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American Airlines Federal Credit Union Did you know that you can receive fraud text alerts if any suspicious activity is detected on your Credit Union credit cards? If you have our Platinum Rewards, low-rate or Business card, sign up now for an added sense of security. Log in on AACreditUnion.org, click on your credit card account details page and select "Enroll Fraud Text Alerts." 5. Report to the Federal Trade Commission at FTC.gov or by calling (877) 438-4338. 6. Consider reporting it to your local police. Also ask the company that experienced the breach if you can enroll in a fraud victim assis- tance program. And let credit unions, credit card companies and other fi nancial institutions know your information may have been compro- mised. Later you may close affected accounts, remove bogus charges and make any necessary correc- tions to your credit report. You may also ask credit agencies for an extended fraud alert or credit freeze. Preventing data loss To prevent loss in the fi rst place, keep your own computer software up to date with current security patches. Never download apps or soft- ware from pop-up ads or sites that don't belong to the software company. This last tip is important because of the rising risk of ransomware — malware that lets cyber- criminals lock up data on a computer behind an unbreakable code, then demand a payment for the decoder key. Ransomware demands more than doubled last year and, unlike fraud losses that are covered by merchants and fi nan- cial institutions, this cybercrime can take a bite directly out of your pocket. As long as personal data is stored in giant data- bases in the cloud, risks of data breaches will continue. Businesses and consumers are more alert than ever, but criminals keep devising new techniques to pry personal information from digital depositories. In Europe, laws such as the General Data Protec- tion Regulation going into effect in 2018, place comprehensive requirements on businesses to protect personal data. U.S. individual protec- tions are more uneven, so it's up to every con- sumer to watch out for their data themselves. receive fraud text alerts if any 1. Online Work Scam You've got the job, now give us personally identifi able information and/or disburse money to external accounts as directed. 2. Pay Day Loan You've gotten the loan, but fi rst you need to pay a deposit or insurance. 3. Car Sales Scam You receive a check for the auto, but the buyer wants you to send transportation costs somewhere. 4. Romance Scam A loved one you communicate with via internet has fallen on hard times and needs money ASAP. 5. Mystery Shopper You receive a check to shop for us. Buy moneygrams, gift cards, song downloads, etc. and send them somewhere or give the codes via text. 6. Online Sales Scam You receive a check for the item, but the buyer overpays and wants you to send money elsewhere for any reason. 7. Car Wrap Scam You receive a check for putting advertising on your car. The payer wants you to take the extra funds from the check to pay the vendor to do the actual wrap, while you keep the remainder. 8. Nigerian Scam Email requesting help transferring large sums of money. 9. Online School Grant Scam You receive a check for the grant, but are expected to pay "origination" or other fees out of the check. 10. Tax refund scam You owe money to the government and you will be arrested if you don't pay now. Top 10 scams experienced by American Airlines Credit Union member-owners in 2017 AACREDITUNION.ORG | 19