Protect Yourself From Identity Theft. Learn more about common scams.
Phishing Scams
Recently, there has been numerous reports of emails notifying people that their accounts have been suspended or deactivated. The email includes a link to login and update personal information. These emails appear to come from legitimate businesses. However, legitimate businesses (including MMCCU) will never email you to request personal information. Do not click on these links. Always treat these phishing attempts with a "healthy skepticism". Just delete these emails. Do not use links in emails to contact what you think is the credit union. Contact us by going to our website, by phoning us, or by stopping in the office. There is also a new scam where the phisher is creating a letter and sending it through the mail to individuals to respond to the letter be calling a phone number. The phisher outlines in the letter that the individual must respond for their own protection. This scam is used in conjunction with other channels to steal valuable personal and financial information of the individual receiving the letter.
Vishing Scams
Vishing, (Voice phISHING) also called VoIP phishing for the Internet phones, is the voice counterpart to phishing. Instead of being directed by e-mail to a Web site, an e-mail or voice mail asks the user to make a telephone call. The call triggers a voice response system that asks for the user's card number or other personal or financial information. The initial bait can also be a telephone call with a recording that instructs the user to phone an 800 number or another area code within or outside of the United States. Central Wisconsin has been a target of this type of scam during the past several months. Other financial institutions and their accountholders have become victims. The scenario has been that a voice message is received indicating that a credit/debit card is blocked or inactivated and the victim should call the phone number provided to reinstate access to the card. Unfortunately, we expect that scams like this will continue.
Smishing Scams
Smishing (SMS phISHING) is the mobile phone counterpart to phishing. Instead of being directed by e-mail to a Web site, a text message is sent to the user's cell phone or other mobile device with some ploy to click on a link. The link causes a Trojan to be installed in the cell phone or other mobile device.
Internet Scams
The types of Internet scams are almost unlimited. From getting a college degree to buying Viagra cheap and without a prescription, you can find it on the Internet. While the Internet is a modern marvel, please practice safe surfing and employ "healthy skepticism" about the information you are obtaining. Be aware of Web site spoofing where crooks create fake or counterfeit Web sites to steal your information. Use your browser's phishing filter, check for security icons and certificates and KNOW who you are dealing with.
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