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Fraud Alerts and Tips Center
Helping you keep your money and information safe.

Fraud is everywhere and often fraudsters try to gain access to your information and money when you least expect it. To help you fight fraud, we offer the following known General Fraud Alerts and Tips for avoiding fraud traps.  This is not an exhaustive list but can be used to identified new, undocumented attempts by scammers.  To avoid scams in general, follow these guidelines for every account in your name, not just banking:

  • Stay vigilant and never share your passwords or PINs with anyone, including a relative or RRCU representative. An RRCU employee may only reset your password or PIN, not collect the information.
  • Always cover your hand when entering your Personal Identification Number (PIN) or password.
  • Review your accounts often, to identify and report unauthorized transactions.
  • Stay up to date on new techniques being used by criminals. (https://www.consumer.ftc.gov has some great information and alerts)

Reminder: To enhance security with online banking, users may be prompted to change their current password.

 

  • GENERAL FRAUD ALERTS

    Text Messages Sent to Members (Updated 12/17/18)

    We have been receiving calls stating that members are receiving text messages from RRCU. Unless you have opted to receive a text message RRCU does not send texts to members. These fraudulent messages may include part of the members debit card number and may ask for PIN numbers or social security number.

    Please remember RRCU will NEVER ask for your PIN or SS#. If you receive one of these messages, please do NOT give any info. Immediately delete the message.

    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. After business hours, weekends, or holidays, call the Fraud Protection Center at 800-472-3272, select Option 2. Our Audio Response system, RO$EY, can be reached 24 hours a day at 903-793-3400 or 800-833-1528. Choose Option 3 after your member sign-on for “Other Activities”, then Option 3 again to block the card.

     

    Important Information Regarding ATM Security (Updated 12/13/18)

    We want to assure members that we take security very seriously. Member information is our top priority. All RRCU ATM’s are serviced and checked daily. No skimming devices have been placed on our ATM’s. Fraudulent ATM debit cards were used at several of our ATM’s. We are working diligently with multiple authorities on these open investigations. If any member feels their card or accounts have suspicious activity, please contact us immediately at 1-800-822-3317 or 903-735-3000.

     

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

    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.

     

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

    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.

     

    NOTICE OF DATA SECURITY INCIDENT (Updated 5/4/17)

    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."

     

    Apply for a Loan Scam (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.

     

    RRCU Teller Checks (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 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 don’t make immediate payment. The text gives you a link to a phone number which will direct you to pay the fine. It’s 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 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.

     

  • CHECK CASHING FRAUD TIPS

    Tips for protecting yourself against check cashing Fraud

    • Always safeguard your checks. Do not leave your checks out in an open area. Never leave your checks in your car or out on your desk at the office. 
    • Keep your blank checks and canceled checks in a safe place. Put them in a vault or other secure location. Destroy old blank checks if you are not going to use them. 
    • Limit the amount of personal information printed on the checks to your name and address. Use plain designed checks. The fancier the check the easier it is to forge the signature. Useful information for thieves includes not only your account numbers, but information used to verify your identity, such as your driver's license number, social security number, and secret codes. Don't have this information printed on your checks. 
    • Don't leave your bill payments sitting in an unlocked mailbox for pickup. Many credit thieves will steal bills from rural mailboxes at the end of driveways, so they can get your account information, checking information, and even your checks. Go to the Post Office directly or use a curbside USPS mailbox (the blue metal ones) and drop your bills in the slot rather than using less secure street mailboxes. 
    • Be discreet when writing checks in public places. Write your checks carefully and leave no space in which figures or words can be inserted. 
    • When you make an error in writing a check, be sure to destroy the check or write "canceled" across it and store it with your other canceled checks. 
    • If your checks are lost or stolen, report it immediately to your financial institution. 
    • Reconcile your monthly statements as soon as you can to ensure all transactions are accurate. Contact us immediately if you do not receive it when expected. Be sure to contact your institution within that time frame to ensure that proper attention is given to reconciling the problem. 
    • When you reorder checks, mark your calendar. If you don't receive your checks within 15 working days, contact your financial institution immediately to inquire as to the status of the order. 
    • Consider alternatives to check writing. For instance, paying by phone, online, bill pay or setting up automatic payments. Fewer checks mean fewer theft opportunities.
  • INTERNET FRAUD TIPS

    Phishing Scams

    Phishing is an internet scam in which email spam or pop-up messages are used to deceive you into divulging personal or financial information over the internet. Phishers will send you an email or a pop-up message that appears to be from a company that you deal with your credit card company, credit union or a government agency. The message usually requests that you update or validate account information and it will direct you to a website that looks just like the legitimate organization's website, but it isn't. The purpose of the bogus website is to deceive you into entering your personal information, so the scammers can steal your identity and commit crimes in your name.

    Protect yourself against "Phishing Scams"

    • If you get an email or pop-up message that asks for personal or financial information, do not reply. And don't click on the link in the message, either. Legitimate companies don't ask for this information via email. If you are concerned about your account, contact the organization mentioned in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company's correct Web address yourself. In any case, don't cut and paste the link from the message into your Internet browser phishers can make links look like they go to one place, but, send you to a different site. 
    • Never give your personal information via email. Red River Federal Credit Union will never request personal information via email. 
    • If you want to update your information, go directly to our website by opening a new browser window, and typing www.rrfcu.com in the address. 
    • Never go to our web site by clicking a link in an email. When entering personal account information, verify that you are on a secure website. If the website is secure, you will find "https" in the address and a closed padlock in your browser's toolbar. 
    • Use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge. Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files.
  • ATM FRAUD TIPS

    Tips for protecting yourself against ATM fraud. Never write your Personal Identification Number (PIN) on your card or in your wallet. Memorize your PIN as soon as possible. Do not reveal your PIN to anyone not authorized to use the account. 

    • Never use your date of birth, social security number, license number or street address as a PIN -- those are the first numbers a crook will try. 
    • Don't throw away your ATM receipts at the ATM location. Keep them to reconcile your account, then dispose of them properly when you get home. 
    • Always be aware of your surroundings when using the ATM. If it is late at night, try to use a machine that is well lit and avoid dark, remote locations. 
    • Always make sure to retrieve your ATM card from the machine when the transaction is complete. 
    • Be aware of the person behind you. Make sure no one can see you entering your PIN or how much money you withdraw. 
    • Review your statement promptly to ensure all transactions are accurate. Report any discrepancies immediately. 
    • Destroy old ATM cards immediately after receiving your replacement cards.
  • CREDIT CARD FRAUD TIPS

    Tips for protecting yourself against credit card fraud Keep a list of all your credit cards including the account number and phone number to the issuing company. 

    • Review your credit card statement as soon as possible. Match charges with your receipts to ensure all charges are yours and are for the correct amount. 
    • Always sign a new credit card immediately. 
    • When making a purchase with a credit card, make sure you get the card back and the receipt. Check the receipt for accuracy. 
    • When using a credit card at a restaurant or store, make sure that all blank lines are marked through so that no one can change the final amount. 
    • Never sign blank credit card receipts. 
    • Only travel with the credit cards you plan on using. 
    • Never give the account number of the credit card over the phone unless you initiate the call. 
    • When making an order over the telephone, try to avoid using a cordless phone. Cordless phone messages can be easily intercepted by devices as unsophisticated as baby monitors and police scanners. 
    • Do not write the PIN for the account on the card.
  • PHONE SECURITY FRAUD TIPS

    Vishing Scams

    Vishing is a scam similar to Phishing. This scam involves sending a spam email or pop-up message telling you that your account has been compromised and will instruct you to call a phone number to verify your account information. An official sounding automated message will ask you to enter your personal financial information such as your 16-digit credit card number. Some of these scams involve a telephone call to the victim directly in which the caller already has your credit card number but asks you to verify the valuable three-digit security code. 

    Protect yourself against "Vishing Scams"

    • Never give your personal information over the phone. If you feel a call is suspicious, call the company directly to verify the authenticity of the call. 
    • Beware of organizations asking for charitable donations. If you want to donate money, contact the organization yourself to make sure that your money is going to the appropriate place.

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