Scams today use all kinds of methods to obtain your personal information, including email (“phishing”), text message (short message phishing or “smishing") and phone calls (voice phishing or "vishing").
Often, these scams try to create a feeling of urgency so you'll respond before you have time to think. Such messages typically include a threat, like cutting off a service or closing your account, if you don't "update" or "verify" personal or account information.
Other scams may pretend to be helpful, like offering a security update or helping you remove problematic pop-up messages, but require you to provide your personal or account information first. These red flags should alert you that the request may not be legitimate.
Common red flags include messages that:
- Ask for your account information because someone wants to transfer money to you.
- Claim you are owed a refund.
- Inform you that you have won a contest.
- Threaten to close or suspend your account if you do not take immediate action and provide personal or account information.
- Solicit your participation in a survey where you are asked to enter personal or account information.
- State your account has been compromised or there has been third-party activity on your account and requests you to enter or confirm personal or account information.
- State there are unauthorized charges on your account and requests your personal or account information.
- Ask you to enter your User ID, password, account numbers, PIN or card expiration dates into an email, non-secure webpage or text message.
- Ask you to confirm, verify or refresh your account, credit card or billing information.
If you are ever concerned your personal or bank information has been compromised or shared with scammers, immediately call the toll-free number on the back of your credit/debit card or call (800) 246-2415. We will take steps to help you secure your account.