Identity theft (or "true name fraud") occurs when a criminal obtains and uses a consumer's personal information such as credit card numbers, bank account numbers, insurance information, and Social Security numbers to purchase goods or services fraudulently. Generally, criminals will do this by opening new accounts in your name, purchasing products, and then leaving you to pay the bill.
One of the reasons we ask for ID when you make a withdrawal is to help protect your accounts against identity theft and fraudulent transactions.
Here are some suggestions from the State of Ohio Attorney General:
Visa Debit Card: 1-866-820-1042
After hours Credit Card Number : 1-800-449-7728
During business hours, you can call the Credit Union.
It is important to report fraudulent activity to the credit bureaus because you may establish a written record of the theft or loss of your cards. A "victim statement" can be added to your records explaining the circumstances under which your cards were lost or stolen, which may protect your credit. You may also ask to be contacted before any new credit is granted in your name.
Contact the fraud department of one of the three national credit bureaus. Add a "fraud alert" to your credit file to aid in the prevention of further fraudulent activities.
Once your fraud alert is confirmed, the other two credit bureaus will be automatically notified. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts.
|Experian||www.experian.com||To report fraud call: 1-(888) EXPERIAN (397-3742)|
|Equifax||www.equifax.com||To report fraud call: 1-(800) 525-6285|
|Trans Union||www.transunion.com||To report fraud call: 1-(800) 680-7289|