Security Alert: Caller-ID Spoofing Scam
Beware of scammers using caller ID spoofing to make it look like they are calling from CAP COM. We will never ask you for your PIN or personal information when we call you. Hang up if you are unsure and call us back at the number listed on our website, (800) 634-2340.
CAP COM will never ask you for your PIN or instruct you to delete the CAP COM app.
What to Do
If you ever get a call from someone claiming to be from CAP COM, or any other financial provider, be cautious before answering any questions. Even if the call appears correct on the caller ID, it might not be legitimate. Fraudsters could be engaging in a “caller ID spoofing” scam to make it look as if they’re calling from your financial institution’s phone number. When in doubt, hang up and call us back.
Here’s a clue the call might be a scam. CAP COM will never call you and ask you for your PIN or any other personal information. We will not tell you to delete the CAP COM app.
When you call us, we could ask you for some personal information to verify your identity, but we will still never ask you for your PIN.
Remember, if you’re unsure whether the person on the phone is a CAP COM employee, end the call and dial the number listed on our website: (800) 634-2340. A legitimate representative from CAP COM or any other financial institution would welcome a call back.
Beware. Details of the call may vary, as those with malicious intent modify their tactics to trick consumers. Learn more about phone spoofing, courtesy of the Federal Trade Commission.
A scammer fooled a victim who lives within a 2-hour drive of the Capital District in April 2020 and illegally charged more than $10,000 to the account. Here’s what happened:
- The scammers called the victim and said they were with the bank’s fraud department. They needed to confirm some transactions. They already knew the last four digits of the victim’s Social Security number.
- They told him that he needed to get a new card, set a new PIN, and change his home banking password. The victim complied and did all that by phone.
- They also managed to get his personal information -- mother's maiden name, email address, and date of birth.
- They told him if he received an email that he should ignore it because he had already talked to them on the phone.
We have also seen instances in which fraudsters tell members there is fraud suspected on their card based on a charge made in another state. When the member denies this purchase, the scammer says he will deactivate the card and send a new one. Then, the individual asks for your PIN.
Don’t be fooled; do NOT share your PIN!
If you suspect fraud, contact CAP COM at (800) 634-2340. Remember that one of CAP COM’s priorities is protecting member’s accounts.
Account Protection by CAP COM
CAP COM utilizes advanced fraud detection and prevention technologies to protect member accounts and sensitive data. Layers of safeguards, including advanced online protections, fraud monitoring around the clock, and surveillance by CAP COM security professionals, create a powerful defense online and off. CAP COM fraud monitoring might contact you via phone or text to verify charges. We will never ask you for your card number or other personal information.