Security Alerts
Your security experts at WCCU stay on top of the latest security threats and post them here for our members to access
The Information You Need to Know
Fraudulent Calls
We’ve had members contact us with reports that they’ve received calls with our name on the caller ID. These automated calls offers lower interest rates, and request member information. These calls are not from Wexford Community Credit Union. If you ever have any doubt about a call you receive, please hang up and and call us directly.
Wexford Community Credit Union members are being targeted in another phone phishing scam in which they receive a call from the WCCU ‘fraud department’ claiming their debit card or account has been blocked. The fraudsters ask you to give them your date of birth and Social Security number. The phone number on the caller ID is spoofed to look like our actual automated fraud alert system: 877.276.3721.
Immediately disconnect from any suspicious call that relates to your debit or credit card or from anyone who requests any personal financial information. You should call the credit union back directly on our landline: 231.775.2081 (Cadillac) or 231.839.2081 (Lake City). We will confirm your code word to verify your identity (don’t have one yet? set it up in online banking!), and you’ll know you’re speaking with us.
Our Fraud Alert System is the only automated calling service we use. During a Fraud Alert System call, you will be asked to confirm or reject recent purchases, and the last digits of your card, but we don’t ask for SSNs, PINs, Security Codes, etc. This Better Business Bureau article offers additional information about this type of fraudulent call:
Text Scam
Text Alert: In the past, WCCU has had several members alert us to fraudulent texts they received. If you have received a text from a source claiming to be from WCCU, read on: Members received a text (“Credit Union Alert for Member#x) telling them to call a phone number. THIS IS A SCAM.
If you receive such a text, delete it and do NOT give out your card number or any other information. We have phone security measures, such as the use of a code word, to keep your account and personal information secure! (You can add a code word to your account once you sign in securely to It’s Me 24/7.)
Our fraud alert system, Falcon, NEVER asks for your card number; they may ask you to confirm the last 4 digits, but they will not ask you for personal information. You will only be asked to confirm recent purchase amounts.
Additionally, a few members have recently reported that they encountered pop-up ads that appear as legitimate messages stating, “Your identity may have been compromised; click here to view your credit report.” The only pop-up you will see on this site is when you click on the It’s ME 24/7 tab to sign into your account or the Like Us on Face Book link; a message pops up that informs you that you’re leaving the wexccu.com site and heading to a third-party site:
Please help keep your information safe by only giving your personal or financial information to people you trust.
Fake App Scams
Fake apps are on the rise. Apps can offer an easy way to shop and take advantage of discounts. Just be sure you’re getting the real deal when you download!
Prevent Elder Financial Abuse
Elder financial exploitation—commonly linked with other forms of abuse and neglect—threatens the health, dignity, and economic security of millions of older Americans. By becoming educated about the ways in which elders are taken advantage of, and ways to help prevent this kind of abuse, we can all help to ensure the continued health and well-being of our elders.
Free Financial Abuse Prevention Checklist: Elder Abuse Checklist
Financial exploitation is a fast-growing form of abuse of seniors and adults with disabilities. Situations of financial exploitation commonly involve trusted persons in the life of the vulnerable adult, such as:
- Caretakers
- Family members
- Neighbors
- Friends and acquaintances
- Attorneys
- Bank employees
- Pastor
- Doctors or nurses
Why are the elderly attractive targets?
- Persons over the age of 50 control over 70% of the nation’s wealth
- The elderly are likely to have disabilities that make them dependent on others for help. These “helpers” may have access to homes and assets, and may exercise significant influence over the older person
- They may have predictable patterns (e.g. because older people are likely to receive monthly checks, abusers can predict when an older people will have money on hand or need to go to the bank)
- Severely impaired individuals are also less likely to take action against their abusers as a result of illness or embarrassment
- Advances in technology have made managing finances more complicated
Source:
http://www.preventelderabuse.org/elderabuse/fin_abuse.html
LOCAL RESOURCES:
-
MDHHS (Adult Protective Services): 855-444-3911
- Wexford Community Contacts:
http://www.wexfordcoa.org/community-connect/
- Wexford County Council on Aging:
http://www.wexfordcoa.org/
- Osceola County Council on Aging:
http://www.osceolagenerations.org/
- Osceola Community Resources:
https://www.osceola.org/agencies-departments/human-services/
- Missaukee County Commission on Aging:
https://www.missaukeecoa.org/
Job Scams
Yes, it’s possible. When your information is out on the Internet, there’s always a possibility that it can be used against you. Be mindful and do your research before accepting any strange job offers.
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