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Fraud Tips

Fraud Tips

Your financial security is our top priority.

We are committed to providing you with the necessary information and tools to protect yourself against potential threats and fraudulent activities. Follow these tips to keep your information and money safe. Will you fall for fraud? Take this phishing quiz from Google to see if you will pass.

 

Red Flags to Watch For

Stop, slow down, and think before you act! It could be a scam if:
You feel a sense of urgency that pressures you to act immediately.
You get a package notification for something you didn’t order or it asks to confirm payment information.
You are asked to buy gift cards or transfer funds over the phone, online, or to a strange location.
You hover over a link and it points to a different website or if the hyperlink is long with no information.
If in doubt, reach out to us! Call 731.664.1784 to stay secure and keep your money safe.
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Impersonation Scams
Have you received a strange call or text from a business you know?

Impersonation scams, also known as spoofing, involve fraudsters posing as trustworthy individuals or organizations, like Leaders Credit Union, and it may take the form of phone calls, emails, texts, or in-person encounters. Keep fraudsters at bay with these simple steps:

 

  • Verify the identity of any unusual or unexpected requests for personal info.
  • Be cautious when sharing details, even if the request seems urgent or official.
  • If in doubt, hang up or delete and contact the stated company directly using official info.

Stop, slow down, and think before you act!

Impersonation Scams
Online Scams
Have you ever clicked on a link in an unknown email or text?

Online scams have become increasingly sophisticated and prevalent, so guard your digital world against cyber threats with these tips:

 

  • Don’t click on unknown links in texts or emails or download attachments from unfamiliar sources.
  • Keep your devices updated with antivirus and anti-malware software.
  • Verify the sender’s identity before responding to unsolicited messages.

Stop, slow down, and think before you act!

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Mail Theft
Is your personal info secure?

Mail theft remains a concern, as thieves can use stolen mail to access your financial information, account statements, and other sensitive documents. Protect your sensitive info with these precautions:

 

  • Be cautious when mailing checks — use a USPS Blue Collection Box.
  • Sign up for USPS informed delivery to know what mail to expect.
  • Switch to online bill pay to save on postage and keep info secure.
  • Go paperless! Sign up for e-statements and alerts from Leaders.

Stop, slow down, and think before you act!

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Frequently Asked Questions About
Fraud

Phishing (FISH.ing) pp. Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information. -phisher n.

 

Example Citations:

 

Phishing is the term coined by hackers who imitate legitimate companies in email messages to entice people to share passwords or credit-card numbers. Recent victims include Bank of America, Best Buy and eBay, where people were directed to Web pages that looked nearly identical to the companies' sites.

 

Spoofing is pretending to be something it is not, whether an email, website, etc.

We suggest reporting "phishing" or "spoofed" emails to the following groups:

 

  • Forward the email to reportphishing@apwg.org
  • Forward the email to the Federal Trade Commission at spam@uce.gov
  • Forward the email to the "abuse" email address at the company that is being spoofed (e.g. "spoof@ebay.com")

When forwarding spoofed messages, always include the entire original email with its original header information intact.

 

Notify the Internet Crime Complaint Center (IC3) of the FBI by filing a complaint on their website: www.ic3.gov/complaint/default.aspx.

If you have given out your credit or debit or ATM card information:

 

  • Report the incident to the card issuer as quickly as possible
  • Many companies have toll-free numbers and 24-hour service to deal with such emergencies
  • Cancel your account and open a new one
  • Review your billing statements carefully after the loss

If the statements show any unauthorized charges, it's best to send a letter to the card issuer via regular mail (keep a copy for yourself) describing each questionable charge.

Your maximum liability under federal law for unauthorized use of your credit card is $50 (many financial services companies have different policies so be sure to check with each of them). If the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use; in general, you may only be liable for a very small amount but always check with your card company for their exact policy.

  • Your liability under federal law for unauthorized use of your ATM or debit card depends on how quickly you report the loss.
  • You risk unlimited loss if you fail to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you.
  • Report the theft of this information to the bank as quickly as possible
  • Cancel your account and open a new one

Some phishing attacks use viruses and/or 'Trojan Horses' to install programs called "key loggers" on your computer. These programs capture and send out any information that you type to the phisher, including credit card numbers, usernames, and passwords, Social Security Numbers, etc.

 

If this happens, it's likely you may not be aware of it.

 

To minimize this risk, you should:

 

  • Install and/or update anti-virus and personal firewall software
  • Update all virus definitions and run a full scan
  • If your system appears to have been compromised, fix it and then change your password again, since you may well have transmitted the new one to the hacker
  • Check your other accounts! The fraudsters may have helped themselves to many different accounts: eBay account, PayPal, your email ISP, online bank accounts, online trading accounts, and other e-commerce accounts, and everything else for which you use online password

Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes. If you have given out this kind of information to a phisher, you should do the following:

 

  • Report the theft to the three major credit reporting agencies, Experian, Equifax and TransUnion Corporation, and do the following:
    • Request that they place a fraud alert and a victim's statement in your file
    • Request a FREE copy of your credit report to check whether any accounts have been opened without your consent
    • Request that the agencies remove inquiries and/or fraudulent accounts stemming from the theft

Still have questions? Visit our Help Center.