Whether you are contacted by mail, phone or email, it is not Texans' practice to contact members unsolicited and ask for personal or financial information. If you are contacted by an entity claiming to be Texans who is requesting this type of information, do not respond and contact Texans immediately at 800.843.5295.
For information on the latest scams, read the postings below.
Some members have received a text message that claims to be from Texans CU. In the message, it asks for the member's debit card and/or account number. If you receive a similar message, please do not call or text the number back, and do not visit any links given. The number may direct you to the Texans CU call center, leading you to believe the text message is legitimate. However, Texans CU would never contact you via text message and ask for your personal information. This is a phishing scam in the form of a text message (known as SMSishing). You can contact our Fraud Department at 972.348.2000 to verify your card and accounts are safe.
A Texas credit union has recently learned that a scammer is using its name as part of a mystery shopping scam. A number of consumers across the country received an unsolicited offer via email informing them that they could earn a specific dollar amount per week working as a "secrety shopper." Those that responded were informed they would receive a packet in the mail with additional information, including survey instructions, an evaluation form, and an authentic-looking cashier's check supposedly from a credit union in the amount of $2,070. The shopping assignments included an evaluation of Wells Fargo and Western Union.
The cashier's checks that are provided are counterfeit checks. Please be advised that legitimate mystery shop companies do not pay participants in advance. Myster shoppers are normally paid after they complete an assignment. Please be aware of any unsolicited opportunities that you receive. You can always call the institution that is supposedly paying for the assignment to verify the legitimacy of the offer.
An automated call states "Fraud alert from Texans Credit Union 888-997-1234". The recorded message goes onto say, "You account has been frozen due to fraudulent activity. To unlock it, please respond to this call...", at which time the automated operator will ask for your 16-digit account or debit card number.
Texans CU Members: If you have received this call and responded with your card or account number, please contact our Fraud Department immediately at 972.348.2000.
Non-Texans CU Members: If you have received this call and responded with your card or account number, please call your financial institution immediately to report it.
Some members have received a text message from an out-of-area phone number, 330-754-3399, that claims to be Texans CU. In the message, it states that the member's debit card has been suspended and the member needs to visit a website to reinstate the card - the website in one instance was listed as http://abc4c.divli.com/activate, but can be vary for different members. If you receive a similar message, please do not call or text the number back, and do not visit the website link given. Texans CU would not contact you via text message or ask you to re-activate your card through a site like this. This is a phishing scam in the form of a text message (known as SMSishing). You can contact our Fraud Department for verification that your card and accounts are safe - 972-348-2000.
Members have reported receiving a text message that claims their debit and/or credit card has been deactivated. If you receive such a text message (see below) claiming to be from Texans CU, do not respond or call the number listed. This is a phishing scam in the form of a text message (known as SMSishing). You can contact our Fraud Department for verification that your card and accounts are safe - 972-348-2000.
The NCUA reports that there have been automated phone messages setup by scammers, which claim to be from NCUA and alerting members that their debit card has been deactivated. The call goes onto instruct the listener to press 1 on their phone and enter the 16-digit card number to reactivate it. This is not a call from NCUA, and if you receive such a call or message, please contact NCUA's Fraud Hotline toll-free at 1-800-827-9650.
For more information, visit the NCUA News Now page.
Texans has been notified of a scam involving individuals attempting to obtain member credit card numbers, expiration dates, and electronic signatures. In cases reported to the NCUA, the perpetrator(s) sent fraudulent emails, claiming to be from the NCUA, to credit union members and the general public. These spurious emails state that the NCUA will add $50 to the member's account for taking part in a survey. The link embedded in the message directs members to a counterfeit version of the NCUA's website with a fraudulent survey that solicits credit card numbers and confidential personal information.
NCUA does not ask credit union members or the general public for personal account or personally identifiable information as part of a survey. Any email that alleges to be from NCUA and asks for account information is fraudulent and should be treated as suspicious.
The NCUA has taken steps to shut down the fraudulent site; however, credit union members should remain alert to possible variations of this fraudulent email. If you have received this or any other suspicious email or phone call, do not respond and contact us at 800.843.5295.
Texans has been notified of a scam involving fraudulent emails and telephone calls directed at the general public and credit union members. These false emails claim to be sent from NCUA and ask recipients to click on a link to confirm, verify or approve financial account information. If the recipient proceeds, the link directs them to a false website to verify or re-submit confidential information such as account and credit card numbers, Social Security number, password, and personal identification number, or to complete a member satisfaction survey and receive $80.
A variant, “vishing” scam uses telephone systems. A vishing scam occurs when a consumer receives a recorded message telling them a credit card and/or financial institution account has been breached and to immediately call a number provided in the message. The phone number leads the consumer to a fraudulent call center where people are asked to supply or verify pertinent financial account, Social Security or credit card information.
NCUA does not ask credit union members for personal information. Anyone who receives a supposed email or phone call from NCUA that asks for account information should consider it a fraudulent attempt to obtain their personal account data for an illegal purpose and should not follow the instructions in the email or phone call.
If you have inadvertently responded and provided confidential account information, please notify Texans Credit Union immediately at 800.843.5295 or 972.348.2000. You should change affected accounts and PIN’s, and take any additional action recommended by Texans to protect your account.
As always, if you receive a suspicious phone call, letter or email, please contact Texans immediately at 800.843.5295 or 972.348.2000.
If you feel that you have received a fraudulent NCUA phishing email, please forward the entire email message to Phishing@ncua.gov.
You can also file formal complaints concerning any suspected fraudulent emails with the Internet Crime Complaint Center (IC3) at www.ic3.gov. The IC3 is a partnership between the Federal Bureau of Investigation, the National White Collar Crime Center, and the Bureau of Justice Assistance.
Texans has received notice from members and non-members regarding a new text message vishing scam. In these fraudulent messages, recipients are asked to reactivate their credit cards by calling a number provided. The intent of this scam is to steal a recipient's personal information in order to commit fraud using the card number. The text message may also request the recipient's PIN number as well as the name on the card. In some versions of the scam, Nextel, T-Mobile and AT&T subscribers have received messages allegedly from financial institutions stating that their account has been temporarily frozen and to call one of a group of phone numbers purportedly from CU of Texas, Resource One or Legacy Texas.
Important: If you have received such a text, do not respond. Neither Texans Credit Union nor the above referenced financial institutions have initiated these texts and it is a scam to obtain information for fraudulent purposes.
If you are contacted by an entity claiming to be from Texans who is requesting this type of information, do not respond and contact Texans immediately at 972.348.2000 or 800.843.5295.
Texans has received notice that a vishing scammer has been targeting members and non-members through a text message. The text message reads:
From: Texans Credit Union
Subject: Texans Credit Union Notice
Text: All Texans Credit Union cards recently updated with a new security enhancement, to reactivate your card please call us at 214-975-9484.
When the phone number is called, the victim hears:
The victim then hears:
Important: This is a scam and has not been initiated by Texans Credit Union. Texans has taken action to have this fraudulent phone number shut down.
In order to ensure the privacy and security of your personal information, we ask all members who receive this or any suspicious message not to respond to it. Texans NEVER solicits personal or financial information via text messaging.
Several Texas community banks have been the target of a particularly disturbing scam. Here is how it is perpetrated:
Various regulatory authorities have been alerted to this scam and working to address it and bring the perpetrators to justice.
Genuine cashier's checks issued by a financial institution are good funds. However, counterfeit checks often look as good as real ones. Counterfeit cashier's checks have become a common method of committing fraud.
Each scam involving a fraudulent cashier's check may be different, but some of the more common scenarios are:
Scams can also be conducted with personal checks. For example, a fraudulent check may appear to be written on the account of a real person or company or be written on an account that contains insufficient funds to cover the check. Other scams involve fraudulent postal service money orders or fraudulent money orders that appear to have been issued by a financial institution.
The result of these scams is that the fraudulent check will be returned unpaid. The financial institution will then deduct the amount of the check from your account or otherwise seek repayment from you, and you will lose either the goods that you sold, the money that you sent to the third party, or both.