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Fraud Alerts

April 2nd
Fraudulent Calls from Mastercard
Recently cardholders have been receiving fradulent calls and/or texts with a message stating, "Your Mastercard has been blocked. Please call the number provided." If the cardholder responds, they are asked for their 16 digit card number and security code (phished). If you have given your information please contact our Call Center immediately at 866-633-4450, or if after hours, the hot card center at 866-546-8273. It is very important to CALL and get your card shutdown as soon as possible.

Please Make Note:  We NEVER request account information such as credit card, debit card, account numbers etc... over the Internet or telephone.  Personal information with the bank can only be changed with proper ID verification.


June 27
Fraudulent Emails Claiming to be from NACHA (04/22/2011) 
NACHA – The Electronic Payments Association has received reports that individuals and/or companies continue to receive fraudulent emails that have the appearance of having been sent from NACHA. These emails vary in content and appear to be transmitted from email addresses associated with the NACHA domain (@nacha.org). Some bear the name of fictitious NACHA employees and/or departments.
* Do not open attachments or follow web links in unsolicited emails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual. This includes any email that tells you to click on a NACHA link. NACHA itself does not process nor touch the ACH transactions that flow to and from organizations and financial institutions. NACHA does not send communications to persons or organizations about individual ACH transactions that they originate or receive. Be aware that phishing emails frequently have attachments and/or links to Web pages that host malicious code and software. Please forward fraudulent emails claiming to be from NACHA to abuse@nacha.org. If malicious code is detected or suspected on a computer, consult with a computer security or anti-virus specialist to remove malicious code or re-install a clean image of the computer system. Always use anti-virus software and ensure that the virus signatures are automatically updated. Ensure that the computer operating systems and common software application security patches are installed and current. Additional information and guidance on phishing is available from the Federal Deposit Insurance Corporation (FDIC).

June 24
Warning Against Telephone Scams
Recently, customers have been receiving fraudulent calls from an automated system posing as various banks, stating that there are issues with the customers credit or debit card.  They are asked to press "1" to activate a voice recording and then requested to input personal account information. Some recipients of these calls never had an account at CUB but contacted us following the call to question whether someone set up a bogus account in their name.

Please Make Note:  We NEVER request account information such as credit card, debit card, account numbers etc... over the Internet or telephone.  Personal information with the bank can only be changed with proper ID verification.

In the event you receive a call such as this, please be warned that this is a phishing scam. You should hang up and not provide any information requested; as we will never call you and request any account information. In addition, should you receive a fraudulent call such as this, please note the telephone number of the caller and follow up with us at 866-633-4450 to inform us of the incident. 
If after hours, contact 866-546-8273 to have your debit card closed.



PHISHING SCAMS:
"Phishing" scams are one of the fastest-growing frauds today. Phishing typically involves a bogus telephone call, e-mail, webpage message or cell phone text message that uses legitimate materials, such as a company's name, Website graphics and logos, in an attempt to entice recipients to provide personal financial details, such as credit card, Social Security, bank account numbers to name a few.

Financial institutions, government agencies, retailers, credit card companies and many other organizations have seen their Website graphics, including corporate logos and other materials, "borrowed" by fraudsters with the intention to trick consumers into divulging personal financial information by responding to an official-looking, but entirely bogus telephone call, e-mail or cell phone text message. The names of many well-known companies have been used to perpetuate the scams including Financial Institutions, Citibank, E-bay, Best Buy, Discover Card, and Earthlink. Like many cons and scams, phishing preys on the unwary. Here's how you can keep your guard up, and help fight back against this form of fraud.


SIMPLE PRECAUTIONS:

  • Never respond to an unsolicited telephone call, e-mail or cell phone text message that asks for detailed financial information. Always know whom you are dealing with.
     
  • Report anything suspicious to the proper authorities. Alert the company or government agency identified in the suspect telephone call, e-mail or cell phone text message through a Web address or telephone number that you know is legitimate.


STOP, LOOK AND CALL:

STOP: Resist the urge to immediately respond to a suspicious phone call, e-mail or cell phone text message--and to provide the information requested.

LOOK: Read the text of the e-mail or cell phone text message several times and ask yourself why the information requested would really be needed.

CALL: Telephone the organization identified, using a number that you know to be legitimate.


IF YOU'VE BEEN "PHISHED:"

  1. Contact your financial institution.

  2. Contact the three major credit bureaus and request that a fraud alert be placed on your credit report.
    Equifax: 1-800-525-6285
    Experian: 1-888-397-3742
    TransUnion: 1-800-680-7289

  3. File a complaint with the Federal Trade Commission at www.ftc.gov or 1-877-382-4357.

This information was provided by the American Bankers Association.

 


Identity Theft:

Identity theft is the fastest growing crime in America.

Identity theft occurs when an imposter armed with a piece or two of your vital personal information, accesses and drains your financial accounts, opens new accounts or applies for loans and credit cards under your name. No one is immune from identity theft and fraud but there are things you can do to minimize your risk of becoming a victim.

  • Protect your personal information:
    Name, Address, Phone, Mother’s Maiden Name, Date Of Birth, PIN numbers, and Social Security Number. Keep account information in a secure place such as a locked file cabinet or drawer. Don’t carry your social security number in your wallet or purse.
     
  • Don’t provide your personal information unless you have to.
    Many businesses ask for your social security number. Ask the business why they need the information and how the information will be used once it is provided. If you do not trust the company, check with the better business bureau or go elsewhere.
     
  • Be on guard for telephone, cell phone texting and Internet scams.
    Never give your account number over the phone unless YOU initiated the call and are familiar with the business. When making a purchase on the Internet, make sure you are in a secure area. You can tell this because the address will change from http:// to https:// the “s” stands for secure, and a lock or key symbol will appear on the lower corner of the web page. Never respond to e-mail solicitations asking for personal information.
     
  • Annually check your credit report at all three credit-reporting agencies. TransUnion, Experian and Equifax.
  • Send and receive mail in a locked mailbox, or rent one at the post office.
    Don’t send or receive mail containing financial information in an unlocked mailbox because people might steal it.
     
  • Review your monthly financial statements closely.
    Contact your bank or credit card company if you discover any unauthorized charges.
     
  • Watch what you throw in the trash.
    Shred all pre-approved credit card offers, insurance statements, or anything that has your social security number or personal information on it. Shredders are inexpensive and can be found at your local retail store.
     
  • Reduce the number of pre-approved credit card offers you receive by calling 1-888-567-8688.
  • Keep a record of all your credit card numbers, expiration dates, and phone numbers for each card in a secure place for quick reference in case of loss or theft.
  • If you lose your checkbook contact the financial institution immediately.
    You will need to close out the account to protect your funds from fraudulent use.

If you become a victim of Identity theft, you will need to do the following:

  1. Immediately contact your bank:
    Close all existing accounts. Open new accounts with new account numbers.
     
  2. Immediately contact the three credit reporting agencies:
    Contact them by phone and in writing so they can put your files on fraud alert.
    Cancel all your cards and request that new accounts be established.
     
  3. Immediately contact all other creditors:
    Contact them by phone and in writing to inform them of the problem.
    Notify all creditors who have opened fraudulent accounts in your name. Tell them it is a case of ID Theft and to shut down those accounts so that it doesn’t continue.
     
  4. Immediately contact local law enforcement.
    Request copies of all police reports filed.
     
  5. Contact Department of Motor Vehicles:
    Find out if a new license has been requested or issued in your name.
     
  6. KEEP COPIES OF EVERYTHING!
     

IMPORTANT CONTACT INFORMATION
Federal Trade Commission Hotline
www.ftc.gov 1-877-ID-THEFT

Kentucky Department of Financial Institutions
http://www.dfi.state.ky.us/

Office of the Attorney General
http://kyattorneygeneral.com/cp/

US Government Website on ID Theft
http://www.consumer.gov/idtheft/

Credit Reporting Bureaus/Fraud Departments:

Equifax 800-270-3435
P.O. BOX 105069 800-525-6285
Atlanta, GA 30348

Experian 888-397-3742
(formerly TRW) 800-301-7195
P.O. BOX 9532
Allen, TX 75013

Transunion 800-680-7289
P.O. BOX 679
Fullerton, CA 92634


Questions? Comments? Contact us today!
Toll Free at 1-866-633-4450

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