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At NBT Bank, we’re always working to keep you up to date on—and protected against—the latest scams and threats to your identity. Click the headings below to read the most recent alerts and information, so you know what to look out for when it comes to fraud.
NBT Bank has been made aware of phishing email attempts that have been increasing in frequency. Phishing is an email fraud attempt where an individual is asked to click on links or attachments in an email to gather personal information or cause damage to a computer or network.
In the latest phishing attempts, fraudsters send emails to customers posing as NBT Bank and are reaching out to confirm that your contact information has been changed or to let you know there is important information regarding your account. There is a link at the bottom of both emails directing you to a fake website to enter online banking login credentials and personal information. The fraudsters take this information and immediately use it to take over your account and change the information so it’s not accessible.
Pictured are samples of the fraudulent emails. Please be advised that even if the body of the email is different or appears to be coming from a different sender, any similar emails could be a phishing attempt. If you believe you have received a phishing email, please report it to firstname.lastname@example.org. If you shared your personal information, please call NBT Bank immediately.
Capital One recently experienced a large data breach that occurred back in March 2019 and exposed personal information of nearly 106 million Capital One customers and credit card applicants. The compromised credit cards were applied for from 2005 to early 2019 and affected business customers and consumers. Names, addresses, dates of birth, credit scores, transaction data, social security numbers and linked bank account numbers were all potentially affected.
Capital One has stated that no credit card numbers or login credentials were revealed in the hack.
Capital One will be reaching out directly to customers and credit card applicants whose data was exposed in the breach via mailed letters. There is not a website currently that can be used to check for yourself.
Be on guard for emails and phone calls from scammers posing as Capital One or government officials asking for personal confidential information such as account numbers and social security numbers.
Make sure to check your credit report at least once a year. This can be done for free at annualcreditreport.com.
Due to the large data breach experienced in 2017 Equifax is now offering to compensate victims for a cash settlement or free credit reporting. In order to submit a claim, you must first check that your information was exposed and then choose credit monitoring or a cash settlement. If you choose the cash settlement you must be able to prove that you already have credit monitoring.
To apply for the settlement and/or check if your information was exposed in the breach please make sure to visit the legitimate Federal Trade Commission (FTC) site at: https://www.ftc.gov/enforcement/cases-proceedings/refunds/equifax-data-breach-settlement and https://eligibility.equifaxbreachsettlement.com/en/eligibility. Fake sites have been popping up that could further compromise your confidential information. You will need to provide your last name and last 6 digits of your social security number to check eligibility.
For any additional questions please reach out to the FTC directly at 833-759-2982.
A remote access scam typically begins with a phone call from someone who claims to have detected an issue or virus on your computer. They supposedly work for a large technology or computer software company that can fix the problem. To do so, they need access to the device and payment via gift cards, money transfer apps, or wire transfers. Here’s the problem: there are no issues with your computer and they don’t need remote access. Read the red flags below to help spot this kind of scam.
Tech support companies will never reach out to individuals via phone, text, or email claiming they have identified a problem. They rely on incoming calls to help their customers. If you are having an issue, call a number that you know and trust.
Once fraudsters have access to your device, they might also try and login to your online banking account. While they’re logged in, they transfer your own money between accounts and claim to have provided a refund in error. They ask you to send this money on to remedy the situation in the form of gift cards or money transfers. Remember to never give someone access to your online banking account by giving out your credentials or access to your device.
If you believe you have been a victim of a remote access scam, contact NBT Bank immediately at 1-800-NBT-BANK. Customer service representatives are available Monday through Friday from 7:00 a.m. to 7:00 p.m. and Saturday from 9:00 a.m. to 12:00 p.m.
NBT Bank has been alerted to SMiShing messages (text messaging phishing) being reported. At this time the text messages appear to be targeting the 607 area code. The text message (example below) state that the card has been locked and needs attention. The texts appear to be coming from the numbers listed below:
It asks customers to call back 1-844-765-1457 or 1-833-568-4768. Please be advised that even if body of the text is different or appears to be coming from a different sender, any similar texts could be a phishing attempt. Do not attempt to call or text this number or provide any information.
SMiShing is a version of social engineering where fraudsters attempt to get personal or bank account information from unsuspecting consumers. Once the information has been compromised, they can use it for unauthorized transactions or use the personal information to open accounts, loans, or credit cards. If you receive a suspicious communication, contact that person at a number you know and trust.
If you have provided any information or have any questions, please call 1-800-NBT-BANK immediately. Customer service representatives are available Monday through Friday from 7:00 a.m. to 7:00 p.m. and Saturday from 9:00 a.m. to 12:00 p.m.
On a daily basis, consumers and businesses are subject to malicious attacks from cyber criminals and fraudsters who are professionals at stealing information and financial resources. NBT Bank wants to give you the tools to recognize these red flags and the proper resources to report them so you don’t become a victim. Click on the dropdowns below to read more on the different topics.
A massive data breach at one of the largest credit reporting agencies in the country could affect the personal information of up to 143 million consumers, almost half of the US population.
The breach exposes information including social security numbers, birthdays, addresses, and in some cases, driver’s license numbers. In addition, approximately 209,000 credit card numbers were exposed. Currently, it is believed the compromise lasted from mid-May through the end of July.
To Protect Yourself from Potential Fraud:
It is important to remember NBT Bank has fraud monitoring in place that watches customer accounts for unusual activity. NBT will contact you in the event that we see any suspicious activity.
NBT Bank will continue to monitor the situation and provide further information as needed. For more information on the breach or to see if your information was affected, follow the link below:
Please contact our Call Center at 1-800-NBT-BANK (1-800-628-2265) if you see any unusual activity on your account.
Online loan fraud is a common method that scammers use to manipulate customers into giving out personal information and asking them to send funds through multiple different channels. Customers submit a loan application online that they found through an ad or website. They typically guarantee the loan will be approved regardless of credit history. The scammer asks for online banking credentials to make a direct deposit into the customer's account. The scammer deposits a fraudulent check and asks the applicant to purchase gift cards, wire the funds, or purchase a Western Union before they can receive the proceeds of the loan.
For more information on how to keep your online banking account safe, refer to the Online & Mobile Security section of the Fraud Information Center.
Personal Fraud Awareness, Prevention and Reporting Resources.
Find out about agencies that provide fraud awareness, prevention tips and resources as well as fraud and identity theft reporting tools.