Fraud Watch

Fraud Education Page

Helpful tips, links and articles that will help protect you and your accounts from identity theft, scams and other types of fraud.

Identify Theft Resources:

Credit Bureau Contact Details:

Equifax

Experian

TransUnion

Free Annual Credit Report

Credit bureaus must provide free copies of credit reports to victims of identity theft.


Phishing:

What is 'Phishing'?

Phishing (FISH.ing) is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information.

Example Citations: Phishing is the term coined by hackers who imitate legitimate companies in email messages to entice people to share passwords or credit-card numbers. Recent victims include Bank of America, Best Buy and eBay, where people were directed to Web pages that looked nearly identical to the companies' sites.

What is 'Spoofing'?

Pretending to be something it is not, whether an email, website, etc...

How to report 'Phishing' or 'Spoofing'

We suggest reporting "phishing" or "spoofed" emails to the following groups:

  • Forward the email to reportphishing@antiphishing.com
  • Forward the email to the Federal Trade Commission at spam@uce.gov
  • Forward the email to the "abuse" email address at the company that is being spoofed (e.g. "spoof@ebay.com")

Fraudulent Check Review for Members

WARNING-IF YOU ARE CASHING OR DEPOSITING A CHECK, and can answer YES to any of these questions, ask a teller or other credit union employee for advice!

  • 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 selling price of the item?
  • Did you receive the check via an overnight delivery service?
  • Is the check connected to communicating with someone via e-mail?
  • Is the check drawn on a business or individual account with a name different than the person buying your item or product?
  • Have you been informed you are a winner of a LOTTERY that you did not enter? (Common lottery scam names are Canadian Lottery, Australian Lottery, El Gordo and El Mundo)
  • Have you been instructed to either WIRE, SEND OR SHIP money as soon as possible to a large U.S. City, or to another country such as Canada, England, Russia, The Netherlands or Nigeria?
  • Have you been asked to PAY money to receive a deposit from another country, such as Canada, England, Russia, The Netherlands or Nigeria?
  • Are you receiving PAY or COMMISSION for facilitating money transfers through your account?
  • Did you respond to an e-mail requesting you to CONFIRM, UPDATE OR PROVIDE your account information?



Current Fraud News


NCUA Warns of Text Phishing Scam

Aug. 23, 2016 – The National Credit Union Administration has received consumer calls about a suspicious text message claiming to come from the agency.

The message reads: “National Credit Union Administration Alert for (recipient's phone number). Contact 844-234-5445.”

This is not a communication from NCUA. The agency does not seek personal information through the internet or on the telephone.

Please contact NCUA's Consumer Assistance Center at 1-800-755-1030 between 8 a.m. and 5 p.m. Eastern if you receive one of these messages. NCUA also recommends contacting your credit union and local law enforcement.

You may also contact the Internet Crime Complaint Center, a partnership between the Federal Bureau of Investigation and the National White Collar Crime Center.

NCUA operates an online Fraud Prevention Center that offers information about avoiding frauds and scams on its MyCreditUnion.gov website.

If you suspect you may have become a victim of identity theft as a result of this scam, you should immediately contact the three major credit bureaus and request a fraud alert be placed on your credit report: Equifax (866-640-2272), Experian (888-397-3742), and TransUnion (855-681-3196).


Beware of Holiday Phishing Scams

It's common for fraud to increase during the holiday season. Oregonians CU reminds members to remain vigilant when browsing or shopping online this holiday season. E-cards from unknown senders may contain malicious links. Fake advertisements or shipping notifications may deliver infected attachments. Spoofed e-mail messages and fraudulent posts on social networking sites may request support for phony causes.

To avoid seasonal campaigns that could result in security breaches, identity theft, or financial loss, we encourage members to take the following actions:

If you believe you are a victim of a holiday phishing scam or malware campaign, consider the following actions:

  • File a complaint with the FBI's Internet Crime Complaint Center (IC3).
  • Report the attack to the police and file a report with the Federal Trade Commission.
  • Contact your financial institution immediately. Watch for any unexplainable charges to your account.
  • Immediately change any passwords you might have revealed and do not use that password in the future. Avoid reusing passwords on multiple sites.

FRAUD ALERT (4/16/15): Counterfeit Check Scam

We have been made aware that letters and counterfeit Oregonians Credit Union checks are being mailed out to people across the country. The letter gives people information on how to carry out mystery/secret shopping jobs at various stores by purchasing gift cards. There is also a version that involves vehicle wrap marketing. THIS IS A SCAM.  Do NOT attempt to cash these checks! The checks are counterfeit and should not be cashed and you should not wire money or share gift card information with the contact in the letter.

We are not aware of Oregonians CU members specifically being targeted by this scam. If you receive a solicitation, please notify Oregonians Credit Union by email at memberservices@ofcu.com.

Typical Check Scams
The bad guys find a number of different ways to scam their victims, including:

  • You unexpectedly receive notice that you are getting a grant from the government or a foundation and a processing fee is required.
  • A company hires you to work at home as a mystery shopper or processing payments and instructs you to send money somewhere as part of the job.
  • Someone sends you more than the asking price for an item you are selling and instructs you to wire the extra money somewhere else.
  • A stranger sends part of the profits you were promised in a foreign business deal and asks you to pay legal fees to get the rest.
  • Someone you meet online asks you to cash a check or money order as a favor.

Fraud Alert: Automated Phone Call Scam

A recent notification from credit unions indicated members and nonmembers are being targeted with the automated phone call scam. Victims receive automated calls (robo-calls), which play recorded messages claiming to be from a credit union (or bank), requesting verification of financial information (e.g., account number, card number or PIN).  Members should never respond to these calls by providing the requested personal or financial information -- no matter how urgent the message may seem.

ID Theft - you are the first line of defense. Oregonians CU will never ask you to provide, update or verify personal or account information over the phone or through unsolicited e-mail, such as: social security number, member number, credit or debit card numbers or personal identification number (PIN).