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Identity Theft
Prevention Tips

Security Alerts

Security Alerts

Fraudulent Lottery Scams

First National Bank advises you that there is another lottery scheme out there using our information. A sample of the check is below. Names and addresses have been changed or marked out to protect identities. Please be advised that these checks are counterfeit and should not be negotiated. We do not have any relationship with lotteries of this type.



IRS Warns of New E-Mail and Telephone Scams Using the IRS Name

Some people have received phone calls about the economic stimulus payments, in which the caller impersonates an IRS employee. The caller asks the taxpayer for their Social Security and bank account numbers, claiming that the IRS needs the information to complete the processing of the taxayer's payment. In reality, the IRS uses the information contained on the taxpayer's tax return to process stimulus payments, rather than contacting taxpayers by phone or e-mail.

An e-mail claiming to come from the IRS about the "2008 Economic Stimulus Refund" tells recipients to click on a link to fill out a form, apparently for direct deposit of the payment into their bank account. This appears to be an identity theft scheme to obtain recipients' personal and financial information so the scammers can clean out their victims' financial accounts. In reality, taxpayers do not have to fill out a separate form to get a stimulus payment or have it directly deposited; all they had to do was file a tax return and provide direct deposit information on the return.

 

FBI Warns of Rise in Phone-Based Scams

New threat: Phishing attempts that ask the victim to call their bank to reactivate a credit card, then provide a false phone number.

With consumers finally getting wise to phishing attacks, scammers are hitting the phones.

The U.S. Federal Bureau of Investigation's Internet Crime Complaint Center (IC3) warned Thursday that so-called "vishing" attacks are on the rise. These are scams where criminals send an e-mail or text message to a victim, saying there has been a security problem and the victim needs to call his or her bank to reactivate a credit or debit card.

"Upon calling the telephone number, the recipient is greeted with 'Welcome to the bank of ...' and then [is] requested to enter their card number in order to resolve a pending security issue," the IC3 said in its alert.

In the past few years, inexpensive VoIP (Voice over Internet Protocol) technology and open-source call-center software has made it inexpensive for scammers to set up phony call centers, paving the way for these new types of scams. Security experts say that vishing can be more effective than traditional phishing techniques -- which direct victims to fake Web sites -- because the voice-based attacks have not been as widely publicized.

A new vishing scam involves sending text messages to cell phones, instructing victims to contact the fake online bank to renew their accounts, the IC3 said.

Those who are unsure whether they have been targeted by this scam should look up the bank's phone number and call the bank directly, the IC3 advises.

Operated in partnership with the FBI and the National White Collar Crime Center, the IC3 is a clearing house for Internet crime complaints.


Pretext Calling and Identity Theft.

Pretext calling is a fraudulent means of obtaining an individual's personal information. Pretext callers may contact financial institution employees, posing as their customers, in order to access customers' personal account information. These callers may also contact consumers at home, posing as employees from a financial institution. Information obtained from pretext calling may be sold to debt collection services, attorneys, and private investigators for use in court proceedings. Identity thieves may also engage in pretext calling to obtain personal information for use in creating fraudulent accounts.

Steps you should take to protect yourself against identity theft and pretext calling include:

Do not give personal information, such as account numbers or social security numbers, over the telephone, through the mail, or over the Internet unless you initiated the contact or know with whom you are dealing.

Store personal information in a safe place and tear up old credit card receipts, ATM receipts, old account statements, and unused credit card offers before throwing them away.

Protect your PINs and other passwords. Avoid using easily available information like your mother's maiden name, your birth date, the last four digits or your social security number, your phone number, etc.

Carry only the minimum amount of identifying information and the number of credit cards that you need.

Pay attention to billing cycles and statements. Inquire of the bank if you do not receive a monthly bill; it may mean the bill has been diverted by an identity theif.

Check account statements carefully to ensure all charges, checks, or withdrawals were authorized.

Guard your mail from theft. If you have the type of mailbox with a flag to signal the box contains mail, do not leave bill payment envelopes in your mailbox with the flag up. Instead, deposit them in a post office collection box or at the local post office. Promptly remove incoming mail.

Order copies of your credit report from each of the three major bureaus once a year to ensure they are accurate. (A fee may apply)

If you prefer not to receive pre-approved offers of credit, you can opt out of such offers by calling 1-888-5-OPT OUT.

If you want to remove your name from many national direct mail lists, send your name and address to:

DMA Mail Preference Service
P.O. Box 9008
Farmingdale, NY 11735-9008

If you want to reduce the number of telephone solicitations from many national marketers, send your name, address and telephone number to:

DMA Telephone Preference Service
P.O. Box 9014
Farmingdale, NY 11735-9014


PIN Reversal Hoax at ATMs

There has been information sent via the internet outlining a safety feature at the ATM known as "PIN reversal." This information stated that a cardholder could enter their PIN in reverse order at an ATM to signify a dangerous situation such as a robbery. In turn, this "PIN reversal" should contact police personnel to assist you.

This is FALSE. This PIN reversal technique is not used at any of FNB Newtown's ATMs. Please review the ATM safety tips listed at the bottom of these alerts.

January 2007 - Potential Visa® Check Card Compromise

First National Bank of Newtown has been notified of a potential Visa® Check Card compromise involving a third party retail corporation. To protect our customers, we have made the decision to issue NEW Visa® Check Cards to all of our cardholders who had debit account information that MAY have been part of this compromise. Please review the following for additional information.

First National Bank of Newtown was recently notified that certain card account information may have been compromised at a third party location. This may have included your Visa® debit card account number. Because ensuring your security is top priority for us, we are taking the proactive step of re-issuing your current Visa® debit card.

It is very important that you follow these steps once you receive your new card:

  1. Activate your new card immediately by using your PIN number in any ATM or Point of Sale terminal.
  2. Destroy your old card.
  3. Be sure to contact any merchants you have set up to automatically debit your debit card (health clubs, cellular phone, Internet Service Provider, etc.) as soon as possible to avoid any disruption in service.

This change will not affect your account number or any other accounts linked to your card. If your old debit card was enrolled in our Points 2U program, your new card will automatically be enrolled and your point balance will remain the same.

Your old card will be canceled no later than 02/28/07.

You can protect yourself even further by following these steps:

  • Closely monitor your account. Double check monthly statements to ensure they match your records. If you see any discrepancies, please contact First National Bank of Newtown at wwwfnbn.com or (215) 860-9100 during business hours.
  • Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report.

First National Bank of Newtown and Visa take our obligations to protect the security and privacy of our customers very seriously. If you have any questions or concerns, please don't hesitate to give us a call at (215) 860-9100.

Public Warned about SOCIAL SECURITY E-mail Scam

Jo Anne Barnhart, Commissioner of Social Security, and Patrick O'Carroll, Jr., Inspector General of Social Security, issued a warning today about a new email scam that has surfaced recently.

The Agency has received several reports of an email message being circulated with the subject "Cost-of-Living for 2007 update" and purporting to be from the Social Security Administration. The message provides information about the 3.3 percent benefit increase for 2007 and contains the following "NOTE: We now need you to update your personal information. If this is not completed by November 11, 2006, we will be forced to suspend your account indefinitely." The reader is then directed to a website designed to look like Social Security's Internet website.

Once directed to the phony website, the individual is asked to register for a password and to confirm their identity by providing personal information such as the individual's Social Security number, bank account information and credit card information.

Inspector General O'Carroll recommends people always take precautions when giving out personal information. "You should never provide your Social Security number or other personal information over the Internet or by telephone unless you are extremely confident of the source to whom you are providing the information," O'Carroll said.

To report receipt of this email message or other suspicious activity to Social Security's Office of Inspector General, please call the OIG Hotline at 1-800-269-0271. (If you are deaf or hard of hearing, call the OIG TTY number at 1-866-501-2101). A Public Fraud Reporting form is also available online at OIG's website www.socialsecurity.gov/oig.

SSA Press Office 440 Altmeyer Building 6401 Security Blvd. Baltimore, MD 21235 410-965-8904 FAX 410-966-9973

Fraudulent Lottery Scams

First National Bank advises you that there is another lottery schemes out there using our information. A sample of the letters and checks are below. Please be advised that these checks are counterfeit and should not be negotiated. We do not have any such clients and do not have any relationship with lotteries of this type.


Click here to see the letter that accompanied this check

Banking Department Urges Caution when Cashing Cashier's Checks
from People You Don't Know

There have been an increasing number of Pennsylvanians reporting that they are being defrauded by counterfeit cashier's checks.

In general, the fraud unfolds like this: A consumer is part of a fairly large financial transaction with someone who generally says that they live outside of the United States. The types of transactions that have been reported include payments for large items purchased through online auctions, deposits for apartments, and fees for nanny services, for example.

The so-called "buyer" sends an official-looking cashier's check to pay for the service. The consumer, then, takes the check to the bank and cashes it.

There are two ways the scam can unfold: In the first, the buyer sends a check for well over the amount of the purchase (with some excuse about why) and asks the consumer to immediately refund the difference once they've cashed the check. In the second, the buyer waits a day or two (but only a very short time) and makes some excuse for canceling the transaction and asks the consumer to wire all of the money back.

A similar scam suggests that the consumer has ''won'' a lottery or other prize but must send some of the proceeds of the check back for some specific reason, like processing or taxes.

The counterfeit cashier's checks are such good reproductions that they're difficult to spot, even by experienced financial professionals. Despite the fact that the consumer's bank cashes the check, it will not be honored when the bank presents it to the ''issuing'' institution for payment. The bank then, requires the consumer to return the funds.

The problem is that, by the time the fraudulent check works its way through the banking system (which can sometimes take more than 30 days), the con-artist has already taken the consumer's money.

You can protect yourself by:

  • understanding that when cashing a cashier's check, even though the bank has provided you with the money, you are responsible for the funds until your bank has received the proceeds from the institution which originally issued the check
  • being cautious of transactions with people you don't know who purchase items via cashier's check
  • avoiding any situation where someone pays more than the purchase price of an item and demands that the extra money be returned
  • being suspect of any cashier's check that just shows up in the mail, especially if it has a ''congratulations'' letter attached
  • holding any funds provided by cashier's check from someone you don't know for 30 - 45 days before using those fund, especially when you have any sense that the transaction is out of the ordinary

If you believe that you've been the victim of this type of scam, please call the Pennsylvania Attorney General's office at (800) 441-2555, the U.S. Secret Service at (202) 406-5850, or the Pennsylvania Department of Banking at (800) PA BANKS.

FBI Fraud Alert Questionaire

First National Bank encourages you to review this questionaire about Fraud Scams. If you have any questions or can answer yes to any of the questions, please call us at one of our branches. Click here to see the questionaire

Fraudulent Lottery Scams

First National Bank advises you that there are two lottery schemes out there using our information. A sample of the letters and checks are below. Please be advised that these checks are counterfeit and should not be negotiated. We do not have any such clients and do not have any relationship with lotteries of this type.


Click here to see the letter that accompanied this check


Click here to see the letter that accompanied this check

Jury Duty Scam Leads to Identity Theft

Here's a new twist scammers are using to commit identity theft: the jury duty scam. Here's how it works:  The scammer calls claiming to work for the local court and claims you've failed to report for jury duty. He tells you that a warrant has been issued for your arrest. The victim will often rightly claim they never received the jury duty notification. The scammer then asks the victim for confidential information for "verification" purposes. Specifically, the scammer asks for the victim's Social Security number, birth date, and sometimes even for credit card numbers and other private information -- exactly what the scammer needs to commit identity theft.  So far, this jury duty scam has been reported in Michigan, Ohio, Texas, Arizona, Illinois, Pennsylvania, Minnesota, Oregon and Washington state.

It's easy to see why this works. The victim is clearly caught off guard, and is understandably upset at the prospect of a warrant being issued for his or her arrest. So, the victim is much less likely to be vigilant about protecting their confidential information.  In reality, court workers will never call you to ask for social security numbers and other private information. In fact, most courts follow up via snail mail and rarely, if ever, call prospective jurors.

Action: Never give out your Social Security number, credit card numbers or other personal confidential information when you receive a telephone call  This jury duty scam is the latest in a series of identity theft scams where scammers use the phone to try to get people to reveal their Social Security number, credit card numbers or other personal confidential information.

It doesn't matter *why* they are calling -- all the reasons are just different variants of the same scam.  Protecting yourself is simple: Never give this info out when you receive a phone call.

Fraudulent Emails Requesting Personal Information

Recently, many Americans have received a series of fraudulent e-mails, which direct recipients to websites where they are asked to verify sensitive personal information. The e-mails claim that the individual's personal information is necessary to assist in the fight against terrorism or for some other purpose supposedly required by law. These e-mails are purportedly sent from several government agencies or include content related to government agencies including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Securities Investor Protection Corporation and others. The websites to which the email recipients are directed are often very similar to, if not actual clones of official government sites.

The fraudulent e-mails are part of a scam known as "phishing." Phishing is the fraudulent scheme of sending an e-mail to a user falsely claiming to be a legitimate company. The email attempts to con the user into surrendering private information that could later be used for identity theft. The e-mail directs the user to visit a Web site where they are asked to update personal information, such as name, account and credit card numbers, passwords, social security numbers and other information. The Web site, however, is bogus and set up only to steal the user's information.

As part of the Treasury Department's efforts to fight identity theft, we want to assure Americans that federal financial agencies do not communicate with consumers by e-mail requesting important personal information such as your name, account numbers, date of birth and social security number.

Consumers can protect themselves from this latest identity theft scam by following these useful tips, which were developed by the Federal Trade Commission:

  • If you get an email that warns you, with little or no notice, that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the email. Instead, contact the company cited in the email using a telephone number or Web site address you know to be genuine.
  • Avoid emailing personal and financial information. Before submitting financial information through a Web site, look for the "lock" icon on the browser's status bar. It signals that your information is secure during transmission.
  • Review credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.
  • Report suspicious activity to the FTC. Send the actual spam to uce@ftc.gov. If you believe you've been scammed, file your complaint at www.ftc.gov, and then visit the FTC's identity theft web site (www.ftc.gov/idtheft) to learn how to minimize your risk of damage from identity theft.

The Treasury and federal financial regulators are working hard to combat identity theft including the use of new tools in legislation recently signed by President Bush. But all consumers must take reasonable precautions in the use of their personal financial information in order to help prevent themselves from becoming victims of identity thieves.

ATM Safety Tips: When Using An ATM…

  1. Be aware of your surroundings, particularly at night.
  2. Consider having someone accompany you when using the ATM after dark.
  3. If you observe or sense suspicious persons nearby, do not use the ATM at that time. Or, if you are in the middle of a transaction, cancel the transaction. Leave the area and come back another time or use an ATM at another location.
  4. If you are approached by any person who asks you to do them a "favor" or tries to draw you into conversation, cancel your transaction and leave the area. Report the incident to us as soon as possible.
  5. When using the ATM at night, park close to the ATM in a well-lighted area and always lock your car.
  6. If the lights on or around an ATM are not working, don't use it. Report it to us the next day.
  7. If you are using another financial institution's ATMs and shrubs or trees block the view, select another ATM.
  8. If you are using a drive-up ATM, be sure passenger windows and doors are locked.
  9. To keep your account information confidential, always take your receipts with you.
  10. Don't display any cash. As soon as you complete the transaction, pocket the money and count it later.
  11. Report all crimes to the police immediately.
  12. If your card is lost or stolen, report it to us immediately. Call 215-579-3400 Monday-Friday 8:30 am to 5:00 pm or 800-236-2442 after business hours.
  13. Be careful not to reveal your secret code (PIN). When you punch it in, use your body to "shield" the keyboard. Don't carry your personal identification number with your card, and never attach it to your card.
    Copyright © 1992 Bankers' Hotline.
    Originally appeared in Bankers' Hotline, Vol. 2, No. 11, 2/92

If you have any questions about these security and fraud alerts, please feel free to contact the bank at 215-860-9100.

 

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