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| Auto Loans as low as | 4.95% APR |
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| 12-Month Share Certificates | 2.00% APY |
Examples of Fraudulent Emails & Scams
Here are some of the latest scams and fraudulent activities:
A new scam is surfacing that involves an unsolicited text message to your cell phone. The message urges you to call the number provided for information about account discrepancies and then solicits you for individual account information and PIN numbers.
Cell phone users should be wary of unsolicited text messages. Such messages should be deleted and all deleted messages should be removed, if possible, as the perpetrators have been known to use "Spyware" in conjunction with the text message solicitation.
"Spyware" is software installed on your computer or cell phone without your consent and it monitors or controls your use of the device. It may be used in your cell phone for such things as monitoring your Internet surfing, activating your speaker phone as a listening device, taking pictures with your phone camera, copying your contacts, or recording your keystrokes, which, in turn, could lead to identity theft.
Such a scam could be used to obtain personally identifiable information and credit union access information, for those accessing their accounts using their cell phones.
Remember Dover Federal will NEVER send you a text message asking for account information. If you receive such a text message- DO NOT OPEN IT!
Thanks To David M. Marquis, Director of Examination & Insurance for providing this information.
>> Back to Top
IRS Warns of New E-Mail and Telephone Scams Using the IRS Name
The IRS cautioned taxpayers to be on the lookout for scams involving proposed advance payment checks. Although the government has not yet enacted an economic stimulus package in which the IRS would provide advance payments, known informally as rebates to many Americans, a scam which uses the proposed rebates as bait has already popped up. To read the entire article, click here.
>> Back to Top
Phishing 'NAFCU' E-mails on the Rise
April 18, 2008 - NAFCU members and others yesterday were reporting a high incidence of phishing e-mails seeking "verification" of credit-card and other sensitive data, so please be alert.
This volume of phishing reports to the association hasn't occurred for roughly a year, and the association's anti-phishing service provider, Cyveillance, devoted a good deal of its time on Thursday working to locate the offending websites and get them deactivated. If you receive an e-mail that asks for sensitive financial or personal identification information, the best thing to do is delete it. The e-mails can also be e-mailed to abuse@nafcu.org, and NAFCU will report them to Cyveillance.
>> Back to Top
NCUA Issues Fraud Alert
"Phishing" is the act of identity thieves sending you fraudulent emails asking you to verify your account information or passwords, and then stealing your personal information. A recent phishing attempt to obtain credit card accounts and expiration dates has the NCUA issuing a fraud alert to all federally insured credit unions. The alert states that the NCUA does not ask credit union members or the general public for such personal information and anyone who receives an e-mail from the NCUA asking for account information should consider it as a fraudulent attempt to obtain their account information. If you feel that you may have been a victim of this scam, please notify Dover Federal immediately.
For more information about this alert, please visit www.ncua.gov.
>> Back to Top
Confirm Email Address, Account Information or Identity
In many email scams, you are requested to confirm your email address, account information or your identity for one of many reasons. These can include:
>> Back to Top
Service Deactivation Threat
Fraudulent emails often circulate claiming some account services will be deactivated or deleted. It asks you to sign-in to a fraudulent website to renew these services in an attempt to steal your personal information.
>> Back to Top
Virus Alert-Install Software Update
Another fraudulent email claims "our" firewall has determined that emails containing worm copies are being sent from your computer. It asks that you install updates for worm elimination and "your computer restoring". A file is attached and may be named something like "Update-KB1218-w86exe". This email or any like it are NOT from Dover Federal. This is a scam. Any action taken as a result of such an email could compromise your computer. Dover Federal will NEVER send you an email requesting the download of software.
>> Back to Top
"Account Manager" Scam
An email that offers you to become an "Account Manager" or "Transfer Agent" for a third party, usually someone in an ex-Soviet bloc country, is another web-scam.
Scammers try to solicit you through an email or an advertisement on the Web, offering to let you "work from home" and be an "Account Manager" or "Money Transfer Agent" for them, thus letting you "earn" commissions (usually 5%) for your trouble. They then transfer money OUT of an unsuspecting person's account and into yours. Once the money is in your account, they ask you to send it to them via Western Union.
>> Back to Top
Counterfeit Cashier's Check Scam
In response to a listing on an Internet auction or other site, a buyer (often from a foreign country) purchases the item and sends you a cashier's check for a lot more than the agreed-upon selling price. The buyer then asks you to wire the excess funds back. Within a week, the credit union is notified that the check is a worthless counterfeit and you are out thousands of dollars. In these scams, the cashier's checks are excellent counterfeits and very difficult to spot.
In another twist to this scam, the buyer requests your credit union account and routing numbers so that he or she may wire funds to your account. Do NOT give your account numbers to anyone.
>> Back to Top
Million Dollar Sweepstakes or Windfall Scam
In another widespread scheme, you may receive an unsolicited letter, email or fax from an "official" in a foreign government offering to share a multimillion dollar windfall in "over-invoiced contract funds". It sounds too good to be true and it is. The "official" claims to need your credit union account number and other personal information to transfer the money out of his country. And he will also "need" up-front cash from you to bribe other officials. You could lose the entire contents of your checking account. Beware! Remember...if an offer sounds too good to be true, it probably is!
>> Back to Top
VISA®/MasterCard® Security Code Scam
In this scam, the caller claims to work for the fraud department at VISA® or MasterCard® and tells you his badge number. He then asks if you recently purchased an anti-telemarketing device for $500. When you say "no," he tells you that his fraud department has been watching that company. He offers to block the charge. Because he has secured your name, credit card number and expiration date from a charge receipt, he is convincing when he provides you with this information to verify.
What he does not know-and wants you to divulge-is the three-digit security code on the back of your card. Without it, he cannot use your credit card number to shop on many sites on the Internet. Don't give out your code. Hang up.
To begin with, credit card companies-such as VISA® and MasterCard®-are not the credit card issuer. Financial institutions-such as banks and credit unions issue credit cards. And credit card companies DO NOT call cardholders asking to disclose any information about their cards.
>> Back to Top
Home | Membership | Contact Us | Privacy Notice | Terms and Conditions
© 2009 Dover Federal Credit Union
Here are some of the latest scams and fraudulent activities:
- Text Message Scam Alert
- IRS Warns of New E-Mail and Telephone Scams
- Phishing 'NAFCU' E-mails on the Rise
- NCUA Issues Fraud Alert
- Confirm Email Address, Account Information or Identity
- Service Deactivation Threat
- Virus Alert-Install Software Update
- "Account Manager" Scam
- Counterfeit Cashier's Check Scam
- Million Dollar Sweepstakes or Windfall Scam
- VISA®/MasterCard® Security Code Scam
A new scam is surfacing that involves an unsolicited text message to your cell phone. The message urges you to call the number provided for information about account discrepancies and then solicits you for individual account information and PIN numbers.
Cell phone users should be wary of unsolicited text messages. Such messages should be deleted and all deleted messages should be removed, if possible, as the perpetrators have been known to use "Spyware" in conjunction with the text message solicitation.
"Spyware" is software installed on your computer or cell phone without your consent and it monitors or controls your use of the device. It may be used in your cell phone for such things as monitoring your Internet surfing, activating your speaker phone as a listening device, taking pictures with your phone camera, copying your contacts, or recording your keystrokes, which, in turn, could lead to identity theft.
Such a scam could be used to obtain personally identifiable information and credit union access information, for those accessing their accounts using their cell phones.
Remember Dover Federal will NEVER send you a text message asking for account information. If you receive such a text message- DO NOT OPEN IT!
Thanks To David M. Marquis, Director of Examination & Insurance for providing this information.
>> Back to Top
IRS Warns of New E-Mail and Telephone Scams Using the IRS Name
The IRS cautioned taxpayers to be on the lookout for scams involving proposed advance payment checks. Although the government has not yet enacted an economic stimulus package in which the IRS would provide advance payments, known informally as rebates to many Americans, a scam which uses the proposed rebates as bait has already popped up. To read the entire article, click here.
>> Back to Top
Phishing 'NAFCU' E-mails on the Rise
April 18, 2008 - NAFCU members and others yesterday were reporting a high incidence of phishing e-mails seeking "verification" of credit-card and other sensitive data, so please be alert.
This volume of phishing reports to the association hasn't occurred for roughly a year, and the association's anti-phishing service provider, Cyveillance, devoted a good deal of its time on Thursday working to locate the offending websites and get them deactivated. If you receive an e-mail that asks for sensitive financial or personal identification information, the best thing to do is delete it. The e-mails can also be e-mailed to abuse@nafcu.org, and NAFCU will report them to Cyveillance.
>> Back to Top
NCUA Issues Fraud Alert
"Phishing" is the act of identity thieves sending you fraudulent emails asking you to verify your account information or passwords, and then stealing your personal information. A recent phishing attempt to obtain credit card accounts and expiration dates has the NCUA issuing a fraud alert to all federally insured credit unions. The alert states that the NCUA does not ask credit union members or the general public for such personal information and anyone who receives an e-mail from the NCUA asking for account information should consider it as a fraudulent attempt to obtain their account information. If you feel that you may have been a victim of this scam, please notify Dover Federal immediately.
For more information about this alert, please visit www.ncua.gov.
>> Back to Top
Confirm Email Address, Account Information or Identity
In many email scams, you are requested to confirm your email address, account information or your identity for one of many reasons. These can include:
- New account registration
- Change in email address or password
- Account information has been amended
- Numerous login attempts account restricted
- Your account was accessed by one or more foreign IP addresses
>> Back to Top
Service Deactivation Threat
Fraudulent emails often circulate claiming some account services will be deactivated or deleted. It asks you to sign-in to a fraudulent website to renew these services in an attempt to steal your personal information.
>> Back to Top
Virus Alert-Install Software Update
Another fraudulent email claims "our" firewall has determined that emails containing worm copies are being sent from your computer. It asks that you install updates for worm elimination and "your computer restoring". A file is attached and may be named something like "Update-KB1218-w86exe". This email or any like it are NOT from Dover Federal. This is a scam. Any action taken as a result of such an email could compromise your computer. Dover Federal will NEVER send you an email requesting the download of software.
>> Back to Top
"Account Manager" Scam
An email that offers you to become an "Account Manager" or "Transfer Agent" for a third party, usually someone in an ex-Soviet bloc country, is another web-scam.
Scammers try to solicit you through an email or an advertisement on the Web, offering to let you "work from home" and be an "Account Manager" or "Money Transfer Agent" for them, thus letting you "earn" commissions (usually 5%) for your trouble. They then transfer money OUT of an unsuspecting person's account and into yours. Once the money is in your account, they ask you to send it to them via Western Union.
>> Back to Top
Counterfeit Cashier's Check Scam
In response to a listing on an Internet auction or other site, a buyer (often from a foreign country) purchases the item and sends you a cashier's check for a lot more than the agreed-upon selling price. The buyer then asks you to wire the excess funds back. Within a week, the credit union is notified that the check is a worthless counterfeit and you are out thousands of dollars. In these scams, the cashier's checks are excellent counterfeits and very difficult to spot.
In another twist to this scam, the buyer requests your credit union account and routing numbers so that he or she may wire funds to your account. Do NOT give your account numbers to anyone.
>> Back to Top
Million Dollar Sweepstakes or Windfall Scam
In another widespread scheme, you may receive an unsolicited letter, email or fax from an "official" in a foreign government offering to share a multimillion dollar windfall in "over-invoiced contract funds". It sounds too good to be true and it is. The "official" claims to need your credit union account number and other personal information to transfer the money out of his country. And he will also "need" up-front cash from you to bribe other officials. You could lose the entire contents of your checking account. Beware! Remember...if an offer sounds too good to be true, it probably is!
>> Back to Top
VISA®/MasterCard® Security Code Scam
In this scam, the caller claims to work for the fraud department at VISA® or MasterCard® and tells you his badge number. He then asks if you recently purchased an anti-telemarketing device for $500. When you say "no," he tells you that his fraud department has been watching that company. He offers to block the charge. Because he has secured your name, credit card number and expiration date from a charge receipt, he is convincing when he provides you with this information to verify.
What he does not know-and wants you to divulge-is the three-digit security code on the back of your card. Without it, he cannot use your credit card number to shop on many sites on the Internet. Don't give out your code. Hang up.
To begin with, credit card companies-such as VISA® and MasterCard®-are not the credit card issuer. Financial institutions-such as banks and credit unions issue credit cards. And credit card companies DO NOT call cardholders asking to disclose any information about their cards.
>> Back to Top
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© 2009 Dover Federal Credit Union