Scam Calls and Spoofed Numbers: What You Need to Know
No need to define what a spam call is because no doubt you’ve received your fair share. Blocked callers or spoofed numbers will include an automated message asking for private information, but always remember: government agencies and financial institutions will never ask you to input your personally identifiable information such as card numbers, online banking credentials, PINs, card expiration dates, or CV2 codes.
What’s a spoofed call?
Caller ID spoofing is the process of changing the Caller ID to any number other than the actual calling number. Caller ID spoofing happens when a caller knowingly falsifies the info transmitted to disguise the number they’re calling from. If a number looks suspicious, use caution or consider not answering.
Avoiding Email, Phone, and Text Scams
Fraudsters will often send emails, voicemails, and texts directly to cardholders. Remembering these key points can help you avoid getting scammed:
- A phone call from one of our fraud call centers will only include a request for the cardholder ZIP code and no other information—unless the cardholder confirms that a transaction is fraudulent. Only then will the cardholder be transferred to an agent, who will ask questions to confirm the cardholder’s identity before going through the transaction history. If at any point you are uncertain about questions being asked or the call itself, hang up and call us directly at:
- Columbia Credit Union: 360-891-4000
- Debit Card Fraud Call Center: 877-253-8964 (for voice mail and email notifications)
- Credit Card Fraud Call Center: 855-926-5159 (for voice mail and email notifications)
- Text alerts from Columbia Credit Union will always be from the 5-digit number 37268 and NOT a 10-digit number resembling a phone number. You’ll be prompted to reply with answers such as “Yes,” “No,” Help,” or “Stop.” A link will NEVER be included.
- Debit card SMS messages will include a call back number of 877-253-8962 if the cardholder would prefer to respond by phone.
- Credit card SMS messages will include a call back number of 855-926-5160 if the cardholder would prefer to respond by phone.