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Protect Yourself from FraudBe educated, be aware and be safe to protect yourself and others from fraud. You might receive phone calls, texts, or emails that appear to be from 3Rivers or another financial institution - but they really are not from us or the other financial institutions. The purpose of these contacts is to get personal information from you – account numbers, credit/debit/ATM card numbers and PIN (personal identification numbers), etc. Criminals will then attempt to access accounts and make unlawful withdrawals. This fraud is a part of a scam commonly referred to as "phishing". They do not originate from us - We NEVER solicit personal information via e-mail or telephone. If asked to provide personal information, input card numbers or click a link on a web page that seems to be a 3Rivers - but asks for Social Security Numbers, credit cards numbers, account numbers, etc., DON'T GO ANY FURTHER. Hang up. Get out of the email. Then report immediately. Reporting Fraud ACT IMMEDIATELY. If it involves your 3Rivers accounts, please tell us by:
Protecting Yourself and Others: Education and awareness is the best way to protect yourself and each other. A great and easy way for you to get involved is by sharing this video with your friends and family. It will help them stay safe – regardless of where they bank. In 30 seconds, this video explains how to be educated, be aware and be safe. Remember, never provide your personal information when you are unsure of the source. And do research before you cash checks from unexpected givers. Be wary of any seemingly legitimate phone call, text message, or email request that asks for personal information. Additionally, here is more advice to help protect yourself:
Fraud attempts usually also have one or a combination of the following:
Here are some common examples: Closed Account Hoaxes – A phone call or text message goes out or an email is sent pretending to be from a financial institution stating the recipient's account (could also be about a credit/debit/ATM) has been closed or suspended. It may request that they click on a link in the email. The link (if clicked) takes them to an impostor website probing for account information. The phone call may request the recipient to enter in their card number and PIN. This fraud attempt is designed to frighten recipients by expressing a sense of urgency and making deadlines. Fraud Verification Hoaxes - A phone call or text message goes out or an email is sent pretending to be from a financial institution stating the recipient's account may have been part of a security breach. This fraud attempt urges the recipient go to the web and sign on using a provided link to update or verify their personal information. The link (if clicked) takes them to an impostor website probing for account information. This kind of fraud can also happen via a phone call where the caller is asked to sometimes “press 1” and then provide personal information. Internet Auction Hoaxes - People selling items on eBay and other Internet auction sites have been given counterfeit checks in payment for an item. The buyer sends the seller a counterfeit check for more than the item's selling price and requests the seller send the difference back to the buyer through Western Union or another means. Member Satisfaction Survey - This email appears to be a request for a survey completion. It promises a monetary reward (such as $80 into your account) in return for a survey completion. The link takes the user to a page to complete a survey and other personal information. After submitting, it will seek your account number (suggesting we need it to place money in your account). Identity Theft is serious. It could affect you - or someone you know - at any time. It happens when someone takes your personal information - like your account numbers or Social Security Number - and then pretends to be you so they can run up charges and severely damage your credibility. It can take months - possibly years - to even learn you've been a victim. Typically, you learn about it when applying for mortgage or other loans and your credit report indicates you have not paid certain bills - bills that were created by identity thieves without your knowledge. 3Rivers considers this crime a very serious threat. We continually monitor our security initiatives to protect members and their accounts. However, total security is only possible with your help. Don't Give Personal Information, such as account or credit card numbers, via telephone or Internet unless you initiate the contact. Financial institutions and credit card companies typically already have this information and would not need to request it from you. Guard Your Personal Identification Numbers and treat your receipts with care. Leaving them behind or throwing them away could leave them vulnerable to thieves, who may be able to use them to access your accounts. Report Lost or Stolen Checks immediately and properly store canceled checks. Examine new checks to be sure none were stolen during shipment and store them is a safe location. Make Sure Your Mailbox is Secure and promptly remove mail once delivered. Identity thieves often will raid mailboxes to obtain credit card offers and financial statements. Using online account access with bill pay is a secure, fast way to pay bills – no postage to buy and no one can steal your paid bills from the mailbox. Destroy Unused Financial Solicitations before discarding them. Also, tear up other financial documents before discarding them. Contact Major Credit Reporting Companies [listed below] annually to review your file. A copy of your credit report is available for a small fee.If you are a victim of Identity Theft
For your convenience, the FTC provides an ID Theft Affidavit that can be completed and provided to each creditor, financial institution or company that provided the thief with unauthorized credit or goods you describe. While this does not guarantee the thief will be prosecuted or that the debt will be cleared, it will better enable the companies to investigate the fraud and decide the outcome of your claim. Report any possible fraud activity to the company that's falsely represented. Report the crime to your local police and sheriffs departments. By having the police report, you may have an easier time clearing your credit reports. You may also need to contact one of the major credit reporting agencies: Equifax Credit Information Services, Inc. * Hearing impaired call 800.255.0056, ask operator to call Auto Disclosure Line at 800.685.1111 Experian Information Solutions, Inc. TransUnion Fraud Victim Assistance Division File a complaint with the Federal Trade Commission (FTC) Federal Trade Commission (FTC) Key Definitions Fraud attempts - called phishing, spoofing, impostor email and fraudulent websites - are used to trick people into providing personal information that can be used for identity theft. 3Rivers has developed a resource to help protect you against ID theft as well as other fraudulent internet activities. Identity Theft: Phishing: Skimming: Spyware: |
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