Jeanne D'Arc Credit Union

Announcements

Be sure to check this page regularly for important information about special promotions, various alerts, updates to products, weather closings and more.
 


 

Robo-Call VISA® Debit Card Scam

Posted in Fraud Alerts on 11.17.17

We have been made aware of a robo-call circulating in the area that informs call recipients that their VISA® debit card has been blocked and that they should enter their card number to have it unblocked. The recorded message does not give any indication that they are calling on behalf of Jeanne D’Arc Credit Union or another financial institution, and the Caller ID shows the number as blocked or as “private”.

Fraudsters will no doubt take advantage of the holiday shopping season to send out emails, test messages and phone calls to scare consumers into thinking their debit or credit card has been blocked or compromised. No one wants to have their cards unavailable for use, and some folks may react before they realize it’s a scam. That’s exactly what these criminal want.

Please be especially cautious of emails, text messages and phone calls this holiday season. If someone reaches out to you and asks you to provide personal or financial information, it’s in all likelihood a scam. If you are unsure if the call is legitimate, reach out to your financial institution directly to inquire about the status of your account. Do not respond or reply to the email, text message or phone call received.

Please share this scam alert and these preventative measures with your friends and family to raise awareness and to avoid becoming a scam victim.

Phone “Spoofing” Scam

Posted in Fraud Alerts on 10.30.17

Fraudsters are now “spoofing” phone numbers from financial institutions with the hope that call recipients will divulge their personal and financial information, especially credit card data. The caller will identify themselves as being from the credit union or bank and inform the recipient that they are eligible for a lower credit card rate as a result of credit information supplied by Equifax, Experian, or TransUnion (all consumer credit bureaus). Unsuspecting call recipients may be tricked into sharing their card data which can then be used by the fraudster to run up unauthorized charges.

We’ve learned that the Jeanne D’Arc Credit Union name is now being used in these scams.
Caller ID may show as JDCU and the caller may identify themselves as “Harry Williams” (or any other name the fraudster chooses to use).

Please be very cautious when responding to phone calls, emails and text messages regarding Equifax or any other credit bureau. Never share your personal or financial information with unsolicited callers. If you are asked to provide your credit card data or account number information, simply hang up. It’s best to not engage these fraudsters in any conversation. If you are unsure if the call is legitimate, please reach out to your financial institution directly.

The “Bad Rabbit” ransomware

Posted in Fraud Alerts on 10.25.17

Please be advised that a new cyberattack has been launched that involves a virulent strain of ransomware known as “Bad Rabbit”. This attack has swept through Europe and security experts indicate that the United States is starting to see related activity.

This attack starts with social engineering. You receive an email or visit an infected website where a pop-up message to install an Adobe update appears. If you click on either the “Remind me Later” or “Install” button, the malware is unleashed and your computer files are encrypted until you pay the ransom (0.05 bitcoin, which is about $275). You are given only 40 hours to pay the ransom.

Please do all you can to avoid becoming victimized by this nasty ransomware. Never click on any email links or website pop-ups asking you to install software upgrades or patches without verifying their legitimacy.

The FBI has also cautioned victims against paying any ransom, as most often you’ll never get the decryption keys from the hacker. Visit the FBI’s Internet Crime website to file a complaint.

Remember, always think before you click!

Equifax Breach

Posted in Fraud Alerts on 9.12.17

Cyber criminals have stolen 143 million credit records in the recent hacking scandal at the credit bureau, Equifax, and at this point you have to assume that the bad guys already have the highly personal information that they can use to trick you. You need to watch out for the following things:

  • Phishing emails that claim to be from Equifax where you can check if your data was compromised
  • Phishing emails that claim there is a problem with a credit card, your credit record, or other personal financial information
  • Calls from scammers that claim they are from your bank or credit union
  • Fraudulent charges on a credit card because your identity was stolen

Best advice? Don’t click on any links or open up any attachments in unsolicited emails, and hang up on phone scammers! If you need information about the status of your bank or credit card account, contact your financial institution directly.

Here are 5 things you can do to prevent identity theft:

  • First, sign up for credit monitoring. There are many companies providing this service including Equifax, but you need to know that if you do sign up for Equifax’s free 1-year monitoring service, you will be unable to join any forthcoming lawsuits against the company. Also note that most if not all monitoring services charge a fee, so do your homework before signing up.
  • Next freeze your credit files at the three major credit bureaus Equifax, Experian and TransUnion. You will have to visit each credit bureau’s website and follow their credit freeze instructions. Again, fees may apply, so do your homework.
  • Check your credit reports via the free annualcreditreport.com. You are entitled to 1 free report per year from EACH of the 3 credit bureaus. Best advice? Rotate your requests to download a report every 4 months. Sounds like a lot of work, but your credit history and your identity will thank you for it!
  • Check your bank and credit card statements for any unauthorized activity and report it immediately
  • If you believe you may have been the victim of identity theft, visit FTC.gov or FBI.gov for more information or to file a complaint.

Amazon Prime Day Review Scam

Posted in Fraud Alerts on 9.6.17

Amazon logoA new, realistic-looking email phishing scam is targeting Amazon customers.

Cyber criminals are sending mass emails, which appear to come from Amazon, that thank recipients for making purchases on Amazon’s Prime Day in July. The emails provide a link for recipients to visit Amazon website’s to “write a review” to receive a special $50 bonus credit.

However, if users click the link, they are routed to the fraudsters’ clone of the Amazon site where they enter their credentials (i.e., their usernames and passwords) when prompted. The criminal can then gain access to their accounts. Additionally, it is possible that the fake site may install malware on computers or mobile devices being used to access it.

The email is realistic looking – it even contains manual instructions in case one does not want to click the first link. But, following those instructions is not any safer because it also includes a link to a bogus Amazon.com.

If you ever receive an email from Amazon that asks you to take action, it’s safest to ignore any links in the email and instead enter https://www.amazon.com in your web browser. Once you log in, you can access your orders, and communicate with customer service regarding any questions. This ensures you are using the legitimate Amazon website.