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Gesa connects you to the latest information about consumer fraud, consumer information, and identify theft. If you have any questions about the articles linked from this section, please give us a call.
Read the articles below for access to government and other official fraud prevention sites for additional information.
If you believe that your card is lost or has been stolen, immediately call one of the numbers listed below. Please read the entire page for complete instructions.
|Diamond Premier Credit Card
|Platinum Credit Card
|Business Visa Credit Card
|Visa Check Card
(M-F: 9a - 6p)
(Sa: 9a - 5p)
(M-F: 9a - 6p)
(Sa: 9a - 5p)
|Business Visa Check Card
Lost or stolen card or checks? Here's what to do.
If you believe your card or checks have been lost or stolen, take action immediately.
- Contact Gesa immediately using the appropriate phone numbers.
- Report the loss or theft immediately to local law enforcement where the loss or theft occurred.
- Depending on the situation, you may want to contact credit reporting services to make them aware of your loss. While it is not your fault if your checks or cards have been stolen, the reality is that such incidents can and do show up on credit history reports.
Equifax Information Services: 800.525.6285
Several members and non-members are reporting fraudulent calls and text messages that purport to be from Gesa regarding debit/credit cards.
These messages are not from Gesa.
Be assured, neither Gesa nor our systems have been compromised, and we have already alerted the appropriate authorities who have shut down all known fraudulent phone numbers. As a reminder, never give out personal information when the phone call, text or e-mail is unsolicited.
If you believe you have given out your Gesa account information to an unauthorized source, please report your card stolen by calling our Solution Center during business hours at 888.946.4372. For after hours assistance please call 877.745.4565 for a Visa Debit Card or 800.442.4757 for a Visa Credit Card.
What Should I Do?
Have you provided your Gesa account information over the phone or through a text?
- Yes - Please contact Gesa immediately at 509.378.3100
Gesa Debit Card 877.745.4565
Gesa Credit Card 800.442.4757
- No - Good work! Gesa will never ask you for personal information through a text especially your PIN or expiration date. If you have provided account information from another institution, please contact them directly by calling the number on your statement.
Did you receive an unsolicited phone call or text informing you to change your PIN or that your card has been deactivated?
Reported Numbers: 347.474.7041 / 312.994.9999 / 213.799.0709 / 205.321.0411 / 815.625.0307 / 252.548.7666 / 509.770.2031 / 252.548.7666 / 208-758-0211 / 509.855.5517
- No - Thank goodness! You have not been targeted.
Did you receive a call requesting you to call 866.620.1302 or 800.337.3392?
- Yes - This is a legitimate Gesa fraud prevention number. We want to verify transactions. Please contact us to avoid any inconvenience with your card.
- No - You should still check your account regularly. Ask about having 24/7 access to your accounts via our secure website.
Due to heightened fraud activity in certain foreign countries, Gesa and the US Government occasionally find it necessary to block card use in high-risk areas. In an effort to protect members' funds, we take these card blocks very seriously. We apologize for any inconvenience this may cause while conducting business with or traveling to these countries.
|Cote d'Invoire||Democratic Republic of Congo|
|United Arab Emirates*||Pakistan|
* Please let us know if you plan on visiting one of these countries so that we may exclude you from the blocking of that country.
A merchant data compromise is an organized theft or mishandling of ATM, debit, or credit card information by a merchant. This can occur through intentional or unintentional merchant breaches of data, merchant third party processors, computer theft, stolen data tapes, or company insiders working for a merchant. This is not a compromise of credit union systems.
Our top priority is to protect your account information as well as protect Gesa from losses. At our expense, we may block existing cards and reissue new cards. We understand there is an inconvenience on the part of the member when this occurs and will make every effort to notify you immediately and expedite a card reissue.
It’s important to remember that a merchant data compromise does not necessarily mean you will experience fraud on your account. Even so, we encourage you to review your monthly statement for accuracy and report any discrepancies to us immediately.
IMPORTANT: Gesa will NEVER ask you to provide private, secure information through email, a phone call, or text messaging, unless you initiated the inquiry with us.
It seems that fake web sites, trying to steal private financial information, pop up every day. Gesa is no different than hundreds of other banks and credit unions. Occasionally, we all get hit with these phishing email scams that attempt to route the unsuspecting victim to a fake web site. If you have any lingering doubts about whether or not a phone call, email, or text is from truly from Gesa, below are some tips that may help you.
- Even if the site LOOKS like a Gesa Online Banking page, if the URL (web address) is not correct, it's a FAKE.
- If the email makes it sound urgent, wants you to change your information now, or "confirm" your information now, it's fake.
- If the email or web site asks you for a credit card number, a PIN, a CVV number, or your passcode, it's fake.
- If the email you've been sent asks you to help us "update our database," it's a fake.
- If the email asks you to click on a link to "restore access to your account," it's a fake.
- If the email provides you with a link asking you to change your passcode through that link, it's a fake.
Never use someone's link in an email or a link on any other site to access Gesa’s Online Banking. Trust is a valuable commodity. These scammers are trying to win your trust in order to steal from you. Don't let them.
Some members have received fraudulent “phishing” email purporting to be from Gesa. The fraudulent email asks you to click on a link. The next page usually appears to be a Gesa Credit Union web site page. This is the beginning of the phishing attempt to defraud you. Never attempt to enter Gesa's Online Banking through a link in an email.
The purpose of these emails is to trick you into entering private and sensitive financial information, such as a PIN, user name, and other account information. With this information, an identity thief may gain access to your account information or use your credit to steal from you.
What is phishing?
"Phishing" is the use of e-mail and fraudulent web sites to trick recipients into disclosing personal financial information, such as credit card numbers, Social Security numbers, account names, passwords, and addresses.
It's important to remember that Gesa will never ask you to enter sensitive and private information on a site through an email solicitation. Never trust a request for this type of information from an unsolicited email! Call Gesa's Solution Center if you have any questions.
Vishing calls that pretend to be calls from Gesa
Members and non-members are reporting some vishing that purports to be calls from Gesa. Most of these calls appear to be legitimate numbers that are being 'spoofed' onto Caller IDs so the real phone numbers cannot be tracked or shut down. Neither Gesa nor our systems have been compromised, and we are doing everything we can to get these scams shut down.
If a member is concerned about a phone call regarding their debit card, please remember that the phone number for Gesa Credit Union's legitimate Visa fraud protection provider is 866.620.1302.
In a cooperative effort, the Federal Trade Commission, the Department of Homeland Security, the U.S. Postal Inspection Service, the Department of Commerce, and the Securities and Exchange Commission (SEC), have launched a web site that provides practical tips to help consumers guard against online fraud and computer hacks. Just go to http://onguardonline.gov.
This site addresses the security issues of social networking sites, online auctions, tips on how to protect your family online, spam scams, phishing alerts, spyware, ID theft, and perhaps most valuable—a glossary, so that you can navigate the online world and know what you're reading about!
Don't worry. The site is completely translated into Spanish for those who are more comfortable reading in that language. Just click on the link Español, or go to http://alertaenlinea.gov.
The National Cyber Alert System delivers targeted, timely, and actionable information to help you secure your computer system. When you sign up by email, you can receive Alerts about immediate issues and vulnerabilities, and Tips with preventative and general advice about current cyber issues. You can sign up to receive these tips automatically.
US-CERT is a partnership between the Department of Homeland Security and the public and private sectors.
Cashier's check or "419 advance fee" fraud
Online auction sites are a popular way to buy and sell collectibles, jewelry, even cars; however, Internet auction transactions are not always safe. The cashier's check or "advance fee" fraud has become more prevalent as online auction sites and classified ads have gained popularity. In many cases, large ticket items lure this type of fraud artist to a victim.
The typical fraud scenario is somewhat confusing, which is probably one of the reasons why the fraud artist is successful. This scam involves counterfeit cashier’s checks and money orders, and has been growing in popularity.
How the Scam Works
Victims are generally people who are selling a personal item on the Internet, such as popular online auction sites, or in the classified ads. In this swindle, a "buyer" sends the seller a cashier's check or money order that exceeds the purchase price of the item being sold. The seller doesn't realize that the cashier's check or money order is fraudulent. The seller is instructed to deposit the check and send the remaining funds (that exceed the selling price) back to the buyer in the form of a money order or cashier's check, or even by wire transfer. By the time the seller's financial institution discovers the fraud, the seller (the victim) has already mailed or wired the funds to the "buyer." The victim is now responsible for the full amount of the fraudulent check or money order and the scam artist is nowhere to be found.
Online Auction Safeguards
Online auction fraud registers the largest number of complaints to the FTC's Consumer Sentinel database. You don't have to give up your affection for online auctioning yet. If you safeguard your identity, take your time transferring funds, and keep alert for possible scams, your risk of becoming a victim will be small.
- Use caution when dealing with foreign buyers and sellers.
- Beware if the buyer or seller asks you to send money quickly. Banks often take 10 days or more to determine if a cashier's check is counterfeit. Do not ship the goods or spend any of the funds sent to you until 10 days to two weeks after you deposit the cashier's check.
- Insist on a cashier's check drawn on a local financial institution, or one that has a local branch. Insist on a cashier's check for the exact amount.
- Check to make sure the financial institution is legitimate.
- These fraud artists tend to target vulnerable people, senior citizens and young adults. Alert any family members who may be at risk.
- No legitimate company will offer to pay you by arranging to send you a check and asking you to wire some of the money back. If that's the pitch, it's a scam.
- Become familiar with any auction site you visit online. Find out what protections the auction site offers buyers and sellers. Don't assume the rules are standard for all auction sites.
- Find out as much as you can about the other party you're dealing with on an online auction site. Be wary of those who try to lure you away from the Web site with promises of a better deal.
- Save all transaction information.
- Protect your privacy. Never provide your Social Security number, driver's license number, credit card number or bank account information.
- Never agree to travel to meet your buyer or seller.
Consumers may obtain a free credit report once every 12 months from each of the three nationwide consumer credit bureaus (Experian, Equifax, and TransUnion).
AnnualCreditReport.com offers consumers a fast and convenient way to request, view and print their credit reports in a secure Internet environment. It also provides options to request reports by telephone and by mail.
AnnualCreditReport.com is the only service authorized by the credit bureaus for this purpose. They recommend that as a security precaution, consumers should never provide their personal information to any other company or person in connection with requesting free annual credit reports under the FACT Act.
AnnualCreditReport.com will not approach consumers via email, telemarketing or direct mail solicitations.
You may access up to three credit reports, one each from each of the reporting bureaus. To keep tabs on your credit report all year, it is suggested that you get a credit report every 4 months. For instance, in January, get your report from Experian; then in May, get the report from Equifax; then in September get the report from TransUnion. Or in any order you wish. That way, you can go through the whole year, keeping watch on your credit report. It's a good way to check for possible fraud, ID theft or any other unusual activity on your account.
If you’re a victim of fraud, what should you do?
- File a police report. Contact your local agency even if you feel that you have not suffered a loss. Scammers' activity may not appear until a long time after. Be prepared.
- File an affidavit with your creditors. Most companies have an affidavit for situations such as these if you have suffered a loss or have become a victim.
- Contact your creditors. Make sure to keep records such as statements or creditor correspondence. Document any phone conversation with names of representatives, dates and times. Follow up in writing with all contacts that you have made on the phone or in person. Use certified mail and request a return receipt.
- Monitor your credit reports. Victims of identity theft should closely review financial records for several months after they discover the crime. Victims should review their credit reports once every three months in the first year of the theft, and once a year thereafter. Stay alert for other signs of identity theft.
- The OCC Consumer Complaints and Assistance web site offers tips on the 419 Advance Fee scam, which is similar to a Cashier's Check scam. (U.S. Department of the Treasury)
- The Federal Trade Commission's web site about online shopping is a wealth of information on fraud schemes while shopping online. The Internet shopping experience can be marred by unscrupulous dealers unless you heed some of the shopping tips on this web site.
- Free Annual Credit Reports, through the FACT Act of 2003.
- Tax Fraud: If you believe you are a victim of identity theft and someone has assumed your identity to file federal income tax returns or to commit other tax fraud call toll-free 800.829.0433 or http://www.irs.gov/uac/Taxpayer-Guide-to-Identity-Theft.
- Victims of identity theft that are experiencing difficulty filing their returns should call the IRS Taxpayer Advocates Office, toll-free: 877.777.4778.