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Security

(Updated 11/13/17)
Criminals have found a new approach to separate you from your hard-earned money. The scam - the criminal presents himself as a legitimate money lending business. Always use caution when approached online by a lender offering a rate that’s too-good-to-be-true. They offer you a better rate, a consolidation rate or a “special” rate. Whatever the offer, you will find it irresistible. Once they have your attention, you are required to complete a loan application. The loan application contains the customary loan requirements; however, in this scam they require your bank account number and your online banking password (they claim they need it to make the deposit of the requested loan). Obtaining this information is the ultimate goal of these scammers. Once they obtain your account number and password, they can log on to your account as the primary user- YOU. They can process transactions in the same manner the account holder would. They can even change the password and lock you out of your own account! Your account number and password are unique to you. This information is your fingerprint and enables the credit union system to recognize you as the user. It is confidential and no one needs your password for any reason. A loan, ACH debit, a check, a deposit, a transfer even a wire can be performed without this information. If anyone asks for your online banking password, it is a scam. If you have given out this information, change your password immediately and monitor your account for any unauthorized transactions.

(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.

External Link Disclosure

By accessing this link, you will be leaving the Red River Credit Union's web site and entering a web site hosted by another party. Although Red River Credit Union has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Red River Credit Union's web site. The other party is solely responsible for the content of its web site. We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of Red River Credit Union.

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This link is for former Shreveport Federal Credit Union members only. If you clicked on this link in error click CANCEL to return to the Red River Credit Union website.

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