Fraud Alerts & Scams
In addition to the helpful tips posted on this site to educate and protect members against scams and fraudulent activities, SCCU will also periodically add special alerts and warnings regarding current scams.
If you are unsure about any type of request for financial information, please contact SCCU directly to confirm the validity of the message before sending money or releasing any information.
Recent Warnings and Alerts Include:
November 26, 2019 - Beware of Medicare Open Enrollment Scams
The open enrollment period for changing Medicare Advantage and Part D prescription plans ends December 7. While Medicare-related fraud is a year-round concern, Medicare recipients should be especially alert for fraudsters during open enrollment, when scammers use the increased public attention about Medicare choices as an opportunity to strike. Take precautions to avoid becoming a victim of identity theft or Medicare fraud by guarding your Medicare number — and other personal information. Shop and compare plans to ensure you are getting the plan that best meets your needs, and don’t fall for high-pressure sales pitches.
Tips to avoid scams:
- Never give your Medicare number or other personal information to an unexpected caller or someone who makes an unsolicited request for it.
- Be suspicious of anyone who calls and claims to be able to help you sign up for coverage but needs to confirm your Medicare number, or asks for your Medicare number just to provide you enrollment information.
- If a caller says they’re from Medicare and asks for your Medicare number or other personal information, hang up. The Center for Medicare and Medicaid Services will never call to ask for or check Medicare numbers.
- Don’t trust caller ID. Scammers use technology to hide their real numbers and instead show numbers that seem legitimate. If caller ID shows a 202-area code or says “government,” it could be anyone calling from anywhere.
- Don’t respond to a telemarketing call relating to Medicare. Hang up on robocalls or other telemarketing calls pitching insurance plans.
- Anyone who tries to sell you Medicare insurance while claiming to be an “official Medicare agent” is a scammer. There are no Medicare representatives. If someone comes to your door claiming to be from Medicare, remember Medicare does not send representatives to your home.
- Ignore anyone who calls saying you must join their prescription plan or you will lose your Medicare coverage. The Medicare prescription drug plan (also known as Part D) is completely voluntary.
- Be alert for mailers that appear to be government communications but are actually advertisements for private companies. These mailers will sometimes have a disclaimer, but it is buried in small print. Read carefully!
If you need help with Medicare, call 800-MEDICARE or visit the Medicare website.
Michigan consumers can also call 800-803-7174 for the Michigan Medicare/Medicaid Assistance Program if you suspect a potential scam or need help making a health benefit decision.
July 19, 2019 - Capital One Data Breach
What kind of data was compromised?
Credit scores, credit limits, balances, payment history and contact information were compromised. Also, fragments of transaction data "from a total of 23 days during 2016, 2017 and 2018" were vulnerable. Although Capital One said no credit card numbers or log-in credentials were compromised, about 140,000 Social Security numbers of credit card customers were left vulnerable, as well as 80,000 linked bank account numbers of secured credit card customers.
How can I find out if I was affected?
Capital One said it will notify customers affected by the breach "through a variety of channels."
How do I protect myself?
Everyone affected by the breach will receive free credit monitoring and identity protection provided by Capital One.
Be sure to check credit cards you may have with other major retail stores that have Capital One as their issuer.
Meanwhile, customers can choose to freeze their credit, which you must do at all three credit bureaus: Equifax, Experian and TransUnion. This prevents lenders from pulling your credit report, which would stop criminals from opening a new account. The process is free, and won't impact your credit score. If you do need to open a new account or complete other activity involving your credit report, you'll need to unfreeze it first. You can also request a free copy of your credit report once every 12 months from each of the three national credit reporting agencies as well. Once you receive your reports, review them for suspicious activity, such as inquiries from companies you did not contact, accounts you did not open, and debts on your accounts that you did not authorize.Verify the accuracy of your Social Security number, address(es), complete name and employer(s). Notify the credit bureaus if any information is incorrect in order to have it corrected or deleted.
- Equifax: 1-800-525-6285; Equifax Information Services LLC, P.O. Box 105069, Atlanta, GA 30348-5069
- Experian: 1-888-EXPERIAN (397-3742); P.O. Box 9532, Allen, TX 75013
- TransUnion: 1-800-680-7289; Fraud Victim Assistance Department, P.O. Box 2000, Chester, PA 19016
Keep track of credit card statements in case any fraudulent charges pop up. Also, change your passwords on those accounts. If you've used similar passwords on other accounts, you should change those, too.