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Member Security and
Fraud Prevention

Recent Fraud Alerts

URGENT FRAUD ADVISORY as of 28-Dec-06

FRAUD ALERT (December 28, 2006); The Federal Bureau of Investigation (FBI) is recommending that credit unions alert their staff and members to inaccurate e-mails circulating a rumor among consumers. An e-mail indicates that if a person is being robbed while at an ATM, that entering their personal identification number (PIN) backward will summon the police. The FBI advises that this is completely false and could lead to a robber becoming impatient and angry, potentially leading to violence. Credit unions are being asked to assist in dispelling the rumor by informing their members.

FRAUD ALERT (September 22, 2006); IHECU has received notification that some members may have received bogus emails from Card Services for Credit Unions (CSCU). This email asks members to take a brief survey. When a member clicks on the link in the email, it takes the member to a site that looks like the CSCU web site and asks for personal account information as well as credit/debit/atm card information.

CSCU DID NOT SEND ANY EMAILS DIRECTLY TO CARDHOLDERS/MEMBERS AND DOES NOT HAVE CARDHOLDER/MEMBER DATA. CSCU WILL NEVER COMMUNICATE DIRECTLY WITH CARDHOLDERS/MEMBERS.

Below you find the wording of the phishing email for your reference:

Dear Card Services for Credit Unions, Inc. Cardholder,

You have been chosen by the Card Services for Credit Unions, Inc. Survey Department to take part in our quick and easy 5 question survey. In return we will credit $50.00 to your account, just for your time.

With the information collected we can decide to direct a number of changes to improve and expand the online services. The information you provide us is all non-sensitive and annonymous. No part of it is handed down to any third party groups. It will be stored in our secure database while we process the results of this nationwide survey.

We kindly ask you to spare two minutes of your time in taking part with this unique offer!

You must click the link below and fill in the form on the following page to complete the Reward Survey process.

Be aware that clicking the link will take you to a phishing form where personal and financial information will be gathered and exploited.

FRAUD ALERT (May 17, 2006); IHECU has received notification that some members have received fraudulent emails  purportedly from Credit Union WARNING with the subject of Account Information. The message states...

Case ID Number: KL-129GP32-11-D821

Credit Union National Association is committed to maintaining a safe environment for its community of buyers and sellers. To protect the security of your account Credit Union National Association employs some of the advanced security systems in the world and our anti-fraud teams regularly screen the Credit Union National Association system for unusual activity.

In accordance with Credit Union National Association's User Agreement and to ensure that your account has not been compromised, access to your account was limited. Your account access will remain limited until this issue has been resolved. In order to secure your account and quickly restore full access, we may require some specific information from you for the following reason: we encourage you to log in and restore full access as soon as possible. Please follow the link below and renew your account information:

Click here to login

Thanks for your patience as we work together to protect your account.

Regards,

Customer Support Center.

Notice that the "Click here to login" link appears to be legitimate. Clicking on the link however redirects the user to a phishing website.

Be aware that IHECU will NEVER request that you provide account or personal information online.

"You have received this email because you or someone had used your account from different locations or you or someone failed to login for several times. For security purposes we are required to open an investigation into this matter and lock your account.

In order to unlock your online account, we require that you confirm some of your online account details. To help speed up this process, please access our website following the link bellow. This way we can complete the verification of your CreditUnions.com Account and have your account unlocked. "

A link is provided that appears to be legitimate. Clicking on the link however redirects the user to a phishing website.

Please be aware that IHECU will NEVER request that you provide account or personal information online.

Counterfeiters are creating fraudulent money orders drawn from various department stores that issue MoneyGrams. Fraudsters have found that MoneyGrams offer an efficient and speedy way to send money throughout the world. Unfortunately, the fraud perpetrators also have learned how to dupe consumers with a variety of scams that suggest that the consumer send back money using MoneyGram. Fraud perpetrators will typically pick up the money as soon as it is sent. Once the money has been paid out, there is no way for the sender to get it back.

In order to protect the credit union and our members, IHECU offers the following suggestions:

• Members are advised to be very suspicious if they receive a telephone call telling them that they have won prize money and that they need to send money for taxes, customs fees, etc. to an organization or individual. Many of these scams ask for money to be sent to Canada. You should contact the Better Business Bureau, AARP or local Attorney General before sending or receiving any money. For more information, MoneyGram recommends that consumers visit www.consumer.gov/sentinel.
• Most fraudulent MoneyGrams do not list a phone number for authentication on the back. If you receive a MoneyGram or Travelers Express money order, please call 800/542-3590 to validate the authenticity of the item.
• Valid MoneyGrams contain an area labeled "To Authenticate, Rub Here." On valid money orders, this area will change colors when rubbed.