NCUA Warns about Telephone Fraud
Consumers Targeted by Vishing Scam Should Call Agency’s Hotline
ALEXANDRIA, Va. (Jan. 21, 2014) – The National Credit Union Administration today warned consumers to beware of a new telephone fraud, known as a “vishing” scheme, that is using the agency’s name in an attempt to obtain personal financial information.
Several credit union members have been contacted by an automated phone call claiming to be from NCUA and notifying consumers their debit cards have been compromised. The call then asks the receiver to follow prompts, which request personal information, including sensitive financial data and personal identification information.
Anyone contacted by this so-called “vishing” scheme should immediately contact NCUA’s Consumer Assistance Center Hotline at 800-755-1030 or by email at firstname.lastname@example.org to report the scam. Operators answer calls Monday through Friday between 8 a.m. and 5 p.m. Eastern.
NCUA neither seeks personal information from consumers over the telephone nor handles day-to-day maintenance of member account information. NCUA works with law enforcement agencies, including the FBI, to protect consumers from frauds of this nature.
NCUA urges consumers to never verify or release personal financial information to unknown callers.
Important Security Alert
Target Corporation announced an incident involving unauthorized access to Target payment card data. The unauthorized access may impact Target customers who made credit or debit card purchases in Target's U.S. stores between November 27 and December 15, 2013. According to Target Corporation, the information involved in this incident included customer name, credit or debit card number, the card's expiration date and the card's CVV. MasterCard has reported that many financial institutions, including Army Aviation Center Federal Credit Union (AACFCU), have been impacted by this breach; however, the compromise is not specific to AACFCU.
We are strongly committed to protecting our members' information with the highest security available, and we are working diligently to notify our members who may be affected. Notifications are being sent in a letter format and include instructions on how to report your card compromised as well as instructions on ordering a replacement card.
Please monitor your account and notify us immediately if you notice anything suspicious or unusual at 800-448-4096. As a reminder, you may view your account at your convenience through our Internet Account Access, the AACFCU Mobile App and Dixie Phone Banking.
SMS Text Scam and Fraud Calls
We are receiving reports that scam texts and fraudulent calls are being received by some of our members.
The text messages and calls state that your card has been deactivated and need to call a number to get it restored. The phone calls and text messages are attempting to get your card number and pin. AACFCU will not ask for this type of information via text message or phone call and will never request a PIN from our members.
The text message reads similar to the following: "Your card has been deactivate reply to or call XXX-XXX-XXX and enter your 16 digit card number to re-activate." The Fraudsters change phone numbers very frequently.
If you did provide this information, please contact the number on the back of your debit card and AACFCU at 800-448-4096 immediately.
What are Spyware and Viruses?
Spyware and viruses are malicious programs that are loaded onto your computer without your knowledge.
- Spyware is designed to allow unauthorized access to computer systems. Spyware can be used to steal your personal information. Some spyware programs can detect the numbers and letters you enter on your keyboard such as passwords.
- Viruses are designed to make copies of themselves, quickly using up your computer’s memory. Some viruses can transmit across computer networks.
Protecting against spyware and viruses
There are several easy ways to protect your computer against spyware and viruses:
- Anti-spyware protection: Make sure your computer has an anti-spyware protection program that detects and removes all forms of spyware, which can steal vital information. Use this program to scan your computer frequently. Many software companies offer software that will protect you from a wide variety of spyware threats, and also will provide customer service in case you have questions. To keep up with any new threats, be sure to keep your anti-spyware program updated.
- Anti-virus protection: Make sure your computer has an anti-virus protection program that detects and removes viruses. Software from major providers will protect you from a wide variety of threats, and also will provide customer service in case you have questions. Be sure to always keep your anti-virus program updated.
- Automatic upgrades: Buy a protection program that automatically upgrades your spyware or virus protection on a recurring basis. If you don’t have this automatic upgrade feature, make sure you update your spyware and virus detection programs weekly, as well as whenever you hear of a new computer threat.
- Attachments: Don’t open attachments, CDs or thumb drives unless you’re sure that you can trust the source. Learn how to manually screen CDs or thumb drives and attachments if your anti-virus software doesn’t automatically do so.
- Contact your ISP: Your Internet service provider (ISP) may have more recommendations and technical support for protecting yourself. Contact your ISP for recommendations specific to your computer and network.