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If you are unsure of your PIN, please contact us at 805-384-1100 for further assistance.
Current Scams
FRAUDULENT TEXT ALERT - BEWARE!
(November 23, 2009)
Several members have reported receiving fraudulent text messages...reportedly sent from Pacific Oaks. The text alerts the member that their account is blocked and provides an 877 number to respond to. When called, this number prompts the caller to input an account number and PIN.
This text message was not sent from Pacific Oaks.
The actual text reads as follows:
8773810740@nyfcu.com Your Credit Union account locked. Call Electronic Banking Services at 1-877-381-0740 for assistance.
UPDATE: The 877 number is not in service as of 10:40am Monday.
Beware - New Email Phishing Attempt
(November 2009)
NACHA - The Electronic Payments Association - has issued an advisory to financial institutions about phishing emails designed to appear as if they were sent from NACHA warning users about failed ACH transactions. The e-mail includes a link that, if clicked, redirects the individual to a fake web page that appears to be a NACHA website and contains a link that almost certainly leads to a Jabber/Zeus malware download.
Fraudulet Text Alert
(August 2009)
We have received a few reports of members receiving the following text message:
(Credit Union National Association - Please call us immediately at 8772538071 to reactivate your account!)
The number contained in the text is an inactive number and this message was not sent by Pacific Oaks or the Credit Union National Association.
Email Scam targets credit union Visa cardholders
If you receive this email, delete it immediately. This email is not from Visa or Pacific Oaks Federal Credit Union.
Don’t be the target of criminals!
Congratulations! You may receive a certified check for up to $400,000,000 U.S. CASH! One Lump sum! Tax free! Your odds to WIN are 1-6. “Hundreds of U.S. citizens win every week using our secret system! You can win as much as you want!”
In today’s harsh and uncertain economy, scammers are preying evermore on the disheartened or desperate. The above is an example of a foreign lottery scam, which may seem unbelievable to you here, but an increasing number of victims are falling prey.
One landlord was contacted by someone moving to the US from London. The new renter sent a check for $25,000 and asked the landlord to deduct what was owned for the first month's rent and the security deposit. The request asked that the balance be wired back to his agent, who would use the remainder to shop for the new furnishings. The landlord wired the $21,000 back after contacting the bank to see if the check had cleared. About a week later, the check had been returned unpaid and the landlord was our $21,000…and still had no renter.
One victim, suffering from health problems, thought she got a dose of good news in the mail when she won $90,000 in a European lottery. Once the check had been deposited and posted to her account, the winner was instructed to wire back $40,000 for fees and taxes. When the check was discovered to be a phony, the victim had to repay $40,000 to the bank.
Yet another scam involves an item you might have listed for sale such as a car, truck or some other expensive item. The scammer offers to pay much more than your asking price – supposedly for international fees to ship the car oversees. You have now lost the item you were selling, the cash you sent with the car, and you owe a hefty sum of money to your bank to cover for the bad money order or the fake cashier's check.
How can you protect yourself?
Fore more information visit:
United States Postal Inspection Service
Federal Bureau of Investigations
SANS Institute Resource Center
USPS and FTC were sources for some of the above information.
Daily, people receive phishing e-mails claiming to be from legitimate organizations, organizations such as NCUA (National Credit Union Administration), FDIC (Federal Deposit Insurance Corporation), CUNA (Credit Union National Association) or other financial service providers. The approach used by the criminals is ever evolving, but they all have a common goal, to put YOU at risk. Some are attempts to steal your identity; others are efforts to gain access to your assets. Remember, k eep your credit card and bank account numbers to yourself. Scam artists often ask for them during an unsolicited sales pitch via phone or email.
Home Banking Multifactor Authentication: Multi-Factor Authentication helps to protect against online fraud by providing additional methods of authentication "factors" beyond the username and password, thereby making authentication far more robust.
Credit and Debit Card Protection: We have you covered with the Falcon® Fraud Manager system for all your credit and debit transactions. With Falcon, you will have the benefit of knowing that your purchases are protected from fraud. This gives you peace of mind that your security is our first priority. Feel more secure each time you use your card. For more information on Falcon®, call our Electronic Services Department at 805-384-1100.
Verified by Visa - Protect your Visa card online with a personal password
Click here to download an informative booklet on protecting your identity from thieves.
IRS Warns of New Email and Telephone Scams using the IRS Name
Click the link above for the full story.
