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In today's world, scams and deceptions are very real, and the best way to protect yourself is to remain aware and diligent. Being skeptical of businesses and individuals seeking personal information is a smart way to safeguard your accounts. If you don't understand why someone needs a piece of information or something doesn't seem quite right, always gather additional details before giving out your personal data.
Common cases of financial exploitation involve the following:
COVID-Related Scams: Various types of scams have occurred throughout the COVID pandemic, in hopes of taking advantage of people’s concerns during this time.
Phishing & Smishing Attempts – An attempt to collect personal information through an email, text message, social media post, or phone call. The sender claims to be from a reputable company – maybe even someone you know – and attempts to gather your personal information, such as passwords, credit/debit card numbers, account information, etc.
Elder Financial Abuse - The Consumer Financial Protection Bureau (CFPB) indicates that one in five older Americans fall victim to financial exploitation. If you believe you, or someone you know, may be the victim of financial exploitation, contact your local law enforcement agency and the appropriate financial institutions immediately, or visit: https://ncea.acl.gov/Resources/State.aspx to find a local adult protective services agency and other service providers that can help.
Government Imposter Scams – Typically, a phone call, letter, email, text message or fax supposedly from a government agency, requiring an upfront payment or personal financial information, such as Social Security or bank account numbers.
Gift Card Scams - Gift cards are a popular way for scammers to steal money from victims. Gift cards are like cash: if you buy a gift card and someone uses it, you probably cannot get your money back.
Fraudulent job offers – Fraudsters pose online or in classified advertisements as employers or recruiters offering enticing opportunities, such as working from home.
Fraudulent Mortgage Relief Programs - Fraudulent websites or contact posing as a mortgage relief program.
Fraudulent Official Checks and Money Orders - Counterfeit checks are often used in fraudulent scams when selling items to individuals over the internet or face-to-face in the purchase of large ticket items.
Lottery Scam - An email, letter or other contact claiming that the recipient has won a lottery or prize.
The Grandchild Scam - A frantic caller pretends to be the victim’s grandchild in need of financial assistance and money being wired immediately.
To report suspicious transactions on your account or to report a checkbook lost or stolen, contact our Call Center at (607) 734-3374, (888) 372-9299, or visit your local branch office as soon as possible.
Elmira Savings Bank
333 E. Water St., Elmira, NY 14901
Phone: (607) 734-3374
The Advisor Newsletter
Routing Number: 221370399
Orig NMLS #403589
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