(231) 775-2081

Security Alerts

Security Alerts

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 requests 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.

Our Fraud Alert System is the only automated calling service we use. We will never ask for personal information for during those automated calls. During a  Fraud Alert System call, you will be asked to confirm or reject recent purchases, and the last digits of their card, but we don’t ask for SSNs, card numbers, etc.)  This Better Business Bureau article offers additional information about this type of fraudulent call:

Can you Hear Me? Scam

Your phone rings and the caller ID shows a number you don’t know. You answer it anyway and hear, “Can you hear me now?” It’s a pre-recorded robocall – even though it sounds like a real person – and it’s illegal.

Fraud Alert Scam Calls

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.

Falcon is WCCU’s automated fraud alert management system. You will receive an automated message asking you to verify information to prove your identity such as your date of birth, last 4 of your SSN, zip code or phone number, and confirm or deny recent purchases. Falcon will never ask for an account number, full card number or CVC code, or full Social Security Number! Remember: We already have your information on file and we don’t need you to give it to us again!

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.

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.

Read More

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.

Equifax Data Breach

Experts say if you are not concerned about the Equifax data breach, you should be. Learn about the details of the breach in this article from the Cadillac News.

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

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.  Click here for your free Financial Abuse Prevention Checklist. 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.

Read More & Resources

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

Source: http://www.napsa-now.org/policy-advocacy/world-elder-abuse-awareness-day/

 

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

 

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