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Fraud Info Center at Honor Credit Union

Latest Fraud Alerts

 
What You Should Do – Yahoo Security Breach! (Friday, December 16th)

Yahoo recently announced another huge security breach and we wanted to remind everyone about some standard practices for when security breaches occur.  Breached information from the Yahoo incident included user names, email addresses, telephone numbers, birth dates, password hashes and security questions. It’s estimated that this breach affected more than one billion accounts, which poses a serious question: If I have a Yahoo account, what should I do now?

  • First and foremost, change your password and security questions IMMEDIATELY and set up multifactor authentication if available.  For security purposes, it’s best to have different complex passwords for all your online sites. The reason behind this is, once hackers have your password, they have programs built to exploit any other sites that you use the same email/password combination on.
  • Beware of phishing emails asking for more information regarding your security questions.  Hackers can use stolen credentials to craft emails that may appear to be legit, for example asking you to verify your security questions, but are actually just steps to victimize you even further.

If you suspect that you've been a victim of any fraud or breach in security, please contact our Member Solutions Center immediately at 800.442.2800.

 
70 Card Skimmers Found In MI Gas Pumps So Far
 
According to a recent press release from the Michigan Department of Agriculture and Rural Development, approximately 70 credit card skimmers have been found and removed from Michigan gas pumps since last year. If you're unfamiliar, credit card skimmers are external devices that thieves attach over a real credit card slot at a gas station pump in merely seconds. As customers swipe their cards at the pump, the skimmer saves and stores their card information immediately. 
 
Here are a few ways you can protect yourself at the pump:
  • Look for tamper-evident stickers. If the security seal near the credit card unit looks tampered with, as if someone tried to open it, it might be compromised. 
  • If you have the choice, use the pump closest to the cashier. Criminals are less likely to apply skimmers or other criminal tolls so close to the attendant.
  • When in doubt, use cash. While yes, credit cards lend convenience, you can never be safer than using cash.
  • Pay inside. If cash isn't an option, head inside to handle your debit/credit card transaction. 
If you suspect that you may have been victim to a credit card skimmer, please call use at 800.442.2800 as soon as possible.
 
 
Text & Phone Scams
  • In the recent days, there has been an increase in call volume regarding members receiving text messages and phone calls asking for their 16-digit card number to either activate cards or verify fraud transactions. These calls and texts are fraudulent and are an attempt by fraudsters to steal a member's card information.
  • Please Note: Honor Credit Union will never ask for your personal information - including credit or debit card numbers over the phone. If you receive a call or text message asking for your information, please hang up immediately and/or do not respond. If you think your account has be compromised or you are a victim of fraud, please call us at 800.442.2800 as soon as possible.
  • Fraudulent Phone Numbers Include
    • (202).545.6425

    • (141).010.0001

 
'Cracking Card' Scam
 
Recently on the rise, cash-strapped millennials are being recruited to participate in a scam know as "card cracking." Using ATM/debit cards and PINs that are willingly provided by millennials, scammers deposit fraudulent checks into the millennials accounts. Those same funds are then subsequently withdrawn by the fraudsters with the millennials receiving a portion of the funds for their participation. 
 
Fraudsters target millennials, often times college students through social media, including Facebook and Instagram. The sales pitch is to allow the fraudster to deposit a check (which in the end is counterfeit) often times through mobile deposit or an ATM transaction to a student's account and withdraw the funds for which the student receives half of the proceeds for agreed to participate. However, before the credit union knows they are fraudulent, the scammer has withdrawn the money from your account. After the credit union credits the funds the cash is withdrawn through an ATM or retail location before the financial institution discovers the check is fake. 
 
How to avoid becoming a victim? It's simple - don't give your account information out to anyone, including your debit card and PIN. You could become a victim or part of a criminal act like card cracking and it's not worth risking your future for the chance of making a few bucks!
 
 
NCUA Warns of Scammers Using Similar Website Logo, Design
 
Honor has been warned by the Credit Union National Association (CUNA) that potential scammers are using a website with a logo and design similar to that of the National Credit Union Administration (NCUA) in attempts to convince consumers to provide sensitive information or send money. According to the NCUA, credit union members nation-wide have received emails from a National Credit Union website, which is not affiliated in any way with the NCUA. The NCUA warns members to not provide information to this website nor attempt to conduct any financial transactions through it. The NCUA nor Honor Credit Union would request personal or financial information in this manner. An example of a NCUA logo can be found below.
 
 
Outside of immediately contacting Honor's Member Solutions Center, members receiving emails should call NCUA's Fraud Hotline and should also contact the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center.
 

Social Engineering Scams Targeting Consumers

  • The significant amount of data breach activity affecting the card industry in recent months has generated an increase in socially engineered fraud scams aimed at consumers. Criminals are taking advantage of vulnerable consumers by leveraging Phishing, text and phone channels to trick them into providing personally identifiable information. The geographic areas where these scams are operating, as well as the information criminals are attempting to gather, are completely diverse. Here are some examples of recent scams operating in the US:

    • Automated Vishing calls: Consumers are receiving automated phone calls from a blocked source stating that their payment cards have been blocked. Cardholders are asked to enter their full card number and PIN or CV2 information to reactivate their card. If the calls go unanswered a voicemail message is left instructing the consumer to contact a number to reactivate their account.

    • Text Smishing messages: Text messages referencing compromised cards and suspended accounts are typical. A number is provided within the text message for reactivation. Most messages do not reference a particular financial brand name. Affected regions have been varied.

  • If you suspect that you've been a victim of fraud, or if you notice any suspicious account activity, please contact us immediately at 800.442.2800.

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