Help us help you.
You can help us help you by staying apprised of all the latest security alerts and scams including:
- E-mail Phishing (pronounced “fishing”). Also known as “brand spoofing,” phishing is an official looking email that pretends to be from your credit union, bank, ISP, even a popular retail store. The email directs you to a website whose purpose is to steal your social security number, password, user ID, credit card numbers, etc.
- Text Message Smishing. This is phishing’s mobile phone counterpart. A text message is sent to your cell phone or other device directing you to click on a link. The link causes a virus to be installed on your cell phone or tablet.
- Landline Telephone Vishing and VoIP (Internet Phones) Vishing. This scam utilizes a telephone, either land-line or cell. It starts with an email message directing you to call an 800 or other number. A voice response system then directs you to enter personal or financial information using your phone’s keypad.
Don’t let yourself become a victim of these scams. Never give out personal or financial information over the phone, by mail, text message or on the Internet unless you made the initial contact. Or, you are absolutely certain you know to whom you’re giving this information.
For more information about how you can remain diligent in safeguarding your personal information, visit our security awareness resources here.
Important Security Updates and Alerts
- GHS Provides Identity Theft Protection June 9, 2015
Important information regarding the U.S. Government data breach incident
It was recently announced that the U.S. Government has suffered a data breach affecting multiple Federal agencies and approximately 4 million individuals. The Federal Government has confirmed that the information hacked could be used to facilitate identity theft and fraud. The individuals affected are government employees and political appointees.
Below are recommended steps to remain vigilant against possible identity fraud:
1. Be wary of emails or telephone calls that request information. Neither the U.S. Government nor our financial institution will ask you to provide any information in relation to this possible data breach incident.
2. Check your Account Statements. Review your statements carefully and repeatedly. Any purchases, large or small, should be verified as a purchase you made.
3. Check Your Mail and Your Email. Look for mail and emails addressed to you that you do not recognize. This may include credit card accounts, medical bills, or notices from companies with which you do not have a relationship.
4. Get Help. You are not responsible for fraudulent transactions on your account, but you need to notify us as soon as possible if you see any suspicious activity. In addition, if you are concerned about fraud beyond the transactions on your current account, you may have access to an Identity Fraud Protection program that includes Fully Managed Identity Fraud Research, Remediation, and Recovery Services. We will submit your name to our Recovery Care Center and, within 24 business hours, you will be contacted by an Identity Recovery Advocate who will investigate the situation and work on your behalf to remediate any fraud. Contact us with any questions.
5. Take Action. If you suspect that your identity has been compromised, you can place a fraud alert on your credit file by calling any one of the three major credit reporting agencies shown below. A fraud alert is a notation on your credit file to warn credit issuers that there may be a problem. The credit issuer is asked to contact you at the telephone number that you supply to validate that you are the person applying for the credit. This is not the same as credit monitoring.
In accordance with the Fair Credit Reporting Act, it is permissible for consumers to request a free copy of their credit report once every 12 months from each of the three major credit reporting agencies (TransUnion, Experian and Equifax).
To order a free credit report:
Online: www.annualcreditreport.com or by Telephone: 1.877.322.8228
If your GHS Federal Credit Union account includes identity theft protection, or if you have purchased an identity theft protection package from our website, and you suspect identity fraud of any kind, let us know. Whether it is financial or non-financial fraud, even if it is not connected to this incident or your account, we can help. You will be assigned to a certified, professional Identity Recovery Advocate at no cost to you. These professionals are standing by to answer questions, place fraud alerts, research potential fraud, dispute fraudulent transactions on your behalf, and perform the legwork to return you to pre-theft status, no matter how long it takes—all at no cost to you as a valued accountholder with GHS federal Credit Union.
We appreciate your trust in our financial institution. It is important to us to provide professional identity theft protection services for our GHS Federal Credit Union personal accountholders for any identity theft incident that affects you and/or your family.
- Scam Alert February 9, 2016
It’s a New Year, and with a New Year comes new beginnings, resolutions, and sadly new scams. We want to help protect you from any scams that may come your way. One common scam you may run into is phone phishing.
Phone phishing is when someone calls, claiming to be someone who they really are not. This person will tell you, that in order to get out of a certain situation, you must give them personal information of yours. The IRS has seen a recent increase in local phone scams across the country, with callers pretending to be from the IRS in hopes of stealing money and/or identities from victims. Callers claim to be employees of the IRS, but are not. These con artists can sound very convincing when they call. They use fake names and bogus IRS identification badge numbers.
Protect yourself and your family by checking out the scam alert page from the IRS, which is listed below. In the link they give a list of current scams running as well as resources of how to report a scam or identity theft. You are also welcome to stop into GHS, our employees are always eager to help with any questions you may have!
- Seniors of GHS, please click here for a scam alert June 26, 2015
Please read this scam alert below from Kelly Brown Mateja of Aging Projects and Community Collaborations:
The New York State Office for Aging has been made aware of a new robocall scam that attempts to lure older New Yorkers into providing their personal information over the phone. The voice on the robocall identifies itself as the New York State Office for the Aging and asks the individual answering the phone to press a button if someone in the home is over 65 and would be interested in receiving a free Medic Alert pin and $3000 in coupons for food or other items.
This is a SCAM. The New York State Office for the Aging does not give away items, money or coupons and will NEVER solicit personal information over the phone.
If you receive a similar call, you should HANG UP IMMEDIATELY. Reports of financial scams should be reported to the Consumer Protection Division of the NYS Attorney General’s Office at 1-800-771-7755, the NYS Department of Financial Services at 1-800-697-1220 or the NYS Department of State (518) 474-8583.
Kelly Brown Mateja
Director of Aging Projects and Community Collaboration
- Telephone Call Phishing April 10, 2015
GHS has been made aware of a telephone call phishing scam directed toward several of our members. The call is automated and tells the member “your debit account has been blocked or locked out” and to call a number beginning with 877. This is fraudulent so please disregard these calls.