Fraud Alerts |
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Posted September 2, 2010 Suspicious Telephone Calls Claiming to Be From the FDIC The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of suspicious telephone calls where the caller claims to represent the FDIC and is calling regarding the collection of an outstanding debt.To date, the callers have alleged that the call recipient is delinquent in payment of a loan that was applied for over the Internet or made through a payday lender. The loan may or may not actually exist. The caller attempts to authenticate the claim by providing sensitive personal information, such as name, Social Security number, and date of birth, supposedly taken from the loan application. The recipient is then strongly urged to make a payment over the phone to “avoid a lawsuit and possible arrest.” In some instances, the caller is said to sound aggressive and threatening. These suspicious telephone calls are fraudulent. Recipients should consider them as an attempt to steal money or collect personal identifying information. The FDIC generally does not initiate unsolicited telephone calls to consumers and is not involved with the collection of debts on behalf of operating lenders and financial institutions. If a caller demonstrates that he or she has the recipient's sensitive personal information, such as Social Security number, date of birth, and bank account numbers, the recipient may be the victim of identity theft and should review his or her credit reports for signs of possible fraud. The individual should also consider placing a “fraud alert” on his or her credit reports. This can be done by contacting one of the three consumer reporting companies listed below. Only one of the three companies needs to be contacted. That company is required to contact the other two, which will place an alert on their versions of the report.
Posted July 20, 2010 Automated Phone Message Attack in Progress Pre-recorded phone messages are being delivered to random consumers with the warning that their debit cards have been closed. When consumers call the telephone number provided in the recording they hear a request for their 16-digit card number and PIN. Please do not call – these messages are from fraudsters trying to collect your personal information. Central National Bank will never call you to ask for your account number, card number, or PIN. Always use extreme caution when you receive an unknown call or text. Please do not give any account or personal information to an unknown caller. If you have any questions, please call 1-888-262-5456.
Posted July 6, 2010 False E-mail Claiming to Be From the FDIC The Federal Deposit Insurance
Corporation (FDIC) has received numerous reports of a fraudulent
e-mail that has the appearance of being sent from the FDIC. For more
information you can visit the FDICs website. Posted March 5, 2010 U.S. Census Bureau 2010 Census Campaign Warning US-CERT asks users to
be vigilant during the U.S. Census Bureau's 2010 Census campaign and
to watch for potential census scams.
Posted January 28, 2010 ABA WARNS OF FRAUDULENT EMAILS WASHINGTON, Jan. 26 – The American Bankers Association has been alerted that someone or a group of individuals sending emails purporting to be from ABA are actually part of a scam commonly known as phishing. These con artists are sending emails asking people to click on a link for more information -- a popular technique to get financial information from the email recipient.
Phishing for financial information has been a long-standing practice. However, criminals are increasingly phishing for access to corporate, small business and government accounts and using that access to withdraw large sums of money from those accounts. Clicking on the link could enable fraudsters to download malicious software on to victims’ computers and steal bank passwords and other account information.
The emails inform recipients that an “unauthorized transaction” has been charged to their account using their “bank card.” The amount of the transactions is typically between $3,000 and $7,000. ABA would never contact a consumer and ask for financial information. ABA is working with law enforcement to identify the source of the emails and to disrupt them. ABA offers the following advice to consumers, business and government organizations:
Posted November 12, 2009 Phishing Alert from NACHA (11/12/2009) Random individuals and/or companies may have received a falsified e-mail with the subject title “Rejected ACH Transaction.” This e-mail appears to be from NACHA – The Electronic Payments Association telling them that there is a problem with an ACH transaction they have originated. The e-mail includes a link which redirects the individual to a fake web page which appears like the NACHA website and contains a link which is almost certainly executable virus with malware. See sample below. Please alert any financial institution and/or company who have questions about this site and inform them that the e-mail did not originate from NACHA, the website is not that of NACHA’s, and inform them to not click on the link. = = = = = Sample E-mail = = = = = = From:
nacha.org [mailto:report@nacha.org] Dear bank account holder, The ACH transaction, recently initiated from your bank account, was rejected by the Electronic Payments Association. Please review the transaction report by clicking the link below: Unauthorized ACH Transaction Report (this is the how the link is presented) = = = = = = = = = = = = = = = = = = =
Posted October 29, 2009 The Federal Deposit Insurance Corporation (FDIC) has become aware of e-mails appearing to be sent from the FDIC that are asking recipients to download and open a "personal FDIC insurance file" to check their deposit insurance coverage. These e-mails are fraudulent and were not sent by the FDIC. The FDIC is attempting to identify the source of the e-mails and disrupt the transmission. Currently, the subject line of the fraudulent e-mails includes the wording "check your Bank Deposit Insurance Coverage." The e-mails state: "You have received this message because you are a holder of a FDIC-insured bank account. Recently FDIC has officially named the bank you have opened your account with as a failed bank, thus, taking control of its assets." The e-mails ask recipients to "visit the official FDIC website" by clicking on a hyperlink provided, which appears to be related to the FDIC and directs recipients to a fraudulent Web site. The Web site includes hyperlinks that appear to open forms. However, it is believed that clicking on the hyperlinks will cause an unknown executable file to be downloaded. While the FDIC is working with the United States Computer Emergency Readiness Team (US-CERT) to determine the exact effects of the executable file, recipients should consider the intent of the software as a malicious attempt to collect personal or confidential information, some of which may be used to gain unauthorized access to online banking services or to conduct identity theft. Consumers should NOT access the Web site or download the executable files provided on the Web site.
Posted June 4, 2009 Phishing Alert! We have been notified of a scam in which customers and non customers are receiving emails indicating their Online Services have been suspended. The email then instructs the customer to click on a link which it states takes them straight to a site to reactive their account. This link is not a valid link and it actually directs you to a fraudulent site. You are advised not to provide personal information. If you have any questions feel free to contact our customer service department at 1-888-262-5456. Here is a copy of the email customers are receiving. From:
Central National Bank [mailto:Onlinesecurity@centralnational.com]
Posted March 26, 2009: E-mail Claiming to Be From the FDIC The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of a fraudulent e-mail that has the appearance of being sent from the FDIC. The subject line of the e-mail states: "Inquiry about your bank account." The e-mail tells recipients that, "due to many fraud and money laundering attempts made by non-US residents the past 2 months using fake information to open US bank accounts, and using them for illegal purposes, we require all FDIC member's banks customers to update some information on their bank accounts as soon as possible in order to confirm their identities." The e-mail then asks recipients to follow a hyperlink and then to click on their bank’s logo. It then informs recipients that they will be redirected to their bank’s Web site "through a specialized link" and that, once logged in, they will need to "fill some information." This e-mail is fraudulent. Recipients should consider the intent of this e-mail as an attempt to collect personal or confidential information, some of which may be used to gain unauthorized access to on-line banking services or to conduct identity theft.The FDIC does not issue unsolicited e-mails to
consumers. Financial institutions and consumers should NOT follow
the link in the fraudulent e-mail.
Posted February 25, 2009: We have been notified of a recent scam in which customers and non-customers of Central National Bank are being sent an email asking to update their personal information via a link that will take the user to a site that is not Central National Bank’s site. Please know that Central National Bank will never send you an email asking for your personal information. If you receive an email asking you to provide personal and/or sensitive information, do not click on any link and do not send the information. Even if the website and/or email appear genuine - do not continue. If you have any questions please call our customer support team at 1-888-262-5456. Here is text from the sample email:
Dear NetTeller Banking Customer: This letter is addressed to you as your Bank provides NetTeller Banking Service. Please notice that a new version of a NetTeller Confirmation Form has been released. This form synchronizes Customers’ data with its account entries on a central NetTeller banking server. Each NetTeller Banking user is required to fill in the NetTeller Confirmation Form. Please, click the link below to access the NetTeller Confirmation Form. In order to fill in the form correctly, please follow the instructions on the website. (FRAUDULENT LINK) NetTeller apologizes for the inconveniences caused to you, and is very grateful for your cooperation. NetTeller Banking
If you feel you may have been a victim of this scam, contact Central National Bank immediately by calling us at 1-888-262-5456.
Posted February 25, 2009:
We have
received calls from customers who have received the
following text message on their phones:
This is a scam If you receive this text message, do not respond to it or call the number provided! If a customer calls asking about this message, assure them that this is a scam. It does not appear that whoever is sending this text has the customer's card number, but I would encourage customers to keep a close eye on there accounts due to the number of scams that are occurring. If you feel you may have been a victim of this scam, contact Central National Bank immediately by calling us at 1-888-262-5456.
Posted October 29, 2008:
We have had
inquiries today that indicate that counterfeit Central
National Bank Cashier's Checks are being used in a lottery
scam. The checks that we have seen are check numbers that
have been issued by the bank. That is where the similarity
ends. The Remitter and Payee do not match those issued by
the bank. The amount of the check is $5,250.00.
This amount does not match our actual checks.
These checks are counterfeit and
they will be returned as such if they are presented for
payment.
This is a
classic example of advanced fee scams. The "checks" have
been sent to individuals with a letter that indicates that
they were selected as a winner for a sweepstakes drawing.
The recipient is instructed to telephone for directions to
claim their winnings. The directions are to deposit the
check into an account, withdraw and wire (usually through
Western Union, not the bank) the majority of the funds.
Once the wire is received, the remainder of their winnings
will be sent to them. Of course, the victim never receives
the winnings and when the check is returned as counterfeit,
they are responsible for repaying the bank for the money
that they wired.
If you
receive one of these award letters and check,
please do not deposit or cash the check. Do
not allow yourself to become a victim of this scam.
Posted May 22, 2008: DEBIT/CREDIT Card Scam...
We received
notice from several customers that persons are calling residents
within our communities claiming to be a representative of CNB
and indicating to the customer that the customer had been entered in
a drawing the bank is holding. The scammer is asking the CNB
customer for their debit card number for verification - or - they
are claiming they need the number to credit winnings to the bank
customer via the customer's debit card account.
THESE CALLERS
ARE NOT REPRESENTATIVES OF CENTRAL NATIONAL BANK and we strongly
encourage you NOT to give personal information over the phone or
online if the party contacting you is not known personally to you
and you can verify that call independently of any information the
caller gives you. If you are unsure about the call, hang up and
call your local branch.
Posted May 14, 2008: We received notice of an individual or individuals making calls to residents within our communities who are identifying themselves as being from a company called Tele-Protect and they indicate they are working in cooperation with Central National Bank. They are posing as a fraud protection company trying to renew a fraud protection plan, which the customer enrolled in last year. They are telling customers that their existing fraud protection plan is about to expire and it is necessary to have the customer re-enroll in the service. The caller is then asking for the customers account information. THIS COMPANY IS NOT A REPRESENTATIVE OF CENTRAL NATIONAL BANK and we strongly encourage you not to give personal information over the phone or online if it is not to a known and trusted source. If you are unsure, hang up and call your local bank.
Posted May 14, 2008 A new phishing scam is currently making its way around the internet. Phishers are sending out email which appears to come from the IRS with information on your 2008 Economic Stimulus Refund. The email requests that you fill out an online form with your personal information so the check can be directly deposited in your bank account. The link to the form is included in the email. This email is not from the IRS, and is designed to steal a person’s identity. Following is an example of the mail: Example: (Submitted, April 2008)Subject: Get 2008 Economic Stimulus Refund ( $1800 ) © Copyright 2008, Internal Revenue Service U.S.A. All rights reserved. And from the IRS:
Posted January 18, 2008: Please beware if you received an unsolicited email purporting to be from “Central Bank” regarding your access to online banking. “Central Bank” is not affiliated with Central National Bank and the email may be a “phishing” attempt to obtain personal financial information as described below. A new phishing attack has been targeted to customers of a financial institution in Italy. This attack is unique because it links to the institution’s actual website instead of using a fake website like most phishing attacks. Once the customer clicks on the link in the email, they are directed to the institution's website to log on. However, an attack embedded within the link allows the attacker to capture the username and password as the user logs in. The username and password are recorded by the attacker for future use. Be advised to never log in to a secure website by clicking on a link inside an e-mail--even if it has a correct domain name. Instead, type the domain name into your browser or use a shortcut/favorite that you already have set up. Phishing "Phishing" is the act of sending an e-mail purporting to be from a trusted source in an attempt to fool the user into surrendering their private or sensitive information that is later used for identity theft. The e-mail then either contains a web page or directs users to a web page displaying logos, wording, and information from other real company web sites. Usually, the e-mail asks to update or confirm account information such as passwords, bank account numbers, credit card information, or social security numbers. Our Policy Central National Bank will not e-mail you asking for personal account information such as account numbers, social security numbers, passwords, or other sensitive information. If you receive an e-mail that asks you to confirm or update your account information or that you suspect is a phishing attempt, please contact us immediately. All information you input into forms on our web site is done securely. This means that the data is encrypted as it travels to Central National Bank. You can ensure that a form you are filling out is secure by looking for the "https" in the beginning of the URL of the web page you are at or by looking for the padlock symbol on your browser window. To ensure confidentiality, we do not recommend that you include personal or sensitive information when contacting us via our e-mail address, info@centralnational.com, as it is not a secure method of communication. Ways to Protect Yourself
Posted November 2nd, 2007: Central National Bank has encountered a fraud attempt affecting one of our customers.
If you have received a letter or other contact from "AUSTRALIAN SWEEPSTAKES" or "INTERNATIONAL AWARD PRESENTATION", be assured this is a scam and the check you received with that letter is counterfeit. Do not attempt to cash or deposit the check.
National and International law enforcement agencies have been notified. If you wish to assist us in collecting data you may e-mail us at info@centralnational.com. Enter "AUSTRALIAN SWEEPSTAKES FRAUD" in the subject line; then we are asking you include your name, city and state, your phone number, and if you still have the check/letter: The check number, the phone number on the letter (it appears in the last paragraph) and any other information you wish to provide. We will be happy to include that in our documentation to provide to law enforcement.
Or, you may send the information to: BSA Department Central National Bank 800 SE Quincy Topeka, KS 66612 FAX (785) 234-9660
Scams of this type are world-wide and hurt a lot of people. We applaud your watchfulness and appreciate any information you wish to provide.
Posted March 30th, 2007: Central National Bank has encountered a fraud attempt affecting one of our customers.
If you have received a letter or other contact from "HOT LOTTO" or "HOTLINE LOTTERY PAYMENT CENTER", be assured this is a scam and the check you received with that letter is counterfeit. Do not attempt to cash or deposit the check.
National and International law enforcement agencies have been notified. If you wish to assist us in collecting data you may e-mail us at info@centralnational.com. Enter "HOT LOTTO FRAUD" in the subject line; then we are asking you include your name, city and state, your phone number, and if you still have the check/letter: The check number, the phone number on the letter (it appears in the last paragraph) and any other information you wish to provide. We will be happy to include that in our documentation to provide to law enforcement.
Or, you may send the information to: BSA Department Central National Bank 800 SE Quincy Topeka, KS 66612 FAX (785) 234-9660
Scams of this type are world-wide and hurt a lot of people. We applaud your watchfulness and appreciate any information you wish to provide.
Posted June 5th, 2006: FBI Fraud Alerts Poster Click on the below image to view a poster created by the FBI. It is a great way to educate yourself on the types of fraud that exist so you can avoid getting scammed.
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Disclosures
Central National Bank is
participating in the FDIC's Transaction Account
Guarantee Program. Under that program, through
December 31, 2010, all noninterest-bearing
transaction accounts are fully guaranteed by the
FDIC for the entire amount in the account. Coverage
under the Transaction Account Guarantee Program is
in addition to and separate from the coverage
available under the FDIC's general deposit insurance
rules.
© 2010 Central National Bank. All rights reserved.
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