Online scams and fraud are becoming much more sophisticated and elaborate. Thieves use many different methods in their attempts to steal personal information. They break into mail boxes, deploy viruses, send fake e-mails, and even create fake Web sites. Do not fall victim to these scams. The best way to protect yourself against fraud is to educate yourself on these methods and guard your personal information. You should also maintain up-to-date anti-virus and spyware programs on your personal computer and be knowledgeable about phishing.
Our Online Security pages contain information to help members protect themselves against identity theft, mail and e-mail scams, computer viruses and other types of fraud. Take a moment to browse these pages where you’ll learn about the latest threats and how to combat them.
Please remember that Family Federal FCU will never ask you for personal information, or information about your credit union accounts via e-mail, a web page, or over the phone.
Every year hundreds of thousands of consumers become victims of identity theft. This results in millions of dollars in fraudulent credit card charges and countless hours spent trying to repair damaged credit files.
Follow these simple dos and don’ts to protect your identity and, ultimately, your good credit:
- DON’T give out personal information over the phone.
- DON’T respond to e-mails asking you to verify account numbers, credit card numbers or PINs.
- DON’T respond to correspondence requesting your account number in order to claim a cash prize such as lottery winnings.
- DO protect your personal information by shredding old account statements, credit card offers, or any other document that contains personal information.
- DO monitor your credit file by reviewing your credit report through AnnualCreditReport.com.
- DO report any suspicious correspondence, phone calls or e-mails to your credit union.
Tips & Tricks: 10 ways to protect yourself from online fraud and scams
- Don’t make the assumption a credible-looking website is credible. Anyone can create a website that looks legitimate.
- If it seems too good to be true, it probably is.
- Be cautious of unsolicited e-mails — many are fraudulent.
- Be wary of anyone who asks for personal information. Don’t give it out unless you’ve verified the person, business or website with a reputable source.
- Your Social Security number should not be necessary unless you are applying for credit. Do not give it out.
- Be suspicious of anyone who contacts you and claims to be from a company with whom you have an account like a bank, credit card or phone company. If they ask for information they should already have, don’t give it to them. Call the company independently, using the contact information on your statement or obtained from the official website.
- Don’t respond to offers that require you act immediately or won’t take “no” for an answer.
- Legitimate charitable causes do not need to telephone or e-mail to solicit donations or obtain passwords or Social Security numbers to accept donations. Do not respond to these offers or pleas for help.
- Do not follow the “unsubscribe” instructions in unsolicited e-mail. This usually just verifies your e-mail address and you will get even more junk e-mail.
- E-mail addresses or web addresses that have a company name in the address are not necessarily from that company. Go to the official company website for contact information.
How to Report Fraud
If you feel you are the victim of account fraud or identify theft, act immediately. This should help minimize the damage to your personal accounts and credit rating.
If you suspect fraud in connection with your credit union accounts, contact us right away. We will help settle your claim quickly and with as little inconvenience to you as possible.
If you suspect you’re the victim of identity theft, you should also contact these agencies:
- Internet Crime Complaint Center
- Federal Trade Commission (FTC)
Identify Theft Hotline:877-ID-THEFT
- Social Security Administration’s Fraud Hotline
- Credit Bureau Fraud Hotlines
Other Fraud Protection Resources
- Department of Justice Internet Fraud Information
- SEC Internet Fraud Information
- Anti-Phishing Working Group