Consumer Alert !

Read these articles for more information:
Hang Up On The IRS? You Bet!

Don't Respond to E-Mail Asking For Private Financial Information!

Unsolicited Offers For Mortgage Life & Disability Insurance
Are Not From The Credit Union!

Hang Up On The IRS? You Bet!

When Uncle Sam calls, you answer, right?

Not necessarily so. Crooks posing as agents from the Internal Revenue Service (IRS) are calling people and attempting to trick them into giving out information about themselves that can be used to steal.

Out of fear and a desire to cooperate to avoid a dreaded potential audit, victims may hand over whatever is requested – Social Security number, birth date and other private information. The scammers use this information for identity theft purposes.

The deception is effective, especially for older adults, who tend to be more trusting.

So, what do you do if you get a call from someone who claims to be an IRS agent? Keep these things in mind if Uncle Sam comes calling and doesn’t quite sound as “red, white and blue” as he should:

First, remember that the IRS usually doesn’t even call taxpayers, and certainly never asks for account or credit card numbers, PINs or other information of this type over the phone.

Try to get the “agent’s” name. Do not call any number provide to you by that person. Instead, call the IRS at 1-800-829-1040 to confirm whether that person is indeed an employee of the IRS.

If you suspect the call was fraudulent, report it. Call the U.S. Treasury Inspector General’s fraud-referral hotline at 1-800-366-4484 and give as much detail as possible.

For more information recent fraud tactics, read “Suspicious e-Mails and Identity Theft” on the Internal Revenue Service Web site, http://www.irs.gov.

Don't Respond to E-Mail Asking For Private Financial Information!

Recently, there have been multiple e-mail fraud attempts, known as "Phishing”, that were initiated via e-mail sent to both the general public and to some credit union members. The e-mail appears to be from the National Credit Union Administration (NCUA), VISA or other government agencies.. It is not.

This false e-mail may say that they will limit your account access if you don’t verify your account number, Social Security number, etc. The e-mail then asks you to click on their link to provide the information. If the recipient complies the link directs them to a false Website and asked for your personal information.

Central Missouri Community Credit Union, the NCUA and any other reputable financial entities, do not ask credit unions members for such personal information. Anyone who receives an e-mail that purports to be from NCUA, VISA or other government agencies and asks for account information should consider it to be a fraudulent attempt to obtain their personal account data for an illegal purpose and should not follow the instructions in the e-mail.

If you responded to such an e-mail and provided any confidential account information, please notify your credit union immediately of the scheme. You should also change your account’s PIN, and take any additional action recommended by your credit union to protect your account.

If you feel that you have received a fraudulent Phishing e-mail purportedly from NCUA please forward the entire e-mail message to Phishing@ncua.gov.

Additionally, you can file formal complaints concerning any suspected fraudulent e-mail with the Internet Fraud Complaint Center (IFCC) at ncua@ic3.gov. The IFCC is a partnership between the Federal Bureau of Investigation, and the National White Collar Crime Center.

Unsolicited Offers For Mortgage Life & Disability Insurance Are Not From The Credit Union!

Recently several Central Missouri Community Credit Union (CMCCU) members have received unsolicited offers for life and disability insurance on their CMCCU mortgage loans. Since the credit union’s name is listed at the top of the letter as the lender, some members have assumed the offer came from a company in some way connected with the credit union.

The company is in no way affiliated with Central Missouri Community Credit Union! Any offers or correspondence sent by CMCCU to our members are clearly identified as coming from the credit union.

We recommend that you thoroughly research any insurance company before buying life, disability or any other type of coverage. You can learn more by visiting the Missouri Department of Insurance Web site (http://www.insurance.mo.gov/). This is also where consumers can file complaints regarding insurance companies and review an insurance company’s “complaint index”.

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