Information from VISA on protecting your identity.

February 2012 - Credit unions have been receiving fraudulent e-mail that appears to be sent from NACHA. The subject line of the e-mail may state something such as "ACH transfer rejected". The e-mails include links which are not leading back to NACHA. They are instead leading you to sites that are either phishing for your personal information, downloading malware to your PC, or both.

Do not click on these links! You should never click on links within any unsolicited emails that you receive or within any emails that appear to be suspicious.

January 2012 - Another Version of Zeus is on the Loose

The Federal Bureau of Investigation (FBI) recently issued an alert on a new version of the Zeus Trojan called Gameover, which is distributed via spear phishing attacks aimed at commercial accounts and ultimately lead to account takeovers. Emails purporting to be from NACHA (The Electronic Payments Association) inform the victim organizations of a failed ACH transaction. The victim’s computer is infected with the Trojan when they click on the link contained in the email.

April 2011 - Consumers are being alerted to watch for spoofed emails that may attempt to get them to click on viral attachments or harmful Web links.

The warning follows the theft of potentially millions of individual customer names and email addresses from Epsilon, a Dallas-based firm that provides email marketing and other services for some 2,500 large companies.

Among the affected companies are financial companies like Capital One Financial, Barclays Bank, U.S. Bancorp, Citigroup, Ameriprise Financial and JPMorgan Chase, and retailers like Best Buy, TiVo, Walgreen, and Kroger.

The College Board, the organization that runs the SATs, also warned that a hacker may have obtained student email addresses. Walt Disney Co.’s travel subsidiary, Disney Destinations, and hotel chain Marriott International sent emails warning customers on Sunday.

Think twice if you receive an email with an amazing offer. Cyber criminals can send phishing messages to trick individuals into clicking on an attachment or harmful link. The intruder can then take full control of the victim’s PC.

October 2010 - NCUA E-Mail Scam Alert. The perpetrator(s) are sending fraudulent e-mails, representing to be from the NCUA, to credit union members and the general public. The emails state the NCUA will add $50.00 to the member’s account for taking part in a survey. The link embedded in the message directs members to a counterfeit version of NCUA’s website with an illicit survey that solicits credit card account numbers and confidential personal information.

The Credit Union nor the NCUA will ever solicit your account information via the internet.

September 2010 - A new virus based in e-mails with the subject line, “Here You have,” began running rampant Thursday, hitting corporate America hard. McAfee acknowledged the attack was affecting corporations around the world. Spam mail flooded inboxes of major corporations and other organizations. Comcast was forced to shut down its e-mail servers entirely after being hit, a spokesperson said on Twitter. By late Thursday, the spam subject was the second hottest search on Google.

The message was essentially an e-mail-based worm that has a link that alleges to be a pdf document and it wants the user to click on. It has the capabilities to spread virally once it's installed on a computer.

May 2010 - Fraud Alert! Members have reported receiving messages on their Blackberries purportedly from CUNA Mutual asking for personal information regarding their VISA credit cards. These messages are fake, please do NOT respond to them. If you received one of these messages and have already responded to it, please call the Lost/Stolen Card Number at 1-800-991-4961 immediately to protect your account!

January 2010 - As we all know, fraud is running rampant in the Credit Card Industry.  Your Visa cards are constantly being monitored by a Fraud Alert Management service.  If there is a risk with your card, you will be contacted by phone.  The individual or automated caller will follow this procedure:

·        Identifies that the call is from Heinz-Del Monte FCU Card Service Center.

·        Confirms that you are the cardholder.

·        If the cardholder is unavailable, a message is left asking that the cardholder return

the call, and provides the toll-free number (1-800-890-5097).

·        If the cardholder is available,  the system verifies their identity by prompting entry

of the last four digits of their  social Security number.

When the cardholder’s identity is confirmed, they are then prompted to confirm the reported transactions as legitimate or suspect.  If the cardholder indicated that they do not recognize the transactions, they will be routed to a Fraud Alert Specialist.  If all transactions are legitimate, the call is completed and no action is taken.

If you are notified of a possible fraud, please cooperate by either returning the call using the 800 number or by calling the credit union at 412-322-7092.  With your help, we can reduce fraud incidents with our credit cards.

May 2009 - We have been made aware of a phishing scam that involves individuals receiving a text message informing them that their card has been blocked and instructing them to call a phone number to reactivate.

March 2009 - We have been made aware that cardholders are receiving phone calls from an automated voice service (AVS) stating that there is an issue with their debit card.  At this time the calls are only occurring in PA, but I would like everyone to know if the fraudsters expand to other states.  The recording asks the cardholder to provide personal information over the phone.  Please note that this is a Phishing Scam and your cardholders should disconnect and not provide any information to the AVS.  If you do, please contact us immediately.

February 2009 - KDKA TV Reports Local Credit Union victims of scam.

January 2009 - A fraudulent e-mail seeking credit card information (known as a "phishing fraud") has been circulating nationwide since 2 p.m. EST today. This fraudulent phishing email appears to be from NCUA and contains a link purportedly to obtain a subscription for the NCUA Express Subscription service. When that link is used, the recipient is directed to a "clone" of the NCUA Express Service site that seeks credit card information from those to whom the phish was sent. If you receive such an email, please ignore it, as it is fraudulent. The NCUA does NOT charge for the Express Subscription service and does NOT solicit credit card information over the Internet. If you have questions or comments, please contact the NCUA Fraud Hotline at 800-827-9650 or, during off duty hours, at 703-728-0700

January 2009 - Warning: Members have reported receiving a bogus e-mail purporting to be from ezcardinfo.com notifying them that their account will be deactivated if they do not follow a link and update their account information. This is a scam designed to gather enough information to make purchases using your card. Do not respond to these e-mails or follow the links contained in them.

April 2008 - The National Credit Union Administration has issued a fraud alert about a scam that involves unsolicited text messages sent to cell phones. The message urges the recipient to call a number provided for information about account discrepancies and then solicits individual account information and Personal Identification Numbers.

Cell phone users should be weary of unsolicited text messages. Such messages should be deleted and all deleted text messages should be removed, if possible, as the perpetrators have been known to use Spyware* in conjunction with their text message solicitation.

Such a scam could be used to obtain personally identifiable information and credit union account access information.

When contacting Heinz-Del Monte Federal Credit Union, always use our phone numbers as listed on our Contact page.

*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.