Online Fraud Information
Fraudulent Grand Jury Summons Containing Malware:
The IC3 warns consumers of recently reported
spam e-mail containing a fraudulent subpoena notifying recipients they are
commanded to appear and testify before a Grand Jury. The e-mail attempts to
appear authentic by containing a court case number, federal code, name and
address of a California federal court, court room number, issuing officers'
names, and a court seal. Recipients are directed to click the link provided in
the e-mail in order to download and print associated information for their
records. If the recipient clicks the link, malicious code is downloaded onto
The e-mail also contains language threatening
recipients with contempt of court charges if they fail to appear. Recipients are
also told the subpoena will remain in effect until the court grants a release.
As with most spam, the content contains multiple spelling errors.
If you receive this type of notification and are unsure of its
authenticity, you should contact the issuing court for validation.
Be aware; if you receive an unsolicited
e-mail, especially from an unknown sender, it is recommended you do not open it.
If you do open the e-mail, do not click any embedded links, as they may contain
a virus or malware.
If you have
received an e-mail similar to this, please file a complaint at www.ic3.gov
Fraudulent E-mails Claiming To Be From The FDIC:
Be sure to see the official warning
at the FDIC website: http://www.fdic.gov/news/news/SpecialAlert/2008/sa08057.html
IRS Warns Taxpayers of New E-mail Scams:
Be sure to see the official warning
at the IRS website: http://www.irs.gov/newsroom/article/0,,id=170894,00.html
"Updated Sept. 19, 2007 - Another recent e-mail scam tells taxpayers that
the IRS has calculated their "fiscal activity" and that they are eligible to
receive a tax refund of a certain amount. Taxpayers receive a page of, or are
sent to, a Web site (titled "Get Your Tax Refund!") that copies the appearance
of the genuine "Where's My Refund?" interactive page on the genuine IRS Web
site. Like the real "Where's My Refund?" page, taxpayers are asked to enter
their SSNs and filing status. However, the phony Web page asks taxpayers to
enter their credit card account numbers instead of the exact amount of refund as
shown on their tax return, as the real "Where's My Refund?" page does. Moreover,
the IRS does not send e-mails to taxpayers to advise them of refunds or to
request financial information."
Fraudulent E-Mails Claim To Be From ViewPoint Bank
Financial Solutions In Association With The FDIC.
The FDIC has become aware of e-mails
that appear to be sent from ViewPoint Bank Financial Solutions and the FDIC. The
e-mail requests the recipient to register for a "SON - Secure Online Network"
code to protect against credit card fraud. The e-mail instructs the recipient to
click on a hyperlink to initiate "SON" registration in an attempt to acquire the
recipient's personal financial information. These e-mails are fraudulent and
were not sent by either ViewPoint Bank or the FDIC. Financial institutions and
consumers should NOT access the link provided within the body of these e-mails
and should NOT, under any circumstances, provide any personal financial
information through this media. The FDIC does not directly contact consumers,
nor does the FDIC request personal financial information from consumers.
The fraudulent e-mails describe
fictitious relationships between the FDIC and VISA, MasterCard, Yahoo, eBay,
Amazon.com, and Half.com. The e-mails claim that consumers will receive a 15
percent discount at various Web sites upon completion of the form. These
fraudulent e-mails may be modified over time, reflecting different financial
institution names or business relationships.
The FDIC is attempting to
identify the source of the fraudulent e-mails, and disrupt the transmission.
Until this is achieved, consumers and financial institutions should notify the
FDIC at firstname.lastname@example.org of any similar
attempts to obtain personal financial information.
Information about counterfeit
items, cyber-fraud incidents and other fraudulent activity may be forwarded to
the FDIC's Cyber-Fraud and Financial Crimes Section, 550 17th Street, N.W., Room
F-4004, Washington, D.C. 20429, or transmitted electronically to email@example.com. Information related to
federal deposit insurance or consumer issues should be submitted to the FDIC
using an online form that can be accessed at http://www2.fdic.gov/starsmail/index.asp.
Fraudulent E-Mail Claims To Be From The FDIC
The Federal Deposit Insurance
Corporation (FDIC) has become aware of fraudulent e-mails appearing to be
from the FDIC. The e-mails ask recipients to click on a hyperlink titled
"Take the Corrective Action - Implement the LinkBank System."
When accessed, the hyperlink takes the individual to a "spoofed" FDIC Web
page. At that point, the individual is directed to provide online banking
information, including bank name, username, and password.
e-mails appear in "memo format" and are purportedly from "Russell A. Rau,
Assistant Inspector General for Audits." The e-mails include a "Subject"
line that states: "Division of Supervision and Consumer Protection's
Risk-Focused Compliance Examination Process for [recipient's name inserted]
(Report No. 05-038)."
The FDIC does
not directly contact consumers in this manner, nor does the FDIC request
personal financial information from consumers. Financial institutions and
consumers should NOT access the link provided within the body of these
e-mails and should NOT, under any circumstances, provide any personal
financial information through this medium.
institutions and consumers should be aware that other similar e-mails may be
sent that falsely claim to be from the FDIC.
The FDIC is
attempting to identify the source of the fraudulent e-mails and disrupt the
transmission. Until this is achieved, consumers and financial institutions
should notify the FDIC at firstname.lastname@example.org of any similar attempts to obtain personal financial
about counterfeit items, cyber-fraud incidents and other fraudulent activity
may be forwarded to the FDIC's Cyber-Fraud and Financial Crimes Section, 550
17th Street, N.W., Room F-4004, Washington, D.C. 20429, or transmitted
electronically to email@example.com. Information related to federal deposit insurance or
consumer issues should be submitted to the FDIC using an online form that
can be accessed at http://www2.fdic.gov/starsmail/index.asp.
reference, FDIC Special Alerts may be accessed from the FDIC's website at http://www.fdic.gov/news/news/SpecialAlert/2007/index.html. To learn how to
automatically receive FDIC Special Alerts through e-mail, please visit www.fdic.gov/about/subscriptions/index.html.
Fraudulent FDIC E-Mails Being Received
FDIC Consumer Call Centers in Kansas City, MO., and Washington D.C., have
been receiving a large number of complaints by consumers who received an e-mail
that has the appearance of being sent from the FDIC. The e-mail informs the
recipient that Department of Homeland Security Director Tom Ridge has advised
the FDIC to suspend all deposit insurance on the recipients bank account due to
suspected violations of the USA PATRIOT ACT. The e-mail further indicates that
deposit insurance will be suspended until personal identity, including bank
account information, can be verified.
This e-mail was not sent by the FDIC and is a fraudulent attempt to obtain
personal information from consumers. Financial institutions and consumers should
NOT access the link provided within the body of the e-mail and should NOT under
any circumstances provide any personal information through this media.
The FDIC is attempting to identify the source of the e-mails and disrupt the
transmission. Until this is achieved, consumers are asked to report any similar
attempts to obtain this information to the FDIC by sending information to
Jury Duty Scam
In this con, someone calls pretending to be a court official
who threateningly says a warrant has been issued for your arrest because you
didn't show up for jury duty. The caller claims to be a jury coordinator.
If you protest that you never received a summons for jury duty, the scammer asks
you for your Social Security number and date of birth so he or she can verify
the information and cancel the arrest warrant. Sometimes they even ask for
credit card numbers. Give out any of this information and bingo! Your identity
just got stolen.
The scam has been reported so far in 11 states, including Oklahoma, Illinois,
Colorado, Texas and California..
This (scam) is particularly insidious because they use intimidation over the
phone to try to bully people into giving information by pretending they're with
the court system.
The FBI and the federal court system have issued nationwide alerts on their web
sites, warning consumers about the fraud.
An Article From the Oklahoma Banker Direct
of the Oklahoma Bankers Association
March 22, 2006
P.O. Box 18246, Oklahoma City, OK 73154-0246 ˇ (405) 424-5252 ˇ www.oba.com
Watch for these new scams!
Here's something that came to our
attention today, from two different sources. It's an article by
Andrea Coombes, and it's taken from today's edition of Market Watch. It
warns against the latest fraud scam involving the Internal
On the e-mail the victim receives,
the IRS logo looks real and the message appears to have been
sent from the right place. There's also a "copyright 2006 IRS"
tag at the end of the message which adds to the appearance of
But it's a scam.
Ms. Coombes' article notes that
"scammers . . . are swamping consumers' e-mail inboxes with
messages notifying them of an audit or offering access to a
refund. The fraudsters' aim is to collect your Social Security
number, credit card account number, and bank information."
According to the article, consumer
complaints about the e-mail scams are pouring in at the rate of
about 100 a day on average, according to Bonnie Heald, a
spokeswoman at the Treasury Inspector General for Tax
Administration, or TIGTA, which oversees IRS-related fraud,
waste and abuse. So far, TIGTA has found 12 Web sites operated
in 18 countries perpetrating this or similar types of
According to Ms. Coombes' article,
when you click on the link posted in the e-mail, the resulting
location looks eerily similar to the official IRS.gov Web page.
Scammers copied the official IRS logo, and even the type font
matches the IRS site.
And, if you click on the "Home"
button, it takes you to the official IRS site, at www.IRS.gov.
Ms. Coombs' excellent article
notes that the IRS generally does not send e-mail messages to
"We do not communicate with taxpayers via e-mail. We may send
you a letter, we may call you, but we do not send out e-mail,"
an IRS spokesperson was quoted as saying. She also said the bulk
of the scams have been through e-mail, though sometimes
fraudsters will mail a regular letter, or even call taxpayers.
"If taxpayers get any
communication that purports to be from the IRS and if they're
not sure that it's a legitimate correspondence and it's asking
for financial information, they need to call us and check it
out. Mathis said. "Some of these e-mail scams that I saw, they
would not only ask for your bank account number, they would ask
for your password to your bank account - something we would
never ask for." She noted, however, that "we do communicate with
taxpayers probably more frequently than people think. It's not
just through audits."
To find out whether a communication you received from the IRS is
legitimate, call the IRS at 800-829-1040. Ask them to confirm
that the IRS is trying to contact you.
The other scam that's going around
involves a caller who says the victim didn't show up for jury
duty and there's going to be the devil to pay. The request is
for the usual information, and - again - it's just a scam.
Let your customers know about
these fraudsters and how they're hitting your customer base
across Oklahoma. You'll be a real hero to your customers if you
simply make them aware of these crooks.
If for some reason you haven't yet
had Elaine Dodd come to your bank and talk to your employees and
put on a program for your customers, call us at the OBA so we can
get one scheduled. So far there's no charge for this great
service, and we've encouraged bankers of all sizes all across
the state to take advantage of this tremendous membership
For questions, call Roger Beverage
at the OBA - (405) 424-5252.
Phone Scams Going On
Beware Phone Calls asking for information. We received this
letter from the Oklahoma Bankers Association.
| A publication
of the Oklahoma Bankers Association
Dec. 9, 2005
P.O. Box 18246, Oklahoma City, OK 73154-0246 ˇ (405) 424-5252 ˇ www.oba.com
Widespread scam spreading
Oklahoma has seen scams in years
past where people have received calls from individuals asking
for their banking information, but never in such large numbers
in such a short amount of time.
The Oklahoma Bankers Association
is receiving reports across the state about scams that seem to
be initiated from a single source, with potentially a large
number of callers and phone lines at their disposal. Bank
customers (often senior citizens) are receiving calls that state
the caller is with their bank (without actually naming the
bank). The caller says something has created an error on their
account and they need to verify information so that it can be
Other reports vary slightly, with
the callers saying they are from the National Bureau of
Verification. Customers are then asked to get their bank
statement to verify information pertaining to a bank error. In
this second version the callers do not claim to be from the
bank, and in the first they are non-specific as to the name of
the bank - both of which indicate they do not have actual
banking information on any of the customers prior to the call.
Reports seem to indicate that
there are at least two male callers (one male identifying
himself as Peter Daily) and at least two female. The male
callers are known to become more aggressive and even
belligerent. In the last two days, the OBA has received reports
and calls from Shawnee, Okmulgee, Walters, Skiatook, Bristow,
Oklahoma City, Duncan and Stonewall. It is unknown how they are
targeting senior citizens but this does seem to be the case.
This may only be a function of the
larger number of seniors who could potentially be home during
the daytime hours when they are placing the calls. In a few
isolated cases, customers have stated that the callers knew
where they banked, had routing numbers and had the number of
their last check. This has not been confirmed but could be
accomplished by slick scammers actually leading customers into
giving information without realizing they were the source.
Customers need to be warned not to
ever give their bank account information or any other personal
information out through unsolicited phone calls or e-mails. Any
customers receiving such calls should hang up and call the bank
back to verify that they are talking with their true bank
representative. If anyone has received such a call and thinks
they may have inadvertently shared their account information,
they should contact their bank immediately and have their
account closed and reopen another.
The OBA was able to get the
information into the Oklahoman business section in today's paper thanks to
the late evening efforts of reporter Don Mecoy and similar
information should appear in the Lawton Constitution, thanks to Lawton Police Department and Megan on the Constitution staff.
Remember: Advantage Bank will NEVER call you and ask you for your ACCOUNT
Spyware On Computers
Checking your account online? Be careful on what computers
you use to access your online banking account. If it is a computer that is not
yours, or that you don't know what programs it has, it could contain Spyware.
With Spyware, the computer could send your account numbers, username, and
passwords to other people waiting to steal that information for Identity Theft.
Always be sure to check your account from a computer that you trust, or know
doesn't contain Spyware!
Customers have recently informed us that they are receiving
e-mails claiming to be from a financial institution. The sender wants the
customer, some who don't even have an account with that institution, to go to a
website and submit information such as account numbers, social security
numbers, PIN numbers, or other confidential information. Some e-mail senders even threaten to
close the account if the information is not provided within a certain amount of time.
These are fraudulent e-mails that are trying to gain your financial information.
At times, even visiting the link provided in the e-mail can allow certain
software to be installed on your computer without your knowledge. This software
then tries to search your computer for information.
Please know that Advantage Bank will NEVER e-mail you to ask
for "updated information" or confidential information. If you feel that you
have received an e-mail from us that is fraudulent, or if you are our customer
that has received an e-mail from another institution requesting personal
information, please forward these e-mails to the address listed below. We will
then attempt to contact the proper institution and report the attempted scam.
Please feel free to contact us with any questions!
You can report suspected fraudulent e-mails to: Fraud@advantagebank.biz
Counterfeit Postal Money Orders
The U.S. Postal Inspection Service is
alerting financial institutions and their customers to beware of the latest
fraud scheme involving counterfeit postal money
Postal Inspectors are offering valuable
advice concerning the security features of postal money orders. Similar to
United States currency, postal money orders are specially designed with
different colored inks, watermarks, and security threads. Genuine postal money
orders contain ALL of the following features:
security markings, which can be viewed by holding the postal money order to the
images (watermarks) concealed in a white oval on the left-front side
of the money order, visible on both the front and reverse sides when held to
A dark security thread
on the front of the money order, running top to bottom to the right of the
Franklin watermark, which when held to light reveals the word "USPS "
repeating through the thread and alternating right-side up and up-side down
in format. The words should only be visible when held to a light source.
Warning instructions printed on the reverse
Denominations displayed in two locations on the front, without discoloration
around the dollar amounts (discoloration may indicate alteration)
Maximum value for domestic postal money orders is $1,000; international postal
money orders are limited to $700.
For additional information and
resources on fraudulent money orders:
- Call the money
Report - If you suspect fraud, call the U.S. Postal Inspection ServiceŽ at 877-876-2455 (Follow the prompts).
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