Be on the lookout for phishing emails that appear to come from The Claxton Bank. These fraudulent emails may tell you to update or confirm your account information as a result of a security update, technology upgrade, or routine maintenance.
Criminals use fraudulent emails (known as phishes) or pop up Web pages that appear legitimate and are designed to deceive you into sharing personal or account information. The phishes often include logos of legitimate companies, content from their Web sites, and names of real employees.
Many scammers randomly generate email addresses that's why you may have received fraudulent emails that appear to be from banks you do not have an account with. They may also obtain email addresses online from Web pages, chat rooms, online auctions, directories or other sources.
Remember, The Claxton Bank will never send unsolicited emails asking clients to provide, update, or verify personal or account information, such as passwords, Social Security numbers, PINs, credit or Check Card numbers, or other confidential information.
Pharming occurs when you type in a Web address and it redirects you to a fraudulent Web site without your knowledge or consent. The Web site will look similar to the legitimate site in hopes of capturing your confidential information.
Credit Card Fraud
Credit Card fraud can occur when someone takes your card and uses it without your consent. It can also happen when the card sits safely in your wallet.
Scammers will attempt to randomly call people with hopes to lure them with cash gifts or prizes in exchange for personal or account information.
Scammers will use local and community newspapers publishing fake advertisements with special rates and offers. If clients call, they are asked for their personal information and for an advance payment before the transaction can be completed.
Scammers will overpay for an item purchased and ask the difference to be wired back. Most times the check is counterfeit or forged for a higher amount.
Mail fraud occurs when scammers illegally intercept your mail or when you receive unrealistic offers.
The following are examples of fraud that have occurred at other institutions. We've categorized the scams by their subject matter and content.
Scammers can call clients stating they are The Claxton Bank employees in the Bank Security department. Scammers claim clients' accounts have been compromised and in order to "secure" their accounts, clients need to provide them with information about their accounts.
Sweepstakes or Lotteries
Please beware of other lottery scams especially those that originate from foreign countries. Letters notifying you that you've won a lottery or sweepstakes may require you to send money to secure your winnings. These "official" notices sometimes include fake checks. These notifications and checks are fraudulent.
Take care when clicking on links within emails phishing emails may appear to be from legitimate companies.
Notification of Changed Email Address or Password
An example would be a fraudulent email notifying clients of changes to their email addresses or passwords. The emails include statements such as: "Thank you for banking online at theclaxtonbank.com. Our records indicate that you recently added or made a change to one of your email address(es). This notification is to confirm that you initiated this change. If you feel you have received this email in error and did not add or change your email address(es), please click here." This email is not from The Claxton Bank and is fraudulent. Users should not click on the link in these emails; the link may take them to a phishing site or could download spyware to their computers.
A fraudulent email could mention "system", "technical", or "technology" updates at The Claxton Bank. For example, an email tells clients that there may have been a "regular update and verification" to their Online Banking accounts, and that they need to verify their information. Clients are warned that their access to Online Banking will be limited if they do not respond.
"Gift of $10,000 cash." The caller tells clients that they've won a gift of $10,000. Clients are asked to confirm their account and routing numbers so that the money can be transferred to their accounts by wire.
Clients receive a voice mail and are asked to verify possible fraudulent activities on their cards. The voice mail includes bogus phone numbers for clients to call.
How To Report Fraud
At The Claxton Bank, the protection of all your assets including your identity is our top priority. We have a number of safety measures in place to help protect you, including industry standard technologies on our Web site and teams dedicated to fighting fraud and identity theft. You can depend on us to safeguard your personal and financial information.
There are many things you can do to help secure your identity and your accounts. Here are some tips to follow.
*The Claxton Bank does not endorse or promote any products mentioned above, but does encourage the use and also encourages continuous
updating of any product you choose to use.
** Rating of the listed software is conducted by cnet.com. The free solutions can be downloaded from download.com a cnet.com website.
Credit Card Fraud