Identity theft happens when someone uses your Social Security number or other personal information to open new accounts, make purchases, or get a tax refund. All consumers are vulnerable to becoming victims of fraud and identity theft. It is crucial to make the effort to protect yourself.
WAYS YOU CAN PERSONALLY TAKE ACTION:
Be Observant when Withdrawing Money from ATMs. Look for worn down parts and malfunctioning screens. These may indicate the presence of a card skimmer. Contact customer service if you think you have used a compromised ATM.
Monitor Your Checking and Savings Accounts. Use mobile banking and check your accounts frequently. Sign up for alerts that instantly notify you of transactions.
Check Your Credit Report. Every Consumer in the U.S. is entitled to check their credit report once a year. Access your credit report at AnnualCreditReport.com.
Username & Passwords. Safeguarding your username and password is one of the most important things you can do to protect yourself from online identity theft. Below are some key things to consider.
- Never share your username and password.
- Be mindful of your Wi-Fi connection. Never log in to your account through a public or unsecured connection.
- Change your passwords every 30-60 days especially if you are using third-party aggregators such as Mint, Quicken, or Acorn.
WAYS WE ARE TAKING ACTION FOR OUR MEMBERS:
We diligently monitor accounts and verify suspicious transactions.
We take extra precaution confirming member identity.
We provide 24-hour phone support for lost or stolen cards.
We offer the ability to change personal identification numbers (PINs) on USSFCU cards at USSFCU ATMs.
We do not hold members liable for unauthorized transactions on their USSFCU cards.
JUST A REMINDER: USSFCU will never ask you for your personal information via text or email. Personal information includes your credit card number, member number, social security number, date of birth, etc. If you receive a text or email from USSFCU requesting any personal information, do not reply. Contact us immediately at 800.374.2758.
If you believe that someone is using your personal information, visit IdentityTheft.gov. IdentityTheft.gov is the federal government’s one-stop resource to help you report and recover from identity theft. The site provides step-by-step advice and helpful resources like easy-to-print checklists and sample letters.
For additional resources and information on identity theft and fraud visit the website of the Federal Trade Commission.
Three major credit reporting agencies:
Equifax Credit Information Services – Consumer Fraud Division
Phone: (800) 997-2493
Phone: (888) EXPERIAN (397-3742)
TransUnion Fraud Victim Assistance Department
Phone: (800) 680-7289