Reminder: TruMark Financial will never call asking for your account number, PIN, debit or credit card number (including the 3 digit code on the back), or any other personal identifying information. If anyone contacts you purporting to be from a financial institution or another agency and asks for personal information, money, or gift cards, please be diligent. Do not share any personal information with them. If you think you’ve become a victim of a scam, please call 1-877-TRUMARK. Please note: TruMark Financial may send texts and emails to the phone number or email address on record to verify identification before accessing your accounts.
Criminals constantly search for new and clever ways to obtain money and personal information from consumers. Each year, more consumers and businesses depend on computers, tablets, and smart phones to perform banking transactions and purchases, making cyber security and fraud vulnerabilities more prevalent. At TruMark Financial, protecting your information is a priority. We are committed to raising awareness and educating employees and members to protect confidential information. Take action to protect your personal and financial information. Keep online and offline transactions secure by reviewing security alerts, recognizing common scams, and protecting your identity. Below are current scams to be aware of and how to reduce risk to you/your accounts:
It’s common for fraudsters to take advantage of emergencies to propagate scams. The Coronavirus epidemic is no different. Scammers are using the Coronavirus pandemic to exploit the panic, fear, and uncertainty surrounding the virus to con people out of their money. The latest in a string of coronavirus scams involves a simple text message with criminal intent. Click here for more information.
Tax refund fraud
The IRS has identified a new scam in which cyber-criminals have stolen client data from tax professionals and filed fraudulent refunds using real taxpayer information, including bank account and routing information for direct deposit. The fraudster then contacts the taxpayer posing as an employee of a debt collection agency working on behalf of the IRS. They ask the taxpayer to take certain steps to return the refund, but actually the refund goes to the criminals.
Click here for more information about how to return a tax refund received in error or due to fraud.
Click here to view a quick video about tax scams.
Card cracking schemes target college students or recent graduates who are likely cash-strapped and the fraudsters use social media to do it. Here’s how it works:
- A fraudster sends you a social media message to make quick cash
- Enticed by the promise of money, you provide the scammer a debit card, PIN, or online credentials, giving them direct access to your account
- The fraudster deposits a fake check in your account
- Money is withdrawn immediately at an ATM
- The fraudster gives the accountholder a kickback
- You call the credit union/bank to report a lost or stolen card or compromised credentials
- The credit union/bank reimburses the stolen funds to you
- You are now a criminal accomplice
Click here to view a short view about card cracking from the U.S. Postal Inspection Service.
Pop-up scams occur when cybercriminals take over a web browser with a hard-to-close window declaring that your computer is infected with viruses and pressures users to call a phone number for help. The phone number connects to a call center where high-pressure salespeople demand remote computer access. After “finding” serious but fictional problems, the scammers ask for hundreds of dollars for equally fictitious or useless repair and security services.
Mobile deposit scams may happen when a person receives an offer for a free smartphone and is asked to provide their bank information for a supposed “credit check”. The fraudster uses that information to access the person’s mobile banking app and then deposits a fraudulent check. The fraudster will withdraw cash against it before the financial institution spots the fake check, leaving the accountholder responsible for any funds withdrawn.