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In effort to help our members from falling victim to these schemes, we have created this section of our site. We will provide information regarding recent and common scams and fraud schemes that we are aware of.
You will also find information below on what to do in the event that you have or believe you have been a victim of a scam.
UBCCU will never send you an e-mail or text message requesting account information. We have all your account information on file. If you contact us, we will ask you for certain information to ensure your identity. |
Recent Scam Reports
The listing below contains scams that UBCCU has become aware of that could potentially affect our members. Please be aware that this is not a comprehensive list, and that you should always be alert and ask yourself "does this make sense?"
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Internet Banking Redirect |
Updated: 1/25/2010
Originally Posted 12/29/2009
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UBCCU was notified by our Internet Banking partner that users from other credit unions have reported being redirected to a page asking for ATM/Debit/Credit Card information (card number, expiration date, card security code, and PIN) when attempting to access Internet Banking systems.
We have received reports from members that lead us to believe that they have been affected by this scam. This scam is accomplished through malware (malicious software on the user's computer) that detects attempts to log in to Internet Banking and redirects the user to a different site the appears to be legitimate. We recommend that all users have some type of antivirus and malware detection software on their computer.
Additionally, UBCCU does use Multifactor Authentication (MFA) to help protect and verify access to our Internet Banking system. The MFA system does not and will not be configured to ask for account specific information such as card numbers or expiration dates.
The MFA system does not use information we already have on file to verify your identity. It uses personal information questions such as "your favorite hobby" or "the model of your first car", which is information the CU does not keep record of. |
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Cell Phone Text Messaging |
Posted: 1/18/2010 |
UBCCU was notified by some of our members that they received text messages on their cellular phones advising them that their ATM/Debit/VISA card had been suspended. The text messages said they were from Saginaw Medical Federal Credit Union and had an 800 number to call. When calling the 800 number, it asked for the card information (number, expiration date, etc.)
If you receive any messages like this, they are a scam designed to steal your card information. If you ever suspect a problem with your card, only call the telephone numbers located on the card or the credit union. |
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View the full list |
What to do if you fall victim to a scam:
- Contact UBCCU at (989) 892-4597 or 1-800-968-7696. Representatives will be able to assist you in protecting your UBCCU accounts.
- If you use E-Banking, log in immediately and change the password
- Contact your local police department or law enforcement agency and inquire about filing a report.
- Report suspicious contacts to the Federal Trade Commission (FTC) at: www.ftc.gov/idtheft or call 1-877-IDTHEFT.
- If you have disclosed sensitive or personal information, we recommend you contact one of the three major credit bureaus and inquiry about placing a fraud alert on your file. This will help prevent imposters from opening accounts using your information. Below are the telephone numbers for the fraud divisions at each bureau:
Experian: 888-397-3742 |
TransUnion: 800-680-7289 |
Equifax: 800-525-6285 |
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Fraud Glossary
For additional information on protecting yourself and your accounts - check out the Articles Archive
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