Franklin Mint FCU email?

Question

I got an email from this thing called Franklin Mint FCU, i don't even think I ever used it, I'm not old enough for a credit card, I don't have a bank account, I don't think I ever signed up for it, + It said safeguarding your privacy, i quickly changed my password, iserious need to know what's happening here.

Answer 1

OC1999 is right

I checked the Franklin Mint FCU website and they have an alert about that email.
The following is a part of what they say about it --

FMFCU Security Center | Alerts
June 12, 2007 – Today, we've received yet another notification of a phishing attempt. This email is lengthy and tells the victim that due to recent account takeovers and unathorized listings, a new verification procedure has been requested. THIS IS COMPLETELY FALSE - PLEASE DELETE THE EMAIL.You may safely view the pdf of the email here so you can identify it.

All of the fraudulent emails we've seen over the last few weeks attempt to extract sensitive personal information from our members, including member number, debit card number, expiration date, security code and PIN#. Be on the lookout for these emails and delete them. Many of these emails contain links to fraudulent sites that have copied our look. PLEASE LOOK AT THE ADDRESS IN YOUR BROWSER! IF IT IS NOT WWW.FMFCU.ORG, CLOSE YOUR BROWSER AND DELETE THE EMAIL. FMFCU will never ask you for personal account information via e-mail. Read below for more information on current and past alerts

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As for you not remembering ever doing business with the credit union, you might order your credit reports to see if there is any loan activity listed on them from that CU.
You also might contact the CU and ask why you are getting the phishing email when you do not have an account with them as far as you know.

It could be several things.
You may have opened or tried to open an account at one time and don't remember.
Someone may have used your info to open an account for their own purposes.
Someone in your family may have opened an account for "your" benefit, savings, CD's, etc.

Answer 2

You have been "Phished". This is where you get an e-mail that says they need some password or other personal information. They then use this to try and steal your identity.

No valid bank will ask for information in an e-mail. Your best bet is to not click on any links, trash it and don't worry about it.

I don't usually like Wiki but this seemed to have some good examples and explanations.