|
PHISHING SCAM ALERT!!
A fraudulent e-mail is being sent to credit union members which mimicks an e-mail from Land of Lincoln Credit Union. The e-mail asks you to verify your identity to protect your account. When you click on the link in the e-mail, it takes you to a site that looks like the LLCU website. When you vlick on the home banking link at the top left, it strarts propmting you for login information and account information. This is a phishing scam and has not been sent by anyone from Land of Lincoln Credit Union. Click here to see the phishing email.
If you recieve one of these e-mails, please do not respond to it or provide any debit card account information. If you have provided information by mistake, please notify LLCU immediately.
LLCU, along with other Federal and Credit Union agencies such as CUNA, NAFCU and NCUA, will never send e-mails requesting your credit union account number, username, password, pin number, or other personal identifying information. LLCU members are urged to never turn over private information based on an e-mail request. If you receive a suspicious phishing e-mail trying to represent LLCU or a credit union organization, please notify us immediately.
 |
This document requires Adobe Acrobat Reader. Just click the "Get Acrobat Reader" to download Acrobat Reader, or if you already have the Adobe Acrobat Reader plug-in, then just click on the link. |
It has come to our attention that many LLCU members, along with other credit union members, have received a bogus e-mail stating that their account access has been “limited”. The e-mail states that in order to restore on-line account access, the recipient must click on a link contained within the e-mail and provide personal information. The sender of the e-mail is using a spoofed address so that it appears to come from CUNA (Credit Union National Association). CUNA is a legitimate organization that provides services to credit unions; however they are NOT the sender of this e-mail.
If you receive this e-mail, please do not respond to it or click on any of the contained links asking for your personal information. If you have supplied information by mistake, please contact Land of Lincoln Credit Union immediately so that we can take precautions to protect your account.
To view a sample of the e-mail, click here. Adobe Reader is required to view the document.
Do you think you have been a victim of a cyber crime? File a complaint with IC3.
IC3 is website partnered by the Federal Bureau of Investigation (FBI) and the National White Collar Crime Center. Complaints of Internet crime can be filed on-line with IC3 and are then analyzed and referred to the appropriate local, state or federal law enforcement agencies. Click here for more information from IC3.
Beware of Misleading Insurance Solicitation
It has come to our attention that a company soliciting mortgage life insurance protection under the name of Affiliated Mortgage Protection, LLC, has mailed letters to a sampling of our membership. The letters reference Land of Lincoln Credit Union as the Lender and also state an accurate loan dollar amount financed at the credit union. The solicitation asks for standard information typically seen on an insurance enrollment form, ie date of birth, height weight, health problems, etc. Although the letter is not considered fraudulent, we wanted to make you aware that Land of Lincoln Credit Union in no way endorses the company nor is there any affiliation between Land of Lincoln Credit Union and Affiliated Mortgage Protection, LLC. The information they have regarding mortgage financing was obtained through public records – not from Land of Lincoln Credit Union. There is a disclosure at the bottom of the letter that states, “Neither insurers nor Affiliated Mortgage protection, LLC are affiliated with the lender.”
In the fight against identity theft, it is important to keep a close watch on the information being reported on your credit report and the organizations requesting your credit information. By September 1, 2005, everyone in the United States will have the right to receive a free copy of their credit report from all three credit reporting agencies. But, beware. Make sure you know what you are getting when you request these reports. There are many sites on the web that try to lure comsumers into purchasing additional services that are not a necessary part of obtaining a free report. Read more from USA Today.
| What we do... |
|
Identity theft and stolen personal information problems are increasing for businesses and consumers. We at Land of Linoln Credit Union realize the importance of keeping your information safe. The information on this page is intended to help you understand the efforts your financial institution makes on a daily basis to combat this ongoing problem and provide you with information and tools you can use to proactively combat this problem.
Land of Lincoln Credit Union goes to great lengths to ensure your personal information is safe with us. Here are just a few practices we have in place:
- Firewall managed 24 hours a day, 7 days a week
- Secure Internet connection for all employees
- Continually updated Anti-Virus software
- Secured Internet banking for members
- Paper shredders at all desks
- Password protection to vital information
- On-going employee training
- Updated computer equipment
- Identity verification with member transactions
We at Land of Lincoln Credit Union do everything possible to keep your information safe, however there are many more ways you can help in your own fight against identity theft. A few things you can do to avoid your information getting into the wrong hands are:
- Never give out your personal information over the phone or on the web unless you initiate the contact.
- When conducting transactions over the Internet, make sure you are on a secure site. The address should begin with https and show a padlock on the bottom right hand corner of the browser window.
- Shred important papers that need disposed of, including bank statements, utility bill invoices, credit card offers, and anything else that contains information that could be used to harm your credit or identity.
- Do not write your ATM PIN numbers down.
- Use passwords that are difficult to guess.
- Check your credit report regularly. Some states are required by law to provide you with a copy of your credit report. By September 1, 2005 all U.S. citizens will be eligible to obtain one free credit file disclosure (not the same as a credit report) per 12 month period. Go to www.annualcreditreport.com to learn more.
- Use anti-virus software and personal firewall protection on your home computer
- Report any suspicious activity on your bank accounts or credit card accounts to your financial institution immediately.
|
Frequently heard terms
Phishing - a scam in which an e-mail falsely identifies itself as being from a legitimate organization and is sent to an individual in order to obtain personal information and financial information that will be used for identity theft.
How do they work?
The most popular phishing scams have involved false e-mails trying to represent well known Internet based, legitimate businesses such as E-bay, AOL, and PayPal. Now, howevever, many more businesses and organizations, even Credit Unions, are being falsely identified in these malicious e-mails.
How do you recognize a phishing scam?
Best rule of thumb--Any e-mail asking you to click on a link to verify or update your information or to fill out a form contained within the e-mail to verify or update your information is a scam. Period. Legitimate businesses and organizations do not ask for personal identifying information in this manner. Never give out your personal identifying information based on an e-mail.
What if you are not sure?
If you think you have been sent a legitimate e-mail but are not completely convinced, still be very cautious. Contact the company directly and find out what their policy is for obtaining information updates. When you initiate the contact rather than vice versa, you are in control.
Other Terms
Virus - A program or piece of code that is loaded onto your computer without your knowledge and runs against your wishes. Viruses can also replicate themselves. All computer viruses are manmade. A simple virus that can make a copy of itself over and over again is relatively easy to produce. Even such a simple virus is dangerous because it will quickly use all available memory and bring the system to a halt. An even more dangerous type of virus is one capable of transmitting itself across networks and bypassing security systems.
Trojan - A destructive program that masquerades as a benign application. Unlike viruses, Trojan horses do not replicate themselves but they can be just as destructive. One of the most insidious types of Trojan horse is a program that claims to rid your computer of viruses but instead introduces viruses onto your computer
Worm - A program or algorithm that replicates itself over a computer network and usually performs malicious actions, such as using up the computer's resources and possibly shutting the system down.
Spyware - Software that is installed unknowingly on a personal computer in order to learn information about the user, such as Internet browsing habits and sometimes personal information, that can be used for advertising and other purposes. In some cases, spyware can gather information that will later be used in identity theft schemes
Adware - A form of spyware that collects information about the user in order to display advertisements in the Web browser based on the information it collects from the user's browsing patterns.
 |
