Fraud & Scams
请注意，FLCBank绝不会打电话要求您提供个人信息, such as your Social Security number, your date of birth, your Online Banking username and password, your credit/debit card number(s), or the three-digit security code on the back of your credit/debit card.
联邦贸易委员会(FTC)是收集诈骗报告的主要机构. Report your scam online with the FTC complaint assistant, or by phone at 1-877-382-4357 (9:00 AM - 8:00 PM, ET).
Visit the Federal Trade Commission Consumer 定期在信息网站了解最近的诈骗以及如何识别警告信号. Read the FTC’s most recent alerts or browse scams by topic.
The FTC also collects reports of identity theft. Report identity theft online at IdentityTheft.gov or by phone at 1-877-438-4338 (9:00 AM - 8:00 PM, ET).
Report fake websites, emails, malware, and other internet scams to the Internet Crime Complaint Center (IC3). Some online scams start outside the United States. If you have been a victim of an international scam, report it through econsumer.gov. 你们的报告帮助国际消费者保护机构发现趋势并防止欺诈.
Notify Us of Fraud and/or a Scam
To notify us of online fraud, identity theft, or a scam involving FLCBank or your FLCBank account, please call 800.318.3159, Monday through Friday, 9:00 a.m.— 5:00 p.m. (EST) or e-mail us at cybersecurity@flcb.com. Please include your name, e-mail address, telephone number, and a detailed description of the possible fraud or scam.
Check Fraud
No matter the size of your business, you are vulnerable to check fraud.
Check fraud is still a very common scheme affecting business. Fraudsters use counterfeit checks, stolen check stock, altered checks, forged signatures, fraudulent endorsements, and other tactics to target business accounts. In some cases, fraudsters intercept mailed checks and alter the payee. FLCBank建议不要通过USPS等常规邮政服务邮寄大额支票. If payment through ACH or other secure debit transactions isn’t an option, then mailing a paper check should be done using a secure, 经认证的保险承运人，如联邦快递或联合包裹，以确认交付到预期的收件人. 如果支票没有及时兑现，最好打电话给预定的收款人确认收到，如果没有收到，就发出停止付款的通知. Check fraud can harm your business by causing cash flow problems, burdensome investigations, and even unreimbursed financial losses, and in some instances, the bank may not be liable for these occurrences.
Prevent Check Fraud With Our Check Positive Pay Service. Learn More
Fraud Text Message Scam
我们收到了客户的报告，他们收到了皇冠正版APP下载他们账户的短信，要求提供个人信息以验证账户或交易. This link is FAKE. 删除文本，请注意FLCBank也不会打电话或发短信要求您提供个人信息. If the call or text sounds suspicious, please do not respond.
Fraud Using FLCBank’s Name & Reputation
FLCBank Executives and Officers Impersonation
我们最近了解到一个骗局，骗子冒充FLCBank的高管(例如, John Abbott, CFO) in an email, social media (e.g., Facebook) message or text message, 通知目标受害者，他们需要帮助从外国银行账户转移一笔钱. Prior to the transaction taking place, the impersonator will request an “advance fee” of some type, which is where the loss to the victim takes place. If you receive an email, text message or social media message of this type, we strongly advise you to delete the message. 您可以通过以下方式与我们正规买球APP下载，以核实来自FLCBank的任何信息的真实性 cybersecurity@flcb.com.
Imposter Websites
互联网的发展为我们的购物方式带来了许多极其便利的进步, bank, and interact with the world around us. At the same time, 这种演变也带来了新的风险——为犯罪分子创建虚假网站提供了新的途径, fraudulent or a scam to rip off the unsuspecting.
冒名网站的设计看起来是合法的，甚至模仿/克隆企业的品牌外观. The cloned page will use the same images, content and page navigation of business but the logo, login screen, contact information and URL has changed. 该网站实际上是一个工具，可以泄露用户的个人身份信息或登录凭据，以实现金融欺诈.
Protect Your Personal Information Online
Be stingy with your personal information when you’re on the web. When a site asks for your personal information, know that the data you enter could end up in the wrong hands. A web site might look like the real deal, 但很多都是犯罪分子伺机窃取你的金钱和个人信息的幌子.
Research a company before choosing to give it your business. 在在线搜索引擎中输入公司名称和“投诉”一词，看看会出现什么. 花点时间向公司询问有关州或政府许可证的详细信息. 如果公司不能提供信息，或者你在政府机构网站上找不到详细信息, it could be a red flag.
Coronavirus (COVID-19) Scams
To this day, 骗子将冠状病毒(COVID-19)视为利用人们的恐惧和脆弱性的机会. There’s no reason to panic, but you should be vigilant and take the appropriate if not additional, precautions to ensure you and your finances remain secure.
Remember: Never provide information such as your Social Security number, bank account number, PayPal account information, or anything else that could put your personal information at risk.
We understand people may want to support local businesses and individuals, however, 验证组织和个人的合法性以保护您的个人信息和帐户非常重要. Scammers are targeting victims by impersonating charities, medical professionals, and health authorities.
Here is a list of possible COVID-19 scams:
- Treatment scams: 骗子们提供假的治疗方法、疫苗以及未经证实的COVID-19治疗方法的建议.
- Supply scams: Scammers are creating fake shops, websites, social media accounts, 以及声称出售目前需求量很大的医疗用品的电子邮件地址, such as surgical masks. When consumers attempt to purchase supplies through these channels, fraudsters pocket the money and never provide the promised supplies.
- Provider scams: Scammers are contacting people by phone and email, 假装是为朋友或亲戚治疗过COVID-19的医生和医院工作人员. They are then demanding payment for that treatment.
- Charity scams: 骗子正在为受COVID-19影响的个人、团体和地区募捐.
- Phishing scams: Scammers posing as national and global health authorities, 包括世界卫生组织(WHO)和美国疾病控制与预防中心(CDC), 发送钓鱼邮件是为了诱骗收件人下载恶意软件或提供个人身份和财务信息吗.
- App scams: 诈骗者正在创建和操纵旨在跟踪COVID-19传播的移动应用程序，以插入恶意软件，损害用户的设备和个人信息.
- Investment scams: Scammers are offering online promotions on various platforms, including social media, 声称上市公司的产品或服务可以防止, 检测或治愈COVID-19，这些公司的股票将因此大幅升值. These promotions are often styled as “research reports,” make predictions of a specific “target price,，并与小盘股或由正规买球APP下载有限的最小公司发行的低价股票有关.
As similar scams are likely to arise in the coming weeks and months, remember to be mindful and protect yourself and your finances. Please share these tips with everyone in your family regardless of their age, especially elderly family members, as they seem to be targeted more often.
Other resources to learn more about Online Security, Identity Theft, and Scams & Frauds
Visit the U.S. Government Services and Information website to learn more.