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September 23, 2011

It has come to the attention of ACU of Texas that some members are receiving e-mails from the Federal Deposit Insurance Corporation stating that your wire and ACH transactions have been temporarily suspended. The email instructs you to please open the attached document (Adobe PDF) for more information. Do not click on the attachment. It is safest not to respond at all. ACU of Texas does not contact members via e-mail regarding fraud or suspended accounts and will never request personal information in this manner.

End users who opened the attachment should consult with a computer security or anti-virus specialist to assess the need to re-install a clean image of the computer system.  ACU of Texas  encourages you to take the following additional precautions: 

  • Scan affected computers using updated anti-virus software.
  • Enable automatic updates for anti-virus software and computer operating systems. 
  • Install security patches for common software applications promptly.
  • Be aware that phishing e-mails frequently have links to Web pages that host malicious code and software. 
  • Do not open unsolicited or unexpected e-mail attachments.
  • Do not follow Web links in unsolicited e-mails from apparent federal banking agencies, instead, bookmark or type the agency's Web address.
  • Call the agency using a known and appropriate telephone number to verify the legitimacy of the message and attached file

 

May 16, 2011

It has come to the attention of ACU of Texas that some members are receiving text message notifications communicating their card has been blocked and to call (866) 202-9457.

When the number is called an automated system asks for card verification and/or an activation process. The automated system mentions there is an issue with the card, and the member is transferred. The second automated system asks for the 16 digit card number, expiration date and cvv number. The system explains the card has currently been blocked, and the member will receive notification of when the account may be used again.

The text message is fraudulent and is an attempt to steal sensitive information. Do not respond to this request.

Remember, ACU of Texas or other legitimate organizations will never contact members to request personal information such as cards numbers, member numbers, Personal Identification Numbers (PINs) or passwords. Never give out your personal information unless you have initiated contact.

Please contact ACU of Texas immediately in the event you have responded to this type of text communication.

Previous Scam Alerts

March 21, 2011 - Text Message Scam Alert

October 7, 2010 - Recent Phishing Alert Texas Credit Union League

October 1, 2010 - E-mail Scam Alert

Never Give Out Your Personal Information

ALWAYS remember ACU of Texas will NEVER request personal information over the phone or the Internet. You should never respond to any emails or phone calls requesting this type of information. If you receive a suspicious e-mail from ACU of Texas, please feel free to report it to the credit union by emailing us at help@acutx.org or calling 281-479-3441 or 409-945-4474.

What is Identity Theft?

Identity theft occurs when someone steals your checks, Social Security Number or other personal information, without your knowledge, to commit fraud or theft. With your personal information identity thieves can open accounts, purchase vehicles, apply for loans and much more. The Federal Trade Commission estimates that as many as 9 million Americans have their identities stolen each year. It could affect you or someone you know at any time, and it could take up to months to discover you have even become a victim. 

The Internet continues to attract criminals who are developing new techniques to steal your personal information and gain access to your accounts. Phishing is a technique used to create e-mails pretending to be a legitimate institution in an attempt to obtain your personal information. The e-mail directs you to a false website that looks very similar to the original. A fraudulent email may then ask you to enter personal information such as your account number or Social Security Number. Submitting any personal information requested makes you extremely vulnerable to fraud and theft.

Phishing e-mails typically have signals you can look for, such as incorrect spelling or bad grammar. You should also be alarmed if an email asks you to activate an account or update your information.   ALWAYS remember ACU of Texas will NEVER request personal information over the phone or the Internet. You should never respond to any emails requesting this type of information.  If you receive a suspicious e-mail from ACU of Texas, please feel free to report it to the credit union by emailing us at help@acutx.org or calling 281-479-3441 or 409-945-4474.

Steps You Can Take to Keep Your Identity Safe

  • Never give personal information over the telephone, through the mail, through e-mail or over the Internet unless you initiated the contact.
  • Shred all confidential information such as expired credit cards, pre-approved credit applications, credit card receipts, and bills before throwing them out.
  • Review your credit report from the three major credit bureaus once a year.
  • Make sure you are aware of all accounts listed
  • Look for any copies of your credit report being sent to unknown sources
  • Make sure there are no inquiries you didn't apply for
  • Check for addresses where you have never lived
  • Compile a list of all current accounts and credit cards including account numbers and contact phone numbers to easily call and cancel if lost or stolen. Always store it in a secure place in your home.
  • Do not keep Personal Identification Numbers (PINs) with your cards or in your wallet.
  • Review your statements promptly and match all receipts against your monthly credit card bills.
  • Report all lost or stolen cards immediately.

What to do if You Think You are a Victim of Identity Theft

  • Contact ACU of Texas, other financial institutions you may use and your creditors to protect your accounts and close them if necessary.
  • Report the theft to the local police department. Ask the police to file a report and give you a copy. You may need this report to help correct your credit report.
  • Report stolen mail to your local postal inspector.
  • File a complaint with the FTC by contacting the FTC's Identity Theft Hotline toll free at 1-877-IDTHEFT (438-4338).
  • Report all identity theft to the fraud division of each major credit bureau:

Equifax
Consumer Fraud Division
P.O. Box 740256
Atlanta, GA 30374
800-525-6285

TransUnion
Fraud Victim Assistance
P.O. Box 6790
Fullerton, CA 92834
800-680-7289

Experian
National Consumer Assistance
P.O. Box 1017
Allen, TX 75013
888-397-3742

Helpful Links
The following websites contain additional information regarding the prevention of identity theft and what to do if you become a victim. For step-by-step instructions on how to report identity theft visit www.ftc.gov.

http://www.ftc.gov/bcp/edu/microsites/idtheft/
www.identitytheft.org
www.antiphishing.org
www.privacyrights.org