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Fraud/Identity Theft

Identity Theft Prevention

Keep Ahead of the Identity Thieves

There are simple precautions that will help keep your identity safe. Please review the latest fraud alerts to keep abreast of the "tricks" identity thieves are using. This information is provided to assist AFCU members in protecting themselves from identity fraud and other criminal activities. Review the links and information to learn how to protect your personal and financial information.

Inspect Your Credit

Credit reports contain information about you, including what accounts you have and your bill paying history. The law requires the major nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to give you a free copy of your credit report each year if you ask for it.

Visit AnnualCreditReport.com or call 877-322-8228, a service created by these three companies, to order your free credit reports each year. You can also write:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

 

Credit Reporting Agencies

Equifax: 800-525-6285 or www.equifax.com
Experian: 888-397-3742 -or www.experian.com
TransUnion: 800-680-7289 or www.transunion.com

Falcon Alert Helps Prevent Debit and Credit Card Fraud

AFCU subscribes to a state-of-the-art technology called Falcon, to help prevent potential debit and credit card fraud. Based on previous card usage, if a debit or credit card purchase looks suspicious, we'll try to contact you at your primary, secondary or alternate phone numbers to verify if the card was used by its rightful owner - or determine if the account has fallen into the wrong hands. If the account is being used fraudulently, we can prevent additional activity from occurring.

For Falcon to work, you may receive a call from an AFCU representative asking you about the purchase made with your AFCU VISA Debit Card, Platinum VISA Classic, VISA Secured Credit or Diamond Preferred Rewards VISA. We'll ask you to take a moment to verify your debit card or credit card account activity.

What You Can Do to Help

Because the Falcon system relies heavily on accurate contact information, it's important for members to keep that information current. Please keep AFCU informed of your current address and phone numbers. If you move or change your phone, you can call or log in to your account to update your address or phone numbers or add any additional contact phone numbers.

Traveling Out of the Area?

If you are planning to travel and use your AFCU debit or credit card in an area where you don't usually use your card, please take note of the following information. Contact AFCU that you are planning on traveling outside your area and provide us with the dates and locations that you plan on traveling to so that we can notify Falcon. It's best to have more than one method for spending and payments. Besides your AFCU debit or credit card, take an additional form of payment, such as traveler’s checks. Our Payment Solutions Department may not be able to contact you if you are in a foreign country for instance, and you want to make sure you have another method of payment if your card is temporarily blocked due to unusual activity. For more information, call 501-982-1000 or 800-456-3000 for more details.

Fraud Awareness Resources

Federal Trade Commission

Your National Resource for ID Theft

ID Theft Resource Center

A nonprofit, nationally respected organization dedicated exclusively to the understanding and prevention of identity theft.

Identity Theft Protection

Secure Your Identity. Secure Your Future.

AFCU also offers products and services to help protect you from fraud and scams. We have partnered with Merchants Information Solutions to offer you the highest quality identity theft solutions available in the market place today. Feel great knowing that once enrolled, you are covered by best-in-class fully-managed recovery. Enroll now!

The credit union also offers additional services that can help monitor the accounts to prevent fraud such as Mobile Alerts for both debit and credit cards; which are a free service to members of AFCU. You can choose what type of transaction you would like to be alerted for through a text to your phone.

AFCU does not ask our members for personal information. If you receive a phone call or e-mail that purports to be from AFCU and you are asked for account/member information, you should consider it to be a fraudulent attempt to obtain your personal account/member data for an illegal purpose. If you responded to such a phone call or e-mail and provided any confidential account information, please contact us immediately in central Arkansas at 501-982-1000 or toll-free 800-456-3000.

Top Scams of 2016

More than 100-million U.S. residents had their personal information stolen in 2015. Scam artists often trade this information on the black market to be used in illegal activities such as identity theft. The criminals obtain credit cards, fake mortgages for immediate cash advances and other types of loans in the victim’s name. Once a false identity is created, it’s very hard for an innocent victim to undo the damage that has occurred to their name. Often, it will take up to $10,000 in legal fees for someone to gain their true identity back.

Fake/Counterfeit Scam

There are many different companies that mimic actual websites that sell name brand items. Their attraction is selling popular items (which are counterfeit) at a reduced price to a very willing clientele. The company takes the person’s information and sells it on the black market. They may even send the counterfeit item to the person so that they are clueless to their identity being stolen.

Grant Scam

These scam artists pose as government officials that are offering an opportunity to gain grant money for a processing fee. This maybe through a fraudulent check being deposited and most of the funds are sent by money-gram to an individual and the victim is supposed to keep the rest. Unfortunately the checks come back and the victim is out all of those funds plus any fees.

Collection Agency Scam

These individuals claim to be a representative of a fictitious collection agency that is threatening a lawsuit unless the victim settles their current debt issues. They may state that if the victim does not pay, they will have a warrant out for their arrest.

Publishers Clearing House Scam

These scam artists claim to be from publishing clear house and inform the victim they have won, however require that the “winners” need to pay the sales tax first. They have the victim either money gram, wire, or send cashier checks to them.

If you are aware of scam or a potential scam or fraud, please report it to the Arkansas Attorney General’s office of Consumer Protection through their hotline at 800-482-8982.

Fraud Alerts

On a daily basis there are multiple attempts to gain personal information by identity thieves; e-mail fraud attempts, known as "Phishing" are often sent to large lists of people, expecting that some percentage of the recipients will actually have an account with the real organization. This false e-mail asks for the recipient to click on a link to verify their information. If the recipient proceeds to do so, the link directs them to a false website and asks for their personal account/member number, PIN, along with other personal information.

Information contained within this page is provided to assist AFCU members in protecting themselves from identity theft/fraud and other criminal activities. Review the links and information to learn the most recent/common attempts to gain your personal information and how to protect yourself against the Identity Thieves.

Reported Scams:

03/22/2016

There is a massive phishing scam that looks like it comes from TurboTax. The email tries to make you click on a link to "opt out" of sharing your personal information with others. The email is a scam, if you click on the link it will download key logger malware which will steal your identity from your computer or phone. Remember the following things:

  • Always have your Internet Security software updated, but do not rely on it.
  • Always keep all of your software up to date with the latest patches, computer and phone.
  • Never click on links in emails or text messages unless you are sure it's legit. For instance, if you want to go to TurboTax, visit their website directly by typing their address in your browser.
  • Think Before You Click! Always take a second to ask yourself if this might be a scam.

01/11/2016

We have received reports of members and non-members receiving text messages and emails that say they are from AFCU and that their AFCU/ ATM card is blocked. THIS IS A SCAM. The text messages have links that go to hortensiagardens.com/acc.arkansas.fcu.html and welt.gebanken.de/accountarkansas.fcu.chtml. Do not click on these links.

If you clicked on these links, we suggest you take your device to a trusted professional to make sure your device has not been compromised. If you are an AFCU member and clicked on this link and provided any personal information, call us immediately. We will go through the steps necessary to keep your account safe.

09/08/2015

We have received reports of members and non-members receiving text messages that say they are from AFCU and that their ATM/card has been compromised or they have an important message from the security department. THIS IS A SCAM. The text messages have links that go to nextcrew.net/arkansascreditunionsupport.info.html, burgislaw.com/A1.AR.F.creditunion.info.html, maimportfood.com/d.arkansascredit.union.info.html, and lihomemedcare.com/txtalert.ark.fed_creditunion.html. Do not click on these links.

If you clicked on these links, we suggest you take your device to a trusted professional to make sure your device has not been compromised. If you are an AFCU member and clicked on this link and provided any personal information, call us immediately. We will go through the steps necessary to keep your account safe.

02/05/2014

We have received reports of a fraudulent email circulating regarding American Express cards not present at transaction. THIS IS A SCAM. If you receive the following email, delete it. Then permanently delete it from deleted items folder. Most importantly, DO NOT click on the link. The email reads:

Subject: Account Alert: Card Not Present Transaction

Log in to view your activity American Express logo Irregular Card Activity American Express Card

Your account was used to make a purchase, however the Card was not presented to complete the transaction. This is usually the case with purchases made online or over the phone. If you do not recognize this transaction, please click here or visit our website [link removed].

View Account Make a Payment Manage Alerts Preferences Card Not Present Card Not Present View Account

Your account was used to make a purchase, however the Card was not presented to complete the transaction. This is usually the case with purchases made online or over the phone. If you do not recognize this transaction, please click here or visit our website [link removed].

Transaction date: Thu, Dec 05, 2013Purchase Amount: $7,747.04Merchant Name: APPLE WEB STORE

Note: Amounts have been rounded up to the nearest dollar. Thank you for your Card Membership.American Express Customer Care

If you'd like to stop receiving this alert, simply click here.

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01/08/2014

Text Message Scam Alert: We have received alerts of individuals in the area receiving text messages stating their account is frozen and it provides a phone number to call. Once the individual calls the number provided they are immediately asked to provide their social security number. THIS IS A SCAM.

If you receive one of these text messages delete it immediately. Do not reply to the messages and do not call the phone number listed in the

Don’t give out any personal information in a text messages or over the phone. Spammers may want access to your Social Security number, credit card numbers, and bank and utility account numbers so they can open new accounts in your name.

Report these spam text messages to your wireless carrier. AT&T, T-Mobile, Verizon, Sprint, or Bell subscribers can copy the original text message and forward it to 7726 (SPAM), free of charge. Also be sure to review your cell phone bill for any unauthorized charges and report the charges to your carrier.

If you suspect that you're a victim of fraud, call us immediately at 501-982-1000 or 800-456- 3000.