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A recent telephone scam asking for account information has been targeting some area residents. The automated message informs consumers that their account/ATM/Debit card is about to be cancelled, or has been compromised, and it is necessary to reactivate the account/card with "bank security". The message includes the name of a local financial institution and instructs the recipient to "dial/press 1" to reactivate and then requests that the account/card number and personal identification number (PIN) be entered.
As a reminder, the credit union would not request your account information via a phone call or email message. Never provide your account/card number, PIN or personal information to anyone unless you initiated the contact. Please contact the credit union if you have provided your US #1364 Federal Credit Union account information. And also contact your local police department or the FBI at 219-769-3719.
Data compromises occur when an individual or group of individuals gain unauthorized access to a computer system for the purpose of corrupting or stealing data. When you use your debit card at a merchant such as a store, gas station, over the internet or on the phone, your information is recorded into a database that is retained by the merchant for a period of time. The retained information is typically card numbers and expiration dates. The unauthorized individuals may gain access to the information that is stored and may use it to perform fraudulent activity with your debit card information.
No. It only means that your card information has potentially been compromised. While fraud resulting from a data compromise is rare, we recommend that you review your account and report any suspicious or unauthorized transaction to the credit union immediately. Online banking is a great way to monitor your account activity since it’s immediate and you won’t need to wait for your monthly statement.
U S #1364 Federal Credit Union takes every compromise seriously. Affected members will receive written notification if their card information has been potentially compromised. U S #1364 Federal Credit Union evaluates the need to re-issue new debit cards to affected customers. In certain circumstances, U S #1364 Federal Credit Union will issue you a new debit card. In those cases, a block date for your compromised card will be included in the letter.
We receive notice of potentially compromised cards from Visa. Visa learns of the compromise through various sources including merchants, processors and even law enforcement.
Visa does not disclose the name of the merchants or card processors that were compromised. We receive notification that an undisclosed merchant’s database or processor was compromised. These breaches are investigated by law enforcement and the merchant or processor name may be disclosed at a later date.
It usually takes 7 – 10 business days to receive a new debit card.
You should contact the merchant(s) immediately upon receipt of your replacement card and provide them with the new card number and expiration date.
Not necessarily as each member has a unique card number. If their card has also been compromised, they too will receive written notification.
The information encoded on your debit card pertains strictly to the card, potentially including the card number and expiration date. Confidential information such as Social Security Numbers, checking account numbers, driver’s license numbers, addresses and dates of birth are not stored on the card. If the merchant or processor was retaining your personal information and that information was suspected of being compromised, it will be included in the written notification you receive.
Unfortunately, we have no way of stopping criminals from “hacking” into databases of merchants or processors. While the possibility of a card being used fraudulently is low, we recognize the aggravation members face in acquiring a replacement card or having fraudulent activity removed from their account.
If you detect fraud on your account, please contact U S #1364 Federal Credit Union immediately at 219-769-1700, 219-762-1800 or 219-548-4600.
Consider placing a fraud alert on your credit report files. A fraud alert lets creditors know to contact you before opening a new account. Just call any one of the three credit reporting agencies at the number below to place a fraud alert:
Obtain a free annual credit report from each of the above credit reporting agencies by going to www.annualcreditreport.com or calling 877-322-8228. You should periodically obtain each one of your credit reports and look them over carefully for accounts you did not open, inquiries from creditors that you did not initiate, personal information, such as home address and social security number, that is not accurate or any other suspicious information or activity.
You may also obtain online guidance regarding steps to protect yourself again identity theft and if your identity has been stolen you can file an identity theft report with the Federal Trade Commission by going to www.ftc.gov or by calling 1-877-IDTHEFT (438-4338).