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Fraud and Scam Alerts Lucky's/Save Mart Reports Tampered Payment Terminals The Santa Cruz Sentinel and San Jose Mercury News reported on December 7, 2011, that payment terminals at 23 area Lucky's and SaveMart grocery stores contained a skimming device used to capture customer credit and debit card information. While the hacked terminals were discovered and replaced in late November, the grocery stores have just begun to receive fraud complaints from their customers. Instructions for Compromised Cards If you are a Lucky's/SaveMart customer and are concerned that your debit or credit card may have been compromised, here is what you should do:
Cardholders do not need to close their accounts, just their cards. If your debit or credit card is ever lost or stolen, or if your card numbers have been compromised, you should cancel your cards immediately, but you do not need to close your checking or credit card accounts. Here's why:
In most cases, cancelling a compromised card is the best way to protect your accounts from fraud; however, if additional information about you or your accounts has been stolen, account closure may be necessary. If you are uncertain about the correct way to deal with a lost, stolen, or compromised card, call the issuing financial institution for information. At Bay Federal Credit Union, the safety and security of your accounts and personal information are among our top priorities. If you are concerned about potential account fraud, or if you have any questions about the measures we take to safeguard your accounts and information, please contact us at 831.479.6000 or 888.4BAYFED, option 3. February 1, 2011 Business Alert: Another Trojan Makes Headlines Risk Type: Funds/Wire Transfer, Other, Scams Details:
Bredolab is also distributed by drive-by downloads. In a drive-by download, the victim's computer is infected simply by visiting an infected website. The malware is downloaded to the victim's computer without their knowledge. February 3, 2011 Consumer Alert: November 9, 2010 Consumer Alert: The IRS recently became aware of a fraudulent scheme targeting EFTPS users, the scheme uses an e-mail that claims your tax payment was rejected and directs you to a website for additional information. The website contains malware that will attempt to infect your computer. If you receive a message claiming to be from the IRS or EFTPS, please:
How to report and identify phishing, e-mail scams and bogus IRS websites: EFTPS is a tax payment system provided free by the U.S. Department of Treasury. Pay federal taxes electronically via the Internet or phone 24/7. Visit EFTPS to enroll. The IRS does not initiate taxpayer communications through e-mail. September 28, 2010 Consumer Alert: Counterfeit Cashier’s checks are being distributed in the mail purporting to be drawn on Bay Federal Credit Union. We have been alerted that unsolicited packages are being received in the mail from a company called “BMA Survey 4 Check Mystery Shoppers Shopping." The address on the letter is P.O. Box 170, Kent, Washington, 98012-1902. Included in the package is a counterfeit Cashier’s check with the name of Bay Federal Credit Union printed on it. The instructions in the letter is to deposit the enclosed check in the recipient’s account at a bank, perform research with some listed major retail chains, and to send the bulk of the funds from the check back to the company via Western Union. If you are in receipt of a package from BMA Survey 4 Check Mystery Shoppers, please be aware the enclosed check is not valid. Please do not deposit the check in your account nor send funds to BMA Survey 4 Check Mystery Shoppers. If you have deposited the check, do not send funds through Western Union or any other method to BMA Survey 4 Check Mystery Shoppers. The check will be returned to your depositing financial institution and your account will be charged back for the amount of the check. If you receive a similar package, please report it immediately to your local law enforcement office and the following: US Postal Service Mail Fraud Complaints, or call toll-free: 1-877-876-2455 If you ever become concerned about the safety and security of your accounts or personal identification information, be sure to contact us immediately at 831.479.6000 or 888.4BAYFED. Update August 27, 2010 Consumer Alert: Counterfeit Cashier’s checks are being distributed in the mail purporting to be drawn on Bay Federal Credit Union. Unlike our official Cashiers checks featuring local scenes, the counterfeit checks have a bluish background that fades from left to right to a pinkish color. The counterfeit checks also feature a seal for a heat activated security sensor. We have been alerted that unsolicited packages are being received in the mail from a company called “Survey in Motion Research, Inc” . The address on the letter is 129 Central Avenue Kent, WA 98032 7439. The envelope is postmarked and mailed from Ontario Canada. The letter enclosed explains Survey in Motion is a research group in Kent, WA. Included in the package is a counterfeit Cashier’s check with the name of Bay Federal Credit Union printed on it. The instructions in the letter is to deposit the enclosed check in the recipient’s account at a bank, perform research with some listed major retail chains, and to send the bulk of the funds from the check back to Survey In Motion via Western Union. If you are in receipt of a package from Survey In Motion, please be aware the enclosed check is not valid. Please do not deposit the check in your account nor send funds to Survey In Motion. If you have deposited the check, do not send funds through Western Union or any other method to Survey in Motion. The check will be returned to your depositing financial institution and your account will be charged back for the amount of the check. If you receive a similar package, please report it immediately to your local law enforcement office and the following: US Postal Service Mail Fraud Complaints, or call toll-free: 1-877-876-2455 If you ever become concerned about the safety and security of your accounts or personal identification information, be sure to contact us immediately at 831.479.6000 or 888.4BAYFED. August 27, 2010 Consumer Alert: The afternoon of Friday Aug. 27th, we became aware that local residents may be receiving an automated call claiming to be from “Santa Cruz Credit Union” . The calls are being made to home and business phone numbers. The caller ID may be 416-628-572 and appear to be originating in Canada. The call informs the person their debit card has been “terminated”, or is on hold, cancelled, or is in jeopardy of being suspended. The call then instructs the person to press 1 to have the card activated. These calls are not from Bay Federal Credit Union. Bay Federal Credit Union will never contact members to verify personal information over the phone, through an email, or text message. This information includes card numbers. In the event that you receive a phone call or text message of this nature, do not provide any personal information or account numbers. If you are concerned about the legitimacy of a phone, text or email message, contact the financial institution directly to verify its intended purpose. Suspicious activity should be reported to law enforcement and the Federal Trade Commission (FTC). See below for additional information on how to protect yourself, and your identity. Read more about "vishing" on our Fraud Prevention page. July 22, 2010: False Email from National Automated Clearing House Association (NACHA) NACHA has received reports that individuals and/or companies have received a fraudulent e-mail that has the appearance of being sent from NACHA. The subject line of the e-mail states: "Unauthorized ACH Transaction." The e-mail includes a link that redirects the individual to a fake Web page and contains a link which is almost certainly an executable virus with malware. Do not click on the link. Both the e-mail and the related website are fraudulent. Do not follow web links in unsolicited e-mails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual. NACHA itself does not process nor touch the ACH transactions that flow to and from organizations and financial institutions. NACHA does not send communications to individuals or organizations about individual ACH transactions that they originate or receive. If malicious code is detected or suspected on a computer, consult with a computer security or anti-virus specialist to remove malicious code or re-install a clean image of the computer system. Always use anti-virus software and ensure that the virus signatures are automatically updated, and ensure that the computer operating systems and common software applications security patches are installed and current. July 6, 2010 Consumer Alert: The subject line of the e-mails state: "you need to check your Bank Deposit Insurance Coverage." The e-mail tells recipients that, "You have received this message because you are a holder of a FDIC-insured bank account. Recently FDIC has officially named the bank you have opened your account with as a failed bank, thus, taking control of its assets." The e-mail then directs recipients to click on a link stating "You need to visit the official FDIC website and perform the following steps to check your Deposit Insurance Coverage." This e-mail and associated Web site are fraudulent. Recipients should consider the intent of this e-mail as an attempt to collect personal or confidential information, or to load malicious software onto end users' computers and should not click on the link provided. The FDIC does not issue unsolicited e-mails to consumers. Financial institutions and consumers should NOT follow the link in the fraudulent e-mail. 5/26/2010 Consumer Alert: Yesterday, NCUA said e-mails from simulated NCUA e-mail boxes to members of credit unions may be an attempt to obtain members’ confidential data. The e-mails solicit credit union members’ participation in an online survey or member survey and promise compensation of $40 for responding. “The emails are fraudulent,” NCUA said. “NCUA does not solicit such information from credit union members. This is a phishing activity with no NCUA activity or approval.” Anthony Demangone, NAFCU’s director of regulatory compliance, reminds credit unions of agency rules on the protection of member data. “NCUA’s security regulation requires credit unions to take reasonable precautions to protect their members’ sensitive information,” he said. “With that in mind, credit unions might consider alerting members to this scam and others in newsletters, branch signage, blogs or Twitter feeds.” NCUA said anyone receiving these phishing e-mails should not respond to them. Questions can be sent to NCUA at pacamail@ncua.gov. Contact Bay Federal: 831.479.6000
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