Answering these text messages could lead to empty bank accounts

CONSUMER FORUM

Posted Sept. 19, 2016, at 9:55 a.m.
gone-phishing

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Customers at some Maine banks and credit unions have been receiving fraudulent text messages. The messages are from scammers falsely claiming that there’s a problem with the customer’s account or debit card.

You can guess at the rest. There are frantic-sounding instructions to click on a link or phone number contained in the message. Failure to do so will cause some horrendous problem with the account, card or the customer’s credit rating.

The fix is easy, says the text. Just type in your account or card information and any passwords that you can remember. The sender will take care of everything — like emptying your account or running up bogus charges.

The message seems to come from a customer’s financial institution. On its website, the Maine Credit Union League said members of at least two credit unions in eastern and central Maine appear to have been targeted.

The phony text message said their debit cards had been compromised and to call either 844-334-6152 or 844-611-0709. People who called either number were asked for their card numbers and CVV codes. Divulging that or other personal or financial information is a bad idea.

The superintendent of Maine’s Bureau of Financial Institutions says consumers should not fall for the hoax.

“Banks and credit unions will not text, call or email customers asking them to divulge account numbers, PINs or Social Security numbers,” Lloyd LaFountain III said.

LaFountain said if a consumer believes he or she has received a scam text, the consumer should:

— Not return the text or call the number provided.

— Never provide personal or financial information following such a request. Banks and credit unions will never request personal account information that way.

The Bureau of Financial Institutions has a consumer library containing hints about spotting and avoiding financial scams. There’s also a consumer specialist on staff who can answer questions about scams or accounts in general.

If you’re unsure after receiving an unsolicited email, call someone at the bureau, instead of clicking on anything in the message. The bureau’s phone number is 207-624-8570, and its website is maine.gov/pfr/financialinstitutions/index.shtml.

Maine’s Bureau of Consumer Credit Protection has published the Downeaster Common Sense Guide: Gone Phishing. It also contains tips to detect and avoid scams.

Find it online at Credit.Maine.gov; it’s listed under “Consumer Guides.” Call the bureau (1-800-332-8529) with any questions about protecting your credit.

The Federal Trade Commission also has a wealth of information on its website. Learn about phishing and other scams at consumer.ftc.gov/scam-alerts.

Consumer Forum is a collaboration of the Bangor Daily News and Northeast CONTACT, Maine’s all-volunteer, nonprofit consumer organization. For assistance with consumer-related issues, including consumer fraud and identity theft, or for information, write Consumer Forum, P.O. Box 486, Brewer, ME 04412, visit https://necontact.wordpress.com or email contacexdir@live.com.

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