Phishing and Vishing Scams
You receive a call or text message on your cell phone stating that your ATM or debit card has been blocked and you cannot do any transactions on it unless you press 1 to reactivate your card or call back on a toll free number”. If you press 1 or call back the toll free number, you are asked to input your sixteen digit card number and your PIN. DO NOT DO THIS. This is a scam to get your card numbers.
If you did receive this call and gave your card number by pressing 1 or calling back the toll free number, contact us immediately so we can protect your account. During regular business hours, please call CGFCU at 518-828-5216 or 518-303-4801. After hours, please call 1-800-682-6075 to block your card.
Here is what is happening: When you get a call you may see that the call is coming from 1-843-884-6884 (for example), or you may see 347, 999-304 or some other unidentified number. The fraudster is spoofing that number which means he makes it look like the number that is calling you is a company. Actually they are calling from a different unknown number.
How did they get your cell number? They are doing something called “war dialing”. The fraudster starts with a local area code and a local exchange and randomly generates the last four digits to create a phone number to call or text. Then they take the batch of phone numbers they have compiled and send out mass calls. This is called a major vishing scheme that can affect other financial institutions both locally and nationwide. For example: people who do not even have a debit card can receive these calls or you may even receive a call identifying a financial institution you don’t even do business with.
Note: Any call that asks you to input your PIN or card number is not a legitimate call. Columbia-Greene Federal Credit Union will never ask you to input your card number and PIN via phone, text message or in an e-mail.
Your Credit Union is constantly working to protect you and your accounts from these types of scams.
Cell Phone Text Message Vishing Scams
Users of vishing scams use a combination of emails and phone numbers to make contact with their intended victims - the term vishing is short for "voice phishing". Identity thieves send fraudulent email falsely warning victims that their credit union, bank account or PayPal accounts have been compromised. Unlike phishing emails, there is no website address in these messages. Instead, the victim is urged to call a phone number to verify account details.
When an unsuspecting victim calls the phone number, an automated voice message says: "Welcome to account verification. Please type your 16-digit card number." In these reported scams, no mention of the credit union, bank or PayPal is made.
Security experts tracking this scam find the frauds particularly despicable because they imitate the legitimate ways people interact with financial institutions. In fact, some vishing attacks don't begin with email. Some come as calls out of the blue, in which the caller already knows the recipient's credit card number. This increases the perception of legitimacy, the caller asks for the valuable three-digit security code on the back of the card.
Be aware of Vishing
Do not be intimidated by an email or caller who suggest dire consequences if you do not immediately provide or verify information.
Never call a number that you receive from a spam email. If you unknowingly reach an automated voice message that asks you for private information, do not enter it. If you want to contact your bank, use the normal phone number you regularly use, never the phone number you get in an email.
Identity theft is a serious crime. People whose identities have been stolen spend a lot of time and money cleaning up the mess made of their good name and credit record. Victims may even lose jobs or get arrested for crimes they didn't commit.
Today, most identity thieves are seeking paper records. In fact, only 11% percent of identity theft cases involve online information. Conventional methods such as lost or stolen wallets, misuse by family or friends, and theft of paper mail are the most common ways that thieves gain access to your information. Family members, relatives, friends and neighbors make up half of all known identity thieves.
Thieves want your name, address, driver's license number, Social Security number, mother's maiden name, birth date, or financial information such as your bank account or credit card number.
What can they do with this information?
- Credit Card Fraud - Identity thieves can open a credit card in your name or take over your credit card account. When they use your accounts to run up exorbitant charges, you will be liable for the debt.
- Communications Services - Identity thieves can open home or cell phone accounts, or put their utility bills in your name.
- Bank Fraud - Identity thieves can open bank accounts or take out loans in your name.
In all of the above scenarios, you would be held liable for debts that are run up by the person who stole your information. Prevent identity theft from happening to you.
Prevent Identity Theft
The following guidelines can help you avoid becoming a victim of identity theft.
- Don't carry a Social Security card or documents containing your Social Security number in your wallet or purse. Give out your Social Security number only when absolutely necessary.
- Don't carry any credit or debit cards that you don't absolutely need. If you have credit cards that you are not using, cancel them in writing to the issuing financial institution. Then cut the cards into small strips before disposing. Never write your PIN on anything you carry with you.
- Check your credit card bills and financial statements each month and look for any activity you don't recognize. The quicker you spot a problem, the more apt you are to limit the damage.
- Make front and back copies of your credit cards and keep them somewhere secure. It's important to have this information on hand if you need to report your card lost or stolen.
- Be careful when disposing of "pre-approved credit" offers that you receive in the mail. If possible, shred them.
- Take all outgoing mail to the post office or deposit it in a postal service box in your neighborhood. Be sure to pick up your incoming mail soon after delivery.
- Don't give out personal information in person, over the phone, by mail or on the Internet unless you made the initial contact or are certain you know the people to whom you are giving your information.
- Make sure that you secure your important documents with personal information in a lock box or safe. When regular bills don't show up in the mail, follow up with the company. When you reorder personal checks, arrange to pick them up rather than have them sent to your home.
Report Lost/Stolen Card
Visa® Debit Card
- To report a lost or stolen CGFCU Visa® Debit Card, call 800-682-6075 immediately or log on to reportmycards.com.
- Then, click here to access the necessary paperwork that will allow CGFCU to block your card and issue a replacement
- To dispute a change on your card, simply fill out this form and return it to us immediately.
Protecting Your Privacy
CGFCU is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice and to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a member services representative at (518) 828-5216 or (518) 303-4801.
We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide services to us or additional financial products for us for you to consider.
Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to them to other third parties.
Information We Collect and Disclose About You
We collect the following non-public personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing or business agreements.
From membership and loan applications and other forms, we obtain information such as name, address, social security number and income. From your transactions with us or other companies that work closely with us to provide you with financial products and services, we obtain information such as your account balances, payment history, parties to transactions and credit card usage. From consumer reporting agencies, we obtain information such as your creditworthiness and credit history. From verifications of information you provide on applications and other forms, we obtain information from current or past employers, other financial institutions and other sources listed on the application.
We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow instructions as you authorize or protect the security of our financial records.
If you terminate your membership with CGFCU, we will not share information we have collected about you, except as permitted or required by law.
How We Protect Your Information
We restrict access to non-public personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in importance of maintaining confidentiality and member privacy. We maintain physical, electronic and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non-public personal information.
* This disclosure is required annually by NCUA regulations & Federal Law
Informational sites about Fraud Protection:
New Fraud Alert Prevention Service
Further Protection of Your CGFCU Accounts
In our continuing efforts to keep your accounts secure, we’ve improved our alert system for potential fraud. Here’s how it works:
- When potential fraud is detected, you will receive an automatic email notification, with the option to reply with “fraud” or “no fraud.”
- One minute after the email, you will receive a text alert, which also has the “fraud” or “no fraud” option.
- If there is no response received, you will then receive automatic phone calls to confirm or deny fraud. The call will also give the option of speaking to a fraud analyst.
Remember – our messages will never ask for your PIN or account number.
The phone number for our Fraud Center has changed to 1-800-417-4592. If you add this number to your phone contacts and label it “Fraud Center,” it will display on your phone whenever you get a call from this number.
As one of our main missions as a credit union is to help protect your accounts against fraudulent activity, this new alert system will provide another level of additional security.
Columbia-Greene Federal Credit Union or any financial institution related to the credit union will NEVER ask you for any personal or account information via emails, telephone calls, faxes or text messages. If you are ever contacted in this manner, do not give out any of your personal or financial information.
Contact Columbia-Greene FCU at 518-828-5216 or 518-303-4801 directly with any questions or concerns.