What do identity thieves want?
Identity thieves want personal information, such as your social security number, credit card numbers, passwords, and mother’s maiden name. They usually get their information from you. Unfortunately, it’s not easy to spot thieves in action.
How do they get it?
- Internet-Fraudulent but official-looking e-mails or pop-up windows that ask you to update information or enter a contest.
- Mail-Theft from your mailbox or trash.
- Phone Calls to “verify” information.
- ATMs and point-of-sale keypads-Someone could be watching over your shoulder.
How does Lassen County Federal Credit Union Protect Your Account Information?
- Lassen County Federal Credit Union will never call or email you asking for your account information. When you call the credit union, you will be asked questions to verify your identity.
- Our VISA credit and ATM check card are monitored for suspicious or unusual activity.
Call Lassen County Federal Credit Union to if your contact information changes, if you plan to travel overseas, or if you intend to use your card in a way that is unusual for you.
How to protect yourself?
- Identity thieves are not always strangers! You can do a lot to protect yourself by keeping your personal information private. Don’t give out your passwords or personal identification numbers (PINs); never write them down and leave them in plain view. Additionally:
- Regularly monitor your accounts using online banking or by phone
- Change your online banking password periodically and do not give it to others
- Consider putting a password on your account to be used when calling Lassen County Federal Credit Union
- Memorize the PIN for your Lassen County Federal Credit Union VISA ATM debit card. Never write your PIN on your card, carry it in your wallet, or file it in an obvious place.
- Check your credit report at least once a year. Log on to www.annualcreditreport.com to order your annual free credit report.
- Review your credit card and account statements as soon as you receive them to watch for any charges or withdrawals you did not make.
- Shred account statements, bills, pre-approved credit offers, and other documents with personal information before you throw them in the trash.
- Avoid emailing personal and financial information.
- Instead of clicking on links in an e-mail you receive, call the company or log on to the company’s web site directly.
- Install and regularly update firewall, anti-spyware, and anti-virus software on your computer.
- Sign up for Verified by Visa, an added safeguard when you use your Lassen County Federal Credit Union Visa ATM check or credit card for online shopping.
What To Do if Your Identity is Stolen?
If you believe your identity has been compromised or if there are unauthorized transactions on any of your Lassen County Federal Credit Union accounts, do not hesitate contact the credit union Member Service Representative immediately.
* Secure sockets layer (SSL) is a protocol developed by Netscape for transmitting private documents via the Internet. SSL incorporates a cryptographic system that uses two keys to encrypt data-a public key known to everyone and a private or secret key known only to the recipient of the message.
What Is Phishing?
Creating a fraudulent replica of an existing Web page to fool a user into submitting personal, financial, or password data. —phish v. —phisher n.
Don’t Take the Bait!
If you receive an unexpected email saying your account information must be verified for any reason at all—you have been targeted in a phishing scam.
Lassen County Federal Credit Union will never contact you in this manner, nor would any other legitimate financial institution. Below are suggestions to help you avoid getting hooked by a phishing scam:
- If you get an email or pop-up message that asks for personal or financial information, do not reply. And do not click on the link in the message. Legitimate companies do not ask for this information via email. If you are concerned about your account, contact the organization mentioned in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company’s correct Web address yourself. In any case, do not cut and paste the link from the message into your Internet browser. Phishers can make links that look like they go to one site, but actually send you to a different site.
- Use anti-virus software and a firewall, and keep them up to date. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge.
- Do not email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organization’s website, look for indicators that the site is secure, like a lock icon on the browser’s status bar or a website URL that begins with “https:” (the “s” stands for “secure”). Unfortunately, no indicator is foolproof; some phishers have forged security icons.
- Review credit card and bank account statements as soon as you receive them and check for unauthorized charges.
- Forward spam that is phishing for information to firstname.lastname@example.org and to the company, bank, or organization being impersonated in the phishing email. Most organizations have information on their websites about where to report problems.
You can learn about other ways to avoid email scams and deal with deceptive spam at ftc.gov/spam.
A Fraudulent e-mail seeking credit card information (known as a “phishing fraud”) has been circulating nationwide. This fraudulent phishing e-mail appears to be from NCUA and contains a link purportedly to obtain a subscription for the NCUA Express Subscription service. When that link is used, the recipient is directed to a “clone” of the NCUA Express Service site that seeks credit card information from those to whom the phish is sent.
If you receive such an email, please ignore it, as it is fraudulent! The NCUA does NOT charge for the Express Subscription service and does NOT solicit credit card information over the Internet. If you have questions or comments, please contact the NCUA Fraud Hotline at 800-778-4806 or, 703-518-6357.
Recently, we have been alerted regarding a phishing attack that has targeted the Lassen County Federal Credit Union members and non-members. These automated messages are being distributed by phone and text message.
These fraudulent messages suggest that the Lassen County Federal Credit Union account holder’s card has been suspended and include false contact information.
The messages may be similar to the following script:
“This is an automated message from Lassen County Federal Credit Union. Your ATM card has been suspended, due to fraudulent authorizations. Please contact us immediately to reactivate your account.”
If you have received this or a similar message by phone, text, or e-mail DO NOT PROVIDE YOUR INFORMATION. Lassen County Federal Credit Union would never ask for your personal or financial information by phone, text, or e-mail.
Never give personal information to anyone who calls, texts, or e-mails you requesting it.
If you have responded with any information please contact us IMMEDIATELY at 530-257-7736 for assistance. If after hours or on the weekend, please call (800)528-2273 and cancel your card immediately and contact us the next business day. If you feel you are a victim of this or other scams, further assistance is available by contacting the Federal Communications Commission at 1-888-CALL-FCC (1-888-225-5322) or http://www.fcc.gov/.
Should you have additional questions or would like more information, please contact us at 530-257-7736.