It might not happen often, but sometimes your credit union may have the need to call you and talk to you about an issue with your account, a new promotion they have or some other business matter. Identity thieves know that you will take a call from your credit union seriously, and that you will be more likely to release sensitive information if you trust the entity on the other end of the phone line.
If you get a phone call from your credit union, here are a few steps you should take to ensure that you’re speaking to the credit union—not a thief trying to get your information—and to report the call.
- Call them back. If someone from the credit union calls you about a sensitive account matter and wants to confirm your social security number and other personal information, don’t give it to them during that phone call. Instead, hang up and call the number you have for the credit union and speak with customer service. If the person who calls you tries to tell you that it’s not possible for you to call them, or gives you a number you’re not familiar with, disregard that information and call the number you have on file. Explain the situation to the representative who answers and they will transfer you to the right department.
- Do not enter any numbers into an automated system. Sometimes, thieves will set up an automated system that asks you to enter credit card or account information over the phone. Because it’s electronic, and not a person, this can sometimes seem more official—but that’s not necessarily true. Once again, hang up the phone and call your credit union directly.
- Notify the Federal Communication Commission (FCC). When you contact your credit union and tell them about the call you got, they will let you know whether it was a real call or an attempt to phish for your personal information. If you find that it was phishing via telephone, complete a report with the FCC at http://www.fcc.gov/complaints