Fraud Alerts

(Updated 9/8/17)
Important Information Regarding the EQUIFAX breach

The following information was taken from the Equifax Inc. website:

September 7, 2017 — Equifax Inc. (NYSE: EFX) announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017. The company has found no evidence of unauthorized activity on Equifax’s core consumer or commercial credit reporting databases.

Equifax discovered the unauthorized access on July 29 of this year and acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm that has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. Equifax also reported the criminal access to law enforcement and continues to work with authorities. While the company’s investigation is substantially complete, it remains ongoing and is expected to be completed in the coming weeks.

Equifax has established a dedicated website, www.equifaxsecurity2017.com, to help consumers determine if their information has been potentially impacted and to sign up for credit file monitoring and identity theft protection. The offering, called TrustedID Premier, includes 3-Bureau credit monitoring of Equifax, Experian and TransUnion credit reports; copies of Equifax credit reports; the ability to lock and unlock Equifax credit reports; identity theft insurance; and Internet scanning for Social Security numbers – all complimentary to U.S. consumers for one year. Equifax recommends that consumers with additional questions visit www.equifaxsecurity2017.com or contact a dedicated call center at 866-447-7559, which the company set up to assist consumers. The call center is open every day (including weekends) from 7:00 a.m. – 1:00 a.m. Eastern time.

As always, if you detect unauthorized transactions on your account, notify RRFCU immediately. To place a block on your debit card during regular business hours, contact RRFCU’s Call Center at 903-735-3000 or 800-822-3317; or, dial RO$EY, our audio response system, at 903-793-3400 or 800-833-1528, choose Option 3 after your member sign-on for “Other Activities”, then Option 3 to block the card. After business hours, during weekends, or on holidays, call the Fraud Protection Center at 800-472-3272 select Option 2.

(Updated 6/8/17)
Important Information Regarding the Kmart Data Breach

On June 1, the Senior Vice President for Sears and Kmart, announced that the company was investigating the second data breach impacting Kmart in three years. The merchant recently became aware of an incident placing payment card data at risk due to a form of malicious code that went undetected by their current anti-virus systems. The company immediately launched an investigation following reports of unauthorized payment card activity at some of their locations. The investigation found it to be limited only to infected store payment systems at Kmart.

Based on their investigation, no personal identifying information, including names, addresses, social security numbers, birth dates or email addresses were obtained in the breach. However, certain payment card numbers have been compromised. All Kmart stores were EMV “Chip and PIN” enabled during the time that the breach occurred. The potential window of compromise from September 6, 2016 through April 30, 2017.

If you detect unauthorized transactions on your account, notify RRFCU immediately. To place a block on your debit card during regular business hours, contact RRFCU’s Call Center at 903-735-3000 or 800-822-3317; or, dial RO$EY, our audio response system, at 903-793-3400 or 800-833-1528, choose Option 3 after your member sign-on for “Other Activities”, then Option 3 to block the card. After business hours, during weekends, or on holidays, call the Fraud Protection Center at 800-472-3272 select Option 2.

(Updated 5/4/17)

NOTICE OF DATA SECURITY INCIDENT


It is important to RRCU for our members to be informed about security events that occur. Please review the information below taken from the Chipotle website:

"We want to make our customers aware that we recently detected unauthorized activity on the network that supports payment processing for purchases made in our restaurants. We immediately began an investigation with the help of leading cyber security firms, law enforcement, and our payment processor. We believe actions we have taken have stopped the unauthorized activity, and we have implemented additional security enhancements. Our investigation is focused on card transactions in our restaurants that occurred from March 24, 2017 through April 18, 2017. Because our investigation is continuing, complete findings are not available and it is too early to provide further details on the investigation. We anticipate providing notification to any affected customers as we get further clarity about the specific timeframes and restaurant locations that may have been affected.

Consistent with good practices, consumers should closely monitor their payment card statements. If anyone sees an unauthorized charge, they should immediately notify the bank that issued the card. Payment card network rules generally state that cardholders are not responsible for such charges."

(Updated 2/9/17)

A new and very creative scam is gaining popularity. More than a few of our members have personally experienced this scam. In most online fraud cases the scammer approaches the victim by email or text. However, in some of these cases, the potential victim approached the scammer! This clever scam is an online loan scam. This scam offers an appealing loan rate with funds directly deposited into the victim’s account. The scammer requires your personal information and your account information to process the requested loan. The objective of this scam is to obtain the victim’s confidential online banking information, not to mention the easy access to the victim’s Social Security number. The victim completes a loan application (this is customary when applying for a loan) which includes the victim’s account number, bank name, and (not customary) online banking User ID and confidential online banking password. Once these crooks get your online banking password they can log into your account and authorize debit transactions as you! Never give anyone your online banking information. A deposit can be issued to an account without this information. There is absolutely no reason anyone or any business needs this information. If you have given out this information contact the credit union immediately.

(Updated 2/12/16)

Beware of counterfeited Red River Credit Union Teller Checks. These checks were not negotiated through Red River Credit Union, nor are they a valid legal instrument. Innocent people are approached on Craig’s List, Facebook or email. Victims receive a counterfeit Red River Credit Union Teller Check for various reasons; sold merchandise, fictitious job offer, or loan. The victim is over-paid and instructed to deposit the counterfeit check into their personal account and to wire the overpayment amount. Once wired, the funds are unrecoverable and the victim could be held responsible both legally and financially.


(Updated 3/14/16)

The latest scam is being delivered via text and e-mail. It states, “This is an automated message from credit union. Your card is blocked, to unblock visit us at http://bit.ly/******.” This message is not from Red River Credit Union. Red River Credit Union will not contact you by text or email regarding your debit or credit card.

A good indication you are receiving a fraudulent email or text is the message will not be specific to you. Your name and the credit union’s name are not included in the email. In most cases, when you are being phished the sender does not know your name. The email or text is a mass email sent to numerous people in order to get a few to respond. If you responded to the text or email, providing your debit card information, contact Red River Credit Union at 903-735-3000 immediately, or call the Fraud Protection Center at 1-800-472-3272, select option 2.


(Updated 2/12/16)

Beware of counterfeited Red River Credit Union Teller Checks. These checks were not negotiated through Red River Credit Union, nor are they a valid legal instrument. Innocent people are approached on Craig’s List, Facebook or email. Victims receive a counterfeit Red River Credit Union Teller Check for various reasons; sold merchandise, fictitious job offer, or loan. The victim is over-paid and instructed to deposit the counterfeit check into their personal account and to wire the overpayment amount. Once wired, the funds are unrecoverable and the victim could be held responsible both legally and financially.


(Updated 8/11/15)

This is a new twist on an old scam. We previously reported on card cracking, where members were conned into handing over their debit card and PIN, allowing the fraudsters to make ATM deposits with bad checks. Now that members can easily make deposits via their mobile devices, the fraudsters are now also shifting gears to take advantage of the new technology.

Credit unions are reporting members are falling for mule scams, beginning with recruitment through Facebook and other social media. The scams appear to be legitimate work-at-home jobs, or other opportunities to function as a money transfer agent. The member is told they will receive deposits into their account, with instructions on withdrawing the funds and forwarding the money to their contact person. The member is told they’ll receive a percentage of the proceeds as commission.

The member is instructed to provide online/mobile banking usernames and passwords to the contact person. This action allows fraudsters to log in to the accounts to access the mobile RDC service to deposit checks. The checks are returned after the holds expire, and the member has already removed the funds. Many members falling for these scams have little in assets to cover their negative balance.


(Updated 5/5/15)

One new scam in Texarkana is being performed in the form of a text to your phone. The text claims to come from the policed dept. or other legal entity. The text says you have an overdue fine or other legal issue and a warrant will be issued for your arrest if you dont make immediate payment. The text gives you a link to a phone number which will direct you to pay the fine. Its my understanding it will direct you to PayPal and other sites for payment.

To place a block on your debit card during regular business hours, contact RRFCU’s Call Center at 903-735-3000 or 800-822-3317; or, dial RO$EY, our audio response system, at 903-793-3400 or 800-833-1528, choose Option 3 after your member sign-on for “Other Activities”, then Option 3 to block the card. After business hours, weekends, or holiday, call the Fraud Protection Center at 800-472-3272 select Option 2.


(Updated 3/30/15)

Debit card users beware of a new phishing attempt by text and email. The scammers claim to be your financial institution and warn you that your debit card has reached its spending limit. The text requests your information in order to correct the issue. It is a scam and an attempt to gain your personal information. Do not respond! If you already have, block your card immediately.

To place a block on your debit card during regular business hours, contact RRFCU’s Call Center at 903-735-3000 or 800-822-3317; or, dial RO$EY, our audio response system, at 903-793-3400 or 800-833-1528, choose Option 3 after your member sign-on for “Other Activities”, then Option 3 to block the card. After business hours, weekends, or holiday, call the Fraud Protection Center at 800-472-3272 select Option 2.


(Updated 3/11/15)

We have received calls from our members stating that their debit cards have been disabled and that they need to click on a link that is provided to assist with getting it re-enabled. This is a scam and they are attempting to obtain information to fraud our members. Use extreme caution in giving out any of your personal information.


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