Fraud Protection & Identity Theft

Don't Get Scammed!

These days, there are more ways to connect to other people than ever before. And unfortunately, that means scammers too. Lots of apps and websites that are supposed to make our lives easier can also make it easier for criminals to steal your money or your identity.

We want to help protect you. Below is valuable information about fraud protection and identity theft, along with steps to take should you become a victim.

  • How do I protect myself from Online and Telephone Fraud?

    Here are seven tips to help you steer clear of fraudsters and stay scam-free.

    1. Never give anybody your login credentials and passwords. A legitimate business will NEVER ask for your online banking login.
    2. Don’t fall for “secret shopper” scams. Never give information or money to someone who contacts you with a “secret shopper” opportunity. There are legitimate secret shopper companies, but you should be the one contacting them. Never do business with “mystery” or “secret shopper” firms who:
      • Advertise for shoppers in classified ads or through email
      • Require that you pay for “certification” or to get access to mystery shopper jobs
      • Guarantee you a job as a mystery shopper
      • Ask you to deposit a check for them and wire some or all of the money to someone.
    3. Don’t get scammed by an online buyer. Selling something online? Look for these warning signs that your buyer might be out to scam you:
      • The buyer can’t meet in person
      • The buyer offers more money than you were asking
      • The buyer asks you to send money through Western Union or MoneyGram
      • The buyer only sends you text messages and won’t speak to you on the phone
    4. Watch out for tech support and virus removal scams. If you receive a pop-up message, phone call, spam email, or other “urgent” message about problems with your computer, don’t respond. Don’t click on any links, don’t give out any information, and don’t send any money.
    5. Beware of fake IRS agents. The IRS will never call you about past due taxes and threaten you over payment. And they’ll never ask you to “confirm” your Social Security number or bank account information.
    6. You can’t win a lottery in a foreign country. You can’t win a lottery you didn’t enter. Scammers may try to pressure or trick you into giving them personal information, but don’t fall for it!
    7. Verify all emergency calls. Scammers may call or contacting you via email or text posing as relatives or friends. They’ll say that they’re in some terrible situation and beg you to send money immediately. Calls like this can be scary, and naturally you’ll want to help. But you should always verify any supposed emergency:
      • Hang up and call the family member or friend at a number you know to be genuine.
      • Double check the story with other friends and family.
      • Never wire money, use money transfer apps, or send money via overnight delivery options to people or places you aren’t familiar with.
  • What is Identity Theft?

    Identity theft happens when someone uses your personal information to steal your money and credit. This type of crime can ruin your credit and affect your ability to get insurance, mortgages, and even a job.

  • How can I protect myself from identity theft?

    You can help protect yourself against identity theft with these tips:

    • Do not give out personal information such as your account or credit card numbers over the phone unless you're the one making the call.
    • Report lost or stolen checks immediately, properly store cancelled checks, and examine new check orders to verify that no checks are missing.
    • Destroy all credit card applications, financial documents, statements, and receipts before discarding them.
    • Guard your ATM PIN. Don't write it down anywhere.
    • Make sure your mailbox is secure, and collect mail promptly as it’s delivered. If a locked mailbox isn't available where you live, consider having bank statements & other important documents delivered to a P.O. box.
    • Contact a credit-reporting agency annually to review your credit status and files. If you have minor children, check their credit reports too.
    • Never click on links in emails that ask you to "update" or "verify" your account information.
    • Never have your Social Security and driver license numbers printed on your checks.
    • When shopping online, only buy from secure websites (web addresses should start with "https://" and should have a small lock icon next to the address in the browser window)
    • Install good anti-virus software on your computer and keep it updated.
    • Use strong passwords for your online banking and shopping accounts. 
    • Never carry your Social Security or Medicare card with you.
    • Keep copies of all of your credit cards in a secure, locked drawer or safe in case your wallet is stolen.

    Christian Community Credit Union will never send text messages, instant messages or email members asking them to provide and/or verify their Social Security Number, account number or personal identification information including passwords or Personal ID Number (PIN). 

  • I think I've been a victim of fraud. What should I do?

    If you have been a victim of this kind of fraud, or if you have mistakenly supplied confidential information to someone else, please contact us immediately at 800-347-CCCU (2228). We will take steps to protect you.

    You should also contact:

    We have also compiled a list of other resources to help you recover from identity theft.

  • How can I protect my credit and debit cards from online fraud?

    Verified by Visa is a free service that allows you to create a password to confirm your online purchases. It ensures you that only you can use your Visa credit card online and protects you from unauthorized purchases. Once activated, your card will be automatically recognized as protected by Verified by Visa at participating online stores. Shop online with added safety and peace of mind.

There are a lot of scammers out there, but staying calm and using tips like these can help you avoid them. For more online safety tips and information, visit our Privacy & Security page.

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