Beware of the IRS Scam!
The IRS Will NOT:
1) Call you to demand immediate payment.
2) Call you if you owe taxes without first sending you a bill in the mail.
3) Demand that you pay taxes and not allow you to question or appeal the amount you owe.
4) Require that you pay your taxes a certain way. For instance, require that you pay with a prepaid debit card.
5) Ask for your credit or debit card numbers over the phone.
6) Threaten to bring in police or other agencies to arrest you for not paying.
If you receive a phone call or voicemail from someone claiming to be from the IRS, here’s what you should do:
-If you know you owe taxes or you think you might owe taxes, call the IRS at 1.800.829.1040. The IRS employees at that line can help you with a payment issue, if there really is such an issue.
-If you know you don’t owe taxes or have no reason to think that you owe any taxes (for example, you’ve never received a bill or the caller made some bogus threats as described above), then call and report the incident to the Treasury Inspector General for Tax Administration at 1.800.366.4484.
-You can file a complaint using the FTC Complaint Assistant; choose “Other” and then “Imposter Scams.” If the complaint involves someone impersonating the IRS, include the words “IRS Telephone Scam” in the notes. Access the FTC Complaint Assistant here: https://apps.irs.gov/app/scripts/exit.jsp?dest=https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en&OrgCode=IRS
Be wary of ANY emails or phone calls you receive from someone claiming to be an employee of the IRS or State, especially those that demand you pay immediately, as the Internal Revenue Service and your state's tax authority will NEVER:
- Initiate contact with you by phone, email, text, or through social media outlets to ask for your personal or financial information.
- Require that you pay your taxes with a certain payment type, such as a prepaid debit card.
- Call you and demand immediate payment. The IRS or State will not call about taxes you owe without first mailing you a bill.
If you receive an email about your federal or state taxes:
- Don't reply to the message.
- Don't give out your personal or financial information.
- Forward the email to firstname.lastname@example.org and then delete the email.
- Don't open any attachments or click on any links, as they may contain a malicious code or virus that will infect your computer.
- Check the website of your state's tax return office to see how they recommend you report an attempted scam involving your state tax filing.
If you receive a call about your federal or state taxes:
- Ask for a contact number and an employee badge number and then call back to verify its legitimacy.
- Call the IRS or the office of your state's tax authority to inquire further.
- Contact the Treasury Inspector General for Tax Administration. Use TIGTA's IRS Impersonation Scam Reporting web page to report the incident.
- Report the incident to the Federal Trade Commission through the FTC Complaint Assistant on their website (add "IRS Telephone Scam" to the comments of your report).
For more in depth information on how to detect or report tax scams, visit http://www.irs.gov/uac/Report-Phishing.
Another Phishing Scam
We have had reports of scammers using text messages as another avenue to trick cardholders. When called, the phone number provided in the text prompts the consumer to walk through a series of steps to provide personal information such as account information, PIN numbers, expiration dates and/or their 3 digit CVV code.
While the text messages may mimic communications that members currently receive from Community Alliance, please remember that we will never contact you and ask for personal or sensitive account information in a text message.
Together We Can Fight Against Fraud - It's a Team Effort
What you can do to help:
- Sign up for eAlerts so you'll know when your card was used.
- Keep your account information up to date so we can reach you if we detect fraudulent activity
- Review your monthly statements for any unknown activity
By us working together, we can win the fight against fraud.
Windows 7 Ending
Support for Windows 7 is ending on January 14, 2020. When buying a new computer make sure it has the new Windows 10 operating system.
New ID Driver Licenses
Beginning October 1, 2020, Michigan residents will need to present a REAL ID-compliant document to fly within the United States (domestic flights) and enter certain federal facilities, military bases, and nuclear power plants. Residents without a REAL ID-compliant ID will need to show another form of acceptable documentation (such as a passport) prior to entering these facilities or boarding domestic flights. In order to obtain a REAL ID compliant DLN or PID, residents need to bring a valid U.S. passport or certified birth certificate with a raised seal or stamp to the SOS office.
As of August 28, 2017, in order to comply with the federal REAL ID Act of 2005, Michigan SOS began offering REAL ID Driver Licenses and Personal Identification Cards. Below is an example of what these cards look like (notice the gold circle with a star in the top right corner):
Enhanced Drivers Licenses, which have a US flag over the resident’s photo and the word “Enhanced” at the top (see below), are already REAL ID compliant. These licenses allow Michigan motorists to cross in the U.S. when traveling by sea or land from Canada, Mexico, Bermuda, and the Caribbean nations without the need for a passport of other identification documents.
If a resident chooses not to get a REAL ID-compliant ID or an Enhanced Driver License, a standard license card will be given with the phrase “Not for Federal Identification” printed on it (see below). These standard cards will continue to be legal identification for driving, cashing checks, renting vehicles, purchasing alcohol and tobacco, or entering casinos.
For more information, please visit Michigan SOS’s REAL ID-compliant Driver’s License and ID Information page at http://www.michigan.gov/sos/0,4670,7-127-1627_81569---,00.html
For more information on the REAL ID Act, please visit Department of Homeland Security’s site at https://www.dhs.gov/real-id
Update Your Address, Phone Number and eMail Address
Please take the time to make sure we have your correct address, phone number, and email address on file. You can update your information with us through Internet Banking, by calling us at 800.287.0046, or the next time you visit one of our locations. Communicating with you through online channels is the fastest way we can communicate to you your finances at Community Alliance Credit Union.
ID Theft Recovery Services
Steps you need to do to recover from identity theft:
- Contact all creditors, utilities, and financial institutions
File a report with your local police. Get a copy of the report in case a creditor needs proof of the crime
File a complaint with the Federal Trade Commission (FTC) and the Identity Theft Hotline at 877.IDTHEFT (438.4338)
Ask your creditors if they’ll accept the FTC’s ID Theft Affidavit. You can get one by calling the FTC at 877.IDTHEFT or at www.consumer.gov/idtheft. The affidavit allows consumers to report identity theft information to several companies simultaneously.
Report spam (e-mails) by sending an e-mail to the FTC at email@example.com.
If it appears that someone is using your SSN, contact the Social Security Administration to verify the accuracy of your reported earnings and your name. Call 800.772.1213 to check your Social Security statement.
Request your Free Annual Credit Report, the three major credit bureaus are:
Experian experian.com 888.397.3742
Equifax equifax.com 800.685.1111
TransUnion transunion.com 800.888.4213
If you have questions, call the Credit Union at 800.287.0046