保护您的帐户免受最新的骗子

消费者喜欢科技，骗子也一样. While e-banking is a secure way to manage finances online, fraudsters often trick people into sharing the very security details designed to keep their accounts safe. These bad actors combine stolen account details or other personally identifiable information along with smishing and vishing techniques to steal money directly from members by pretending to be credit union representatives.

新沙巴体育网 how this growing fraud scheme works and what you can do to avoid becoming a victim.

什么是微笑??

Smishing is a phishing scheme that uses spoofed SMS text messages to convince people they are receiving communications from a trusted source.

如何进行欺骗?

Crooks contact members by sending an SMS text message that appears to originate from Credit Union of Colorado, tricking members into believing the notification is legitimate. The message falsely claims that the member needs to click on a link or respond to the text to confirm suspicious account activity or confirm a loan approval.

The member may be instructed to enter their account credentials, 密码, or other confidential information to help quickly resolve the issue. The scammer uses this information to log in to the member's account or commit other fraudulent acts.

The text message may instruct the member to call a phone number instead of clicking on a link — but the call goes to the scammer, 不是信用社. 在电话直播中, the scammer pretends urgent account access is needed so they can resolve a fraud alert or another account issue. Their 目标 是 have the member share the one-time 密码 that's sent to the member's telephone. The member is unaware that the fraudster has triggered the 密码 and is ready to enter it so they can proceed to their next step.

如果会员质疑为什么需要帐户信息, the criminal says they need to verify the member's identity. 一旦骗子登录了账户, they 锁定该成员的帐户 by changing the e-banking login credentials, and then they transfer the funds to an external account within minutes.

什么是钓鱼??

钓鱼是另一种类型的网络钓鱼计划. This scheme uses spoofed phone numbers and caller ID displays, so calls appear to be coming from the Credit Union of Colorado, convincing members they are receiving communication from a trusted source.

钓鱼是如何工作的?

Fraudsters pretending to be credit union employees contact members via telephone and claim that they need help resolving an issue with one of the member's accounts. The phone call appears to be from the credit union's main number, 来电显示上写着"科罗拉多信用社", tricking the member into believing the call is legitimate.

The call is conducted in a manner similar to that of a live call initiated by a smishing scam. The scammer says account access is urgently needed so they can resolve a fraud alert or another account issue. They want the member to share the one-time 密码 that's sent to the member's telephone. The member doesn't know that the fraudster has triggered the 密码 and is ready to enter it so they can proceed to their next step.

If the member questions why their login information is needed, the criminal says they can't verify the member's identity without it. 一旦骗子登陆, 他们更改了电子沙巴买球的登录凭证, 锁定该成员的帐户, and transfer the member's funds to an external account within minutes.

保护您的帐户免受骗子的提示

Resist the urge to immediately respond to SMS text messages or voice calls requesting confidential information, even if they appear to originate from the Credit Union of Colorado.

请记住，合法账户:

• Do not require you to provide account credentials via SMS text message or to another person via telephone
• Do not ask you to click on hyperlinks provided via SMS text message or email as the only means of resolving an account issue
• May require that you provide a simple response of “YES” or “NO” but not anything more.
• Encourage you to contact the financial institution at the main phone number on the website, not a hyperlinked number that appears in the communication

If you believe someone is attempting to or has gained access to your account, contact the credit union at (800) 444-4816 to report the incident.