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.
Steps to Follow
If you believe you have been a victim of identity theft, please follow these important steps.
- Report the fraud immediately to your creditors including your credit union, credit card companies, and mortgage company.
- 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.
- Carefully monitor the account activity on your statements. Report fraudulent activity to the issuing company immediately.
- Place a fraud alert on your credit report. To do so, contact the three major credit bureaus:
- Equifax - 800.525.6285
- Experian - 888.397.3742
- TransUnion - 800.680.7289
- Notify Social Security Fraud Hotline - 800.269.0271 or 1-800-772-1213 (Local Office 1-877-628-6570)
- 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) - 877.438.4338
- Call MembersAlliance Credit Union at 815.226.2260 to let us know that you suspect fraudulent activity on your account(s).
- 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 convenient locations to fill out forms or whether your situation can be taken care of over the phone.
- We will be able to review your account history with you to ensure that all unauthorized purchases and or transactions have been spotted and resolved.