Touchstone FCU...Keeping You Safe
Touchstone FCU is committed to your security – on and off line. Check here for fraud prevention tips, news on the latest fraudulent scams, and security terminology!
Watch Out for Charity Scams
In the wake of any tragedy, including the tragic events at the Boston Marathon, many people want to help in some way. Scam artists can take advantage of our natural inclination to lend a hand. Remember, before you give to any charity, be sure the charity is legitimate, there is a clear plan for use of funds, and that the charity will provide the support it claims it will. The State Attorney General's office has put together tips to help you give wisely to charities in the aftermath of the Boston Marathon, or any other, tragedy.
ADP Generated Message - A New Phishing Email
This month a new phishing email, purported to have come from ADP, is circulating. The subject line may state that it is an "ADP Generated Message: First Notice - Digital Certificate Expiration". The body of the email goes on to explain that there is a Digital Certificate about to expire within a short period of time (2 days, for example) and that you must renew your certificate by clicking on a link provided. The message is a scam and should be deleted - the link will take consumers to compromised websites that serve a Trojan to the computer.
TWO New Phishing Email Scams
...from "Visa": The following email has been reported by Visa cardholders from other institutions! It seems to come from Visa Support and has the subject line Your Card Has Been Suspended. If you receive this email, do not click on the link, and report it to Touchstone. The body of the email will be similar to this:
Dear valued client,
...from "Intuit Turbo Tax": Please be advised that we have been made aware of a phishing campaign currently underway that is using emails that appear to be related to TurboTax. The email does not contain a link; however, the email has a .zip attachment that contains malware. Do not open the attached .zip file.
If you receive emails that appear to be from TurboTax stating that “Your State Return Has Been Rejected,” please be aware that these are not from Touchstone, any other financial institution, or TurboTax. Please do not open the attachment and do not forward the email. Delete the email.
Recommended steps for those who may receive the phishing email:
Below is a screenshot of the fraudulent email, with attachment named TAX_610717852
Important Information about Federal Reserve email scam...
The Federal Reserve has reported that some consumers have received fraudulent e-mails that appear to come from the Federal Reserve and reference ACH Summary or ACH notification and instruct the recipient to click on several links. PLEASE NOTE: these emails are not sent by the Federal Reserve Bank (FRB). The FRB NEVER sends information regarding payments directly to the consumer. Please remember - do not click on links contained in these types of emails and delete them immediately!
Recent Card Breach Could Increase Phishing
On the heels of the recent Global Payments data breach, credit card holders should be aware of a potential increase in phishing attacks. These attacks could also target others who were not impacted by the recent card breach. Be aware of any suspicious emails, text messages, or phone calls requesting personal or financial information.
In addition to personal and financial information, thieves could be looking for card data. Card information that may be requested includes: cardholder billing address, 3 digit CVV2/CVC2 code found on the back of the card, or enrollment criteria/passwords for Verified by Visa or MasterCard SecureCode. This card information was not part of the recent Global Payments breach. Criminals may ask cardholders for this information to add to the other card data they may have obtained from the breach to perform card present (key entered) or card-not-present (mail/telephone/internet) non-magnetic stripe transactions.
Remember, NEVER respond to emails, text messages, or phone calls requesting this information. If you receive a suspicious request, contact Touchstone immediately.
April 5, 2012
Text Message Scam Alert!
The following message is a SCAM: "Your credit union debit card has a pending alert. Call now, toll-free 1-940-XXX-XXXX, and follow the instructions to resolve this alert." If you receive a text or e-mail stating this message, do NOT call the number or give out any of your information. This is NOT a text or email from Touchstone Federal Credit Union; this is a phishing scam. Phishing is an electronic way of attempting to acquire sensitive information by pretending to be a trustworthy source. This Credit Union will never ask our members to provide confidential account information via text or e-mail.
There have also been reports of fraudulent e-mails from the Federal Reserve Wire Network that reference a wire transaction and instruct the recipient to click on a link beginning with “federalreserve.gov.” If you receive a similar notice, please note that these e-mails were not sent by the Federal Reserve Bank (FRB). The FRB sends information regarding the status of payments through its trusted network—never directly to a credit union member. Do not click on links contained in these types of e-mails and delete them immediately.
Security Term of the Month
Spear phishing: Similar to phishing, but rather than sending out mass in hopes of luring people to a site to provide personal information that can result in identity theft, scammers target individuals, often customizing emails and sending them one at a time to individuals. These emails can appear to be from legitimate sources and it can be difficult to determine that they are in fact, scams.
For more security terms, go to our new security Glossary.
Important Numbers and Contacts to Keep Handy!
The numbers you always need to contact about your wallet, if it has been stolen are:
Federal Trade Commision's Identity Theft Hotline 1-877-438-4338
Disaster Relief? Make Sure the Charity is Legitimate!
The spate of recent disasters in the U.S. and across the globe have stunned the world and motivated many to donate to help bring relief. Unfortunately, these tragedies also bring con artists out who are willing to take advantage of our impulse to help. Beware of email scams and phishing attacks that ask you to send money or provide personal information. If you are unsure of the legitimacy of a charity, you can go to the Better Business Bureau at www.bbb.org/us/charity for information about charities and tips for donations. Charity Navigator is another reputable source through which to research charities and relief organizations. There have been so many scams involving disaster relief that the Justice Department created the National Center for Disaster Fraud in 2005 after Hurricane Katrina. The center screens reports about possible fraud.
Coping with loss from a disaster?
If you experience the loss of, or damage to, personal property in the wake of a storm or other disaster, your concern is how to get back to normal quickly with a minimal outlay of funds. While it's tempting to do something immediately to remedy your situation, reacting too quickly might put you at financial risk.
What should you do first? Talk to your insurer to determine how much of the damage to your car, home, boat or other personal property is covered. If your house is uninhabitable, find out whether your policy covers hotel or other rental accomodations. Be sure to detail your losses when you file your claim.
Need to make repairs? Get several estimates and take some time to consider the work proposed and costs entailed. Avoid making emotional decisions. Choose your contractor carefully, avoid paying too much for necessary repairs, and watch out for scammers.
April: Epsilon Email Hack
We want to encourage you to use extra care when receiving emails from retailers or firms you know and trust. This month at Epsilon, a company that many retailers use to email their customers, files containing names and/or email addresses were accessed by unauthorized entry into their computer system.
Epsilon has told their clients that the only information that may have been obtained were names and/or email addresses. No other personally identifiable information was at risk because such data is not contained in Epsilon's email system. Even so, continue to be aware of common email scams that ask for personal or sensitive information. Online providers you do business with will not email you and ask for credit card number, social security number, or other personal information. If you are ever asked such information, you can be sure the email did not come from the retailer.
March 18: Notice of Fraudulent Emails
We have received the following notification from the Federal Reserve Bank (FRB):
February, 2011: Notice of Email Scam!
Individuals and/or companies may have received a falsified e-mail with the subject ACH transaction rejected. This e-mail appears to be from NACHA, the Electronic Payments Association, telling them that there is a problem with an ACH transaction they have originated. The e-mail includes a link which redirects the individual to a fraudulent web page that appears to be NACHA’s.
Facebook and You: T.M.I.?
Are you sharing too much on Facebook? As much as we all may want to share information with all our "friends" on social media sites such as Facebook (and others) – too much information can jeopardize your financial and personal safety. The key becomes how to stay engaged without giving away too much of your privacy and too much vital information. Read more for some thoughts and tips on controlling information on Facebook.
posted August, 2010
Don't Be Caught in a Disaster Aid Scam
When tragedy strikes, many of us rush to provide support and aid. Criminals know this too, and they can make a profit from the misfortune of others and your urge to help. When a tragedy strikes, keep your head while giving from the heart.
• Donate money and gifts to established, trusted non-profits or to organizations sanctioned by those non-profits or the government. You can verify the legitimacy of an organization trhough www.bbb.org/charity, www.charitywatch.org, and www.guidestar.org.
• Don't respond to unsolicited email or click on links within those messages. Follow links to charities from sites you already know and trust.
• Restrict the amount of personal information you provide.
• Be wary of those who claim to be victims and directly solicit your help.
• How much of your money will go to help real victims? 75%? 80%? Those are reasonable figures. If the answer is 10%, that is unreasonable. It is also unreasonable to expect that 100% will go directly to victims.
• If you feel believe you have received a fraudulent email, you can file a complaint at www.ic3.gov.
posted Summer 2010
Identity Theft – Crime of Opportunity
Review Statements to Avoid Potential Holiday Credit Card Fraud
Also, make sure we have your current phone information on file so that we can quickly contact you if we think there are any potential issues with your account(s).
Traveling Out of State with Your Visa Credit Card?
Important News About Phishing Scams
Many such e-mails are sent by criminals attempting to trick recipients into providing confidential information like user names and passwords. Known as phishing, many such fraudulent e-mails may appear to be from official or trusted sources. If you receive suspicious e-mails, do not click on the link provided in the e-mail.
Fraud Prevention Tips
Want to learn more? Click here.
Could You Be Caught in a Check Scam? Avoid being caught in a check scam. Visit www.fakechecks.org for more information on check scams and how they work.
On Guard! Learn to protect yourself from malicious spyware and fraudulent e-mails at www.OnGuardOnline.gov, a Web site created by the Department of Justice in partnership with other federal agencies and the technology industry to help you stay safe online.
Enhanced Login Security
FraudWatch® PLUS ... Protection 24/7, 365 days a year!
Important! To ensure the effectiveness of this service, if you change your home telephone number, notify Touchstone immediately.
Fraud can hit anytime...but you're protected. Touchstone Federal Credit Union has taken action to protect your Credit Union Visa Check Card from fraudulent activity. We provide all Members holding Touchstone Federal Credit Union Visa Check Cards FREE around-the-clock protection against the increasingly savvy perpetrators of Check Card fraud through FraudWatch® PLUS protection. With FraudWatch® PLUS, trained analysts watch for suspicious activity on your behalf, 24-7, 365 days a year. An experienced fraud analyst will contact you immediately to verify the authenticity of your card transactions, if warranted.
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