Protecting our members from fraud is a high priority for us. In an effort to raise awareness and protect our members from identity theft, we want to share information about the latest scams.

Spoofing

What is Spoofing

Caller ID “Spoofing” is one of the latest scams being used by fraudsters. Spoofing is a term used to refer to phone scams. Scammers will change the number that appears on a Caller ID to trick you. The number that appears could be from a legitimate business or government agency, so exercise caution when answering. Scammers will trick someone into giving away personal information.

Don’t Fall for Spoofing Scams

Remember, Firstmark Credit Union will never call members and ask for confidential information. We already have your account information. Here are some tips to keep in mind:

  • Don’t answer calls from unknown numbers.
  • If you answer a call from an unknown number, hang up immediately.
  • Do not respond to any questions, especially if the questions can be answered with a “Yes” or “No.”
  • Never give out personal information just because the caller asks for it.
  • Do not give out account numbers, Social Security numbers, mother’s maiden names, passwords or other identifying information.
  • The call may be from a person or company you know, so tell the caller you'll get back to them and hang up.
  • If you think you may have been a victim of a scam, call the Member Care Center immediately at 210.442.0100.
Smishing

What is Smishing?

“Smishing” (SMS phishing) is a text messaging scam that continues to become more prevalent. Smishing is similar to email “phishing” scams and as a result, identity theft.

A smishing attack uses a text message to deceive an unsuspecting individual into providing valuable information, such as an account number, card number, CVV number, card expiration date, password/pin, Social Security number and other personally identifiable information. Once obtained, scammers use the information to generate, among other things, counterfeit ATM cards. Attackers may then generate a fictitious card and begin conducting fraudulent cash withdrawals, sometimes in as little as an hour.

How it Works

A smishing attack uses a text message to deceive an unsuspecting individual into providing valuable information, such as an account number, card number, CVV number, card expiration date, password/pin, Social Security number and other personally identifiable information. Once obtained, scammers use the information to generate, among other things, counterfeit ATM cards. Attackers may then generate a fictitious card and begin conducting fraudulent cash withdrawals, sometimes in as little as an hour.

If you suspect you have been a victim of smishing, please notify our Member Care Center at 210.442.0100 or your nearest Financial Center.

Five (5) Tips to Protect Yourself from Identity Theft

  1. Use strong passwords
  2. Do not give out personal information (a financial institution already has your information)
  3. Limit oversharing on social networks
  4. Store important financial records safely
  5. Shred old statements, unused personal checks, invoices and financial information

The Smishing Alert was shared by the Texas Credit Union Department.

Identity Theft

If you feel you have been a victim of identity theft, protect yourself by following the four steps below:

  1. Place a fraud alert on your credit reports and review your credit report.
    • Contact one credit reporting company.
      • Ask the company to put a fraud alert on your credit file.
      • Confirm that the company you call will contact the other 2 companies.
      • Placing a fraud alert is free. The initial fraud alert stays on your credit report for 90 days.
      • Be sure the credit reporting companies have your current contact information so they can get in touch with you.
    • Update your files.
      • The credit reporting company will explain that you can get a free credit report, and other rights you have.
    • Mark your calendar.
      • The initial fraud alert stays on your report for 90 days. You can renew it after 90 days.
    • Update your files.
      • Record the dates you made calls or sent letters.
      • Keep copies of letters in your files.
  2. Close accounts you believe have been tampered with or opened fraudulently.
  3. File a police report locally or where the identity theft took place.
  4. File a complaint with the Federal Trade Commission (FTC) ftc.gov/idtheft or call 1-877-ID-THEFT (438-4338).

Resources:

Protect Your Firstmark Credit Union VISA®
Register for a Verified by VISA®

Free Credit Report (annually):
annualcreditreport.com

Credit Reporting Companies

Equifax
(800) 525-6285
P.O. Box 740241
Atlanta, GA 30374-0241

Experian
(888) 397-3742
P.O. Box 9532
Allen, TX 75013

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