Here are a few basic steps you can take to avoid becoming a victim of identity theft and pretext calling:
Identity theft is the fraudulent use of a person's personal identifying information. Often, identity thieves will use another person's personal information, such as a Social Security number, mother's maiden name, date of birth, or account number to open fraudulent new credit card accounts, charge existing credit card accounts, write share drafts, open share accounts, or obtain new loans. They may obtain this information by:
Stealing wallets that contain personal identification information and credit cards.
Stealing credit union statements from the mail.
Diverting mail from its intended recipients by submitting a change of address form.
Rummaging through trash for personal data.
Stealing personal identification information from workplace records.
Intercepting or otherwise obtaining information transmitted electronically.
Pretext calling is a fraudulent means of obtaining a person's personal information. Pretext callers may contact credit union employees, posing as members, to access members' personal account information. Information obtained from pretext calling may be sold to debt collection services, attorneys, and private investigators to use in court proceedings. Identity thieves may also engage in pretext calling to obtain personal information to create fraudulent accounts.
Do not share personal information, such as account numbers or social security numbers, over the telephone, through the mail, or over the Internet, unless you initiated the contact or know with whom you are dealing.
Store personal information in a safe place and tear up old credit card receipts, ATM receipts, old account statements, and unused credit card offers before throwing them away.
Protect your PINs and other passwords. Avoid using easily available information such as your mother's maiden name, your birth date, the last four digits of your Social Security number, your phone number, as identity thieves can use this information to access your accounts.
Carry only the minimum amount of identifying information and number of credit cards that you need.
Pay attention to billing cycles and statements. Contact the credit union if you do not receive a monthly bill. It may mean that the bill has been diverted by an identity thief.
Check account statements carefully to ensure all charges, share drafts, or withdrawals you authorized.
Guard your mail from theft. If you have the type of mailbox with a flag to signal that the box contains mail, do not leave bill payment envelopes in your mailbox with the flag up. Instead, deposit them in a post office collection box or at the local post office. Promptly remove incoming mail.
Consumers are entitled to one free credit report from each credit reporting bureau annually.
to learn more.
If you prefer not to receive pre-approved offers of credit, you can opt out of such offers by calling:
(888) 5 OPT OUT. (888-567-8688)
If you want to remove your name from many national direct mail lists, send your name and address to:
DMA Mail Preference Service
P.O. Box 9008
Farmingdale, NY 11735-9008
If you want to reduce the number of telephone solicitations from many national marketers, send your name, address, and telephone number to:
DMA Telephone Preference Service
P.O. Box 9014
Farmingdale, NY 11735-9014
FBI Check Fraud Alert
If you can answer "Yes" to any of the following questions, you could be involved in a Fraud or about to be scammed!
Is the CHECK from an item you sold on the Internet such as a car, boat, jewelry, etc?
Is the amount of the CHECK more than the item's selling price?
Did you receive the CHECK via overnight delivery service?
Is the CHECK connected to communicating with someone by email?
Is the CHECK drawn on a business or individual account different than the person buying your item?
Have you been informed that you were a winner of a LOTTERY?
Have you been instructed to WIRE, SEND or SHIP MONEY, as soon as possible to a large US city or to another country such as Canada, England, or Nigeria?
Have you been asked to PAY money to receive a deposit from another country such as Canada, England, or Nigeria?
Are you receiving PAY or a COMMISSION for facilitating money transfers through your account?
Did you respond to an email requesting you CONFIRM, UPDATE or PROVIDE your account information?
If so, TELL BRANCH PERSONNEL IMMEDIATELY!