Due to scheduled system maintenance, Online and Mobile Banking will be intermittently unavailable on Saturday, July 23 from 8:00 p.m. to 8:00 a.m. Sunday, July 24.
Kirtland FCU branches and the Member Contact Center will be closed Monday, July 4 in observance of Independence Day.
By Ashleigh, K-Staff
Fraudsters have always preyed upon their victims’ emotions. Fear. Love. Worry. Desire to help.
Emotions have never been higher than in recent weeks, and criminals and thieves are taking advantage of them, and you. According to the AARP, the Federal Trade Commission (FTC) had received 23,581 consumer complaints related to the outbreak, including more than 12,000 fraud complaints (as of April 21). Victims have reported losses of $17.97 million, with a median loss of $553.
Here are some of the recent tactics cyber thieves are using and how you can spot them and avoid falling prey.
When we receive mail, e-mail or calls from agencies like the IRS, Social Security Administration or the U.S. government, we are naturally more inclined to pay attention and respond. Within days of the passage of the CARES Act, texts, e-mails and phone calls that appear to be from real businesses and government agencies began flooding in, offering to speed up the payments. Many of these calls, e-mails and text are purportedly from the IRS or other U.S. government agencies. Thieves often request banking or personal information in order to collect CARES Act funds quicker.
Some scams involve thieves posing as banks, credit unions and other financial institutions offering loans and other economic help. This includes debt forgiveness and student loan assistance. Other popular ruses involve unemployment benefits and job offers, again from what appears to be a legitimate government agency.
This one capitalizes on one emotion in particular: fear. A disease that’s sweeping the world and bringing countries and their economies to their knees can induce outright terror. The offer of a cure, of a test, or some other treatment or detection can override one’s common sense when it comes to detecting fraud, especially if it appears to come from a well-known agency such as the Centers for Disease Control (CDC) or the World Health Organization (WHO).
No drug or treatment has been approved for COVID-19. But that doesn’t stop companies from touting one. The FTC and the U.S. Food and Drug Administration (FDA) have sent more than 40 warnings to companies selling unapproved products they claim can cure or prevent COVID-19 and shut down a website that was promoting a nonexistent vaccine, according to the AARP.
In addition, some scammers claim to be selling or offering in-demand supplies such as surgical masks, test kits and household cleaners, often in robocalls, texts or social media ads. The FTC has issued warnings to companies suspected of abetting coronavirus robocalls, and the Federal Communications Commission (FCC) set up a dedicated website with information on COVID-19 phone scams. You can access that site here.
Those much anticipated stimulus checks began dropping into some 80 million accounts in early April, but many citizens who haven’t provided direct deposit information to the IRS are eagerly watching their mailboxes for a paper check. To make sure the check you receive is THE official stimulus payment you’ve been waiting for, the Secret Service and the U.S. Treasury have provided six “Quick Tips/Genuine Security Features” that a person receiving, accepting, or cashing the economic impact payment check should look for:
Anyone who believes they may have a counterfeit economic impact payment check is urged to contact local law enforcement, a Secret Service field office, or the Treasury.
For more information about scam calls and texts, visit the FCC Consumer Help Center and the FCC Scam Glossary. You can also file a complaint about such scams at fcc.gov/complaints.