How to Prevent Fraudulent Charges
Fraudulent charges occur when someone steals your personal information through a security breach or other means and uses it to open new accounts or initiate transactions in your name. If you believe you are a victim of identity theft, report it immediately and follow the additional steps below. In addition, if your information has been compromised through a security breach, consider placing a fraud alert on your credit file with the three major credit bureaus.
1. Contact us immediately!
Our customer service number is 888-518-7053 or call your local bank. You can find those numbers by clicking on your bank location at the top of the navigation.
2. Contact the major credit bureaus.
You can request that the three main credit bureaus place a fraud alert on your credit file. This will ensure that creditors are required to verify your identity before allowing any new accounts to be opened in your name or changing any existing accounts.
3. Contact other creditors.
Contact your other creditors, including credit card and phone companies, banks, and other lenders, to notify them of potential fraud or identity theft.
Close any accounts that have been breached and reopen them with new account numbers and passwords.
4. File a report with the local police.
A police report may lend credibility to your case when dealing with creditors, who may require proof of criminal activity. Be sure to request a copy of the police report.
5. Report criminal activity to the Federal Trade Commission (FTC)