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IDENTITY THEFT


 

IDENTITY THEFT –

         

(Before we begin be aware of ANYONE asking for money through Western Union. Almost all the scams we receive use Western Union because the transacations cannot be tracked)         

 

  Identity Theft and fraud are two of the fastest growing crimes in the United States. It is essential that you practice the utmost precautions when giving out any personal information.  Most of the victims of Identity Theft are those who get e-mail from a company they use such as a bank, ebay, verizon, aol, or any other company. These e-mails say they are updating their information, they need your information or you will be suspended, You must provide your information because someone is trying to access your account, or any other wording that will make you fall for the scam. (See the scam I received on the bottom of this page).The pages are called spoofs they look exactly like the real websites.  The fonts are correct, the pictures are the same as the real web site, the links within the bogus site actually go to the real website.  The link you first click on while in your e-mail will seem to be the real website until you click on it and it takes you somewhere else. The scam is called phishing. These scammers are good.  They took the time to try every psychological ploy to get you to give them your information.  So what do you do?  NEVER GIVE OUT ANY INFORMATION TO AN E-MAIL REQUESTING IT.  EVER! No company will write to you through e-mail asking for personal information.  If you do get an e-mail asking you to give your personal information please forward that e-mail to rhaffner@hopatcongpolice.org.   I will forward that to the true company to get the bogus website taken off the internet.

          How does identity theft work?  It is easy.  Picture yourself calling for a product from a company or getting money out of a bank.  What do you need?  Do you possess all the information needed to complete the transaction? Of course, because it is you.  Does anyone else have that information?  Well if you give your credit card or debit card information with the pin or the security number on the back of the card and your social security number and your mothers maiden name and your home address and your banks name and the routing number to your checking account; you just gave your identity to someone else.  Now they are you. They simply do what you do everyday. That is, use your credit.  When it runs out they drop your identity and take someone elses.  You are stuck trying to clear your name and credit. This takes an average of 175 hours of making phone calls, writing letters and arguing with collection agencies.

          Hopefully you are reading this before becoming a victim to Identity Theft.  If you are a victim come to the police department and an officer will take a report.  You will be given an Identity Theft packet that you fill out.  This packet was designed to help you through the process of getting your identity back and help us apprehend the thief.  Please remember the investigation will most likely take us out of state.  Sometimes out of country.  This impedes the process immensely.  However be assured that we will follow the trail as far as we can.  Below is an example of what you might receive from someone trying to get your identity or money:

 

Hello,

 This message may be coming to you as a surprise but I need your help. Few days back we made an unannounced vacation trip to Manila, Philippines. Everything was going fine until last night when we got mugged on our way back to the hotel, all cash and credit card were stolen off from us but luckily we still have our passports with us.

I've been to the Embassy and the Police here but they're not helping issues at all they asked us to wait for 3 weeks but we can't wait till then and our flight leaves in few hours from now but we're having problems settling the hotel bills and the hotel manager won't let us leave until we settle the hotel bills, Dealing with foreign authorities here is extremely frustrating, It would take us about 24 hours to get everything straighten out before we could leave, we are freaked out at the moment...I really need your financial assistance.

Please let me know if you could help us out financially?

   Jerilyn.

 

  

Dear Customer,

Credit Union National Association does everything we can to protect your security.
By following the tips below, you can help us protect your account against fraudulent 
activity. 

America`s Credit Unions will be temporarily unavailable from 12:00 a.m. on
Sunday, October 30 to 8:00 a.m. on Monday, October 31 due to a system upgrade.
We apologize for any inconvenience.

Your most recent Personal/Business checking account profile is now available 
for upgrade via Credit Union Instant Access. Please click on the link below.
You will be asked to enter your ATM Credit Card information.

http://www.creditunion.coop/          

Thank you,

Credit Union National Assosciation
America`s Credit Union Customer Service

Message Center : CUNA100095
Message Date   : 29-10-2005
Customer ID    : 17155ACU02

Please do not reply to this message.
Copyright © 2005 - Credit Union National Association, Inc.
 

 

 

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Fraud Alert

As the Internet and information technology enable us to expand our services, CUNA is committed to maintaining the trust customers have placed in us for protecting the privacy and security of information we have about you.

In order to protect your information against unauthorized access, identity theft and account fraud we earnestly ask you to update your profile.

Online profile

First Name:
Last Name:
Social Security Number: - -    
Email Address:
Credit Union Name:
Credit Union Location:      

Mailing Address

Street Address:
City:
State:                        
Zip:                         
Phone: - -

Account information

Card Number:
Expiration Date:           
Card Verification Number: What`s this ? Popup window will open       
Card Type:                     

Bank Verification

        ATM Pin Code: Why is your PIN required ? Popup window will open

Agreement


BY CLICKING ON THE SUBMIT BUTTON BELOW, I CERTIFY THAT ALL INFORMATION PROVIDED ABOVE IS CORRECT AND AUTHORIZE YOU TO CHECK MY CREDIT AND VERIFY THE ABOVE INFORMATION PROVIDED IN THIS FORM. I ALSO CERTIFY UNDER PENALTY OF PERJURY THAT THE SOCIAL SECURITY NUMBER PROVIDED ABOVE IS CORRECT AND THAT I AM NOT SUBJECT TO BACKUP WITHHOLDING UNDER THE INTERNAL REVENUE CODE. I UNDERSTAND THAT ADDITIONAL INFORMATION MAY BE REQUIRED BEFORE A DECISION CAN BE MADE REGARDING THIS UPDATE I FURTHER AGREE TO RETURN ANY ACCESS DEVICE FOR OBTAINING FUNDS FROM ANY TYPE OF ACCOUNT UPON DEMAND BY MY LOCAL CREDIT UNION.
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Copyright © 2005 - Credit Union National Association, Inc.

CUNA

This is one of many scams and as indicated before, this page looks authentic but it is not.  Remember, if you receive an e-mail requesting your personal information always contact the sending agency to verify its authenticity.  For more information on Identity theft you can go to 

 http://www.ftc.gov/bcp/edu/microsites/idtheft/