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Identity theft is on the rise.  Unlawful individuals secure personal information such as social security numbers and personal account numbers.  Then, the information is used to fraudulently purchase items using that stolen credit information.   In addition to strict credit union privacy policies as well as password protected online transactions that are designed to keep your personal information secure, YOUR HELP is needed to ensure identity theft does not happen to you.  Here are some helpful hints: 

  1. Unless you know the person (or business) you are dealing with is reputable, do not provide personal information such as your account numbers or social security number.
  2. Do not keep personal identification numbers (PINs) written down somewhere that could fall into wrong hands.
  3. When possible, use secure postal service collection boxes to mail in your bill payments (or even better, utilize password protected services such as online bill payment).
  4. Report lost or stolen checks or credit cards immediately.  Your credit union will secure a block on future payments.
  5. Shred financial solicitations, old bills and statements that may included personal account information.
  6. If bills or replacements to soon-to-expire credit/debit cards do not arrive in the mail on a timely basis, contact your providing company or financial institution immediately to confirm mail dates.
  7. Review bills and statements carefully to check for transactions that are questionable.
  8. If it seems “too good to be true”, it just may be!  Phone solicitors asking for you to confirm personal account information are most likely running a fraudulent scamming operation.  

The Fair and Accurate Credit Transaction Act (FACT Act) has been put in place with the goal to help reduce identity theft.  A provision of the FACT Act is that consumers are allowed a free copy of their own credit report annually.  Additional provisions include the National Fraud Alert System, where if you reasonably suspect that you have become a victim of identity theft, you can place an alert on your credit file to alert potential future creditors to proceed with caution.  For additional information about obtaining your free credit report, visit www.annualcreditreport.com or call toll-free 1-877-322-8228 today.

PHISHING

First Community FCU wants you to be aware of new internet schemes aimed at customers and/or members of financial institutions.  These social-engineering schemes use 'spoofed' e-mails to lead consumers to counterfeit websites designed to trick recipients into divulging financial data such as credit card numbers, account usernames, passwords and social security numbers.

First Community Federal Credit Union will not ask its membership via email to update or provide personal information (SSN, D.O.B., Account Number, User Name, Password, etc…)

First Community Federal Credit Union will not ask its membership to redirect from an email to another location.

“Phishers” typically include upsetting or exciting (but false) statements in their emails to get people to react immediately.

  • Regularly check your account statements, as well as credit and debit card statements to ensure that all transactions are legitimate. 
  • If you have fallen victim to a “phishing” scam, follow these steps: 
  • Contact First Community FCU immediately.
  • Notify the Internet Fraud Complaint Center of the FBI by filing a complaint on their website: www.ic3.gov
  • Forward the email to the Federal Trade Commission at spam@uce.gov
  • Forward the email to reportphishing@antiphishing.com