Protect Yourself from Fraud

Be educated, be aware and be safe to protect yourself and others from fraud.

Here at 3Rivers, we might call you to seek your opinion or relay important matters about your account or membership. but we will NEVER ask for sensitive personal info (because we already have it)."

From time to time, you may get phone calls, texts, or emails that appear to be from 3Rivers or another financial institution - but they really are not from us or any other financial institution represented.  These calls seek to get personal information – like account numbers, credit/debit/ATM card numbers and PIN (personal identification number), 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:

  • Email abuse@trfcu.org or send a secure message from your Online Access Message Center if you see a fraud attempt.
  • Call us at 800.825.3641.
  • Visit any of our branches
  • Write us: 3Rivers - Attn: Identity Theft; P.O. Box 2573; Fort Wayne, IN 46801-2573
Give us as much detail as you can - but NEVER provide account numbers by e-mail. If necessary, we’ll contact you to discuss further and personally assist you.

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:

DO This Awareness Will Protect You!
Change passwords frequently and use creative non-obvious passwords NEVER give your personal information over the phone, text, or email
Review credit card and bank statements regularly so you can spot unauthorized or suspicious charges NEVER email personal/financial information. Legitimate institutions never ask for sensitive information via email
Use anti-virus, firewall and anti-spyware software and keep it updated
If a website appears to be suspicious, leave it immediately Do NOT open unsolicited email attachments
Only do business with companies you know and trust NEVER write ATM PINs on paper and carry with you. Memorize and shield the numbers as you enter them at the ATM 
Check your credit report at least once a year to check for unknown accounts that may be fraudulently opened
Use paperless statements so they are not in your mailbox to be stolen  DON'T delay if you think you have become a victim. Report it immediately
Use spam filters on your e-mail to reduce the amount of unsolicited materials you receive  

Fraud attempts usually also have one or a combination of the following:

  • They carry an urgent tone
  • The phone call may be automated and sound legitimate using a financial institution’s name and a department name
  • They request personal information
  • They may include website links that appear legitimate
  • They may forge the sender's e-mail address to appear legitimate
  • They often have incorrect grammar and contain misspellings

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
  1. Contact your credit union to protect your accounts
  2. Contact your credit card suppliers
  3. Contact the Social Security Fraud Hotline: 800.269.0271
  4. Contact the FTC Identity Theft Hotline (877.IDTHEFT) [877.438.4338]

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.
(800) 525-6285 *
P.O. Box 740241, Atlanta, GA 30374-0241
www.equifax.com

* Hearing impaired call 800.255.0056, ask operator to call Auto Disclosure Line at 800.685.1111

Experian Information Solutions, Inc.
888.397.3742/ TDD 800.972.0322
P.O. Box 9530, Allen, TX 75013
www.experian.com

TransUnion Fraud Victim Assistance Division
800.680.7289/ TDD 877.553.7803
P.O. Box 6790
Fullerton, CA 92634-6790
www.transunion.com

File a complaint with the Federal Trade Commission (FTC)

Federal Trade Commission (FTC)
www.consumer.ftc.gov/features/feature-0014-identity-theft
Toll-free hotline 1-877-IDTHEFT (438-4338)

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:
Identity theft occurs when someone takes your personal information -- such as your financial institution account numbers or your social security number -- and then acts as you to run up charges and virtually destroy your financial credibility.

Phishing:
Phishing refers to a person or a group of criminals who create an imitation or copy of an existing legitimate website page to trick users into providing sensitive personal information. Responding to "phishing" emails creates a risk by obtaining personal data from unsuspecting victims via the Internet - like personal IDs, passwords, card numbers and PINs – that could be used or sold to other criminals who would use it for financial gain.

Skimming:
Skimming criminals install unauthorized equipment on legitimate ATMs to steal magnetic strip data from the card being used and the PIN that is assigned to the card. A "skimmer" is mounted on the front of the ATM card slot that reads the card number and transmits it to the criminals, who sitting in a nearby car using a wireless connection. At the same time, a wireless camera is disguised to look like a brochure holder and is mounted in position to view the keying in of the PIN numbers. If you see such an attachment, do not use the ATM! Report it immediately to the financial institution.

Spyware:
Spyware is any software that aids in gathering information electronically about people or organizations without their consent and/or knowledge. The gathered info is collected and sent to an unauthorized third party. This type of software often gets installed unknowingly when downloading free software or clicking pop-ups while on a website.