“Final Notice” Mortgage Letter Scams
Have you received a postcard or letter about a time-sensitive issue with your mortgage urging you to call an unknown phone number? If you have, you are not alone, as scammers all across the country are pulling public data records to target you and your information.
The first thing to understand is that these mailings did not come from Ennis State Bank/Trinity Capital Bank of Texas or any other financial institution. They are sent to homeowners in the hopes of selling you something or to steal your identity. Recipients are asked to call a phone number about an “important matter” with their loan. This scam is especially tricky because it looks like a late notice or official letter that mentions your lender by name.
The notices will often have a small disclaimer on the bottom stating, “Not Affiliated With” and your lender name. The letter may give the impression that they are working with the bank, but that is entirely false.
Scammers generally obtain this information from Public Records. For example, companies can get information from a county recorder’s office, such as lien filings or property purchase and transfer documents, which are all public records. The records and the information they can gather are used to develop letters with detailed information to help legitimize the “important matter” they refer to.
Ennis State Bank/Trinity Capital Bank of Texas is committed to protecting your personal information, and we do not sell or otherwise distribute it to non-affiliate third parties.
If you receive the notice, disregard and dispose of it as you would any other junk mail. Calling the number may connect you with a real person, or it may connect you to an automated recording. Regardless, do not offer your personal information. It could lead to some unfortunate problems.
Please contact your Relationship Manager or our Mortgage Servicing Department at (972) 330-8530 for any questions you may have.
