Recently, we’ve learned that some members have received fraudulent calls that appear to be from the credit union that can put your account and funds at risk! This scam is known as Caller ID spoofing.
What is Caller ID spoofing? Caller ID spoofing is the process of changing the Caller ID to any number other than the actual calling number. The caller intentionally disguises the number they are calling from.
How can you stop spoofing calls? While there’s nothing you can do to stop them, there are three very important steps you can take to prevent being a victim:
1. If in doubt, don’t answer it. You can call the number directly later to see if it was a real person or company.
2. Be diligent! Even if your caller ID shows a familiar number (perhaps a local area code), assume it is not a legitimate call. Be very cautious about giving any information to an unsolicited caller. If you are unsure, hang up, and call the person or business directly.
3. Block the calls. Check with your phone carrier to see if they have a service or app that helps to identify and filter out spam calls. For instance, both AT&T and Verizon have apps that provide spam screening and/or fraud warnings.
Here’s an example of what has been happening: A member received a call that was spoofed with ACT 1st FCU’s actual phone number stating that their debit card was in jeopardy of fraud (the spam caller created urgency.) The spammer stated that he would cancel the member’s card immediately, and expedite a new card the next day but wanted to verify the card number, account number, PIN number as well as other personal information. PLEASE NOTE: The Credit Union will NEVER initiate a call to ask for your account number, card number and PIN number – we already have all that information.
If you receive a call similar to this, and you’re not sure it’s from us, hang up and call us directly regarding your account. And remember, you can manage your account directly with our Mobile App. It will send instant alerts for any transaction and allows you to remotely turn your debit card on and off for security.
