Fraud/Scams

LogMeIn Scam
Target Breach
Email Scam
Phishing
Text Message Scam

Equifax Breach

Telephone Scam

Members have reported to our Card Services Coordinator that an unknown number is calling them stating that their debit card is up for reissue and to confirm their information.  Luckily the members hung up and notified the Credit Union right away.  Please be aware that this scam is going around and you should not discuss your account information with the scammers or call the phone number back.  If your Credit Union was calling you regarding your debit card it will come from our local phone numbers or the suspicious activity tracking service the Credit Union contracts with.  For reference, the suspicious activity calls will come from a 1-877-253-8964, the service will provide the card’s last four digits, and a case number.  If you are still suspicious please contact Card Services at 207-783-2096, we have access to a log of all members the suspicious activity tracking service has reached out to.

 

LogMeIn Scam

Please be aware of another internet scam called the Log Me In Scam.  Basically you receive a call on your home or office phone line and the scammer confirms you use a computer (they may or may not have your email address or something for valid information to confirm).  Then they proceed to ask you to download the program Log Me In which gives them access to your computer and any of your data on the computer.  This is a scam and you should not allow the scammers access to your computer and reputable companies typically would not contact you in this manner for an unprompted service call.  For a helpful blog with more details on one version of this scam, click this link http://www.itnews.com.au/News/257822,how-the-microsoftlogmein-support-scam-works.aspx


Phishing

Are You Being Phished? - Don't Be a Victim

In a Phishing attack, a fraudster spams the Internet with an e-mail claiming to be from a reputable financial institution or e-commerce site. The e-mail message urges the recipient to click on a link to update their personal file or carry out some transaction. The link takes the victim to a fake website designed to look like the real thing. However, any personal or financial information entered is routed directly to a scammer. 

How To Protect Yourself From Phishing 

  • Be suspicious of any email that asks you to provide any personal, sensitive information, either via e-mail or at a web site
  • Your Credit Union will NEVER ask for sensitive information about you in an -email
  • Tell us if you think you have received a fraudulent e-mail.

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Credit Card Phone Scam  

This phone scam is pretty slick since the scammers provide YOU with all the information, except the one piece they want. 

Note, the callers do not ask for your card number; they already have it. This information is worth reading. By understanding how the VISA & MasterCard Telephone Credit Card Scam works, you'll be better prepared to protect yourself.

The scam works like this: Caller: 'This is (name), and I'm calling from the Security and Fraud Department at VISA. My Badge number is 12460. Your card has been flagged for an unusual purchase pattern, and I'm calling to verify. This would be on your VISA card which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a Marketing company based in Arizona ?' 

When you say 'No', the caller continues with, 'Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards.  Before your next statement, the credit will be sent to (gives you your address), is that correct?' 

You say 'yes'. The caller continues - 'I will be starting a Fraud investigation. If you have any questions, you should call the 1- 800 number listed on the back of your card (1-800-VISA) and ask for Security.' 

You will need to refer to this Control Number. The caller then gives you a 6 digit number. 'Do you need me to read it again?' 

Here's the IMPORTANT part on how the scam works. The caller then says, 'I need to verify you are in possession of your card'. He'll ask you to 'turn your card over and look for some numbers'. There are 7 numbers; the first 4 are part of your card number, the next 3 are the Security Numbers that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the 3 numbers to him. After you tell the caller the 3 numbers, he'll say, 'That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?' After you say No, the caller then thanks you and states, 'Don't hesitate to call back if you do,' and hangs up. 

You actually say very little, and they never ask for or tell you the Card number. But after the call, we called back within 20 minutes to ask a question. Are we glad we did! The REAL VISA Security Department told us it was a scam and in the last 15 minutes a new purchase of $497.99 was charged to our card. 

Long story - short - we made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What the scammers want is the 3-digit PIN number on the back of the card. Don't give it to them. Instead, tell them you'll call VISA or Master card directly for verification of their conversation. The real VISA told us that they will never ask for anything on the card as they already know the information since they issued the card! If you give the scammers your 3 Digit PIN Number, you think you're receiving a credit. However, by the time you get your statement you'll see charges for purchases you didn't make, and by then it's almost too late and/or more difficult to actually file a fraud report. 

If you receive a call you can just hang up and then file a police report, as instructed by VISA. The police said they are taking several of these reports daily! They also urged us to tell everybody we know that this scam is happening.  As always you can contact our Card Services Department with questions, 783-2096 x2015. 


Fraudulent Activity with Debit/Credit Cards

We have been notified that some members are receiving automated calls saying they are from Community Credit Union and wanting to verify account information.  Please know that this is a SCAM!!!  Do not follow any of the prompts or provide any of your personal information.  Community Credit Union would never call and ask for your personal information or for you to verify account information in this manner. Please call the Credit Union with any questions at 207.783.2096. 

Recently many debit and credit card users experienced some fraudulent charges caused by a possible breach in a merchant’s system. First and foremost, please know that you can always give us a call to discuss any issues or questions you may have. 

Here are a few other things to keep in mind. 

  • Members have zero liability as all signature-based transactions are protected by zero liability fraud protection so no member will lose any money as result of any fraud that has or may occur
  • We have a number of advanced fraud protection and fraud prevention systems in place that operate 24 hours a day, 365 days a year to identify and eliminate fraudulent card activity
  • We have reissued cards that have been or could have been involved in any fraudulent activity associated with any breach
  • Remember to always protect yourself and watch out for fraudulent or unusual activity: monitor and review your accounts on a regular basis and report any unusual charges and activity; do not give out any personal information via phone or email, as financial institutions and/or credit card companies will not ask for this information in this manner; report any suspicious solicitations and activity to your financial institution and local authorities

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Text Message Fraud

The Maine Credit Union League has been notified that a phishing scam involving text messages is currently affecting Credit Union members. The text message indicates that the members ATM Card have been frozen. The member is requested to call a 1-866 number to reactivate their card by entering the full 16-digit card number and their PIN. THIS IS A SCAM and one of the most recent forms of phishing attempts for personal financial information. 

Community Credit Union would not attempt to contact you regarding fraud on your account through a text message. Although we are not currently experiencing this fraudulent activity with any of our member's accounts, please contact the Credit Union if you are contacted in this manner to check the validity of the information. 

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