沙巴买球

I received a suspicious smishing 文本 or phishing email posing as CUofCO.

In 2023, scammers are unfortunately out to steal more identities and personal information than ever before. These bad actors use a variety of tactics to steal private financial information. 一旦他们获得了信用卡或沙巴买球账户的详细信息, 他们可以进行未经授权的收费, 掏空你的账户, 偷走你的身份. 

We have received many calls from members who have given their 在线 banking and personal information in replies to 文本ing and phishing scams.  如果链接不是@cuofco.Org，这是有人试图窃取你的信息. 不回复这样的短信，干脆屏蔽号码.

Here are some examples of recent scam 文本s that have been circulating. You will notice some common themes among the fraudulent messages. 以下是关于诈骗信息的说明:

  • The phone number is missing or is not a Credit Union of Colorado phone number
  • 发件人要求您回拨另一个电话号码
  • 该消息包含看起来相似的链接, 但要包含额外的字母或数字, 或可能不相关的信用合作社科罗拉多域
  • 它们使用不同的域限定符，例如 .上面, .商业, .净,或 .在线
  • 该消息的内容令人担忧，但缺乏细节
  • 邮件中语法或拼写错误
  • The sender is requesting your username/password or other sensitive information
  • The sender is requesting additional details like a One Time Passcode or social security number
  • The sender is requesting details not normally needed to log into digital banking, 比如社会安全号码

  • The message does not include the name, Credit Union of Colorado, or the name is misspelled

 

短信诈骗的截图

 

Note that Credit Union of Colorado is abbreviated rather than spelled out in this example. 这段文字也来自一个未知的数字.

 

警告:不要测试这些欺诈电话号码或网站.

 

Note that this example doesn’t even mention Credit Union of Colorado. 除了, 科罗拉多信用社会 never send out a message requesting a call back to a random phone number. 千万不要尝试这些欺诈性的电话号码或网站.

 

手机诈骗短信立即采取行动

 

注意他们正在处理的“问题”.  Also, the phone number is not recognizable, and the URL is not correct. 千万不要尝试这些欺诈性的电话号码或网站.

科罗拉多信用社发来的合法信息

Below is an example of a real fraud alert from Credit Union of Colorado regarding a fraud alert. 你可以判断它是合法的，因为:

  • 电话号码每次都保持不变
  • There is a lack of urgency in the message (we can contact you later)
  • 没有拼写或语法错误
  • 要拨打的电话号码在短信之间保持不变
  • Contains clear details such as the last four digits of your card number

 

真正的诈骗来自国办

 

常见诈骗计划的五个P

When you recognize and educate yourself with the five P’s, you can ruin their nefarious plans.

1. 骗子假装来自一个已知的组织.

Scam artists often impersonate government organizations or companies you do business with, 比如科罗拉多信用社. These criminals will also make up names that sound like well-known businesses or service providers and use technology to change the number displayed on your caller ID.  Messages from the Credit Union will only include the web address byhcif.indicatihal.net.

2. 欺诈者说有一个问题

这些骗子知道如何引起你的注意. They'll use scare tactics to get you to respond to demands for 现金, 礼品卡, 电汇, 或者账户访问. Victims are often convinced they need to open their wallets after being told they:

  • 欠税 
  • 有法律问题吗
  • 需要解决一个账户问题
  • 是否有受到身体伤害的危险 
  • 有家庭成员陷入经济危机吗

The scammer always claims to have the solution but will only provide it in exchange for your money or private financial information.

3. 骗子迫使你立即采取行动.

骗子希望你行动迅速，并对沟通保密. 他们可能会打电话, 发邮件或短信威胁要逮捕他, 苏, 如果你不立即按他们说的做，他们会羞辱你. 他们不想让你花时间去核实他们的说法.

科罗拉多信用社会 never send a message requesting a call back to a random phone number. Messages sent from us will include the name, Credit Union of Colorado.

4. 骗子会告诉你用一种特定的方式付款.

小偷经常坚持要你付现金, 礼品卡, 电汇, 或者像比特币这样的虚拟货币. 这些付款方式不容易被追踪或取消. Some will send you a fake paper check for more than the amount needed, tell you to deposit it and instruct you to send them the difference.

5. 骗子要求你领取奖品.

你收到过电子邮件吗, 文本, or phone call of congratulations for a contest or sweepstakes you don't remember entering? 这个通知听起来很诱人, wise consumers ignore these attempts to lure victims into this common scam. Fraudsters will lie and say you've won the lottery or were approved for a free grant. But there's one big catch – you must pay a fee to claim your alleged prize.

如何避免诈骗

意识是全年避免诈骗的关键. Before acting on any unsolicited request for personal information, remember:

  • 假冒诈骗有多种形式. Government agencies and tech companies rarely call you out of the blue or send 文本 messages demanding payment. 如果这是一个合法的请求, they won’t mind if you call them back at the number displayed on the organization’s actual website.
     
  • 骗子制造虚假的问题和紧急情况. Confirm claims of out-of-town accidents and legal trouble by contacting family or local law enforcement. 查找号码. Do not call the number provided to you by a caller or the one that appears on your caller ID - numbers are frequently faked!
     
  • Never pay to resolve a legal matter or claim a prize using virtual currency, 现金, 电汇, 或者礼品卡. These payment methods are hard to trace and are most often associated with fraud schemes. You may not be able to dispute or recall transactions you authorize, 即使你后来发现这是个骗局.
     
  • 科罗拉多信用社会 从来没有 要求您提供验证码, 网站密码, 或者通过电话获得完全激活的卡号, 通过短信, 或电子邮件. Whenever you contact a financial institution regarding your account, 您可能会被要求以其他方式验证您的身份. You should never divulge financial details to someone who calls you out of the blue. 
     
  • 如果感觉不对劲，很可能就是. Lotteries, loans, and jobs do not fall through if you ask for a few hours to consider. 相信你的直觉! 

If you believe you may be the victim of a scam, we recommend using our 欺诈检查表 to recover the security of your accounts and possibly your identity. Contact us immediately at 800-444-4816 if you suspect fraud related to your Credit Union of Colorado account. 

额外的资源

We encourage our members to stay alert to potential fraud schemes. 你最好的防御就是意识. Our Risk Department recently found these specific scams to be on the rise across the country:

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