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Identity Theft Brochure
Fraud Alerts

We will never send an e-mail, text message, or make calls requesting account number, PIN or debit/credit card information. Never respond to a request for this information. If you would like more information or wish to report that you have been a victim of a scam, please call us at 1-800-226-6673 or e-mail us at: security@pefcu.com. Also, you may file a complaint at www.ftc.gov, and visit the FTC’s Identity Theft web site at www.consumer.gov to learn how you can minimize the risk of damage from ID theft. If you have inadvertently given away personal or financial information, you may take steps to protect your identity now at www.antiphishing.org or call 1-877-ID-THEFT (1-877-438-4338).

The following alerts have been brought to our attention by members or the media:

VISA 911 - Scam

We received reports of scammers trying to convince members they are calling from Visa and they are asking for credit card or personal information. They may threaten to block your credit card if you do not verify your information with them.  

These scammers set up their phone systems to show a legitimate business phone number, but the call is not really from that number or company.  The scammers are using the VISA 911 toll-free number, 1-800-847-2911 and they are phishing for your credit card information.  They do not really work for VISA.

Please be aware of this scam and know that VISA 911 will not call you asking for your personal information. 

Mobile and Land Line Phone Phishing Scam

We have been made aware of a phone phishing scam using the National Credit Union Association (NCUA). The phone call is a recording that states your debit card has been blocked and press 1 to confirm, upon pressing 1 you are prompted to enter your debit card number. Please be advised this is a scam and do not respond to this voice mail message. However, if you have already responded and entered your Checkmate Visa Debit Card number, please log on Webb-it and block your card(s) immediately or call the CAT system at 1-800-226-7611 to block your cards.

New Scam – President Obama will pay your Utility Bills
 
A new scam claiming that President Obama will pay your utility bills through a new federal program has been reported by several U.S. utility companies and their customers.
Consumers have been contacted in person and through fliers, social media and text messages with claims that President Obama is providing credits or applying payments to utility bills.
 
To receive the money, scammers will ask for the consumer’s social security and bank routing numbers. In return, customers are given a phony bank routing number that will supposedly pay their utility bills.
 
To avoid this Scam and as a general rule: 

- Never provide your social security number, credit card number or banking information to anyone requesting it over the phone or at your home unless you initiated the contact and feel confident with whom you are speaking.
- If you receive a call claiming to be your utility company and feel pressured for immediate payment or personal information, hang up the phone and call the customer service number on your utility bill.
- Never allow anyone into your home to check electrical wiring, natural gas pipes or appliances unless you have scheduled an appointment or have reported a utility problem.  Also, ask utility employees for proper identification.
- Always think safety first. Do not give in to high pressure tactics over the phone for information or in person to get into your home.

Phishing Alert – Email claiming to be from Federal Reserve Bank

We have received reports that individuals and/or companies have received a fraudulent e-mail that appears to be sent from the Federal Reserve. The subject line of the e-mail states: “Wire transfer was canceled.” The e-mail includes a link which is almost certainly an executable file containing a virus or other malware. Do not click on the link. Be aware that phishing e-mails frequently have links to Web pages that host malicious code and software. Do not follow Web links in unsolicited e-mails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious. If malicious code is detected or suspected on a computer, consult with a computer security specialist to remove malicious code or re-install a clean image of the computer system. Always use anti-virus software that is automatically updated.  Be alert for different variations of fraudulent e-mails.

Cell Phone-Text Messaging Scams

Below are examples of some of the recent scams that have been sent to members and non-members via text message:
 
- PEFCU Has Deactivated Your Debit Card. PleaseCall: XXXX
- Your_Debit Card_has_been_Deactivated. To_Reactivate_Call XXXX.
- Alert: Your CARD has been DEACTIVATED. Please contact us at XXXX to  
- REACTIVATE your CARD.
- PEFCU has locked your account/card. Please contact us immediately at: XXXXX
- Call us at XXX-XXX-XXXX to find out why your Debit/ATM card was blocked.

- PEFCU please call us immediately at XXXX regarding restrictions placed on your account.

Please Note: We will never send an e-mail, text message, or make calls requesting account number, PIN or debit/credit card information. Never respond to a request for this information. If you would like more information or wish to report that you have been a victim of a scam, please call us at 1-800-226-6673 or e-mail us at: security@pefcu.com. Also, you may file a complaint at www.ftc.gov, and visit the FTC’s Identity Theft web site at www.consumer.gov to learn how you can minimize the risk of damage from ID theft. If you have inadvertently given away personal or financial information, you may take steps to protect your identity now at www.antiphishing.org or call 1-877-ID-THEFT (1-877-438-4338).

Pop-up Windows – showing up while visiting www.pefcu.com

We have begun hearing complaints that members are seeing “Pop-up” windows while they are visiting the web page. These “Pop-up” windows are targeting Financial Institution web sites to get member/customer personal information. Please do not give out any information regarding your account: Account numbers, PIN numbers, Card numbers, or Expirations dates – as well as – any personal information. We will never contact you or allow solicitations from us through a “Pop-up” window, through phone calls, e-mail, or through text messages. These “Pop-up” windows are a caused by a compromise of the member PC and not the Credit Union systems.
 
If you have received a “Pop-up” window while visiting our web site, please report this incident to us at 1-800-226-6673 or e-mail us at: security@pefcu.com
 

Lottery/Sweepstakes Scam

Letters and e-mails are being sent to consumers nationwide, claiming that they have won a certain amount of money from a lottery or sweepstakes outside of the United States. Included with the letter is a check made out for a portion of the amount won. The victim is instructed to deposit the check, and then wire a smaller amount of cash to the perpetrator to cover the processing, surcharges, and/or taxes. This is where the scam artists make their money. They take the cash the victim wired then disappear. By this time the victim’s financial institution realizes the check is counterfeit, and in addition to what they sent the perpetrator, the consumer usually has spent a good amount of the money they deposited and are unable to pay the bank back.

The best way to protect yourself is to avoid this scam altogether – remember receiving winnings from a lottery or sweepstakes outside of the United States you never entered is not only unlikely, it’s illegal! So, shred any such letters and do not respond. Currently, there is almost nothing police can do about this crime – but information can be reported to the Office of the Inspector General at www.usps.com as it is considered a type of mail fraud.

 
Help in Fighting ID Fraud - Get Your Free Credit Report and Reduce the Risk  of  Fraud

You can now get your credit report for free. A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report, at your request, once every 12 months. You may order your reports from one, two, or all three of the nationwide consumer reporting companies at the same time, or you may stagger your requests. It's your choice.

How can you order your free credit report? Visit www.annualcreditreport.com, call 1-877-322-8228, or complete an Annual Credit Report Request Form and mail to:

Annual Credit Report Request Service, PO BOX 105281, Atlanta, GA 30348-5281.

A copy of the request form can be found at www.annualcreditreport.com.
Do not contact the three nationwide consumer reporting companies individually. They are only providing the free annual credit reports through the sources listed above.
Web Site Security
Phishing Brochure
Preventing and Responding to Identity Theft (ID Theft)
Heartbleed OpenSSL Vulnerability
IRS Phone Scam Warnings
EHL
NCUA

The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. For more information on the NCUA, please visit their website at www.ncua.gov.