Remember, NEVER give your account information to someone who contacts you by phone, email, or letter. Check your account history regularly, and call us at 597-2800 if you suspect fraud.
ONE RING SCAM
The Better Business Bureau is warning cell phone users about the “One Ring” scam. Scammers are using computers to send thousands of calls to random cell phone numbers that ring once and then disconnect. These missed phone calls are often coming from outside the United States, and most are coming from Grenada, Antigua, Jamaica, and the British Virgin Islands. Do not return missed phone calls to numbers from these countries unless you are positive of the identity of the missed caller. Returning these phone calls can result in international long distance fees as well as other unintended charges.
Reports are surfacing that consumers are finding unauthorized charges of $9.84 on their bank statements. The charge is billed as “customer support” from a number different websites or companies. Often charges under $10 go unnoticed on bank statements, however, it is imperative to verify every charge on your monthly statement. Please contact us immediately if fraudulent purchases have been made on any of your OUCU accounts.
OUCU Call Center: (740) 597-2800
Monday, Tuesday, Thursday: 8:00 a.m. - 5:30 p.m. EST
Wednesday: 9:00 a.m. - 5:30 p.m. EST
Friday: 8:00 a.m. - 6:00 p.m. EST
Saturday: 9:00 a.m. - 1:00 p.m. EST
Credit Card: Lost/Stolen Visa credit card: (800) 449-7728
International Lost/Stolen Visa credit card: (727) 299-2449
Debit Card: Lost/Stolen Visa debit card (866) 820-1042
Microsoft has announced a security threat that involves someone pretending to be a Microsoft employee. The scammer will notify you that your PC has been reporting errors and will attempt to call you to gain remote access to your PC. If granted access, the scammer can access all your personal and financial information stored on your computer. Please be wary of phone calls from someone claiming to be a Microsoft employee.
The National Credit Union Administration is warning consumers of a new telephone fraud scheme called “vishing”. Fraudsters are using the NCUA’s name in an attempt to obtain personal financial information. The automated phone call notifies consumers their debit card has been compromised. The call then asks the receiver to follow prompts, which request personal information, including sensitive financial data and personal identification information. Anyone contacted by this “vishing” scheme should immediately contact the NCUA’s Consumer Assistance Center Hotline at (800) 755-1030. Never verify or release personal financial information to unknown callers.
3-DIGIT CARD SCAM
With this card scam someone calls you and asks for the three-digit number on the back of the card. They claim there was a fraudulent purchase on your card and may even have your card number. Never give account numbers to someone who calls you. Always check with us if you suspect you received a fraudulent call.
This scam involves someone calling an elderly person and pretending to be a grandchild that was in a car accident. The person on the phone sounds like an injured person, jaw wired shut, etc. The grandparents are asked not to contact the injured party and to send money right away. As a result money is wired to the scammer -- often totalling thousands of dollars.
OUCU has experienced an increase in check fraud associated with several scams involving Craig's List, Prize Money letters, tax return deposits not fron the US Government, and requests for account information. Here are some tips you should keep in mind:
I received an email asking me to provide account numbers and passwords. Is it valid?
NO! Your financial institution will never ask for personal account information, account numbers, passwords/PINs or ask for security verifications via these kinds of calls or emails. This scam is called "Phishing" (pronounced "fishing"). "Phishes" are Internet or telephone scams in which the perpetrator calls people or sends out legitimate-looking emails or instant messages that represent themselves as a financial institution in an effort to trick the individual to divulge user names, passwords, credit/debit card numbers, account numbers, and other confidential information.
"Phishers" use a variety of ploys to trick users into responding or clicking a link to go to a spoofed website. How will you know it is a "fake" web site? It will look VERY real but it will ask you to provide personal information such as credit, ATM, or debit card numbers, personal identification numbers, social security numbers, bank account numbers, and/or passwords. It may also use a suffix in the web address that we do not use such as .net, .com, or others.
Remember, never give out your credit card, debit card, or ATM card password/PIN to ANYONE - this includes family members, roommates, etc. You are liable for transactions conducted using your secret PIN.
How did they get my information?
"Phishers" have programs that automatically:
They did not get this info from us. OUCU does not share your personal or account information other than with trusted partners such as check printers.
What is the Credit Union doing to protect me?
Our data processor has installed security and intrusion software and firewalls to protect our members. OUCU does not share your personal or account information.
What should I do if I receive a "Phish" email or telephone call?
Delete it from your mailbox or hang-up on the caller. Any reputable financial institution would never ask you for account, password, credit card numbers, password/PIN, or security information in this manner.
What should I do if I entered my information into a "Phish" website or over the telephone?
Where can I get more information about "Phishing"?
OUCU goes to extraordinary lengths to keep your account information private and secure. The only way our security can be breached is if you inadvertently give "the bad guys" this information by responding to Phishing emails or telephone calls. Always contact us if you are in doubt about a communication you believe is from us.