We are committed to helping you – our member – protect yourself from fraud. As one way to demonstrate this commitment, we have compiled helpful information to enable you to protect your personal privacy and financial security. In addition, should you encounter fraud or identity theft, we have also included guidance on how to notify us and others, as appropriate.
As soon as you realize that you may have been a victim of an identity theft, it is important to take immediate action. An aggressive response on your part may help reduce your exposure to financial loss.
Contact your local police department
In the event of identity theft, it is important that you notify your local police department and file a report. Be sure to request a report number or a copy of the report for your records and, if necessary, to include with any affidavit you may need to provide.
Contact the Federal Trade Commission
The Federal Trade Commission (FTC) maintains the Identity Theft Clearinghouse; the federal government’s centralized identity theft complaint database. We encourage you to contact them and report your identity theft in one of these ways:
•Visit the website at http://www.ftc.gov/bcp/edu/microsites/idtheft/
•Call toll-free to 1-877-438-4338
•Send information via U.S. Mail to:
Identity Theft Data Clearinghouse
Federal Trade Commission
600 Pennsylvania Ave. NW
Washington, DC 20580
Should you become a victim of identity theft or if you believe your Credit Union account information may have been compromised, please contact us immediately so we can process your claim. You may contact us as follows:
Kraftman Federal Credit Union 318-281-2804 or email at firstname.lastname@example.org
We take identity theft seriously. If a criminal has opened an account in your name, we will help you by:
•Walking you through your credit report to identify other suspicious accounts
•Notify the companies holding the suspicious accounts
•Place fraud alerts at the credit bureaus
•Share information with law enforcement agencies and the Federal Trade Commission
Email Fraud, Phishing or Spoofs
The Credit Union will never send an email request asking for you to verify or update personal information or passwords by replying to the email or by going to a website through a link included with the email. Even if you don’t provide information, by clicking on the link you could expose your computer’s operating system to a virus or to software that enables criminals to “eavesdrop” on your keystrokes and capture your passwords and other confidential information. If you believe you have received or replied to a suspicious email and provided private information about your account, please contact us immediately at [318-281-2804].
Lost or Stolen ATM or Debit Card
Please report a lost or stolen ATM or Debit Card by immediately calling [1-800-383-8000]. We will ensure that your current card is cancelled and that a new card is sent via U.S. Mail.
Lost or Stolen Credit Card
Report a lost or stolen credit card to us immediately by calling the phone number available on your credit card statement. If the statement is not readily available, please contact us directly at [1-800-808-7230 or after hours 1-800-991-4964). Remember, the longer you delay, the more time the thief has to make charges on your account.
Notifying Credit Bureaus
It is highly recommended that you contact the three national consumer reporting agencies if you believe you have been a victim of identity theft. Ask each agency to place a “fraud alert” on your credit report and to send you a copy of your credit file.
Equifax – 1-800-525-6285
P.O. Box 740241
Atlanta, GA 30347-0241
Experian – 1-888-397-3742
P.O. Box 9530
Allen, TX 75013
TransUnion – 1-800-680-7289
Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92634-6790