How to Report Fraud
If you suspect you are a victim of fraud or that your account at MembersAlliance Credit Union has been compromised, please follow these important steps immediately.
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Steps to Follow
Report the fraud immediately to your creditors & monitor account activity. Examples include: your credit union, credit card companies, and mortgage company.
- Place a fraud alert on your credit report. To do so, contact the three major credit bureaus:
- Equifax - 800.378.4329
- Experian - 888.397.3742
- TransUnion - 800.680.7289
- Notify Social Security Fraud Hotline. National Office 800.772.1213 (Local Office 877.628.6570)
- File a police report. Provide them with as much documentation as possible. Make sure that the accounts are listed on the police report and request a copy of the police report.
- Notify the Federal Trade Commission (FTC).
- Secure online accounts. Change your password to your online accounts such as social media and emails to ensure they are secure.
- Place a Chexsystems Security Freeze. This makes it difficult for someone to open a bank account in your name if your identity has been stolen. 800.887.7652 | chexsystems.com
Be sure to keep records and document all communications with the creditors and government agencies you contact, include the date and the name of the person you were in contact with. Follow up all telephone contacts with a letter and keep a copy.
How to Notify Us About Fraud
Call MembersAlliance Credit Union at 815-226-2260 to let us know that you suspect fraudulent activity on your account(s).
- To report a lost or stolen debit card after business hours please call 800-426-9757 immediately.
- To report a lost or stolen credit card after business hours please call 800-234-5354 immediately.
- For suspected credit card, please call our fraud center at 866-518-0213.
Look through your account history and make a list of all items that are not yours.
Someone from our Accounting Department will determine if you need to stop by one of our locations to fill out forms or whether your situation can be taken care of over the phone.
We will review your account history with you to ensure that all unauthorized purchases and or transactions have been spotted and resolved.
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How to Prevent Fraud
At MembersAlliance Credit Union we take every precaution we can to safeguard and protect your personal and confidential information. We also urge our members to educate themselves on the different types of fraudulent activity that could occur. We believe the more you know, the better prepared you will be to stop fraud.
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Identify Fraud & Scams
Visit our blog for updates on the latest fraud & scams so you can identify potential fraud easily.
Some of our top articles include:
Phishing Emails
Fake Check Scams
Payment App Fraud
Fraud Prevention
There are steps you can take to keep your personal information secure. Find out the best practices to protect your information when using an ATM, digital banking, or surfing the internet.
Get 24/7 Protection
Consider IDShield. A 24/7 support service that constantly monitors your identity for suspicious activity, and helps you repair the restore your identity should any fraud occur. Members at MembersAlliance receive a special discount for this service.
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