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Fraud Info
 Was Your Identity Stolen?
 
Link to original article at mycreditunion.gov
 
If you believe that someone has stolen your identity, you should:
  • Contact any credit union, bank or creditor where you have an account that you think may be the subject of identity theft. Advise them of the identity theft. Request that they restrict access to your account, change your account password, or, if there is evidence that your account has been the target of criminal activity, close your existing account and open a new account. If your financial institution closes your account, ask them to issue you a new credit card, ATM card, debit card, or share drafts (checks), as appropriate.
  • Contact the fraud department of each of the three major credit reporting agencies (CRAs). Report the identity theft and request that the credit bureaus place a fraud alert and a victim's statement in your credit file. The fraud alert puts creditors on notice that you have been the victim of fraud, and the victim's statement asks them not to open additional accounts without first contacting you.

The contact information for the fraud departments of the three national CRAs:

  • TransUnion - Call the Fraud Victim Assistance Division: 1-800-680-7289 or write: P.O. Box 6790, Fullerton, CA 92634
  • Equifax - Call: 1-800-525-6285 or write: P.O. Box 740256, Atlanta, GA 30374-0241
  • Experian - Call: 1-888-EXPERIAN (397-3742) or write: P.O. Box 9532, Allen TX 75013
You may request a free copy of your credit report.

CRAs must provide a free copy of your report if you have reason to believe the report is inaccurate because of fraud and you submit a request in writing.

Review your report.

Make sure no additional fraudulent accounts have been opened in your name or unauthorized changes made to your existing accounts. Also, check the section of your report that lists "inquiries" and request that the three major CRAs remove any inquiries from companies that opened the fraudulent accounts.

File a report with your local police department.

Occasionally, credit reporting agencies will ask for a copy of the police report to submit as proof of the crime.

Contact the Federal Trade Commission's Identity Theft Hotline Toll-Free at 1-877-ID-THEFT (438-4338).

The Federal Trade Commission (FTC) puts the reported information into a secure consumer fraud database and shares it with local, state, and federal law enforcement agencies.
 

 
 Preventing Identity Theft and Pretext Calling
 
Link to original article at mycreditunion.gov

Here are a few basic steps you can take to avoid becoming a victim of identity theft and pretext calling:

Identity theft is the fraudulent use of a person's personal identifying information. Often, identity thieves will use another person's personal information, such as a Social Security number, mother's maiden name, date of birth, or account number to open fraudulent new credit card accounts, charge existing credit card accounts, write share drafts, open share accounts, or obtain new loans. They may obtain this information by:
 
  • Stealing wallets that contain personal identification information and credit cards.
  • Stealing credit union statements from the mail.
  • Diverting mail from its intended recipients by submitting a change of address form.
  • Rummaging through trash for personal data.
  • Stealing personal identification information from workplace records.
  • Intercepting or otherwise obtaining information transmitted electronically.

Pretext calling is a fraudulent means of obtaining a person's personal information. Pretext callers may contact credit union employees, posing as members, to access members' personal account information. Information obtained from pretext calling may be sold to debt collection services, attorneys, and private investigators to use in court proceedings. Identity thieves may also engage in pretext calling to obtain personal information to create fraudulent accounts.
 
Do not share personal information, such as account numbers or social security numbers, over the telephone, through the mail, or over the Internet, unless you initiated the contact or know with whom you are dealing.
Store personal information in a safe place and tear up old credit card receipts, ATM receipts, old account statements, and unused credit card offers before throwing them away.

Protect your PINs and other passwords. Avoid using easily available information such as your mother's maiden name, your birth date, the last four digits of your Social Security number, your phone number, as identity thieves can use this information to access your accounts.

Carry only the minimum amount of identifying information and number of credit cards that you need.

Pay attention to billing cycles and statements. Contact the credit union if you do not receive a monthly bill. It may mean that the bill has been diverted by an identity thief.

Check account statements carefully to ensure all charges, share drafts, or withdrawals you authorized.

Guard your mail from theft. If you have the type of mailbox with a flag to signal that the box contains mail, do not leave bill payment envelopes in your mailbox with the flag up. Instead, deposit them in a post office collection box or at the local post office. Promptly remove incoming mail.
 
Consumers are entitled to one free credit report from each credit reporting bureau annually. Click here to learn more.

If you prefer not to receive pre-approved offers of credit, you can opt out of such offers by calling:
(888) 5 OPT OUT. (888-567-8688)

If you want to remove your name from many national direct mail lists, send your name and address to:

DMA Mail Preference Service
P.O. Box 9008
Farmingdale, NY 11735-9008

If you want to reduce the number of telephone solicitations from many national marketers, send your name, address, and telephone number to:

DMA Telephone Preference Service
P.O. Box 9014
Farmingdale, NY 11735-9014
 

 
 FBI Check Fraud Alert
 
If you can answer "Yes" to any of the following questions, you could be involved in a Fraud or about to be scammed!
  • Is the CHECK from an item you sold on the Internet such as a car, boat, jewelry, etc?
  • Is the amount of the CHECK more than the item's selling price?
  • Did you receive the CHECK via overnight delivery service?
  • Is the CHECK connected to communicating with someone by email?
  • Is the CHECK drawn on a business or individual account different than the person buying your item?
  • Have you been informed that you were a winner of a LOTTERY?
  • Have you been instructed to WIRE, SEND or SHIP MONEY, as soon as possible to a large US city or to another country such as Canada, England, or Nigeria?
  • Have you been asked to PAY money to receive a deposit from another country such as Canada, England, or Nigeria?
  • Are you receiving PAY or a COMMISSION for facilitating money transfers through your account?
  • Did you respond to an email requesting you CONFIRM, UPDATE or PROVIDE your account information?
If so, TELL BRANCH PERSONNEL IMMEDIATELY!
 

 
 Other Information