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Fraud
Don't Get Hooked
 
Be on the lookout for phishing emails that appear to come from SunTrust. 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.

SunTrust will never trade, rent, or sell your personal information – including email addresses – to anyone. For more information on our privacy policy, visit our Privacy section on this SunTrust Web site.

Examples of Recent Fraud

We have been made aware of a new phishing scam. It appears to be an email sent from SunTrust regarding registration of an online identity theft complaint, but the email contains several links, any of which, when clicked on, will download a virus to your computer. This email is not from SunTrust. Please do not click on any of the hyperlinks. The email is automated, and the victim's name will change, as well as the case number and the name of the company that is making the "complaint". Examples of these emails are here and here.

Here is another recent phishing scam to be aware of. Bogus (phish) emails claiming to be SunTrust Online Cash Manager-related are being sent to clients. The emails contain a hyperlink that says "Renew My Online Profile." Please do not click the hyperlink or respond. These emails are not from SunTrust. If you receive any of these emails, we recommend that you delete them immediately.

> Phishing Email Example: SunTrust Online Cash Manager
> Phishing Email Example: Wire Transfer Pin Number Request
> Phishing Email Example: SunTrust Bank Client Service Team Customer Alert
> Phishing Email Example: Cash Manager Email/Sign-In Screen
> Phishing Email Example: SunTrust Online Reward 2007 Update
> Phishing Email Example: Better Business Bureau Complaint
> Phishing Email Example: Online Banking Transfer Alert
> Phishing Email Example: Important Notice from SunTrust Internet Banking
> Phishing Email Example: Consumer Fraud Awareness
> Phishing Email Example: Account Deletion
> Phishing Email Example: Maintaining the Trust of our Customers
> Phishing Email Example: Important Notice
> Phishing Email Example: Account Suspension
> Phone Scam: SunTrust Bank Security
> Check Scam Example: Fraudulent Lottery Letter


Types of Fraud

Phishing
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, SunTrust 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
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 try and 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.

Phone Solicitations
Scammers will attempt to randomly call people with hopes to lure them with cash gifts or prizes in exchange for personal or account information.

Print Fraud
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.

Check Scams
Scammers will overpay for an item purchased and ask the difference to be wired back. Most times the check was counterfeit or forged for a higher amount.

Mail Fraud
Mail fraud occurs when scammers illegally intercept your mail or when you receive unrealistic offers.

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Examples of Fraud

The following are examples of fraud that we've identified. We've categorized the scams by their subject matter and content. This page will be updated frequently. Please visit this page often to learn about the latest alerts.

Phone Scam
Scammers call clients stating they are SunTrust 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. If you have concerns about your account, please contact a SunTrust representative at 800.SUNTRUST.

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.

Example: Group Forum American Clearing House informs individuals that they've won the Fortune 500 Companies Consumers Rewards program.

Phishing emails
Take care when clicking on links within emails – phishing emails may appear to be from legitimate companies. See examples above.

Notification of Changed Email Address or Password
Fraudulent emails notifying clients of changes to their email addresses or passwords have been identified. The emails include statements such as: "Thank you for banking online at suntrust.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 SunTrust 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.

Request to Update Your Online Account
Some users have received emails stating they need to update their SunTrust account "due to the recent changes we have made on our online banking system" which "allows us to activate new features for your account on our system." The email includes a hyperlink that appears to take users to a SunTrust Web site. However, the hyperlink takes users to a phishing site or can download spyware to their computers. This email is not from SunTrust and is fraud.

SunTrust System/Technical Updates
Many fraudulent emails mention "system", "technical", or "technology" updates at SunTrust. For example, one email tells clients that there has 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.

Phone Solicitations
"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.

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How to Report Fraud
Help Protect Yourself from Becoming a Victim of Fraud or Identity Theft

At SunTrust, 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.

Identity Theft
  • Don't include your Social Security number or driver's license number on sensitive documents.
  • Don't leave incoming mail lying around.
  • Drop your mail in an official postal mailbox.
  • Shred or destroy any junk mail before you throw it away.
  • Don't respond to unsolicited requests for personal or account information.
  • Use a safe deposit box to protect important documents.
  • Review your credit report at least once a year.
  • For more information about ordering free credit reports, go to the special Web site established by the three credit bureaus at annualcreditreport.com or call 877.322.8228.
Online Fraud Credit Card Fraud
  • Sign your cards immediately once they arrive in the mail.
  • Memorize your PIN and don't write it on anything.
  • Don't enter your card online unless you're on a secure site. Don't send your credit card number in the mail.
  • Keep a record of all your account numbers, expiration dates, and contact information for each issuer. This will come in handy if your wallet is lost or stolen.
  • Report a lost or stolen card right away. Quick action will minimize potential loss and liability.
  • Save your receipts to compare against your billing statement. When discarding receipts, tear them up or shred them.
  • Monitor your statements monthly, making sure you recognize all charges. If you see any suspicious transactions, contact your bank immediately.
  • Carefully review receipts for voided transactions and be sure they do not post to your account.
  • Destroy your carbons. Do not leave them behind without tearing them up.
  • Don't leave your purse, wallet, cards, or receipts unattended. Always keep them secure or in your sight.
  • Only carry cards that you need; leave others in a safe place at home.
  • Don't give out your account number unless you know and trust the company.
  • Shield your hand from view of others when entering your PIN at ATMs.

Telephone solicitations
  • Register your home and cellular phone numbers with the National Do Not Call Registry or call 888.382.1222 to prohibit telemarketers from calling you.
  • Use caution when disclosing personal information.
Print Fraud
  • Do your homework. If you see an advertisement for a loan or mortgage, make sure that it is legitimate. If it sounds too good to be true, it probably is.
  • Check out the source through the Better Business Bureau.
Check Scams
  • Use Direct Deposit for paychecks, Social Security payments, and other regular deposits.
  • Be aware of fake check scams that promise easy money for working at home, winning sweepstakes, or depositing checks from foreign countries.
  • Do not leave your checkbook unattended.
  • Know who you are doing business with.
  • Report lost or stolen checks immediately to SunTrust by calling 800.SUNTRUST.
  • Transition any compromised accounts to new SunTrust accounts and report the incident to these check verification companies:
    • Telecheck 800.710.9898
    • Certegy 800.437.5120
Mail Fraud
  • Shred documents containing your personal and financial information before placing them in the trash.
  • Report any unauthorized transactions to 800.SUNTRUST immediately.
Loan Fraud
  • Notify the lender immediately if you receive a call, confirmation, or decline letter on a loan that you did not apply for. You could be a victim of identity theft.
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How SunTrust Helps Protect You

We're committed to keeping your accounts safe from unauthorized access and your identity confidential. Learn more about how we help protect your accounts.

Learn More About Fraud

You are your own best protection against online fraud. By staying informed, you can help protect your identity and accounts. You can learn more about online fraud by downloading the SunTrust Online Fraud and Identity Theft Guide. It contains useful tips, resources, and an action plan to help prevent online fraud and identity theft.

SunTrust Online Fraud and Identity Theft Guide – English
SunTrust Online Fraud and Identity Theft Guide – Spanish

Also, following are some useful links to learn more about online fraud:
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*SunTrust checking accounts are available to residents in the following states: AL, AR, DC, FL, GA, MD, MS, TN, VA, W.VA, NC, and SC.
 
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