CABRILLO CREDIT UNION | Sharp Division | Carlsbad City Division

Here is an example of what the web page may look like:

If you see this or a similar screen please report phishing to Cabrillo even if the URL appears to be Cabrillo's website. If you have disclosed your information in response to the page, please contact us immediately.

If a virus has infected your PC, we suggest that you contact a qualified technician to assist you. At this time, many anti-virus programs are not effective against this virus.

We have been made aware of fraudulent (phishing) emails being sent from This e-mail address is being protected from spambots. You need JavaScript enabled to view it . These emails are NOT being sent by Cabrillo and we recommend that you do NOT open the message or attachment. The email contains the following text:

Subject: ensenta.com account notification

Dear Customer,

This email was sent by ensenta.com to notify you that we have temporanly prevented access to your account.

We have reasons to believe that your account may have been accessed by someone else. Please run attached file and follow instructions.

 

Please do not reply to this email. Contact Cabrillo at 800-222-7455 with questions.

To learn more about other scams, please review the Learn About Various Phishing Methods section below.

• Getting personal information from bills or account statements
• Personal transactions done in public
• Impersonating a credit union or bank through email, text messages, or phone calls

A few things you can do to prevent identity theft:

• Log off your account and computer when not in use
• Install anti-virus and anti-spyware software and keep your computer up to date
• Shred all documents containing personal information
• Be cautious of emails from unknown sources
• Never email personal information (i.e. Account Numbers, Social Security Number, or other private information

To protect your account, MasterCard SecureCode was created to make sure your private information stays yours.

MasterCard SecureCode: Credit or Debit Card

Have you made an online purchase recently? Have you been asked for your MasterCard SecureCode? A private code means added protection against unauthorized use of your card when you shop at participating online merchants.

Once you've registered and created your own private SecureCode (which you may do at this website), you will be automatically prompted at checkout to provide your SecureCode each time you make a purchase with a participating online merchant. Your SecureCode will quickly be confirmed by your financial institution, and then you may complete your purchase. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM.

When you correctly enter your SecureCode during a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase is then completed. If an incorrect SecureCode is entered, the purchase will not be completed. Even if someone knows your credit or debit card number, the purchase cannot be completed without your SecureCode at a participating merchant.

If you would like further information regarding the MasterCard SecureCode, or if you'd like an online demonstration, please visit MasterCard© SecureCode™.

Under Federal law, you have the right to receive a free copy of your credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Experian®, Equifax®, and TransUnion®.

To obtain your free credit files go to: www.annualcreditreport.com

In an effort to prevent potential fraudulent activity on your card, the credit union implemented a security procedure that will deny transactions that seem potentially fraudulent. To make sure unusual purchases do not get declined, please keep personal information updated, especially phone numbers, and inform the credit union at 858-547-7400 when you will be making larger purchases than normal (such as a big-screen TV or expensive jewelry), or if you'll be making purchases while out of the country. In the event there is unusual activity on your card, our Fraud Department will contact you. This security procedure will help protect you from fraud and help prevent loss.

E-MAIL "PHISHING" - Phishing (pronounced "fishing") is a scam to steal valuable information such as credit card and Social Security numbers, user IDs, and passwords. In phishing, also known as "brand spoofing," an official-looking e-mail is sent to potential victims pretending to be from their ISP, credit union, bank, or retail establishment. E-mails can be sent to people on selected lists or on any list, and the scammers expect some percentage of recipients will actually have an account with the real organization.

LAND LINE TELEPHONE "VISHING" & VoIP (INTERNET PHONES "VISHING") Vishing, (Voice phISHING) also called "VoIP phishing for the Internet phones," is the voice counterpart to phishing. Instead of being directed by e-mail to a Web site, an e-mail message asks the user to make a telephone call. The call triggers a voice response system that asks for the user's card number or other personal or financial information. The initial bait can also be a telephone call with a recording that instructs the user to phone an 800 number or another area code within or outside of the United States. In either case, because people are used to entering card numbers over the phone, this technique can be effective. Voice over IP (VoIP) is used for vishing because caller IDs can be spoofed and the entire operation can be brought up and taken down in a short time, compared to a land line telephone.

TEXT MESSAGE "SMISHING" - Smishing (SMS phISHING) is the mobile phone counterpart to phishing. Instead of being directed by e-mail to a Web site, a text message is sent to the user's cell phone or other mobile device with some ploy to click on a link. The link causes a Trojan to be installed in the cell phone or other mobile device.

Mail LETTER "PHISHING" - This new scam occurs where the phisher is creating a letter and sending it through the mail to individuals to respond to the letter by calling a phone number. The phisher outlines in the letter that the individual must respond for their own protection. This scam is used in conjunction with other channels to steal valuable personal and financial information of the individual receiving the letter.

Cabrillo Credit Union's computer system does not connect directly to the Internet. Any and all requests for data must pass through two distinct validation and control centers known as Firewalls. Secure Socket Layering (SSL) protects all data transmissions between your PC and Cabrillo Credit Union's computer system. SSL utilizes authentication and encryption technology developed by RSA Data Security, Inc. This method of cryptography means that unauthorized individuals cannot decipher your private information. Since the form used to process your information is hidden, your browser will not display a lock. We provide continuous monitoring and auditing of all transactions originating from or outbound to the Internet. We are committed to working with our communications providers to produce the safest operating environment possible for our members and will take advantage of evolving security enhancements.
 
You will also see a VeriSign graphic on pages with our applications, forms and email links. VeriSign provides us with Internet trust services for secure electronic communications over IP networks. Verisign provides additional information about their services and security.