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How You Can Protect Yourself
We are aware of the news about a recent data breach by a major credit reporting bureau.
Please visit www.equifaxsecurity2017.com/potential-impact to see if you were impacted by this incident.
Rest assured your Travis account information remains safe and secure within our systems. If you suspect your Travis account information may have been used for identity theft or any other fraudulent activity, please contact us at (800) 877-8328.
Members are reminded about another type of consumer scam that continues to be a concern for authorities. According to the FBI, there were 12,500 reports of romance scams with a combined $203 million in losses in 2015.
These types of scams involve creating fake online profiles to connect with potential victims. The scammers quickly confess their affection for their new online friends. After creating an emotional connection, they will then fake a dire situation, such as a medical emergency or inability to travel to the country, and ask for money or access to online banking accounts from you.
How to protect yourself
Example of a romance scam
Jessie connects with Alex on an online dating service. They build up an online relationship through chats and emails. After a few days, Alex initiates that they should meet up face to face but is unable to due to a financial emergency and asks to borrow money from Jessie.
Out of her good nature and emotional connection with Alex, Jessie wires Alex the money. She tells herself: “I have always thought about myself as a good person and I didn’t need the money at the time. He promised to pay it back once he got here.”
Unfortunately, Jessie never heard back from Alex or received her money back.
If you suspect fraudulent activity on your Travis Credit Union Account, please contact our Member Service Center at (800) 877-8328.
Credit Union members are being warned of a scam promoted via online videos claiming that bills can be paid online using routing numbers belonging to a Federal Reserve Bank (FRB) or other financial institutions, including credit unions. The scam suggests electronic payments will be generated through the ACH network using FRB accounts touted as “secret accounts” or “Social Security trust accounts” in exchange for personal information such as Social Security Numbers.
This scam is another way for fraudsters to collect personal information from consumers, which can then be sold or used to commit fraud.
Using social media, such as YouTube, fraudsters promote the scam claiming consumers can pay bills online using secret accounts or Social Security trust accounts held at Federal Reserve Banks. Some online videos also refer to these accounts as Treasury Direct Accounts. Through an online payment service, consumers are instructed to use a Federal Reserve Bank’s routing number and the consumer’s Social Security Number as the account number in paying bills.
These payments are then being rejected and returned unpaid – often leading to service fees charged to the consumer by the merchant or vendor. In addition, these victims become prime candidates for risks associated with identity theft.
Members should be aware of this and other types of bill payment scams involving the use of another financial institution’s routing number. Any video, text, e-mail, phone call, flyer or website that describes how to pay bills using a Federal Reserve Bank or another institution’s routing number or secret account is a scam.
If you suspect your Travis account information may have been used for identity theft or any other fraudulent activity, please contact us at (800) 877-8328. To learn more about Travis Credit Union’s Bill Pay service, please visit www.traviscu.org/bill-pay.
We have been notified that fraudulent Travis Credit Union Official Checks are being used in various fraud schemes. The fraudulent checks are being used for mystery shopper programs, overpayment, new attorney client, lottery winnings and other types of fraud schemes. If you suspect you may be in receipt of a suspicious Travis Credit Union Official Check, please call (800) 877-8328 to verify issuance.
For more information about how to protect yourself from Check Fraud, please visit the Federal Trade Commission (FTC) website by clicking here: www.consumer.ftc.gov/articles/0159-fake-checks
Be watchful of unsolicited e-mails, text messages, voice mails and telephone calls that request your personal or financial information. Phishing (e-mail), smishing (text messaging) and vishing (telephone) attacks against credit union members increased nearly 600 percent in 2009, according to the Anti-Phishing Working Group.
These scams are often well-designed to mimic legitimate financial institutions and businesses. They stress urgency about using links or calling phone numbers that ask you to update your personal or account information such as credit card numbers, checking account information, Social Security numbers and passwords. The technology employed by thieves is sometimes so sophisticated you may not recognize you’ve been scammed until it is too late.
Here are some examples of smishing, phishing and vishing scams:
Remember, you should never reveal personal or account information online by following a link in an e-mail or responding to an unfamiliar text.
Travis Credit Union will never send you an email or text asking for you to provide confidential information. Please do not click on any link embedded in an email or call any number listed in an unsolicited text that you do not recognize.
To confirm any letter, email or other communication from Travis Credit Union, you may call our Member Service Center at (707) 449-4000 or (800) 877-8328 during normal business hours.
Credit and Debit cards are the easiest and safest way to carry money while you are traveling. The following travel tips can help you enjoy your trip and keep your cards safe.
If possible, let us know your alternate phone number while you are traveling.
We monitor your account and will call you to verify any unusual or suspicious activity. Make sure we have your current day time or cell phone number on file.
Password managers create strong, unique passwords and sync them across all your devices. They are easy to use, inexpensive, and eliminate the need to remember all but one master password.
According to a recent study, 47% of consumers have a password that is at least five years old, and 77% have a password that has not been changed in a year.
The longer you leave your password unchanged, the greater the risk it is to your security.
Also known as 2FA/MFA, this system requires multiple authentication methods to access an account.
For example, some websites will send a code to your mobile device as the second factor of authentication. That way, a criminal can’t access your account even with a breached password because they won’t have access to the code. The system will also notify you if someone is attempting to log in.
The temptation is to use one or two passcodes for everything, but that would be like making just one key for all the locks on your house, office, car, safe, etc. Again, a password manager generates unique passwords easily, so consider using one across all your personal devices.
How We Protect You Report Lost or Stolen Cards