This page will help to keep you up to date on current banking scams.
The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of fraudulent e-mails that have the appearance of being from the FDIC.
The e-mails appear to be sent from various "@fdic.gov" e-mail addresses, such as "firstname.lastname@example.org," "email@example.com," or "firstname.lastname@example.org."
They have subject lines that read: "FDIC: Your business account" or "FDIC: About Your Business Account."
The e-mails are addressed to "Business Customer" or "Business Owner" and state "We have important information about your bank" or "…financial institution." They then ask recipients to "Please click here to find details."
They conclude with, "This includes information on the acquiring bank (if applicable), how your accounts and loans are affected, and how vendors can file claims against the receivership."
These e-mails and the link included are fraudulent and were not sent by the FDIC. Recipients should consider the intent of these e-mails as an attempt to collect personal or confidential information, or to load malicious software onto end users' computers. Recipients should NOT access the link provided within the body of the e-mails and should NOT, under any circumstances, provide any personal financial information through this media.
Financial institutions and consumers should be aware that other subject lines and modifications to the e-mails may occur over time. The FDIC does not directly contact consumers in this manner nor does the FDIC request personal financial information from consumers.
For your reference, FDIC Special Alerts may be accessed from the FDIC's Website at http://www.fdic.gov/news/news/SpecialAlert/2011. To learn how to automatically receive FDIC Special Alerts through email, please visit http://www.fdic.gov/about/subscriptions/index.html.
Questions related to federal deposit insurance or consumer issues should be submitted to the FDIC using an online form that can be accessed at http://www2.fdic.gov/starsmail/index.asp.
Distribution: FDIC-Supervised Banks (Commercial and Savings)
Paper copies of FDIC Special Alerts may be obtained through the FDIC's Public Information Center, 1-877-275-3342 or 703-562-2200).
Cell Phone Text Scam
Don't believe a cell phone text message saying there's a problem with
your bank account, said the
Delaware Attorney General's office in a consumer alert.
You receive a text message or an automated phone call on your cell phone saying there’s a problem with your bank account. You’re given a phone number to call or a website to log into and asked to provide personal identifiable information—like a bank account number, PIN, or credit card number—to fix the problem.
But beware: It could be a “smishing” or “vishing” scam…and criminals on the other end of the phone or website could be attempting to collect your personal information in order to help themselves to your money. While most cyber scams target your computer, smishing and vishing scams target your mobile phone, and they’re becoming a growing threat as a growing number of Americans own mobile phones. (Vishing scams also target land-line phones.)
“Smishing”—a combination of SMS texting and phishing—and “Vishing”—voice and phishing—are two of the scams the FBI’s Internet Crime Complaint Center (IC3) is warning consumers about as we head into the holiday shopping season. These scams are also a reminder that cyber crimes aren’t just for computers anymore.
Here’s how smishing and vishing
scams work: criminals
set up an automated dialing system to
text or call people in a
particular region or area code (or sometimes they use stolen customer
phone numbers from banks or
credit unions). The victims receive messages like: “There’s a problem
with your account,” or “Your
ATM card needs to be reactivated,” and are directed to a phone number or
website asking for personal information. Armed with that information,
criminals can steal from victims’
bank accounts, charge
purchases on their charge cards, create a phony ATM card, etc.
Sometimes, if a victim logs onto one of the phony websites with a smartphone, they could also end up downloading malicious software that could give criminals access to anything on the phone. With the growth of mobile banking and the ability to conduct financial transactions online, smishing and vishing attacks may become even more attractive and lucrative for cyber criminals.
Here are a couple of recent smishing case examples:
Internet Banking Login