Identity theft and account fraud continues to rise with the availability and high usage of new technology and social networking. Now more than ever it is important to protect your identity and safeguard your financial accounts both physical and online.
Park Side Credit Union is adamant about protecting its members and services from fraud. We regularly research the latest in online security techniques, fraud prevention, and assist members with ways to help protect their identity. Remember: Park Side Credit Union will NEVER ask for personal information through email, text messages, or by phone.
If you receive a request asking for your card number, password, PIN, or and other personal information please contact us immediately to report them. Do not click any links in emails or respond to phone or text messages. For further questions call your local branch.
Latest Phone Scam
There is a new phone scam. Scammers are calling members and stating debit/ATM cards have been compromised. These calls are NOT coming from Park Side. They may say they are from the NCUA or Universal Credit Services. These are recorded message and should be ignored. If you’ve called them back and given them any information, please contact our offices as soon as possible.
How to Prevent Fraud
Below is a list of most commonly used methods that hackers and criminals can gain access to sensitive information.
Foiling Identity Theft – Adobe PDF
ALERT: There is a phone scammer calling members about past due payments. THIS IS A SCAM. The phone number this person is calling from are 310-827-4916. Please do NOT give out information to your accounts or credit cards. We will not ask for personal information over the phone.
The Internet offers a global marketplace for consumers and businesses. But crooks also recognize the potentials of cyberspace. The same scams that have been conducted by mail and phone can now be found on the World Wide Web and in email, and new cyberscams are emerging. It’s sometimes hard to tell the difference between reputable online sellers and criminals who use the Internet to rob people. You can protect yourself by learning how to recognize the danger signs of fraud. If you are a victim or attempted victim of Internet fraud, it’s important to report the scam quickly so that law enforcement agencies can shut the fraudulent operations down.
Fraudulent Phone Calls
Current false text message circulating:
“Your FCU and CU Visa card has been suspended. Please go to your personal link (site link) to unblock it.”
These messages are NOT from Park Side, they are fraudulent. Please DO NOT click on the link or respond to these messages in any way! If you have received one of these texts, please report it to your local police department. If you have responded to these texts and given your information please call us so we can close your card and order you a new one.
REMEMBER Park Side does not send out Text message warnings or automated telephone call warnings and we do not ask for account information via text message, web link or automated phone call.
Current false text message circulating:
THE CREDIT UNION CENTER ALERT: Your CARD has been DEACTlVATED. Please call 406-888-6391.
These calls are being made at random, the only way these scammer know your number is valid is if you call back or return the text message. DO NOT respond to these messages. If you have any questions call a Park Side branch and confirm.
There has been a recent outbreak in fraudulent calls claiming to be from a credit union asking for members to activate cards or claiming account has been compromised. They ask for your card or member numbers. These calls are made by automated machines that call numbers randomly. No sensitive data, addresses or phone numbers have been comprised, this is a random occurence by fraudulent means.
DO NOT RESPOND TO THESE REQUESTS. Park Side WILL NOT call you to ask for card numbers or other sensitive information. Please call a Park Side branch if you are unsure the phone call is legitimate, but do NOT release any information regarding your account over the phone.
If you have already responded to one of these calls, please call us IMMEDIATELY to have the card closed and reissued to you.
Park Side Federal Credit Union will NEVER ask for personal or account information through email, text messages, on the website, or by phone.
Latest Phishing Alert!
Another Version of Zeus is on the Loose
The Federal Bureau of Investigation (FBI) recently issued an alert on a new version of the Zeus Trojan called Gameover, which is distributed via spear phishing attacks aimed at commercial accounts and ultimately lead to account takeovers. Emails purporting to be from NACHA (The Electronic Payments Association) inform the victim organizations of a failed ACH transaction. The victim’s computer is infected with the Trojan when they click on the link contained in the email.
Wells Fargo Email Scam
Another new email scam contains a subject similar too “CEO Portal Statements & Notices Event”. This email pretends to inform you of document requests and to click on links to download the information. Here is what one version of the email looks like:
This email contains links which appear to go to the Wells Fargo site but in reality, the link goes to Romanian sites. ALWAYS be careful not to click links within emails you’re not sure of. Even if it appears legitimate.
The act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The e-mail directs the user to visit a Web site where they are asked to update personal information, such as passwords and credit card, social security, and bank account numbers, that the legitimate organization already has. The Web site, however, is bogus and set up only to steal the user??s information.
For example, 2003 saw the proliferation of a phishing scam in which users received e-mails supposedly from eBay claiming that the user??s account was about to be suspended unless he clicked on the provided link and updated the credit card information that the genuine eBay already had. Because it is relatively simple to make a Web site look like a legitimate organizations site by mimicking the HTML code, the scam counted on people being tricked into thinking they were actually being contacted by eBay and were subsequently going to eBay??s site to update their account information. By spamming large groups of people, the “phisher” counted on the e-mail being read by a percentage of people who actually had listed credit card numbers with eBay legitimately.
A compound of ‘phishing’ and ‘SMS’. SMiShing (SMS phishing) is a type of phishing attack where mobile phone users receive text messages containing a Web site hyperlink, which, if clicked would download a Trojan horse to the mobile phone. The term SMiShing was coined by David Rayhawk in a McAfee Avert Labs blog on August 25, 2006.
The act of using a skimmer to illegally collect data from the magnetic stripe of a credit, debit or ATM card. This information, copied onto another blank card’s magnetic stripe, is then used by an identity thief to make purchases or withdraw cash in the name of the actual account holder.
Skimming works by replacing a card reader like an ATM with a camouflaged counterfeit card reader. The counterfeit reader records all of the data on a credit, debit or ATM card as it passes through the skimmer. In addition to ATMs, other locations where card skimming happens include restaurants, taxis or other businesses where an employee will take the card from the actual account holder in order to run the charge. In these instances, the thief has fitted the card reader with a skimmer, or uses a hand-held skimmer hidden in a pocket.
Definitions courtesy of Webopedia.com copyright 2011
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