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Learn how to identify different types of scams and what to do if you believe you have been targeted.
For your protection, please know that OnPoint (or any of our business partners, such as Visa) will never initiate a request for sensitive information via phone, email, or text message. Sensitive information includes:
If you receive communication that requests this type of sensitive information, please be suspicious of the request, do not provide any of the requested information, and contact OnPoint directly if necessary.
Phishing targets consumers by sending them an email that appears to be from a well-known source – an internet service provider, a bank, or a mortgage company, for example. It asks the consumer to provide personal identifying information, which will be used to open new accounts, or invade the consumer’s existing accounts. Please remember that OnPoint will never ask you to provide or confirm your personal information via email or text message.
ATM scammers target unsuspecting users at an ATM and attempt to obtain information such as your personal identification number (PIN). Below are tips for using ATMs safely in order to avoid potential fraud.
We've seen this type of scam target Oregon taxpayers during this tax season. Victims are told they owe money to the IRS or Oregon Department of Revenue and they must pay immediately through a temporary debit card or wire transfer. If the victim refuses to pay, they are then threatened with arrest, deportation or suspension of a business or driver's license. In many cases, the caller becomes aggressive and insulting.
"Oregonians need to be vigilant as the April 15th tax deadline approaches. The IRS and the Oregon Department of Revenue will never ask you to pay with a pre-paid debit card or make a wire transfer," says Attorney General Ellen Rosenblum.
Other characteristics of this scam include:
If you get a phone call from someone claiming to be from the IRS or Oregon Department of Revenue, here's what you should do:
A mystery or secret shopping scam is when people are “hired” to be mystery shoppers, and told that their first assignment is to evaluate a money transfer service, like Western Union or MoneyGram. Avoid falling victim to a secret shopping scam and remember it’s never a good idea to deposit a check from someone you don’t know and then wire money back.
Do not open emails from unknown sources. You may want to report the scam to the organization named in the email, report it to the Federal Trade Commission (FTC), or forward the suspicious email to the FTC at firstname.lastname@example.org. If OnPoint is named in the scam, please forward the email to email@example.com.