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Card Deactivated Scam

Reported to the Nebraska Credit Union League, by Darrin Englemann at Omaha Police Federal Credit Union, 3003 S. 82nd Ave., Omaha, NE, 68124, Phone Number 402-391-4040.

Credit union members are being targeted by a scam aimed at tricking them into revealing their debit and credit card information.  Members are reporting that they receive official-sounding text messages that supposedly come from their credit union.  The texts inform the recipients that "Your debit card (or credit card) has been deactivated." They are then asked to provide their debit or credit card number, PIN and expiration date.  Specifically the scam on Tuesday, November 16th , reported by Omaha Police FCU read, “FCU ALERT:  Your CARD starting with 4115 has been DEACTIVATED.  Please call 402-210-2280.”

The messages appear to be blanketing the region at random.  Consumers are urged to be extremely cautious of any message or e-mail that requests credit or debit card information, or any other sensitive personal information. These contacts often are scams perpetuated by people looking to commit identity theft.  Financial institutions never request information in this way.

What is a vishing scam? 

A vishing scam is the latest scam that careful consumers, and essentially anyone who possesses a credit card and cell phone needs to know about in order to avoid getting scammed. In particular, the vishing scam is a way to elicit either banking or credit card information from someone, which may then be used against the person. Vishing scam operatives want access to this information so they can gain access to credit cards or bank accounts and clean people out.

 The typical vishing scam makes use of voice over Internet protocol (VoIP), which allows people to talk over their computer lines, and can allow for multiple dialings of numbers at the same time. Scammers may work from a list of regional phone numbers or even from a phone book, but what they mainly do is call everyone they can and leave an automated message saying the person's credit card or account has been compromised, depleted or closed. When this process is done by email, it's called phishing, instead of vishing.

 People who are left a message are given instructions to call a number to get more information about this alleged compromise. Scammers often use toll free numbers for this purpose and may even have, for people with caller ID, the legitimate name of the company that is supposedly calling. When people call the number, they're instructed to dial in their credit card number or bank account number, and even sometimes information like personal identification numbers (PINs), or their social security number. Once this information is obtained, callers may speak to a person posing as a "representative" or they may never get to a representative, and are placed on hold. Meanwhile, the damage is done and the scammers may then use information to steal money or credit card numbers.

 Essentially, it's pretty easy to avoid a vishing scam or one conducted by email, and now commonly through text messaging on cell phones. Instead of calling the number listed, locate your financial institution account telephone number or your credit card phone number and call that number instead. If you're being vished, a financial institution or credit card company can tell you this immediately by letting you know that there has been no illegal activity on your account or any security compromise of your account. These scams can seem very real though, because they often contain warnings about not divulging your personal information, which may make a potential target feel the company calling, texting or emailing is protecting his/her interests.

 The main thing to remember is to never call the number listed on any potential vishing scam calls. This will not take you to your bank or credit card company, and if you give out your information you're likely to have it stolen. People are naturally worried if they hear the security of one of their accounts may have been compromised, but it will only take a few minutes to find the legitimate number of the "supposed" business that is calling you. You can also do your part by making sure that the bank or company is aware you've been vished.

 

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    Comments

    March 14th 2013

    Edna - This is starting again. I received an automated call in Pueblo, Colorado on 3/14/13 and hung up. When I tried to call back it simply read unknown and would not back dial. I called the bank and gave them the information and requested an account check. Thankfully, all is well but this sounded exactly like the usual electronic notification of low balance or unusual account activity.

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    May 20th 2013

    Wolf - Hitting in Central Florida also "RB ALERT: Your card starting with 4355 has been DEACTIVATED. Please call 352-274-9332. THis is being sent by SMS text message to cell phones. This one came in 05/20/2013 in the Ocala, Florida area.

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    May 21st 2013

    MusicCity - This literally just happened to me. Same as Wolf said except it was a 1(501)681-7683 number that text me and it told me to call a 1(615)301-8561 number this is in the Nashville, Tennessee area. This happened today 5/21/3013

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    July 11th 2013

    Me - CARD SERVICES ALERTS: Your DEBIT-CARD has been DEACTlVATED. PLEASE CALL (205)451-9149.

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    July 11th 2013

    Me - Also: mine came from the Birmingham, AL area

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    August 6th 2013

    BOB - IT HAPPENED TO US LAST NIGHT...IT SAID YOUR CARD HAS BEEN DEACTIVIATED...WHEN WE TRIED TO CALL THE NUMBER BACK IT SAID THE NUMBER YOU ARE TRYING TO REACH IS NO LONGER IN SERVICE...IT WAS A DALLAS TEXAS AREA CODE.....

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    August 24th 2013

    Ruth - Eastern Colorado. Automated phone message from 2129, "Your credit card with X credit union has been deactivated. Press 1 now to be transferred to a customer service rep to reactivate it" or something like that.

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    September 3rd 2013

    Mare - Just got a call like this on my cell phone a few days ago... "Private Caller" is what showed on caller ID. I immediately knew it was a scam because I never EVER use my cell number for online stuff or business activities of any sort. (I Only give it to family or friends). I didn't think to take down the number the robotic voice was telling me to call. But I will next time. I suggest calling your bank/s and letting them know they are working this scam in your calling area. Maybe they will alert customers....

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    October 12th 2013

    Linda - glad I found this website, thought it was weird. from Bellevue, Ne. said my card had been deactivated. said to call 402-218-9625. just another scam.

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    October 15th 2013

    Caitlin - got a text from 440-782-7844 Reverse look up says it's from Brecksville, OH. 44141

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    October 17th 2013

    Sean - Recieved a call on my cell phone on October 16. I was immediately suspicious do to the low quality of the automated system. It sounded very antiquated, not at all up to current standards and grammar was off a bit. The number was (650) 777-5358, from Millbrea, CA. I used *69 and called back the number the next day. A voice message stated " Welcome to the Oak View Law Group. I didn't bother talking to them, in case this law group was also a scam, but I get the feeling maybe the number was hijacked?

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    October 17th 2013

    Anne - Just got a text that said "Metro Service F.C.U ALERT: Your DEBIT-CARD has been DEACTIVATED. Please call 402-547-7221." Nice try. I don't even have a debit card with that credit union.

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    December 16th 2013

    thomas - text message scam on wireless phone stated Visa credit card deactivated gave a 4xxx number. sent from 1201-218-9286 asked to call back 201-905-1020. one number land line the other a wireless two different ciities in NJ . called none but want you to know the numbers they used. Scam by text message on wireless phone At&T service. Hope they get caught

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    January 12th 2014

    Mary Louise - Just received random text from 530-230-5921. I called the number from my landline and the recorded message was that my debit/credit cards were compromised and to leave detailed info on their message machine. Machine full. Text message returned by verizon and I called my local police and sheriff non emergency #'s. No complaints but mine. I emailed www.ic3.gov and filed a complaint. The phone number does not exist

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    January 12th 2014

    Mary Louise - Just received random text from 530-230-5921. I called the number from my landline and the recorded message was that my debit/credit cards were compromised and to leave detailed info on their message machine. Machine full. Text message returned by verizon and I called my local police and sheriff non emergency #'s. No complaints but mine. I emailed www.ic3.gov and filed a complaint. The phone number does not exist

    Reply

    January 12th 2014

    Mary Louise - Just received random text from 530-230-5921. I called the number from my landline and the recorded message was that my debit/credit cards were compromised and to leave detailed info on their message machine. Machine full. Text message returned by verizon and I called my local police and sheriff non emergency #'s. No complaints but mine. I emailed www.ic3.gov and filed a complaint. The phone number does not exist

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    January 18th 2014

    Kim - My Mother rec'd a text saying her "credit card has been deactivated" along with a phone number to call. We immediately deleted the text, it did not even say what bank or credit company they were supposedly from. Beware and stay safe everyone.

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    March 9th 2014

    - Here we go again!! I just now received a phone call saying MY WALMART MONEY CARD had been deactivated and when I try to call it back it plays the message I get when I run out of minutes..but everyone else's number still works. I would have never thought to set up a recording depending on phone provider!!!!!!! I almost fell for it because of taxes thought they wondered about all the recent activity on the acct. Realized it was a scam when the first question to "reactivate" is what is your card number? DUH. I'm so upset, they are probably using google to call!!!!!! CALLS ARE FREE and you can have it say your calling from ANYWHERE. My call said it came from Ontario! #416-537-3151

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    July 18th 2014

    Ray Ray - I received a text from visa saying that my card has been deactivated. We all should know to never trust anyone who calls you or emails you.

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    July 21st 2014

    Gina - started again in 360 area code today

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    July 21st 2014

    zach - It's in Arizona as well.. I got a text saying "Credit Union West ALERT: Your VISA-#485287 has been temporarily DEACT|VATED. Please call Credit Union 24hrs line (602)888-7177." I don't even have a visa credit card lol. When I called the automated system seemed sketchy so I tried to talk to a rep. And when I selected 0 the system hung up on me.

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    July 28th 2014

    PD - My call came in at 8:00am EST from a 777-1383 (no area code). today Junly 28, 2014. A computer generated voice said they were calling from Visa and my card had been deactivated. To press 1 to be connected for help. I hung up

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    July 28th 2014

    PD - My call came in at 8:00am EST from a 777-1383 (no area code). today Junly 28, 2014. A computer generated voice said they were calling from Visa and my card had been deactivated. To press 1 to be connected for help. I hung up

    Reply