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Fraud Alert

 
 
August 31, 2014
Fraud Alert / ID Theft

If you become an ID theft victim, check this resource for help: www.idtheftcenter.org


Phishing Scams:  The term 'phishing' refers to a scam that tries to get the recipient to reveal confidential, personal and financial information.  This is how it works:  You, the consumer, receive an email which appears to be from a legitimate financial institution, government agency or other well-known entity.  The email asks you to verify or re-submit personal information by directing you to click on a link in the email.  The link provided appears to be a legitimate web site, but in fact, the web site belongs to the scammer.  Once inside the fraudulent web site, you may be asked to provide Social Security numbers, account numbers, passwords or other confidential information.  If you provide this information, the scammer then has access to your accounts or they may assume your identity. 


Pharming Scam:   Using a false Internet-address ruse called 'domain spoofing' to trick users into thinking they are on a known, secure site while they enter private and financial information.

 

Cardholder Fraud Attack:  Shazam has been alerted to a 'mishing' fraud attack that is targeting cardholders, many of whom are customers of Shazam participating financial institutions.  The attack consists of a text message sent to mobile phones stating "Notice: Issues Found On Your Shazam Mastercard.  Please Call 13035780902!"  This number currently hosts an automated recording demanding the entry of the Personal Account Number (PAN).  Additional confidential information is then requested from the cardholder.  These calls are fraudulent and have not been authorized by Shazam.


Shazam Cardholder Alert:  SHAZAM wants cardholders to be aware of a phishing attack where e-mail messages appear to be from "Shazam Inc. Bank."  SHAZAM never asks cardholders for personal identity data or financial account information via e-mail.  There is also another vishing fraud attack by automated telephone calls in which a prerecorded voice advises the recipient that the call is on behalf of SHAZAM and that the cardholder must "reactivate" his or her card by entering information immediately.   If you receive such a request, do not give out any information, instead contact SHAZAM at "emailfraud@shazam.net".
NOTE: Please do not send account numbers, account requests or other personal information such as a Social Security number via email. 


Internet Buyer Con:  This scheme preys on an honest person selling something on the internet.  The buyer overpays for the item and then asks the seller to return the overpayment.  There are many variations to this scheme.  The buyer may say the overpayment was an error and ask you to return the excess funds by wire or money order.  The buyer may say he will wire the funds but instead sends a check.  In the end, this scheme tricks the seller into depositing the check in his account and then returning the extra funds to the buyer.  The seller is out the money when the bad check is returned.


Jury Duty Scam:  Most of us take the summonses for jury duty seriously, but enough people skip out on their civic duty, that a new and ominous kind of scam has surfaced.  Fall for it and your identity could be stolen.  In this con, someone calls pretending to be a court official who threateningly says a warrant has been issued for your arrest because you didn't show up for jury duty.  The caller claims to be a jury coordinator.  If you protest that you never received a summons for jury duty, the scammer asks you for your Social Security number and date of birth so he or she can verify the information and cancel the arrest warrant.  Sometimes they even ask for credit card numbers.  Give out any information and your identity just got stolen.  In realty, court workers will never call you to ask for Social Security numbers and other private information.
The substance of this can be verified at; snopes.com/crime/fraud/juryduty.asp


Fraudulent E-Mails from the FDIC:  The Federal Deposit Insurance Corporation (FDIC) has issued a Consumer Alert concerning fraudulent emails that appear to have been sent from Donald E Powell, Chairman Emeritus FDIC; John D Hawke Jr., Comptroller of the Currency, and Michael E Bartell, Chief Information Officer, FDIC.  The subject line of the emails read:  "Account Insurance from FDIC" or "FDIC Insurance" and tells recipients that their "account has been denied insurance from the Federal Deposit Insurance Corporation due to suspected violations of the Patriot Act."  Recipients are asked to click on a link to verify personal information which will be checked against a federal government database for identity verification.  Of course, the link is fraudulent, either divulging the personal information to criminals or loading malware on the victims computer.
Financial institutions and consumers should NOT access the link provided within the body of the e-mail and should NOT, under any circumstances, provide any personal financial information through this media.
NEW NOTICE:  The FDIC has received notification of another fraudulent e-mail claiming to be received from the FDIC.  These e-mails are attempting to trick recipients into installing unknown software on personal computers.  These e-mails falsely indicate that recipients should download and open a "personal FDIC insurance file" to check their deposit insurance coverage.  The 'insurance file' may actually be a form of spyware or malicious code and may collect personal or confidential information.
Consumers are asked to report any similar attempts to obtain this information to the FDIC by sending information to alert@fdic.gov.


Credit Card Solicitations:  You can dramatically reduce the number of credit card solicitations being sent your way by asking the credit reporting agencies not to sell your name to credit card marketers and others.  Call 888-567-8688 or go to OptOutPrescreen.com to opt out of solicitations.

 

TIPS TO MINIMIZE YOUR RISK OF ID THEFT

  • Protect your Social Security number.

  • Do not print your SSN on your checks.

  • Do not use your SSN for PIN numbers or passwords.

  • Use a different number than your SSN on your driver's license.

  • Keep your SSN card somewhere other than your billfold.

  • Give your SSN only to businesses and agencies that require it for an action YOU initiate.

  • Carry only the credit cards you need in your billfold.

  • Copy the contents of your billfold and keep the copies in a secure place.

  • Make sure you have the toll free numbers to report lost cards.

  • Pay attention to your billing cycle and follow-up if your bills don't arrive.

  • Do not write your credit card number on your payment check.

  • Keep your purse locked in a drawer at your office.

  • Use your initials on your checks instead of your full name.

  • Receive your bank statements online, not by regular mail.

  • Have new checks delivered to the bank instead of your home.

  • Passwords should be nonspecific.

  • Shred old information and credit card offers before throwing in the trash.

  • Use official mail receptacles instead of your home mail box.

  • When you have a change of address, write each creditor personally.  Do not rely on the post office notification.

  • Do not post personal information on the internet.

  • Erase PC hard drives before throwing away or selling.

  • Do not assume that if a web site has credible (government) links, that it is also credible.

  • Look for the padlock or Verisign insignia, indicating a secure site when ordering on the Internet.

  • Look for the 's' in 'https:' in the URL.  This indicates data is encrypted before transmission.


HELP FOR CUSTOMERS REPORTING FRAUD
 
U.S. Secret Service secretservice.gov
Social Security Office ssa.gov
Federal Trade Commission ftc.gov
Identity Theft Resource Center idtheftcenter.org
Opt-out annualcreditreport.com
Internet Fraud Complaint Ctr ic3.gov
Consumer Fraud usdoj.gov
consumerfraudreporting.org

CONSUMER REPORTING AGENCIES
 
Equifax equifax.com
Experian experian.com
Trans Union transunion.com

COMMERCIAL REPORTING AGENCIES
 
Equifax equifax.com
Experian experian.com
Dunn & Bradstreet/Business
Information Report
dnb.com
August 31, 2014





 
2014 Linn County State Bank | Privacy Statement
Linn County State Bank has implemented a "Customer Identification" program in compliance with the USA Patriot Act passed by the United States Government to help prevent
identity theft and fraud. You will be asked for proper identification when becoming a customer of the bank. In addition, the bank may ask for official documents and may use a third party to
verify your identity.