Phishing, Smishing!

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DEFINITIONS
Three Types of Fraud: Phishing, Vishing and Smishing
Fraud continues to evolve as consumer's knowledge and awareness of fraud
techniques increase. The purpose of e-mail fraud is to get the consumer to provide
confidential information, such as account numbers, passwords and social security
numbers. The perpetrator then uses this information to gain access to the
consumer's bank and credit card accounts.
To keep you informed, below is information on the three common forms of e-mail
fraud - phishing, vishing and smishing.
Phishing was the earliest form of the e-mail scam.
%u2022 An e-mail is sent to the consumer, which appears to be from a legitimate
company or financial institution.
%u2022 The e-mail generally states an urgent response is necessary to keep an
account from being blocked.
%u2022 The e-mail asks the user to verify personal information, such as account
number, SSN, card number or personal identification number (PIN), card
expiration date, or card security code.
Vishing soon followed phishing. This term is a combination of "phishing" with
"voice," because the fraud is initiated via telephone and/or e-mail. A vishing
request can be received in two ways:
%u2022 The consumer receives a telephone call claiming to be from a financial
institution or other legitimate company, calling to verify personal information
(just as in phishing scams).
%u2022 The consumer receives an e-mail or automated telephone call, requesting an
urgent response or their account will be blocked. The notification refers to a
phone number that when called, asks for personal information (card number,
account number, PIN, etc.). Many members are accustomed to entering this
information in MATTI (Members' Automated Teller Transaction Inquiry), so
they aren't alarmed when asked in this situation.
Smishing is the newest form of this scam. This term is a combination of
"phishing" with "short message service (SMS)" and is initiated via text message.
Smishing can occur when:
%u2022 The consumer receives a text message on a cell phone or other mobile
access device, confirming enrollment in a dating service (or other company)
and stating the user will be charged $2 per day unless the order is cancelled.
Once the recipient clicks to cancel the order, a Trojan horse virus is
downloaded that allows the criminal access to the mobile device. This
enables the criminal to listen to calls and access information stored on the
phone.
%u2022 The consumer receives a text message stating an account is in danger and
prompts the recipient to respond by verifying personal information. As these scams gain media attention, fewer people are willing to respond.
Unfortunately, the criminals continue to use technology to find new ways to attempt
to steal personal information.
Tips to Avoid Becoming a Victim of These Scams
%u2022 Never release personal or account information to unsolicited emails, telephone
calls or text messages.
%u2022 Protect your personal information. Be cautious of who you give this information
to.
%u2022 Don't click on links embedded in unsolicited e-mails or text messages. They can
contain viruses or Trojan horses.
%u2022 If you receive a call or e-mail directing you to act immediately to avoid your
account from being blocked, do not respond. Instead, call the customer service
number on the back of your credit card, debit card, account statement. Or if it
is a CommunityAmerica card, contact us directly at 913.905.7000 or
800.892.7957.
%u2022 Report any suspicious/vishing scam telephone number or e-mail address to your
local or federal law enforcement agencies.
%u2022 If you receive a phishing, vishing or smishing scam claiming to be from
CommunityAmerica Credit Union, contact us immediately at 913.905.7000 or
800.892.7957, or e-mail the information to: abuse@cacu.com.

SOURCE ="http://www.cacu.com/ancillary/phishingvishingsmishing.pdf">