Fraud is a broad term that refers to the act of deceiving someone for monetary gain. 多年来, fraudsters have developed a wide range of tools and techniques to fool us into giving them our money and information.
While you may have mastered the art of identifying a fraudulent phone call, there may be new ways that fraudsters are attempting to deceive us. 在他们自己的游戏中打败他们, we are making every effort to raise awareness of scams and fraud that can put you, your family, 还有处于危险中的朋友. In this article, you will learn expert tips to identify if a situation is a scam.
防止欺诈的基本步骤
不要只相信来电显示
Fraudsters can spoof phone numbers including the customer service lines for Elements, 1-800-621-2105 and 1-317-276-2105让它看起来像是我们在给你打电话. If you receive what feels like a questionable call with our caller ID, 挂断电话，直接给我们回电话. 你可以随时打电话给我们.
冻结信用
A credit freeze keeps private data in your credit files from being accessed without your approval. Freezing your credit can help prevent fraudulent credit applications, even if a fraudster has information like your birthdate and Social Security number. You can easily unfreeze credit temporarily when you wish to apply for new credit. This is the most proactive defense against fraudsters. Here are useful links to freeze your credit with the major credit bureaus:
- Equifax: www.freeze.Equifax.com
- Experian: www.Experian.com/freeze
- Transunion: www.Transunion.com/freeze
- Innovis: http://www.innovis.com/personal/securityFreeze
- ChexSystems: http://www.chexsystems.com
- NCTUE: http://www.exchangeservicecenter.com/
控制借方 & 信用卡
用卡片控制控制你的卡片. You can create custom real-time alerts for your card transactions and even restrict your card if it is lost or stolen. Download the Card Control app within our Elements mobile app by selecting Card Control from the app menu or by visiting the Apple or Google Play store directly if you already have the Elements mobile banking app.
观看我们最近的广播
Learn more combating fraud from a previously live broadcast of Elements Live on Facebook. 点击这里观看研讨会.
常见的欺诈类型
We have all heard stories of online marketplace scams, received strange credit card and insurance phone calls, and have been notified that someone is trying to login to our accounts from countries we have never visited. The more stories we hear, the better we become at identifying when we are being scammed. We’re here to share the top 5 fraud scenarios that we hear about most often, 以及我们处理这些情况的技巧.
在线市场
These scams often involve a criminal advertising high-ticket items for sale at low prices online.
专家提示:
- When picking up the item in person, meet at a secure location, such as a police station.
- Do not accept anything but cash or certified funds for in-person transactions.
Skimming
Criminals often embed skimming devices inside point of sale terminals to steal credit card information.
专家提示:
- 刷卡前请打开读卡器.
- It is usually best to pay with a credit card, rather than debit, at the gas station.
电话或短信诈骗
Fraudsters may seek to steal your information or money on a call with a live person or through an automated texting system.
专家提示:
- Confirm the call’s legitimacy before giving out any information.
- Never fall for a call from an unidentifiable third party about a family member “in crisis."
- Look up and call the published customer service number back.
- Never click on links or give personal information in response to a text alert.
网络钓鱼诈骗
This is an attempt to obtain sensitive information such as usernames, passwords, 以及信用卡的详细信息.
专家提示:
- 小心链接或附件.
- Go directly to websites that require sensitive login info, 比如你的电子邮件收件箱或利记, 避免点击链接.
税务申报欺诈
This occurs when someone uses stolen information to file a tax return, claiming a fraudulent refund.
专家提示:
- 你报税越早越好.
- Contact the IRS directly if you’ve had ID theft issues.
发展趋势
Fraudsters are constantly developing new technology and strategies. Just as we begin to understand their old ways of doing things, 他们开发新的趋势，让我们保持警惕. Elements is constantly researching these trends in the fraud world so that we can better support you. We don’t want to keep our findings a secret, so we are here to share them with you!
就业欺诈
Fraudsters take advantage of people who are looking for a job. These criminals give you a check to start working and set up your home office. The checks turn out to be fraudulent, and then you are out the money you’ve spent.
Expert Tip: 小心那些“好得令人难以置信”的工作机会.
Rogue Apps
These apps either silently install a different app than the preview in the store and trick the user into approving its installation, 或者该应用程序将冒充零售品牌或银行, convincing the consumer to give up login or payment information.
Expert Tip: Watch for this type of fraud, especially near Black Friday and Cyber Monday.
身份盗窃
This is the deliberate use of someone else's identity, usually as a method to gain a financial advantage or obtain credit.
Expert Tip: Always keep your credit frozen as the most proactive defense against fraudsters.
有问题或需要可靠的建议? 我们的信用合作社专家随时为您服务. 联系要素 在你财务生活的各个方面给予支持.
This information is provided for informational purposes only. It does not constitute legal, tax or financial advice. Consult with your tax, legal or financial adviser before taking any action.
