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FTC Alert: Scammers Out to Trick Consumers Using the Supreme Court's Affordable Care Act Ruling

Tips For Consumers: 07/13/2012

If someone who claims to be from the government calls and asks for your personal information, hang up. It's a scam.

For additional information, visit http://www.ftc.gov/opa/2012/07/aca.shtm

FBI warns of new banking scam

(added January 2012)

Click here for updated details. Or whenever in doubt about a fraud warning, visit the FBI's Common Fraud and Schemes page as well as their E-scams and Warnings.

Telephone Scam

(added 10/6/2011)

We have learned of a telephone scam involving a phone call from a blocked telephone ID number with a computer generated message that states that the customer's card has been locked for security reasons. The customer is instructed to press 1 to unlock the card now. It has been stated that by pressing 1, the customer is then asked to provide all their confidential account information for verification. Security Bank is not contacting our customers in this manner - THIS IS A SCAM!

FDIC E-MAIL FRAUD

Emails to individuals fraudulently claim to be from the FDIC. These emails falsely claim that the FDIC has collaborated with credit card providers to develop a secure online transaction network.

See the full listing of Special Alerts from the FDIC.

E-MAIL FRAUD

Identity thieves are using high-tech scams that typically involves e-mail spam to deceive consumers into disclosing their personal or financial information, such as credit card numbers, bank account information, Social Security numbers, passwords, and other sensitive information. The practice is commonly referred to as "Phishing" or "Carding."

We will never ask for account information, Login ID, or password in e-mail. Help protect yourself against online fraud -- if you receive an e-mail asking for such confidential information, follow these steps:

Do not respond to the e-mail.

Contact us immediately at (217) 789-3500.

We may ask you to forward a copy of the e-mail. The e-mail may be useful in identifying the culprit and help us to minimize the impact of the message on other customers

E-mail scams:

We have learned that criminals have launched a major e-mail campaign to deploy the infamous ZeuS Trojan e-mail, which will send spam messages disguised as fraud alerts from the Internal Revenue Service (IRS), Twitter account hijack warnings, or salacious Youtube.com videos.

The fraudulent IRS e-mail uses the verbiage "Notice of Underreported Income" as the Subject Line and encourages the recipient to click a hyperlink to review their tax statement. All of the latest e-mails use a variety of URL shortening services.

To help protect against fraudulent activity, Security Bank continues to strongly recommend that you review your Internet security procedures including, but not limited to:

• Ensure that up-to-date antivirus, antispam and antispyware programs are being used.

• Prevention of keylogger, spyware, and phishing attempts with up-to-date programs.

• Use common sense and do not open the attachments or download information from unexpected or spam e-mails.

Remember, we will never ask for account information, Login ID, or password in e-mail. Help protect yourself against online fraud by taking the precautions listed above.

Suspicious Telephone Calls Claiming to Be From the FDIC

The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of suspicious telephone calls where the caller claims to represent the FDIC and is calling regarding the collection of an outstanding debt.

To date, the callers have alleged that the call recipient is delinquent in payment of a loan that was applied for over the Internet or made through a payday lender. The loan may or may not actually exist. The caller attempts to authenticate the claim by providing sensitive personal information, such as name, Social Security number, and date of birth, supposedly taken from the loan application. The recipient is then strongly urged to make a payment over the phone to "avoid a lawsuit and possible arrest." In some instances, the caller is said to sound aggressive and threatening.

These suspicious telephone calls are fraudulent. Recipients should consider them as an attempt to steal money or collect personal identifying information. The FDIC generally does not initiate unsolicited telephone calls to consumers and is not involved with the collection of debts on behalf of operating lenders and financial institutions.

If a caller demonstrates that he or she has the recipient's sensitive personal information, such as Social Security number, date of birth, and bank account numbers, the recipient may be the victim of identity theft and should review his or her credit reports for signs of possible fraud. The individual should also consider placing a "fraud alert" on his or her credit reports. This can be done by contacting one of the three consumer reporting companies listed below. Only one of the three companies needs to be contacted. That company is required to contact the other two, which will place an alert on their versions of the report.

• TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, California 92834-6790

• Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, Georgia 30374-0241

• Experian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9554, Allen, Texas 75013

Information about counterfeit items, cyber-fraud incidents and other fraudulent activity may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section, 550 17th Street, N.W., Room F-3054, Washington, D..C. 20429, or transmitted electronically to This email address is being protected from spambots. You need JavaScript enabled to view it. . Questions related to federal deposit insurance or consumer issues should be submitted to the FDIC using an online form that can be accessed at http://www2.fdic.gov/starsmail/index.asp.

For your reference, FDIC Special Alerts may be accessed from the FDIC's website at www.fdic.gov/news/news/SpecialAlert/2010/index.html. To learn how to automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.

SMISHING

Overview

"Smishing" is the sending of text messages to cell phones to solicit personal information. The term mixes "SMS," Short Message Service technology that is used to send text messages to cell phones, with "phishing," a scheme identity thieves use to send legitimate-appearing emails to obtain personal account information. In a banking context, SMS text messages often appear to come from the victim's own financial institution and may indicate that his or her ATM card is being deactivated or has expired. The text asks the recipient to contact a phone number to reactivate the card and provide his card number, PIN and the three-digit security code. This stolen information is then used to withdraw funds from the customer's account. Smishing also can be used to send messages that include a URL, which, if activated by the victim, downloads malicious software that could allow a phone with Internet capabilities to be controlled by hackers.

While smishing has been around for several years, it has resurfaced as yet another means to commit identity theft. Being mindful of requests for personal information of any type -- and not providing it -- except to legitimate companies that have a verification process is a way to protect yourself.

We will never ask for account information, Login ID, or password in e-mail or a text message on your cell phone. Help protect yourself against online fraud -- if you receive an e-mail or text message asking for such confidential information, follow these steps:

  • Do not respond to the e-mail or text message.
  • Contact us immediately at (217) 789-3500.

Check out the latest news from the FDIC: Click here for the FDIC newsletter.



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