Internet Security and Fraud Alerts
Telephone & Email Scams
Our nation has been flooded with TELEPHONE and EMAIL scams.
Use extreme caution when receiving phone calls or emails stating they are from a financial institution.
If you receive a phone call requesting your account information you should hang up and if you receive an email delete it immediately.
Never give personal or account information over the phone or in an email.
**Citizens Federal Savings and Loan will not call or email you asking for personal account information.
If you have any questions, please feel free to contact us at 937-593-0015.
The two more scams are, credit card via the phone, and "phishing" by email, is a new threat effecting many people. Please read below, so that you too do not fall victim to fraud.
VISA and Mastercard Fraud - People are receiving phone calls at home from "Visa" or "Mastercard" Fraud departments (which are fake). NEVER, NEVER give your card number, or three-digit number found on the card back, to anyone over the phone who calls you.
The scam works like this: A person calls, gives their name, and states that they are calling from the Security and Fraud Department at VISA. They may provide a Badge number. They state that your card has been flagged for an unusual purchase pattern, and they are calling to verify. They state the bank name, and ask if you have purchased a product like "an Anti-Telemarketing Device for $497.99 from a marketing company based in Arizona"?
When you say "No", the caller says they will be issuing a credit to your account. They then verify your address, and provide you with instructions to call the 800# listed on your VISA card and ask for Security. They advise you will need to refer to a control number they furnish.
They then ask to verify the card in your possession. They indicate there are three numbers on the back of the card used to make internet purchases, and ask that you read those three numbers back to them. The scammers indicate they wish to verify the card is in your possession. WHAT THE SCAMMERS WANT IS THE THREE DIGIT NUMBER ON THE BACK OF THE CARD. DO NOT GIVE THAT NUMBER OUT!
Phishing Fraud- There has been a barrage of e-mails to consumers that warn of problems with an account or promote a special offer, and then direct you to a web site that appears to belong to a reputable company like America Online, Earthlink, AT&T, Yahoo, VISA, Amazon.com, eBay, etc. This is the latest scam created by hackers call "Phishing".
Phishing is the practice of sending fraudulent e-mail messages to addressees requesting them to supply confidential information. The message can be directed at a smaller number of targeted recipients, but is most often mass-mailed or "spammed" to thusands of potential victims. The e-mail isdisguised to look like a request from a legitimate organization such as a thrift, a credit card company, or a retail merchant with which recipients may already have a business relationship. Often the message includes a warning regarding a problem related to the recipient's account and requests the recipient to respond by providing specific confidential information. The format of the e-mail typically includes proprietary logos and branding, a "From" line disguised to appear as if the message came from a legitimate sender, and a link to a website or a link to an e-mail address. All of these features are designed to assure the recipient that the e-mail is from a legitimate business source when in fact, the information submitted will be sent to the perpetrator.
Victims may be directed to provide personal account information by responding to the e-mail, or they may be directed to click on a link that takes them to a legitimate looking webpage containg a form on which they are instructed to provide the information. Typically, the information requested includes items such as account numbers, passords, PINs, Social Security numbers or other personal identifying information that will allow the perpetrator to gain access to the victim's accounts, steal the victim's identity, sell the information to others seeking to do the same, or all of these. A consortium of banks, credit unions, credit card companies and online retailers has established an anti-phishing web site, Anti-Phishing.org This web site contains information regarding Phishing, the types of e-mail subject lines phishers use and a form to report Phishing activity.
The following are tips on how to avoid being lured by these Phishing scammers:
1. If you receive an unexpected e-mail stating your account will be closed unless you confirm your billing information, DO NOT reply or click on any links that may be included in the e-mail.
2. Contact the company named in the e-mail to confirm if the information requested is legitimate. Companies do not ask customers to confirm personal information by sending an e-mail or on a pop-up menu.
3. Avoid e-mailing personal and financial information. Always check to be sure that the "lock" icon is on the browser's status bar. It means your information is secure during transmission.
4. Report suspicious activity to theFederal Trade Commission . If you believe you have been scammed, file your complaint atFederal Trade Commission , then visit the FTC's identity Theft web site atFederal Trade Commission /idtheft to learn how to minimize your damage.