Email Scams

Text Message Scam Alert

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.

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.

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 has not 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 and NAFCU will report them to Cyveillance.

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

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

The email provides a link to what appears to be the Dover Federal website, but is really a fraudulent website. This is an attempt to steal your personal information or download open access to your computer to download spyware. These emails are fraudulent! Dover Federal will NEVER send you an email requesting confidential account or personal information.

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.

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.

"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.

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.

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!

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. Do not 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.

"Mystery Shopper" Job Scam

Fraudulent mystery shopping promoters are using newspaper ads and emails to create the impression that they are a gateway to lucrative mystery shopper jobs with reputable companies. These solicitations usually promote a website where consumers can "register" to become mystery shoppers - after they pay a fee for information about a certification program, a directory of mystery shopping companies, or a guarantee of a mystery shopping job.

The truth is that it is unnecessary to pay money to anyone to get into the mystery shopper business. The shopping certification offered in advertising or unsolicited email is almost always worthless. A list of companies that hire mystery shoppers is available for free; and legitimate mystery shopper jobs are on the Internet for free. Consumers who try to get a refund from promoters of mystery shopping jobs usually are out of luck. Either the business does not return the phone calls, or if it does, it is to try another pitch.

In another version of the scam, consumers are "hired" to be mystery shoppers and told that their first assignment is to evaluate a money transfer service, like Western Union or MoneyGram. The shopper receives a check with instructions to deposit it in a personal bank account, withdraw the amount in cash, and wire it to a third party. By law, banks must make the funds from deposited checks available within days, but uncovering a fake check can take weeks. Individuals are responsible for the checks they deposit, so if a check turns out to be a fake, they are responsible for paying the bank back. It is a good idea never to deposit a check from someone you do not know, especially if the stranger asks you to wire money. Courtesy of The Delaware Credit Union League.

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