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*FOR SECURITY PURPOSES, it is very important that you
contact River City FCU regarding any changes in your address or other
personal information on all of your RCFCU accounts. ----------------------------------------------------------------------------------------------------------------- BBB
Offers Top Five Tips for Mobile Banking Tuesday, April 09, 2013 7:00 AM In our
tech-savvy world, everything is readily accessible and convenient.
Even banking. Gone are the days of waiting in line at
the bank or even waiting for your computer to boot up. Now you can
access your checking account from anywhere in the world via your
smart phone or tablet. But consumers
need to be more cautious than ever when banking through any device,
as hackers can prey on the unsuspecting. The Better Business Bureau
(BBB) has posted the following tips on its website:
ID Theft No
Laughing Matter Wednesday, February 13, 2013 9:00 AM The
latest box-office hit is "Identity Thief," earning more than $36
million in its opening weekend to become the No. 1 movie in the
country. But when identity theft occurs in real life, it costs
American families billions of dollars and is the No. 1 consumer
complaint in the U.S. "This
movie offers a humorous portrayal of an identity theft victim who
takes matters into his own hands and hunts down the con artist who
has stolen his identity. Moviegoers will find this scenario
hilarious, but the crime of identity theft itself is no laughing
matter," says Patricia Seaman, senior director with the
Denver-based National Endowment for Financial EducationŽ (NEFEŽ).
"But this is a teachable moment to understand the consequences of
identity theft. Becoming a victim of fraud by having your identity
misused can wipe out years of savings and assets and threaten your
future security." During
the two hours it takes to sit through the movie, more than 2,000
Americans will be victimized by criminals who steal bits and pieces
of their personal data for financial gain estimates Identity Theft
911, an identity-fraud management firm based in Scottsdale, Ariz.
And the Federal Trade Commission (FTC) reports that identity theft
has been the top consumer complaint for the past 12 years in a row.
In 2001, the FTC logged 86,250 complaints from those victimized by
identity theft. By 2011, the number of complainants had risen to
279,156-a 224 percent increase in 10 years. Identity
theft can devastate household finances, credit history and
reputation-as well as take time, money and patience to resolve.
Identity thieves may gain access to your private information by:
Thieves
also may use more sophisticated tactics such as:
"Unfortunately,
there is no definitive way to ensure you will not become a victim of
identity theft. Yet there are steps you can take to minimize the
chances that your information will be stolen and used by a thief,"
says Seaman. Pay
close attention to your credit report and regularly check for
inaccuracies. You are entitled to a free credit report every year
from each of the major credit report agencies-Equifax, Experian
and TransUnion. You can order a detailed summary from each agency at
http://nefe.pr-optout.com/Tracking.aspx?Data=HHL%3d8%2b%3c1%403-%3eLCE58361%3d%26SDG%3c90%3a.&RE=IN&RI=1471448&Preview=False&DistributionActionID=13702&Action=Follow+Link.
You also should regularly check your children's credit reports, as
identity theft among children is on the rise. You
can initiate a fraud alert on your credit report, making it harder
for an identity thief to open accounts in your name. When you have
an alert on your report, a business must verify your identity before
it issues credit. Never
give out your Social Security number, checking account information
or other private data to unknown organizations or people. Most
people who fall victim to identity theft mistakenly give out their
personal information to fraudsters who appear to be representing a
legitimate business. Remember, even a financial institution that you
work with will not contact you asking for this information. Additional
measures of protection include:
"People
who see the 'Identity Thief' movie should enjoy the cinematic
experience, but remember that this is not a realistic depiction of
what happens when this crime occurs," says Seaman. "Everyone
should take the time to understand how identity theft happens and
take the steps necessary to protect themselves. This is an essential
part of personal finance." --------------------------------------------------------------------------------------------------------------------- Nearly
Half of Mobile Apps Contain Pop-up Ad Malware; Saylor Offers Tips on
How to Protect Yourself Tuesday, February 05, 2013 6:40 AM As
enterprise mobility continues to grow, so too are threats to
laptops, tablets and, especially, smartphones. According to a recent
report by Business
Insider, nearly half of all mobile applications are infected
with pop-up ad malware, also known as madware. How can credit
unions protect against malware? Mike Saylor, vice president of
technology for the Texas Credit Union League (TCUL), says it's
important to understand what malware is. "Malware
is not just the scary password stealing software that could also
change the security settings of your computer or cell phone,"
Saylor says. "Malware is any software designed to collect
data about you or your system and includes activity as simple as
your cell phone number or laptop name, or could be as complex as
collecting your internet behavior over several months, all your
passwords, activating your web camera and correlating all this data
into an activity report for bad guys. Some tablet games take
the basic form of malware." According
to Saylor, there has been an increasing level of malware attacks
against financial institutions and their customers. "The
obvious objective is to access to money, but this could also lead to
more complex criminal activity with the capability of stealing
identities," adds Saylor. Saylor
discusses Malware in the following Q&A: Question:
How does Malware work? Saylor:
Bad guys write software that performs specific tasks (capture
keyboard typing, search for all Word documents, etc), then they
embed their Malware into either a legitimate file (e.g. PDF email
attachment or photo), or a website's code. In either case,
the malware is activated by interacting with it through opening the
attachment or visiting the web site. Once installed, the
malware will begin doing what it was designed to do, typically
without you knowing it. Question:
How do I know if I'm infected? Saylor:
It can be difficult to tell if you have been infected with malware,
but there are often some telling signs. Erratic behavior of
your computer or smartphone (e.g. rebooting, freezing, strange error
messages, slow performance, slow webpage loading, etc); If
your IT department begins asking about your Internet use;
pop-up windows with prescription drug advertisements; friends asking
you why you emailed them a virus or a link to pornography at 2 a.m.;
and changes to privacy or security settings (e.g. do not merge my
contacts with Linked-in, but the setting keeps changing to allow it)
are examples of symptoms of malware infection. If your device
becomes infected, the best solution is factory reset or a complete
re-install. Question:
How do I protect myself? Saylor:
First, do not click on links within email messages, even if the
message is from someone you know. Copy the link text by
highlighting it with your mouse, or better yet.retype it in your
Internet browser by hand. Second,
do not open attachments received in email; if you must open
attachments, copy them to your desktop and run your anti-virus
software on it before opening it (if possible). Thirdly,
be diligent with what websites you visit - take your time to
recognize it a third party has reviewed the security of the site
(e.g. Norton, Symantec or other secure site logo to the right of a
Google search). ---------------------------------------------------------------------------------------------------------------- IRS
Offers Tips to Avoid Being ID Theft Victim during Tax Season Tuesday, January 29, 2013 8:35 AM Each year
consumers spend countless hours preparing their tax returns hoping
they don't owe the government money. But what they may not realize
is that the government isn't the only one who may collect their hard
earned cash -- so might identity thieves. The 2013
filing season is upon us, and the IRS says it is taking additional
steps during the 2013 tax season to protect taxpayers and help
victims of identity theft and refund fraud. The IRS is focused on
preventing, detecting and resolving identity theft cases as soon as
possible. It reportedly has more than 3,000 employees working on
identity theft cases - more than twice the level of a year ago.
The IRS says it has also trained more than 35,000 employees who work
with taxpayers to recognize and provide assistance when identity
theft occurs. Taxpayers can
encounter identity theft involving their tax returns in several
ways. One instance is where identity thieves try filing fraudulent
refund claims using another person's identifying information,
which has been stolen. Innocent taxpayers are victimized because
their refunds are delayed. The IRS offers
the following tips to taxpayers to help them avoid becoming a
victim:
If your tax
records are not currently affected by identity theft, but you
believe you may be at risk due to a lost or stolen purse or wallet,
questionable credit card activity or credit report, the IRS is
urging consumers to contact its Identity Protection Specialized Unit
at (800) 908-4490, extension 245 (Mon. - Fri., 7 a.m. - 7 p.m. local
time) The IRS says
it's important for taxpayers to be alert to possible identity
theft if they receive a notice from the IRS or learn from their tax
professional that:
----------------------------------------------------------------------------------------------------------------- Monday, November 05, 2012 6:55 AM When it comes
to gaining access to your personal information, scammers will stop
at nothing. One of the latest schemes is the "fake chat box
scam" According to the Association of Certified Fraud
Examiners, the scam targets unsuspecting Internet users. Here's how
it works. the unsuspecting Internet user is on his financial
institution's web site when a message flashes up that says, "We
are running a security check." Then, a live chat box pops up
with a message that says something to the effect of "a
representative will be with you shortly." As promised, the
"representative" begins a live online chat session with the user
- who unwittingly discloses confidential account information. The scammers
reportedly target those whose computers previously have been
infected with malware, which the victims have downloaded unknowingly
via fake web links or attachments. After the malware is
downloaded, it lies dormant until the victim opens up his or her
online banking site. To avoid
becoming a victim of this scam, consumers must be proactive - use
updated security software to try to prevent malware from being
embedded in their computer. Consumers should also know that their
financial institution would never ask for their personal
identifiable information because they already have it. ----------------------------------------------------------------------------------------------------------------- rcityonline email phishing scam 10.17.12 These are bogus emails sent by an unknown party to attempt to gain your personal information. PLEASE DO NOT CLICK ON THE LINK EMBEDDED IN THE EMAIL. These emails do not come from River City Federal Credit Union, or from the NetTeller system. We recommend that you permanently delete any suspicious emails. For questions or concerns, please call River City FCU’s Member Service Center at (210) 225-6866, from 8:30 a.m. to 5:30 p.m. Monday through Friday, or from 9 a.m. to 1 p.m. on Saturday.
Today's scammers don't have to go dumpster-diving to get your personal information, as they have found a more sophisticated way to lure unsuspecting victims - they go 'phishing.' Phishing is a high-tech scam that uses spam or pop-up messages to deceive unsuspecting consumers into disclosing their credit card numbers, bank account information, Social Security number, passwords, and other sensitive information. According to the Federal Trade Commission (FTC), phishers send an email or pop-up message that claims to be from a legitimate business or organization, and the message usually asks that the recipient "update" or "validate" his/her account information. The FTC, the nation's consumer protection agency, suggests these tips to help consumers avoid being hooked by a phishing scam:
Consumers should immediately report suspicious activity to the FTC. If a consumer receives a spam that is phishing for information, they should forward it to spam@uce.gov. Consumers who suspect they've been scammed, should file a complaint at www.ftc.gov, and then visit the FTC's Identity Theft Website to learn how to minimize the risk of damage from ID theft. In addition, you can help us and your fellow River City Federal Credit Union members by forwarding suspicious and fraudulent emails to abuse@rivercityfcu.org. More information on how to prevent Identity Theft...
What to do if you're a victim...
ID Theft Hot Lines...
Source: 'ID Theft: When Bad Things Happen to Your Good Name,' Federal Trade Commission, San Antonio Police Department and Texas Credit Union League Important Information About Card Compromise River City FCU has been notified of a recent plastic card compromise which is the result of a widespread global cyber fraud operation. The compromise took place in a company which provides payment processing. If your card was affected, it may be due to your conducting business at one of the payment processor clients. To date, we are not aware of any member accounts which have had fraudulent activity. However, you are encouraged to monitor your account for suspicious activity. RCFCU is deeply committed to maintaining the security of our members' data, and we will continue doing everything reasonably possible to achieve this objective. You will be kept informed as we receive additional information. More Info on the Internet...
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