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Avoid Common Scams

To help you decipher what is real and what is a scam, we are providing a list of items that we have sent to some members recently. If you received something that is not on this list, check our list of common scams and phishing schemes that are out there. However, this is not a comprehensive list. If you are ever in doubt, call us directly at 1.800.639.5550 or 207.772.0808 to make sure you aren’t being conned.

Remember NEVER give personal identification information or financial account information over the phone unless you initiated the call or you know the caller. NEVER, EVER put personal identification information or financial account information in an email or a cell phone text.

Correspondence that we have sent to TruChoice members recently:

Email from TruChoice in July 2011 offering a $5 Dunkin Donuts gift card in exchange for my feedback on a loan application. THIS EMAIL IS REAL.

Letter or Email (or Pop Up after logging in to TruChoice) saying this is an important notice regarding standard overdraft protection. The government has changed its regulations regarding standard overdraft practices . . . THIS EMAIL IS REAL. As the email states, due to a change in regulation, we are required to ask you to Opt In for our overdraft coverage. Find out more about overdraft protection by clicking here.

Email from Allegiance, Inc. with subject line TruChoice FCU: Make your voice heard. THIS EMAIL IS REAL. This is a legitimate survey that is being administered by Allegiance on behalf of TruChoice.

A survey with the TruChoice logo and MemberPulse by Allegiance at the top. THIS SURVEY IS REAL. This is a legitimate survey that is being administered by Allegiance on behalf of TruChoice. Please complete the survey using the online link provided to help us reduce costs.

The following are some POPULAR SCAMS to watch out for:

An automated call from TruChoice saying I need to enter my credit card number for activation. THIS IS FRAUD. TruChoice does not call members about activating credit or debit cards.

An email from IRS.gov saying my tax payment was rejected. THIS IS FRAUD. On June 21, 2011, the IRS updated its announcement that people have been receiving fraudulent emails that appear to be sent from the Internal Revenue Service. Some bear the name of fictitious IRS employees, departments, or both. The warning noted that phishing emails, such as these, frequently carry attachments or links to Web pages that host malicious code and software, which should not be opened or visited. The IRS asked that fraudulent e-mails claiming to be from IRS be sent to phishing@irs.gov. Source: IRS

An email from NACHA (@nacha.org) about my accounts. THIS IS FRAUD. On April 22, 2011, the Electronic Payments Association said that it has been receiving reports that individuals and companies continue to receive fraudulent emails that appear to be sent from NACHA. NACHA said the content of the emails varies, but they mistakenly appear to be transmitted from email addresses associated with the NACHA domain (@nacha.org). Some bear the name of fictitious NACHA employees, departments, or both. The warning noted that phishing emails, such as these, frequently carry attachments or links to Web pages that host malicious code and software, which should not be opened or visited. NACHA asked that fraudulent e-mails claiming to be from NACHA be sent to abuse@nacha.org. Source: CUNA News Now

A text message saying an account has been locked and to contact a toll free number immediately. THIS IS FRAUD.

A call or email saying an account has been locked. THIS IS FRAUD.

An email from alerts@mail.visa.com saying a card had fraudulent activity and to fill out an online Visa Card Holder Form. THIS IS FRAUD.

An ad on CraigsList.com saying you could get money for referring new credit union members. THIS IS FRAUD.

An email with the subject line “Rejected ACH Transaction.” THIS IS FRAUD.

A call saying you have won a lottery that you don’t remember entering. THIS IS FRAUD.

A stranger asking you to deposit a check and wire them the money. THIS IS FRAUD.

My US Census asking for your social security number and banking information. THIS IS FRAUD.

A foreigner contacting you about helping him/her move money into a US bank account. THIS IS FRAUD.