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Fraud Information for Everyone |
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National Fraud Information Center Toll-free number: 1-800-876-7060 Website address: www.fraud.org Write to: National Fraud Information Center PO Box
65868
Washington DC 20035 How can you tell if
you've become a victim of fraud? -Unexplained charges or withdrawals
from your financial accounts -Failing to receive bills or other
account information -Receiving calls
from collectors or companies about credit you didn't apply for, or
merchandise or services you didn't buy -Receiving credit cards for which
you did not apply -Receiving bills from unfamiliar
sources -Receiving letters that ask you to
confirm address changes that you did not initiate
-Denial of credit for no apparent reason If you
believe you are a victim of fraud, contact the National Fraud Information
Center for information about what steps to take to protect yourself. |
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E-mail Threats |
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The staff at UNICU
have received a number of forwarded email from the faculty, staff and
students of the University in which the senders are posing to be the Credit
Union or a federal agency related to Credit Unions. In these email it advises you to click
a link and verify your personal information (credit union account number,
Social Security number, etc.). Please be advised the
Credit Union will never ask for your personal information via an email. The only time you will be asked for
account number information is when you sign up for our Online Account Access
service and this must be initiated by you, not the Credit Union. If you receive one of these email please forward it to our
Member Services email address at memberservices@unicreditunion.org. We will ensure the proper authorities
are advised. If you have
additional questions, please read the information below regarding Personal
Information Security Threats or contact one of our representatives at
319-273-2479. |
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Personal Information Threats |
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There are a number of methods that
offenders employ to use your personal information - such as your name, address,
phone number, Social Security Number, or bank or credit card account numbers
- without your knowledge to personally profit at your expense. -Phishing
and Spoofing.
Phishing and spoofing enable offenders to obtain personal information via
e-mail and the Internet. With phishing and spoofing, an e-mail header is
forged to make it appear as if it came from someone other than the actual
source. The fraudulent e-mail message may direct you to a Web site that looks
just like the legitimate source's Web site, but isn't. In these cases, the
e-mail or pop-up messages are used to deceive you into disclosing sensitive
personal information so that the offender may use your information to make
fraudulent purchases, access your accounts or steal your identity. Any reputable agency which asks for
personal information via the internet will have their website secured with an
SSL Certificate Authority. How do
you know if it is secured? View
the address on the page you are being asked to place the information. If it reads HTTP is NOT a secure
site. If the address starts with
HTTPS it is secure. If for some
reason, you still feel uncomfortable after knowing the page address begins
with HTTPS or you cannot locate the page address then do not give out your
personal information. To learn more we encourage you to read "You Can
Fight Identity Theft", a valuable resource (.pdf brochure) on the FDIC
Web site, www.fdic.gov. -Identity
Theft.
Identity theft occurs when your personal information is used by someone else
to open new accounts or initiate transactions in your name. Identity theft
occurs through a number of ways offline - from stealing wallets and purses,
intercepting and rerouting mail or rummaging through garbage. To learn more,
visit www.consumer.gov/idtheft, the -Skimming. Skimming, which occurs when your
credit or debit card account information is captured in a data storage
device, is a practice offenders employ to create counterfeit credit or debit
cards from your account information. Your card may be swiped first for an actual
purchase, and then swiped again into a small hand-held device called a
skimmer, or a skimmer may be attached to an ATM machine or unattended gas
pump where you swipe your card or enter your card information. If
You Become a Victim How can you tell if
you've become a victim of fraud? -Unexplained charges or withdrawals
from your financial accounts -Failing to receive bills or other
account information -Receiving calls
from collectors or companies about credit you didn't apply for, or
merchandise or services you didn't buy -Receiving credit cards for which
you did not apply -Receiving bills from unfamiliar
sources -Receiving letters that ask you to
confirm address changes that you did not initiate -Denial of credit for no apparent
reason |
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Are you at Risk for identity
theft? Take
our identity theft IQ (Identity Quotient) test and find out!
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about NCUA and Equal Housing Opportunity.
We Do Business in Accordance With the Federal Housing
Law and the Equal Credit
Federally Insured by NCUA