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这些都是常见欺诈计划的例子
(not necessarily experienced by 直接金融 members).
通常通过电子邮件或邮政邮件发起, a letter is sent by the scammer stating that you have won a lottery. 在信中, there’s often instructions asking you to send funds and/or your bank account information, 支付处理费用, 税, and other miscellaneous fees in order to receive your winnings. No legitimate lottery will ever require payment or bank account information to receive your winnings. 欲知详情,请浏览以下联邦贸易委员会网页: http://www.consumer.ftc.gov/articles/fake-prize-sweepstakes-and-lottery-scams
你会收到一封邮件, phone call or text message informing you that fraud has been detected on your account. This communication may even appear to come from your own financial institution. 你被要求提供信息, 通常是信用卡号或登录凭证, to resolve the supposed fraud or to prevent the account from being closed.
Generally done by phone, the fraudster takes advantage of your desire to be helpful. 在一个常见的版本中, you receive a call telling you that your grandchild is in trouble and needs financial help, sometimes with further explanation that they have been in an accident or arrested. The fraudster asks you to withdraw a large sum of cash and states you cannot tell anyone about the situation, 否则这个家庭成员可能会惹上更多麻烦. 骗子可能会要求你购买礼品卡, 通过西联汇款汇款, or arrange for a local fraudster to pick up the funds from your house.
通常通过电话来完成, the scammer will call you pretending to be from a government agency such as the Social 安全 Administration, 美国国税局, 甚至是医疗保险. They will often threaten that something bad will happen if you do not provide your personal information or provide what they are requesting. Your caller ID may even say the call is from the government, but caller ID can be faked. 诈骗者还可能冒充执法人员, 比如FBI, threatening that you may be arrested if you do not provide personal information or do not send them money. No government agency or law enforcement official will ever ask you for your personal information over the phone or request that you send them money! 有关详情,请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/articles/how-avoid-government-impersonator-scam
You see a pop-up message on your computer that tells you your computer has a virus. The message may look similar to legitimate anti-virus software messages. 在某些情况下, the fraudster is trying to sell you bogus security software that does little or nothing. 在其他情况下, this fraud may involve illegitimately capturing credit card information, or installing malicious software such as a keystroke logging program. 如果您单击接受下载, you have likely allowed the installation of malicious software and given control of your computer to the fraudster.
The scammer will contact their victims via phone call, email, or text and pose as someone from an often-well-known business such as Amazon or Norton Anti-Virus. The scammer will generally state that something is wrong with your account or that a charge has been made for something you didn’t purchase. They will request that you contact them immediately to rectify the issue and at that point they may also request access to your device to process a refund. 一旦他们进入了你的设备, they ask you to login to your online banking which in the process of doing so they are stealing your login credentials/gaining access to your accounts and account information. 有关详情,请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/articles/how-spot-avoid-and-report-tech-support-scams
Scammers advertise jobs the same way legitimate employers do — online (in ads, 在工作现场, 和社交媒体). They promise you a job, but what they want is your money and your personal information. They will often send you a check and ask you to purchase equipment or material for the job. They may also ask you to purchase gift cards with the funds. No legitimate potential employer will ever send you a check and then tell you to send on part of the money or buy gift cards with it. The check will bounce, and the bank will want you to repay the amount of the fake check. 有关详情,请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/articles/job-scams
A scammer will contact their victim via an online sales ad, such as an ad on Craigslist or 脸谱网 Marketplace, 要求购买该物品. The scammer will send their victim a check in an amount that is more than the agreed upon purchase price and ask the victim to send the overage back to them immediately. The check gets returned and the victim is left to cover the loss. 有关详情,请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/features/fake-check-scams
If something sounds too good to be true, it probably is!
Each year, millions of Americans discover that criminals have fraudulently assumed their identities. A fraudster using a stolen Social 安全 number or other personal information can quickly run up thousands of dollars in purchases before the victim becomes aware that their identity has been stolen.
Identity theft has become the fastest-growing crime in America, a crime which usually leaves victims with the responsibility of cleaning up a web of phony purchases, 虚假的账户, 信用评级受损.
If you are concerned about potential identity theft for your child or children under 18 years of age, you can use this form to send a letter to the three primary credit bureaus. 您需要输入您的信息三次, 因为这个表格创建了给所有三个局的信.
If you are concerned that your child under the age of 18 is a victim of identity theft, you should contact the three credit bureaus and ask them to search for your child’s information. 访问 the following FTC’s website for further information: How To Protect Your Child From Identity Theft | FTC Consumer Information
如果你认为自己是受害者,请拨打800.966.8200.
访问 the sites below for further information on fraud prevention and what to do if you become a victim.
To help limit the amount of telemarketing calls you receive and your chances of a scammer contacting you, you can register your phone number(s) with the National Do Not Call Registry here: http://www.donotcall.gov/
随时了解诈骗的最新情况, visit the following summary page on the FTC website and subscribe to Consumer Alerts by clicking on “Get Email Updates”: 诈骗警报| FTC消费者信息
ReportFraud.ftc.gov is the federal government's website where you can report fraud, scams, and bad business practices.
访问 消费者.ftc.gov 寻找窍门,学习如何避免诈骗.
Consider placing a security freeze with the three major credit reporting agencies. 这可以在网上或通过电话完成. 安全冻结禁止, 有一些特殊的例外, the credit reporting agency from releasing the 消费者’s credit report or any information from it without the authorization of the 消费者.
Equifax
安全 Freeze | Freeze or Unfreeze Your Credit | Equifax®
益百利
益百利安全冻结中心
Transunion
Credit Freeze | Freeze My Credit | TransUnion
The Attorney’s General Office is also another 消费者保护 resource that you can reach out to if you are a victim of fraud. 访问 this direct link to the Vermont AGO’s website: 诈骗-佛蒙特州总检察长办公室
If you think you have become a victim of identity theft, 或者如果你有任何问题, 请拨打呼叫中心800.966.8200.