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Capital One Compromise and Cardholder Fraud Education

Capital One recently announced that a hacker gained access to more than 100 million Capital One customer accounts and credit card applications earlier this year. Capital One stated that “no credit card account numbers or log-in credentials were compromised and that over 99% of Social Security numbers were not compromised.”   

Fraudsters are highly skilled at getting cardholders to share information by posing as a representative with financial institutions over the phone.  They are also taking advantage of the latest technology and are sending text messages that look like they are coming from your financial institution.  They are also known to call in to call centers posing as cardholders requesting changes to card information. The fraudsters do this by using information stolen through data breaches at health insurance providers, reward program providers, credit bureaus, merchant terminals, and social media sites, as well as through malware programs deployed on personal computers. 

 

While this compromise does not affect your account here at DFDFCU, we wanted to take this opportunity to share with you some tips that will help prevent your information from being compromised.

 

  • A text alert from DFDFCU will NEVER include a link to be clicked.  NEVER click on a link in a text message that is supposedly from us. A valid notification from DFDFCU will only ask the cardholder to reply to the text message with answers such as ‘yes’, ‘no’, ‘help’, or ‘stop’.
  • A text alert from DFDFCU will always be from a 5-digit number and NOT a 10-digit number resembling a phone number.
  • A phone call from DFDFCU’s automated dialer will only include a request for your zip code, and no other personal information.  If there is a need to ask you more questions, you will be transferred to an agent that will assist from there. 
  • DFDFCU will NEVER ask you for your PIN or the 3-digit security code on the back of your card. Do not give that information out to anyone, that information is not a critical piece to verifying who you are helping you with any issue.  If you feel the call may not be from DFDFCU, hang up and call us directly.
  • Fraudsters will often ask cardholders to verify fake transactions. When the cardholder says no, they did not perform those transactions, the fraudster then says that their card will be blocked, a new card will be issued, and that they need the card’s PIN to put it on the new card. Many people believe this and provide their PIN.  DFDFCU will not ask for your PIN in any circumstance. 
  • Regularly check your account online to see if there are any suspicious transactions that have occurred, but especially If you are unsure about a call or text message you’ve received. If anything looks unfamiliar, call us directly for assistance.
  • If you have received a voice or a text-message from DFDFCU and are unsure about responding to it, call us directly for assistance. 

uChoose Rewards- Merchant offers in August

Do you own a DFDFCU rewards VISA credit card? If so, August is your month! Reward VISA card holders will enjoy limited time offers when shopping online at the following participating retailers but for only the month of August:

Merchant                                      Bonus Reward Points

 Macy's                                           4 points for every $1 spent

 Barnes & Nobel                            3 points for every $1 spent

 Bed Bath & Beyond                     5 points for every $1 spent

 Dell                                                5 points for every $1 spent   

 Kohl's                                            5 points for every $1 spent

 Registered cardholders will begin receiving special offers, and additional information about them, during the week of July 29. To redeem one or more of the offers, customers may click on the appropriate link within the email to activate and begin shopping right away!

 

Can't make it in to pay your DFDFCU loan payment? We have a solution !

Do you have a loan at DFDFCU, but your checking account at another institution?  Making a payment on your DFDFCU loan is now easier than ever – just ask a Personal Banker for an ACH form  and establish an automatic payment from your checking account, into your DFDFCU loan. Your payment will be made automatically every month.




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