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Fraud & Identity Theft Center

We would like to introduce you to good anti-phishing and anti-check fraud information websites, so you don't fall victim to Internet phishing or fake check scammers. http://www.fraud.org/money_making

IMPORTANT NOTICE: PHISHING & SPOOFING

With the recent rise in email and internet scams (phishing and spoofing scams), it is extremely important to never disclose any of your personal information over the phone or online, unless you have verified the authenticity of the individual or website.

F&A Federal Credit Union assures you that we will never initiate calls or send emails to our members asking for personal member information, such as Social Security Number, address, credit card numbers, etc. F&A routinely asks for verification of members contacting the credit union. This is just one of the security measures taken when conducting business transactions. If you have questions or concerns regarding identity theft, please feel free to contact the credit union.

Protect Yourself from Identity Theft

It is estimated that 9.9 million Americans were victims of identity theft in 2004. Identity theft is the fastest growing crime in America, according to a Federal Trade Commission survey!

Don't become identity theft's next victim
There are simple precautions that will keep your identity safe. We've provided the following information as a courtesy to help protect you from identity fraud and other criminal activities.

Review the links and information on this page to learn how to protect your personal and financial information.

If your identity has been stolen, here's what to do:

  • Call F&A Federal Credit Union at 800-222-1226 for immediate assistance.
  • Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you at no cost.
  • Credit Bureaus: Experian, Equifax and TransUnion.
  • Close the accounts that you know or believe have been tampered with or opened fraudulently.
  • Use the FTC's ID Theft Affidavit when disputing new unauthorized accounts.
  • File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
  • File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps us learn more about identity theft and the problems victims are having so that we can better assist you.
  • If you believe you have been a victim of mail fraud, submit a mail fraud complaint form with the U.S. Postal Inspection Service.

Be Smart. Protect Yourself from Identity Theft
The following information is designed to safeguard your financial information.

Actions for Fraud Victims

If you suspect fraud, it is important to act quickly to minimize potential damage and your own liability. It is important to keep a detailed account of conversations you have with authorities and financial institutions.

Credit Bureaus. Immediately call the fraud units of the three credit reporting companies -- Experian (formerly TRW), Equifax and Trans Union . Ask that your account include a statement referencing the possibility of fraud.

Creditors. Contact all creditors immediately with whom your name has been used fraudulently -- by phone and in writing. Monitor your accounts closely for any further fraudulent activity.

Law Enforcement. Report the crime to police with jurisdiction in your case. Provide any documentation that you have collected. Get a copy of your police report. Keep the phone number of your fraud investigator handy and give it to creditors and others who require verification of your case.

Financial Institutions. If you have checks stolen or bank accounts set up fraudulently, contact the institution to report the crime. Put stop payments on appropriate outstanding checks. Close your checking and savings accounts and open new accounts. If your ATM card is stolen or compromised, get a new card and PIN. When choosing a PIN, don't use common numbers like the last four digits of your Social Security number, your date of birth, license number or street address.

U.S. Postal Service. Notify the local Postal Inspector if you suspect an identity thief has filed a change of your address with the post office or has used the mail to commit credit or bank fraud.

Social Security Administration. Call to report fraudulent use of your Social Security number.

Department of Motor Vehicles (DMV). Call to see if another license was issued in your name. Go to your local DMV to request a new number. Also, fill out the DMV's complaint form to begin the fraud investigation process. Send supporting documents with the completed form to the nearest DMV investigation office. Request a driver's license number different than your Social Security number if available in your state.

Civil Courts. If a civil judgment has been entered in your name for actions taken by your impostor, contact the court where the judgment was entered and report that you are a victim of identity theft. If you are wrongfully prosecuted for criminal charges, contact the state Department of Justice and the FBI.

How to OPT-OUT of Credit Card Pre-Approvals

You can OPT OUT of credit card and other pre-approvals easily! When you do, you can choose to either opt out permanently or for five years.

You can either call 1-888-5-OPT-OUT or go to optoutprescreen.com .

It won't eliminate every pre-approval. Frequent flier cards and hotel points cards are not blocked, for example. But it will take care of most of the offers you would have received.

Fraud Awareness Resources
onGuardOnline.gov
OnGuardOnline.gov provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, secure your computer, and protect your personal information. Federal Trade Commission
Your National Resource for ID Theft information. Internet Safety
For computer security and Internet safety. The Anti-Phishing Working Group
Learn about phishing and pharming, and how to report suspicious emails.
National Check Fraud Center A complete source for assistance, information, and alert reports concerning check fraud, counterfeit checks, forgery, bank fraud, white collar crimes, plus more. Identity Theft Resource Center
An information resource for consumers and victims. Contains scam alerts, current laws, survey results, informational guides, and much more. Privacy Rights Clearinghouse
ID Theft facts, helpful publications, victim stories, and informational links. U. S. Department of Justice
The official ID Theft website of the U. S. Department of Justice. LooksTooGoodToBeTrue.com
Learn about fraud.

https://www.ftc.gov/

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