Member Security Center

At Tidemark FCU your Security is Important to Us! We take the security and privacy of our members very seriously. You can look here for the latest financial security information, as well as tips on preventing fraud and identity theft.

Spotting, Avoiding & Reporting Scams

The Federal Trade Commission (FTC) is a government agency that protects people from frauds and scams.

 

About Identity Theft

If someone is using your personal or financial information to make purchases, get benefits, file taxes, or commit fraud, that's identity theft. 

What to do right away

Step 1:  Call the companies where you know fraud occurred.

  • Call the fraud department. Explain that someone stole your identity.
  • Ask them to close or freeze the accounts. Then, no one can add new charges unless you agree.
  • Change logins, passwords, and PINs for your accounts. 

Step 2. Place a fraud alert and get your credit reports.

  • To place a fraud alert, contact one of the three credit bureaus.  That company must tell the other two.
    • Experian.com/fraudalert - 1-888-397-3742
    • TransUnion.com/fraud - 1-800-680-7289
    • Equifax.com/creditreportassistance - 1-888-766-0008
  • Get your free credit reports from Equifax, Experian, and TransUnion.  Go to annualcreditreport.com or call 1-877-322-8228.
  • Review your reports.  Make note of any account or transaction you don't recognize. This will help you report the theft to the Federal Trade Commission (FTC) and the police.

Step 3. Report Identity theft to the FTC.

  • Go to Identitytheft.gov or call 1-877-438-4338. Include as many details as possible.

What to do next

Take a deep breath and begin to repair the damage.

Contact our Risk Management Department at riskmanagement@tidemarkfcu.org

For more information visit identitytheft.gov

Here's How They Work:

Did someone promise you a job - if you pay them? 

Never pay anyone who promises you a job, a certificate that will get you a job, or secret access to jobs.  Those are scams.

Did the IRS call saying you owe money?

The IRS never calls to ask for money.

Did someone else from the government call, threatening you and demanding money?

The government doesn't call to threaten you or ask for money.

Entering the Diversity Visa Lottery to get a Green Card?

It's free to apply and choice is random.  No one can increase your chance of winning.

Looking for legal help with immigration?

Use a lawyer or an accredited representative, never a notario.

Did you get a call or email saying you won something? Except there's a fee?

Never pay for a prize. That's a scam. You'll lose your money.

Did a caller offer to help you get back some money you lost?

No government agency or legitimate business will call and demand money to help you get money back.

Did you get a check form someone who asked you to give them part of the money back?

Never give someone money in return for a check.  Fake checks can look real and fool the bank.  You'll have to pay back all the money.

Did you get an email, text, or call asking for your credit card, bank account, or Social Security number?

Never give that information to anyone who asks over email, text or phone.

Here's how they work:

You see an ad on TV, telling you about a new law that requires you to get a new health care card. Maybe you get a call offering you big discounts on health insurance. Or maybe someone says they’re from the government, and she needs your Medicare number to issue you a new card.

Scammers follow the headlines. When it’s Medicare open season, or when health care is in the news, they go to work with a new script. Their goal? To get your Social Security number, financial information, or insurance number.

So, take a minute to think before you talk: Do you really have to get a new health care card? Is that discounted insurance a good deal? Is that “government official” really from the government? The answer to all three is almost always: No.

Here’s what you can do:

  • Stop. Check it out. Before you share your information, call Medicare (1-800-MEDICARE), do some research, and check with someone you trust. What's the real story?
  • Pass this information on to a friend.  You probably saw through the request.  But chances are you know someone who could use a friendly reminder.

Want to know more? Sign up for scam alerts at ftc.gov/subscribe

 

Here's how they work:

You get a call or an email.  It might say you've won a prize.  It might seem to come from a government official. Maybe it seems to be from someone you know - your grandchild, a relative or a friend.  Or maybe it's from someone you feel like you know, but you haven't met in person - say, a person you met online who you've been writing to.

Whatever the story, the request is the same: wire money to pay taxes or fees, or to help someone you care about.

But is the person who you think it is? is there an emergency or a prize? Judging by the complaints to the Federal Trade Commission (FTC), the answer is no. The person calling you is pretending to be someone else.

Here's what you can do:

  • Stop. Check it out- before you wire money to anyone.  Call the person, the government agency, or someone else you trust.  Get the real story. Then decide what to do.  No government agency will ever ask you to wire money.
  • Pass this information on to a friend.  You may not have gotten one of these calls or emails, but the chances are you know someone who has. 

 

 

Here's how they work:

You get a call: "Grandma, I need money for bail." Or money for a medical bill.  Or some other kind of trouble. The call says it's urgent - and tells you to keep it a secret.

But is the caller who you think it is? Scammers are good at pretending to be someone they're not.  They can be convincing: sometimes using information from social networking sites, or hacking into your loved one's email account, to make it seem more real.  And they'll pressure you to send money before you have time to think.

Here's what you can do:

  • Stop. Check it out. Look up your grandkid's phone number yourself or call another family member.
  • Pass this information on to a friend. You may not have gotten one of these calls, but chances are you know someone who will get one - if they haven't already.

 

How do I spot a money wiring scam?

Wiring money is like sending cash.  Do not wire money to people you do not know. Most money wiring scams look like this:

  • someone you do not know asks you to wire money

A scammer might use different ways to convince you to wire money.  The scammer might say:

  • you won a prize, or inherited money, but you have to pay fees first
  • you won the lottery, but you must pay some taxes first
  • a friend or family member is in trouble and needs you to send money to help
  • you need to pay for something you just bought online before they send it
  • you got a check for too much money and need to send back the extra

These are all tricks. When you hear stories like these, you have spotted a money wiring scam.

How do I avoid a money wiring scam?

Scammers are good at being friendly.  They also are good at fooling people.  Here is how you can stop a scammer:

  • Never wire money to someone you do not know.
  • Never wire money because someone contacted you:
    • even if you feel like you know the person
    • even if the person says he is your friend or related to you

What if I already wired money to someone?

If you sent money to someone who contacted you, report it to the Federal Trade Commission (FTC).

The FTC uses complaints to build cases against scammers.  Any information you can give helps investigators.

You Probably Spend Time:

  • connecting with friends and family online
  • downloading apps
  • sharing what you're doing - and where you are
  • sharing photos and videos on-the-go
  • building your online profiles and reputation

Why should I read this?

The truth is there are some risks involved in posting, playing, and talking to people online.  It can be easy to over-share, embarrass yourself, mess up your computer, and possibly get messages from creepy people.

Asking a few key questions first can help you protect yourself, your friends, your accounts, and your devices.

  • Before you post a message or a photo, download a game, or buy something online...ask yourself:
    • How will I feel if my photos or comments end up somewhere, I didn't mean for them to be?
    • Do I know and trust who I'm dealing with?

Protect Your Information

Some information should stay private. Your Social Security number and family financial information - like your parents' bank account or credit card numbers - should stay in the family.

Don't reply to messages that ask for your personal information - like passwords. That's true even if the message looks like it's from a friend, family member, or company you know - or says something bad will happen if you don't reply.  Chances are it's a fake, sent to steal your information.  Just delete it.

Don't stay permanently signed into accounts.  Log out when you're done using them.

Got apps? Try to check what information the app collects - before downloading.  And check out your own privacy settings.  Also think about whether getting that app is worth sharing the details of your life.  You might be giving the app's developers access to your personal information.

Password Tips

Passwords are one way to keep other people out of your accounts.  Here's how to create good ones:

Be unique. Come up with different passwords for your different accounts.  If you reuse the same password and it's stolen, someone could use it to hack into your other accounts.

Be strong. The longer your password, the harder it is to crack. Create a password with at least 12 characters, use a mix of uppercase and lowercase letters, numbers, and symbols.

Avoid the obvious. When creating passwords and security questions, don't use names, dates, phone numbers, or anything someone could learn about you from social media.  That's too easy to guess.  Get creative! And definitely don't use "password123".

Keep it private.  Don't share your passwords with anybody.

For more information on guarding your online presence visit ftc.gov/onguardonline 

 

 Ways to Protect Yourself and Your Information

  • Don't carry all of your important papers or ID cards with you.
  • Don't click on links in emails unless you're sure you know what it is.  Clicking can put bad programs on your device.
  • If you're shopping or applying for a job online, make sure the website starts with https. The 's" means the site is secure.
  • If you think someone stole your identity, visit IdentityTheft.gov for help.
  • Sign up for the Do Not Call Registry. DoNotCall.gov

 Please Report Scams

 If you spot a scam or think you are a victim, please report it to the Federal Trade Commission.

  •  Call the FTC at 1-877-FTC-HELP
  • (1-877-382-4357 or TTY 1-866-653-4261)
  • Go online: ftc.gov/complaint

Your complaint can help protect other people. By filing a complaint, you can help the FTC’s investigators identify scam artists and stop them before they can access a friend’s hard-earned money. If really makes a difference.