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ALERTS!!

HEARTBLEED BUG

April 10, 2014 FSU Credit Union and affiliated vendors are in the process of completing a thorough review of online security in response to published information of an internet security vulnerability, known as Heartbleed. Current analysis and findings indicate that at this present time, we do not believe that the Heartbleed bug poses a significant risk to our members. We are taking all preventative measures available to ensure that our members data is secure.

However, members should take regular steps to use best practices in securing all passwords for home banking, mobile banking, etc. Some of those best practices are as follows:

1. Make sure that you are using secure passwords that include both upper and lower case letters, numbers, and special symbols. It is always a good idea to change this password on a regular basis.
2. Please verify that the Credit Union has up-to-date addresses, email addresses, and phone numbers for all your accounts so that we can contact you in case there are problems with your account.
3. Signing up for e-Lerts will notify you immediately should there be unusual activity on your account.
4. If your email address on your account is changed, confirmation emails will be sent to both old and new email addresses for your safety.

TARGET COMPROMISE

December 27, 2013 The recent data breach announced by Target at its stores in the U.S. between November 27 and December 15 has created a high number of inquiries from Florida State University Credit Union members regarding the security of their credit and debit card accounts. We want to assure members that your accounts with us are monitored 24/7 by an experienced team of security professionals for any suspicious or potentially fraudulent activity. Florida State University Credit Union employs the most advanced fraud detection and prevention technology to guard members' credit and debit accounts against unauthorized access and use.

Here's a quick update for your peace of mind: " We are aware of the accounts that are known to have been used at Target stores on the dates noted above and we are watching the activity on these accounts closely. " Our member service contact centers are experiencing unusually high call volume as a result of this breach and the coverage it has received in the media. Unless you see any suspect transactions on your Florida State University Credit Union credit or debit accounts, there is no need to call. " If our security team observes any unusual activity on member accounts, we will contact members immediately to determine whether the transaction activity is legitimate and authorized. " It is also a good practice for members to keep a watchful eye on their accounts and transactions and look for any unauthorized activity or purchases. We will continue to monitor all members' accounts for suspicious activity. Thank you for being a valued member of Florida State University Credit Union.

DEBIT CARD PHONE SCAM

October 4, 2013 We have been notified of a scam where calls are being made requesting debit card information. The consumer is told that their debit card has been deactivated and they need to enter their debit card number to activate their card. This is NOT the Credit Union or our processor PSCU calling. We will never call our members and request this type of information. If you received this type of call and gave out personal account information, please contact the credit union at once so we can assist you in reporting your debit card as compromised and ordering you a new one.

FinCEN Reminds the Public to be Wary of Fraudulent Correspondence and Phone Calls

July 10, 2013 The Financial Crimes Enforcement Network (FinCEN) reminds the public to be alert to ongoing financial scams that attempt to solicit funds from unsuspecting victims. FinCEN has been receiving calls and reports of financial scam attempts conducted via telephone. In this scam the caller represents himself/herself as an employee of FinCEN and asks for the victim by name, either at the victim's home or work number. The caller will identify an outstanding debt; this debt may be actual or bogus. The caller will provide the victim with the victim's account, Social Security or other similar number and demand that immediate payment be made. The caller's knowledge of the victim's name, telephone number, account description and personal information serve to legitimize the caller. FinCEN also has become aware of another financial scam conducted via e-mail and telephone in which an individual claiming to be a representative of the U.S. Department of the Treasury or FinCEN informs the victim that he/she has received a large Treasury Department grant. To obtain the grant, the victim is instructed to provide bank account information and make some type of initial payment or donation. Recipients of these calls, letters, or e-mails should not respond to such messages, and should not send money or provide any personal or confidential information. Those who believe that they are or have been a victim of a financial scam, should report this information to local, State, or Federal law enforcement authorities. FinCEN does not send unsolicited requests and does not seek personal or financial information from members of the public. FinCEN does not have authority to freeze assets or block funds transfers. In addition, fraudulent correspondence may purport to be from an overseas office of FinCEN. FinCEN does not have any offices outside of the United States.


Phone Scam

February 4, 2013 Automated phone calls are being made notifying consumers that their credit card has been deactiviated. The message then instructs the consumer to enter their card information for their card to be reactivated. Most calls are coming from a 919 area code and are occuring mostly in the Tallahassee area -- not only to FSUCU members. THESE CALLS ARE FRAUDULENT. You should NEVER give out any personal information to an unsolicited phone call, text or e-mail. FSUCU WILL NEVER ASK YOU FOR SUCH IMFORMATION, NOR WILL ANY FEDERAL AGENCY OF THE U.S. GOVERNMENT. In the event you have already relinquished this information, please contact FSUCU immediately by dialing 850-224-4960!


Phone Scam

November 7, 2012 We have received recent reports that there are automated phone calls being made notifying consumers that their debit card has been deactiviated. The message then instructs the consumer to press 1 and enter their card information for their card to be reactivated. THESE CALLS ARE FRAUDULENT. You should NEVER give out any personal information to an unsolicited phone call, text or e-mail. FSUCU WILL NEVER ASK YOU FOR SUCH IMFORMATION, NOR WILL ANY FEDERAL AGENCY OF THE U.S. GOVERNMENT. In the event you have already relinquished this information, please contact FSUCU immediately!


Debit Card Phone Scam

February 7, 2012 It has been brought to our attention that members are receiving automated phone calls stating that their bank card has been blocked due to fraudulent activity. The member is then asked to press "1" to unlock their card. The number appearing on caller ID will be either (212)645-0823 or 000-000-0000. If you receive a suspicious call do not give any personal information and hang-up. If you received this call and gave your information, please report the card lost to a credit union representative at (850)224-4960.


Phone Phishing Scam

February 3, 2012 We were recently informed about a scam were someone calls you and identifies themselves as working for Microsoft, or another computer business. They state that a problem was reported from your computer and that they are calling to fix the problem. They will then ask for your IP address or other personal information that will allow them to gain access to your computer. This is a scam.

In short - If you receive a phone call claiming to be from ‘Microsoft’ or someone claiming to work on their behalf, telling you that you have a virus on your computer which they will help you fix over the phone, It Is A Scam. Hang up the phone, do not let them have remote control access to your computer and do not give them any money.

Quote from Microsoft: “Microsoft takes the privacy and security of our customers and partners personal information very seriously. We are advising customers to treat all unsolicited phone calls with skepticism and not to provide any personal information to anyone over the phone or online. Anyone who receives an unsolicited call from someone claiming to be from Microsoft should hang up. We can assure you Microsoft does not make these kinds of calls.” For more information on this scam and how to protect yourself against this, please click here: http://www.microsoft.com/protect/fraud/phishing/Msname.aspx


Email Phishing Scam

May 11, 2011 We were made aware of a phishing scam perpetrated by individuals who are claiming to be representatives of Florida State University Credit Union (FSUCU). Fraudsters may send you an email that looks like it has come from FSUCU. These emails ask you to go to a website through a link within the email. The website may also look like FSUCU's website, and there you will be asked to provide your confidential information.

This is called "Phishing" or "Spoofing" and it is the most common type of online fraud. Fraudsters send these Phishing messages to a large list of random email addresses, hoping to reach a few members with the email. The Spoof websites are designed to steal personal and financial information.

It is very important to remember that Florida State University Credit Union never asks for personal information through text message, email or by phone. Emails may contain links to our website or other sites related to our industry. If you prefer not to use the link in the email, please visit our website by typing our web address into your web browser. Please contact us immediately if you ever have questions or concerns about suspicious emails you may have received from us.


Fraudulent Cashier's Check

July 2010 If you receive an email or letter saying you won a lottery and they send you a check? Or you sold something on Ebay and the buyer paid with a check? Or you took out a loan from a distant or online bank and they sent you a check? You can just take the check to your bank and cash it right? WRONG! Click here to learn more. And what is worse, if you cash it, in most states in the US, you may be guilty of passing a counterfeit check, money laundering or worse. Clark Howard did a piece on his radio show about a man in California who was arrested for cashing a bogus check. In other words, by merely attempting to cash the check, you could go to federal prison! Here is an actual example:

I got a letter from a "Western Marketing Inc." requesting that I be a secret shopper. They mailed a check in the amount of $1,995 to cover my training, the service charge and fees for shopping. The letter instructed me to deposit the check and wire $1,500 back to them. I deposited the check and once my bank cleared it I moneygramed money to them and a week later their check bounced. Now I have to repay back my bank!

Usually, the scammers will claim that you have to use the money from the first check to pay "fees" and "taxes" before you get the big payout. Gullible people assume that since they receive a real check (counterfeit) it must be legitimate. Remember, ANYONE can print a check, that doesn't mean that the account is real or the money is there! The "you won our lottery" scam is the most common means used by these scammers, but you must be suspicious of ANY check your receive from an unknown or unexpected source.

Actions to Protect Yourself
Here’s how to avoid a counterfeit check scam:

  • Don't pay by check! Credit cards are much safer.
  • Never pay any "fees" for prizes. Throw away any offer that asks you to pay for a prize or a gift. If it’s free or a gift, you shouldn’t have to pay for it. Free is free.
  • Do NOT to enter foreign lotteries. It’s illegal to play a foreign lottery through the mail or the telephone, and most foreign lottery solicitations are phony.
  • Never wire money to strangers. If a "lottery", "promotion" or buyer insists that you wire back funds, end the transaction immediately. Legitimate buyers don’t pressure you to send money by wire transfer services. In addition, you have little recourse if there’s a problem with a wire transaction.
  • If you’re selling something, don’t accept a check for more than the selling price, no matter how tempting the offer or how convincing the story. Ask the buyer to write the check for the correct amount. If the buyer refuses to send the correct amount, return the check. Don’t send the merchandise.
  • Only take checks from local banks - If you accept payment by check, ask for a check drawn on a local bank, or a bank with a local branch. That way, you can make a personal visit to make sure the check is valid. If that’s not possible, call the bank where the check was purchased, and ask if it is valid. Get the bank’s phone number from directory assistance or an Internet site that you know and trust, not from the check or from the person who gave you the check.
  • Resist any pressure to “act now.” If the lottery is real or the buyer’s offer is good now, it should be good after the check clears.
  • Quick Summary: What Can you Do?
    You can check the name of the issuing bank on the check with the names of banks that have reported stolen checks and you can call the bank to

    • verify that the account number on the check is legitimate and
    • matches the name on the check and
    • has sufficient funds.

    You can go to this website and verify the routing number on the check and get the bank's phone number, then call the bank to verify that the account is real and the check is real.

    If you believe you may have fallen victim to this type of scam and wish to report it, please file a complaint with the U.S. government Internet Fraud Complaints Center

Fraudulent Text Message

December 2009 Your first defense against identity thieves and other scam artists is being aware of the fraudulent activity that may be taking place. A fraudulent text message is being sent to FSUCU members. The message states that "your account has become deactivated." A telephone number is provided for the member to call. Once called, a recorded message asks for your debit card number and PIN.

FSUCU will never contact you requesting sensitive financial or personal identity information. If you receive an unexpected e-mail, phone call, letter, text message, etc., in which you are asked for your personal or financial information, do not give the information. It is always better to be safe than sorry. If you should mistakenly give your debit card information to these scammers, please call and have the card blocked immediately!

Click here for information on IDENTITY THEFT.



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