very important to us.
Moving forward, we recommend that all CUNA customers review their account activity on an ongoing basis and report to us any suspicious activity. In addition, it is recommended that customers activate "Enhanced Card Security" to block
Please call Customer Care at 1-800-794-9672, to activate (Enhanced Card Security) for your debit or credit card.
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Identity Theft:
Identity theft occurs when someone else uses your name and social security number to set up false credit accounts, write bad checks and/or enter into contracts in order to defraud. In order for someone to do this they must have access to personal information such as name, social security number, address, date of birth etc. Unfortunately this information is not that hard to obtain these days. There are some things you can do to protect yourself.
- Don't put your social security number on your checks or any other papers that you may give out. Member social security numbers used to be printed on our statements until about ten years ago, when a member pointed out that should a statement become lost or stolen their account number and SSN would be there for the taking. We took it off. So should you
- Never give out any other information when making a credit card purchase. Retailers will sometimes ask you for your phone number or other information when taking a credit card for purchase. VISA (or MasterCard for that matter) does not require this and if they follow the VISA guidelines they don't need it. Refuse, they won't give up the sale.
- Take inventory of the things you carry in your wallet. You may carry your Social Security card or have store credit cards you hardly ever use. These can be stolen and used before you even know they are missing. Check them on a monthly basis, maybe when you balance your checkbook...you do balance your checkbook don't you.
- The federal government has passed a law that allows you to check your credit rating once a year. Do it. Here is the link annualcreditreport.com or call toll free (877) 322-8228. Note: be careful of offers that don't offer this link see above.
- When a wallet is stolen or your house broken into let us know immediately. The sooner we catch this, the better off you will be.
- Pay attention if you get a collection call from a company you never heard of or if you get turned down for a loan. This may be the first indication someone else is using your name.
What to do when you think your Identity is in jeopardy:
- Come see us, we will help you through the process
- Come in even if you aren't sure, we won't mind, we'd be relieved to tell you its nothing.
- Once it is confirmed report it to the police
| Credit/Debit Card Fraud |
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It seems as though there is a new scheme for credit/debit card fraud everyday. The most important thing that you should know is that you are protected from most liability by law. If your credit/debit card is lost or stolen, if someone uses your number on-line you are not liable. So don't let anybody sell you credit card "insurance" you don't need it. You do, however, have to follow certain rules.
- Don't give out your PIN number to anybody. It is considered permission to use the card. An on-line company never needs your PIN, if they are asking for it they are doing something fraudulent. And don't hand your card to your son's girlfriend's nephew's brother and tell him your PIN so he can pick you up $20.00. If you give out your PIN and they use it, all liability switches back to you.
- Don't give out any information on-line unless you initiated the transaction. As a matter of fact your security number, (the last three numbers of the longer number above your signature on the back of the card) should only be requested if you are purchasing something or if you initiated the transaction.
- Buying on line is usually safe if you:
- Deal with a company you know
- Look for the Verisign logo
- Don't have them store your information put it in fresh each time
- You initiate the transaction
- Check your bank statements carefully. There is a timeframe for reporting transactions that may not be yours. And it is a great help to us.
- Check your credit card statements carefully, same reasons as above.
- Be careful at ATMs.
- Don't allow anyone to see you put in your PIN.
- Look out for oddly placed mirrors.
- Try to use machines in established businesses
- Don't use machines in deserted and/or badly lit spaces.
- Put your money away immediately.
- Look up ATM locations before you travel, you never know who you might have to ask for directions otherwise, and besides then you can look up machines that are surcharge free.
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