Security Alert

Recent Scams (2022):

SCAM INVOLVING FAKE CARD FRAUD ALERTS

1st Community Credit Union has been notified of a recent scam in which a credit union's members were targeted by fraudsters who knew the last 4 digits of an old card number and phone number. The fraudsters used that information to send fake card fraud alerts, upon which the fraudsters followed up with a phone call requesting digital banking credentials, one-time passcodes, etc.  It is suspected that in this case the fraudsters used information recycled from an old merchant data breach. The cards they sent fake alerts for were old cards which had been closed out and blocked.
Use caution when you receive alerts or notifications. If you have questions about the information received in an alert do not click on any links within the alert and do not call the phone number listed in the alert. (Remember: fraudsters know how to spoof a phone number to make it look like they are calling from a trusted business)
If you need to check the validity of the alert it is safest to call the 24/7 service phone number on the back of your card OR call 1st CCU during business hours.

Important Phone Numbers For Servicing Your Credit Card:

  • Mon-Fri 8am – 5pm: 608-269-8121 or 1-888-706-1228
  • Evenings and Weekends: 1-866-820-5786
  • Report Lost/Stolen Card: 1-800-449-7728 
Important Phone Numbers For Servicing Your Debit Card:
  • Mon-Fri 8am – 5pm:    608-269-8121 or 1-888-706-1228
  • Evenings & Weekends 1-866-820-8787
  • Report Lost/Stolen Card 1-800-449-7728


PHONE SCAMMERS CLAIMING TO BE 1ST CCU

1st Community Credit Union is aware of recent scam phone calls in our area, with the caller fraudulently claiming to be from the credit union. The phone number is programmed to look like a local number. 
  • On some calls the scammer claims that they are calling in regards to an Amazon purchase.
  • On some calls the scammer leaves a voice mail message claiming that the credit union is foreclosing on their property and giving a 1-800 phone number to call back.
  • One consumer received a call claiming to be from 1st CCU and stating that the person's loan payment was past due and needed to be paid by phone immediately. The consumer knew that his payments were up-to-date.
  • Remember that scammers are looking to create a sense of urgency to get you to disclose sensitive information or account numbers to them.
  • If you receive a call claiming to be from 1st Community Credit Union and you have never dealt with that employee before or you weren't expecting a call from 1st CCU,  it is wise to take the caller's name, then hang up and call the credit union directly and ask for that employee. 

AMAZON PHONE SCAM

Amazon is alerting the public to ongoing phishing schemes and cyber attacks that are escalating. One of the scams involves fraudulent phone calls from someone claiming to be from Amazon customer service. The fraudulent caller informs the victim of a recent issue on their account (such as suspicious charges or an outstanding account balance). The person is then instructed to provide financial details such as a credit union or bank account and credit card account numbers, as well as remote access to their computer in order to resolve the alleged account issues.  Some consumers are reporting getting a voice mail message related to this scam along with a toll-free number that they are instructed to call.
  • If you receive a call from someone claiming to be with Amazon, hang up immediately and do not call back.
  • Never allow unknown parties to remotely access your computer.
  • If you are concerned about any charges made on your debit or credit card or in your account, always contact your credit card company or financial institution directly.
Phishing refers to the practice of casting a wide net with a fraudulent claim (robocalls to multiple phone numbers, text blasts to multiple phones, emails send to multiple random email addresses) in the hopes of luring consumers to believe that they need to provide their sensitive personal or financial information, passwords, and more. They often pose as a legitimate company or person and they try to create a sense of urgency or panic to catch you off guard so you'll tell them what they want to know.
 

Past Scams:

NETFLIX (AND OTHER STREAMING SERVICES) SCAMS:

Netflix is the world's largest streaming platform. Its popularity makes it one of the most impersonated brands among cybercriminals.  Over the years there have been many Netflix-themed scams that target current and potential Netflix subscribers.
HOW THEY TARGET CURRENT NETFLIX SUBSCRIBERS: Cybercriminals send phony email notifications claiming there is a problem with your billing information
HOW THEY TARGET POTENTIAL NETFLIX SUBSCRIBERS: Cybercriminals send emails advertising a deal for new accounts. 
Both of these types of emails include links that lead to webpages created by the cybercriminals to look like a Netflix webpage.  On the spoofed webpage you are asked to provide your personal and payment information. Any information you enter on those fake webpages is delivered straight to the cybercriminals.
These types of scams aren't limited to Netflix.  Scammers are also spoofing other streaming services such as Disney+ and Spotify. 
REMEMBER THESE TIPS:
  1. Never click on a link within an email that you weren't expecting, even if the email appears to come from a company or service you recognize.
  2. If a deal seems too good to be true, it probably is.
  3. If you receive an unexpected notification, open your browser and navigate to that platform's official website. There you can log into your account knowing that you're on the platform's real website and not a phony look-alike website.



When a spike in fraud trends is detected we take precautions and actions in order to protect our members from becoming victims.

Debit Restrictions Due To Increased Fraudulent Activity In Georgia, Texas, And Michigan:

  • Due to numerous fraudulent transactions detected in the state of Georgia, all 1st CCU cardholders who are performing debit card transactions in Georgia will be required to insert the debit card into a Chip Reader rather than swiping the card.
  • All Marathon Petro gas pump users will not be able to use their cards to pay at the pump. You will need to go inside and use the Chip Reader to pay.
  • Card transactions originating in Michigan or Texas may be subject to restrictions due to increase in fraud.
These restrictions have been put into place for security purposes to protect our members' accounts from fraud. If additional restrictions need to be placed we will add those to this list. We apologize in advance for any inconvenience.

The FTC (Federal Trade Commission) reports that during the summer of 2020 the scams reported include:
  • COVID Treatment and other Coronavirus Scams
  • Government Grant Scams
  • "You've Won!  Now Pay Us"
  • Stimulus Package Scams and IRS Scams relating to stimulus money
  • Promises For Lower Credit Card Rate
  • Work-At-Home Scams
  • Cryptocurrency Blackmail Scams

Visit FTC's Website To Read More About Recent Scams


Look-Alike Websites – Many consumers will see an increase in the number of email alerts announcing deals, gifts, and sales. While mailers can look legitimate, the links may lead to look-alike websites meant to trick you into entering private information or give scammers an opportunity to download malware onto your computer. To protect themselves, consumers should:

  • Review the sender’s address, as businesses will often send emails with a proprietary address, like @bbb.org;
  • Look for misspellings throughout the email;
  • Hover over links without clicking to see where they reroute;
  • Only enter sensitive information into a website that begins with "https" as the "s" informs you that it's secure and information entered is encrypted.
Social Media Gift Exchange – Purchasing one gift and receiving several in return may sound like a harmless way to give and receive presents, but this seasonal scam is a pyramid scheme, which is illegal.

Free Gift Cards – Who doesn't love free stuff especially around the holidays? Scammers hope to take advantage of that fondness through phishing emails and pop-up ads offering gift cards. If you come across one of these offers you should not:

  • Open the email as it can be a phishing attempt but, if you do, don't click the links. Instead, mark the email as SPAM or JUNK;
  • Share any personal information to receive the card as the scammers will use the information to steal your identity later;
  • Click the ad but close out of the app or program you are using, clear your history and turn on your ad blocker.

Fake Shipping Notifications – Deliveries notifications can often be expected throughout the holiday season as many consumers go online to purchase gifts, but some of these announcements may be phishing scams. These false notification emails often use a legitimate businesses name and logo to trick you into opening the email and allowing thieves to gain access to personal information and passwords. Targets should know:

  • Most online vendors provide tracking information that can be used to verify where your items are and identify the delivery company;
  • You are not required to pay money to receive your package, that payment was made when you make your purchase;
  • Delivery services do not need personal information to deliver your items.

Phony Charities – Charities often get a boost this season as consumers are in the giving spirit but scammers seeking to take advantage can pose as charities or needy individuals soliciting donations. Here are a few tips for spotting scammers:

  • Look for sound-alike names
  • Verify Your Charity at Give.org
  • Review the charities website to make sure they specify their plans for donations and how they will be used to address the issues they claim to combat.
Microsoft Scam: Victim receives an email or a phone call claiming to have an installer attachment that will give PC owners the latest upgrade. If you click on the attachment it may install a ransomware variant, displaying a message that you owner's PC files have been encrypted and will stay that way unless the consumer pays a ransom. If you don't know who has sent an email do not click any links or open attachments.

Free Trials Can Be Expensive: 1st CCU is aware that consumers receive multiple "free" trial offers online. The Federal Trade Commission urges consumers to use caution regarding these offers. Whether it's for teeth whitener, vitamins, or weight loss solutions, what sounds like a harmless opportunity to try before you buy could end up costing you a lot of money. Some of these businesses make it tough to cancel or place conditions on returns and cancellations that are so strict it is difficult to stop the deliveries and the billing. Or the free trial may come with a "small" shipping and handling fee, making you think you'll only be paying a few dollars but you're really being charged a much higher amount than you expected.

The most common complaints we've heard locally is that consumers are being charged for the full-size product PRIOR to receiving the Trial Product, leaving no time to test the free sample and make a decision to cancel if you aren't happy. Although not all trial offers are the same, they all come with specific conditions that are disclosed in the fine print.

  • It is your responsibility to take your time and understand the terms and conditions BEFORE accepting any online offer.
  • It is your responsibility to contact the company to cancel, so if you decide to accept a free trial offer be sure you write down the company's contact information.
  • Look for pre-checked boxes, which if left checked may be giving authorization for sending you additional products other than what is advertised.
  • Research the company BEFORE you commit to a free trial offer. Use a search engine to search for reviews or complaints about the company.
  • Watch out for "free trial" offers that are actually an enrollment in a club or subscription (for exercise clothing, shoes, books, etc) that charge your card and ship more products to you each month unless you follow strict opt-out procedures on a monthly basis.

Report it to the FTC


Your rights to your free annual credit reports Go There Now
Federal law requires each of the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion - to give you a free credit report every 12 months if you ask for it. They also make it easy to accomplish many credit-related tasks right from your computer. Order your free credit report online from annualcreditreport.com or call 877-322-8228. Annualcreditreport.com is the only official website explicitly directed by Federal law to provide free credit reports to consumers.


DID YOU KNOW... you can get your name removed from lists for unsolicited insurance and pre-approved credit offers by calling 1-888-5OPTOUT (1-888-567-8688)

More About Fraud/Scams


Thank you for being a valued member of 1st Community Credit Union