Credit Card and ATM Scams

Phishing

Phishing is an online scam that seeks to steal personal information, credit card numbers, passwords, Social Security numbers, and other sensitive data by luring victims in by using a fake
e-mail address, website, and pop-up to impersonate your financial institution and con members into disclosing personal data.

Examples of "Phishing Scams":

Visa Debit Scam
Credit union members are receiving a bogus e-mail from the address debit@visa.com requiring the member to call an 800 phone number to update the information on their Visa debit card account or the account will be deleted from the data base. The subject of the e-mail is "Urgent Notification" and the sender claims that fraud attempts have occurred resulting in a temporary suspension of the account and so the member must call. This is a "phishing" email from a thief trying to acquire members' personal financial information.

CO-OP Services Credit Union Scam
Members reported receiving a suspicious email from "CO-OP Services Credit Union." There are two versions of this fraudulent email. The first one begins: "You have received this email because we have strong reason to believe that your Co-op Services Credit Union account had been recently compromised." The other fraudulent email begins: "CO-OP Services Credit Union temporarily suspended your account. Reason: Billing failure. We require you to complete an account update so we can unlock your account."

These emails are part of a scam to falsely obtain your account information. Do not respond.

Remember, we would never ask for private account information over the e-mail or telephone. Do not follow the instructions in the e-mail. Do not click on any links. Delete the e-mail. If you have responded, please contact our Member Service Phone Center at 734-662-8200.

Credit Card Fraud Update
January 2007: As you may have heard on national news, a breach at a 3rd party payment processor exposed over 40 million card accounts to potential fraud. (Twenty-two million of these cards were Visa cards.)

Please be reassured that Visa is working to identify the cards that have been compromised and UMCU will take appropriate steps to protect you as a consumer.

Remember that you as the consumer have no liability for any fraudulent transactions as long as you notify us within 60 days. To notify us, call our Member Service Phone Center at 734-662-8200, or visit any branch.

ATM Scam
A scam attempt was reported that an e-mail went out claiming to be from the CO-OP Network asking members to verify their ATM card numbers, PINs, and personal account information. Do not respond to this email.

UMCU and CO-OP Network will never ask you to for your account information via e-mail or text messaging.

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