If You Suspect Fraud

Have you been a victim of “phishing”, "vishing", or "smishing"?

Identity theft and fraud are serious crimes that can cause you serious problems. If a scammer gets ahold of your information, it may take months or even years to repair the damage. However, if you catch and report suspicious activity early, you can sometimes beat the scammers and prevent a lot of headaches. By taking the proper steps, you can possibly even help prevent the scammers from stealing other potential victims information.

If you are targeted by a scammer:
First and foremost, report the scam. Credit unions and other financial institutions have several tools at our disposal that we can take advantage of when we know that our members or customers are being targeted by scammers. It's a good practice to always report your findings to your institution - You just might be the first to report an incident.

**ACU members: Report ID theft by filling out our web form on the contact us page.

If you respond to a scam attempt or spot fraudulent activity on your account:
Don't worry just yet - scammers are good at making you comfortable while they are stealing your information. Even the most diligent and safe members can still fall victim to a clever scam. However, speed becomes important if you give your information to a scammer. You may have only hours before they start using your information!

  • Alert the institution. The institution where the account is located will be your first line of defense. If the account in question is a credit or debit card, call the number on the back of the card. You may have to close and reopen a new account or get a new card, but it's much cheaper than trying to recover stolen funds!

    **ACU members: Call 800-245-8112 immediately to consult one of our member representatives.

  • Watch your account! Usually scammers choose to use your information immediately, but occasionally they will hang on to it for a while before using it, hoping to catch you unaware after time has passed.

  • Place a Fraud Alert You can add a fraud alert or credit freeze with the credit bureaus, which places restrictions on your credit information. Any actions taken to open new accounts or establish credit in your name then require greater scrutiny. Click here for more specific information.

  • File a complaint. Visit the FTC's Identity Theft Website to file your complaint and learn how to minimize the risk of further damage from ID theft.
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