There are many scams circulating, and it can be easy to fall for them. Protect yourself and your money. Below are just a few examples of scams that are occurring and tips for protecting yourself and your accounts.
If you suspect you have been scammed call us right away.
Beware of Fraudulent Calls
From time to time we hear from our members about fraudulent calls from scammers that appear to be coming from our credit union. Scammers can make it look like the call is coming from Harbor Pointe Credit Union, when in fact it is not. This is called Number Spoofing.
We will never call our members asking for their account number, social security number, PIN, or online banking login information. If you receive calls for this type of information, ignore the call and hang up. If you have questions about receiving a call such as this please call us directly at 218-722-9242.
Some simple tips to protect your information:
1. Verify the caller: If you receive a suspicious call, hang up and call us directly. Never use the number provided by the caller. Note that when you do call us, we may ask for transactional information to confirm your identity, however we will never, call , text, or email you directly asking for this information.
2. Do not share personal information: Never give out your account details, passwords or other sensitive information over the phone unless you are certain of the callers identity. Avoid saying “yes” or “ok” if the caller asks questions such as “can you hear me”. Never click on any links in a suspicious email.
3. Monitor accounts regularly: Review your accounts on a regular basis and report any unauthorized transactions to us immediately.
4. Use strong passwords: Ensure your online passwords are strong and unique. Avoid using easily guessed information like pets names, birthdays, etc. Change passwords on a regular basis.
5. Utilize Account Alerts: Set up free alerts for your accounts to receive notifications of unusual activity.
Best Practices:
Did someone call requesting you to buy a gift card and the Pin number to:
If you answered yes to any of these, HANG UP. It’s a scam.
Caller claims grandchild is in jail after a crash or arrest and needs bail money.
HANG UP ON THEM!
Caller claims you owe the IRS money, and they are going to arrest you.
HANG UP ON THEM!
A pop-up window says you have viruses and offers to fix them for $$.
Unplug your computer and bring to a computer repair shop. DO NOT CALL THE NUMBER ON THE POP UP!
Person claims they are interested in purchasing something you are selling, saying they will send you a check and then asks you to ship to them. The check will be for way more than the selling price, then they will ask you to send them back the difference.
DON’T CASH THE CHECK AND STOP ALL INTERACTION WITH THEM!
Caller claims you won the lottery or have an unclaimed inheritance from a very distant relative.
HANG UP ON THEM!
Person poses as someone looking for love online. Then they say some kind of sob story (building schools in 3rd world country, stuck overseas because of passport issues, cancer, car broke down, child sick, etc.) and need money.
DON’T SEND MONEY AND STOP ALL COMMUNICATION!
There have been reports of letters being sent titled “Home Warranty Division” on the top left of letter. The letter references getting home warranty up to date for a secured property. The letter includes a voucher which looks like a check on the bottom.
THIS IS A SCAM. DO NOT REPLY!
Don’t click on links or attachments in emails. If something sounds strange, call the business directly, not the number listed in the email.
Never send money to someone you do not know. Scammers use a variety of ways to collect money from you, including:
Scammers use mobile payment apps to trick people into sending money or merchandise without holding up their end of the deal. For example, a scammer may offer to sell you concert or sports tickets, or a puppy or other pet, but then never actually give them to you. Or a scammer might purchase an item from you, appear to send a payment, and then cancel it before it reaches your bank account.
What to do: Never send money to someone you don’t know. If you think you made a payment to a scammer, contact your financial institution immediately.
You can also file a complaint with the Federal Bureau of Investigation’s Internet Crime Complaint Center at www.ic3.gov.
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