Security Education - Community First Credit Union

Current Fraud - Text & Email Messages
Student Loan Debt Relief Scams
Lost Stolen or Damaged Cards

Current Fraud - Text & Email Messages

Fraudulent Texts and Phone Calls Reported

UPDATED: 5/19/2023

Members have reported receiving text messages like the one shown below, followed by calls concerning potentially fraudulent transactions on their accounts.

REMINDER: We will never ask for your debit card number, account number, or full social security number. We already have that information in our records.

If you believe you may have given your information by mistake, please contact us immediately so we can take steps to protect your accounts.

Contact our Member Contact Center at (920) 830-7200 or 1-866-273-2328.
Change your Digital Banking Password.
Refresh Digital Banking Security Questions.
Setup Digital Banking notifications to more actively monitor your account activity.

Members have reported receiving fraudulent text messages and emails. They may appear as follows:

Sample fraud message stating your order is now being shipped and a charge of $571 has been applied to your card. If you have any questions, contact us.

Sample fraud text stating Community First CU Alert We noticed a payment of $1,350 is sending to account ending **845 click link to review or cancel.

scam

cfcuscam

Phone Scam with voicemail using the Community First phone number.
Do NOT interact with this message. Dial our number directly if you need to get in contact with us.

Do not engage with or respond to a text or email like this. Instead, if you have any concerns, always contact us directly at phone numbers you know to be Community First or visit us in person.

Never provide PIN, digital banking credentials or other sensitive information to anyone who calls or texts you to ask for it – even if they claim to be us. We will never ask for that information.

If you believe you may have given your information by mistake, please contact us immediately so we can take steps to protect your accounts.

Contact our Member Contact Center at (920) 830-7200 or 1-866-273-2328.
Change your Digital Banking Password.
Refresh Digital Banking Security Questions.
Setup Digital Banking notifications to more actively monitor your account activity.

Student Loan Debt Relief Scams

10/20/2022

The Department of Education (ED)’s application for federal student loan debt relief is now open and, of course, scammers are on the move — trying to get your money and personal information. Luckily, there are ways to stop them, so keep reading to find out how to protect yourself as you apply for relief.

As people file their applications, ED will review them on a rolling basis. Pack some patience and follow the process…not those who say they can put you in front of the line. Because those are scammers. Here’s what to know right now to steer clear of scammers:

Apply at StudentAid.gov/DebtRelief. Nowhere else. Right now, application is online only and in English and Spanish. A paper application will be available later.
Don’t pay to apply. It’s FREE. Anyone who says you need to pay is a scammer. And anyone who guarantees approval or quicker forgiveness: scam, scam, scam.
Know what to share, where, and when. The real application will ask for your name, birth date, Social Security number, phone number, and address. But, when you apply online, you don’t have to upload or attach any documents.
Know what not to share. When you apply, nobody legit will ask for your FSA ID, bank account, or credit card information. Anyone who does: scammer. (Stay tuned for more info when ED starts processing applications. Some applicants will have to verify their income, but not yet.)
Expect email updates from ED. After you apply, you may hear from ED — to upload tax documents verifying your income — or to give updates on your application. Those emails will only come from noreply@studentaid.gov, noreply@debtrelief.studentaid.gov, or ed.gov@public.govdelivery.com. Pay close attention the sender address for emails about loan forgiveness — looking for slight typos — to avoid a scammer’s fake emails.
Follow ED’s process if your application is denied. Anyone who says they can get you approved (for a fee) is a scammer. Your email notice will have instructions. Follow those, and if you have questions, call FSA’s dedicated phone line at 1-833-932-3439. Expect long wait times.

Have you spotted one of these scams? Tell us about it at ReportFraud.ftc.gov.

Lost Stolen or Damaged Cards

Lost, Stolen or Damaged Card

You can report your card lost or stolen if you are missing your card or think someone stole your card information. Damaged cards can be replaced.

For Lost or Stolen Cards:

CREDIT CARDS

DEBIT CARD

If you are not a Digital Banking user:
Call us at 920-830-7200 Mon-Fri, 7 am to 6 pm, Sat, 7 am to 1 pm CST.

Outside of these days and times, please call 866-820-5874 (24hrs).

If you are a Digital Banking user:
1. Login to Digital Banking
2. Select your card.
3. Select Card Controls.
4. Toggle the card to Off.
5. Select Report Card as Lost/Stolen from the More menu.
6. Review your transactions for any unauthorized activity. Be sure to notify us immediately if anything looks suspicious.

If you are not a Digital Banking user:
Call us at 920-830-7200 Mon-Fri, 7 am to 6 pm, Sat, 7 am to 1 pm CST.

Outside of these days and times, please call 866-820-8847.

If you are a Digital Banking user:
1. Login to Digital Banking
2. Select the account associated with the card
3. Select Card Controls.
4. Toggle the card to Off.
5. Call 920-830-7200 or 866-820-8847 (24hrs) immediately.
6. Review your transactions for any unauthorized activity. Be sure to notify us immediately if anything looks suspicious.

Damaged Card

We understand that after a while there can be some wear and tear on your card that makes it impossible or difficult to use, like a scratched swipe strip or worn off numbers. We’ll send you a replacement card, free of charge. Your card number will not change, but your expiration date will change. Please update your accounts accordingly

CREDIT CARD	DEBIT CARD
If you are not a Digital Banking user: Call us at 920-830-7200 Mon-Fri, 7 am to 6 pm, Sat, 7 am to 1 pm CST to request a replacement card. If you are a Digital Banking user: 1. Login to Digital Banking 2. Select your card. 3. Select More 4. Select Order New Card from the menu.	To replace a damaged debit card, please contact a Member Service Representative in our Member Contact Center at 920-830-7200 during business hours.