Fraud and Security Center

Rolling F Credit Union would never call and ask you to provide your credit card number, account information, or tell you to download anything. It is important to notify us immediately if you feel that you may have been a victim of any type of fraud.

• Scammer calls instructing people to download apps
  
People in our area are receiving calls from scammers, sometimes claiming to be from Apple. They instruct the victim to download an app to their phone or iPad. The app gives the scammers complete access to the device. They then see where the victim banks, and tell the victim that there is internal fraud at their bank, and they should withdraw money to be deposited into a different ATM machine. NEVER follow any instructions from any unsolicited caller.

• ​Scammer calls impersonating Card Security Teams at banks and credit unions
  
​People in our area are receiving calls from scammers who claim to be from the credit card security team, and tell the victim there may have been fraudulent charges on their card. They convince the victim to divulge personal information and account information. ​

• It is very important that if you suspect you are speaking to a fraudster to hang up and call Rolling F directly or come by any one of our branch locations to verify if we’ve been trying to contact you.

Please remember the following:

• Never provide personal information in response to a SMS Text, email or by phone even if they appear to be from the credit union. Contact the credit union directly regarding this contact.
• ​Never give your password, username or a one-time passcode for Online Banking. These are things the credit union will never ask you.
• ​Never give your full account number, debit or credit card numbers.
• ​Review your accounts often to ensure all transactions are yours.

It is very important that if you suspect you are speaking to a fraudster to hang up and call Rolling F directly or come by our office to verify we’ve been trying to contact you.

We are here to help:

• We use enhanced fraud monitoring and detection tools 24 hours a day 7 days a week to detect and prevent fraud on all accounts.
• If suspicious activity is detected, you will be contacted by our Card Member Security team. The Card Member Security team comprises an automated phone assistant. The Fraud Detection Service may contact you at the following number: 1-888-241-2440. If you miss their call, we will place a hold on your card and try to contact you from our office number. We will try our utmost best to confirm the transaction with you before blocking your card.
• To ensure we provide you the best service possible it is important that we always have your up-to-date contact information on file.
• It is critical that you monitor all activity on your accounts for fraudulent transactions and report them to us immediately.
• If your card is identified as compromised, we will re-issue new card(s) immediately.

Rolling F Credit Union utilizes enhanced fraud monitoring and detection tools 24 hours a day, 7 days a week to detect and prevent fraud on all accounts. If suspicious activity is detected, a block will be placed on the card until you, the cardholder, can be reached. Contact will be attempted by our Card Member Security team, which currently consists of an automated phone assistant.

Members have the option to receive a text message via the mobile app to notify them of any transactions on their account. Reply YES to enroll. Reply HELP for help, STOP to cancel. Msg & Data Rates May Apply.

If you have questions during any point in this process, please reach out at (209) 634-2911 Monday through Friday 9a.m.-5p.m.

Merchant data breaches impact all of our members. Find more information on merchant data breaches and how you can take action.

Anyone who believes they have been a target of a cyber-crime should immediately contact their financial institutions and promptly report it to the Internet Crime Complaint Center’s (IC3) website. The IC3’s complaint database links complaints together to refer them to the appropriate law enforcement agency for case consideration. The IC3 also uses complaint information to identify emerging trends and patterns. Visit the IC3 website

If you suspect identity theft, you may need to place a fraud alert on your credit report, close compromised accounts, file a complaint with the FTC, or file a police report. Start by visiting the Federal Trade Commission’s (FTC) identity theft website or by calling their Identity Theft Hotline toll-free at 1-877-ID-THEFT (438-4338). The FTC places the reported information into a secure consumer fraud database and shares it with local, state, and federal law enforcement agencies. Visit the FTC website

Beware of Phishing! Don’t click on links in e-mails that ask for personal information. Never open unexpected attachments. Delete suspicious messages, even if you know the source.

Phishing is when internet fraudsters impersonate a business in an attempt to trick you into giving out your personal information, such as usernames, passwords, and credit card details. Legitimate businesses don’t ask you to send sensitive information through insecure channels.

SMishing is a combination of “SMS” and phishing. SMishing uses cell phone text messages or SMS (Short Message Service) in order to get you to share your personal and financial information. The method used to obtain information in the text message may be a web site URL. It has become more common to see a phone number that connects to an automated voice response system.

An unsolicited text message sent to cell phones urge the recipient to call a number provided for information about account discrepancies and then solicits individual account information and pin numbers. Cell phone users should be wary of unsolicited text messages. Such messages should be deleted and all deleted text messages should be removed, if possible, as the perpetrators have been known to use Spyware1 in conjunction with their text message solicitation.

The term vishing is a combination of “voice” and phishing. Vishing exploits one’s trust in telephone services. The victim is often unaware that voice over Internet Protocol (VoIP) allows caller ID spoofing, providing anonymity for the fraud caller. Rather than provide any information, consumers should contact their financial institution or credit card company directly to verify the validity of the message using contact information they already have (do not use contact information provided in the suspicious message).

• Annual Credit Report

• Equifax

• Experian

• TransUnion

• Office of the Attorney General

• Federal Trade Commission

• Onguard Online

• Fraud Watch International

• Privacy Rights

• Identitytheft.info

• Idtheft.gov

• Internet Crime Complaint Center