Park Community Credit Union - Fraud Education

Fraud Education

Protect Yourself From Identity Theft

Identity theft is the fastest growing crime in America. It is estimated that 7% of all U.S. households had at least one member of the family, 12 and over, who has been a victim of some sort of identity theft.

Please note: Park Community will never contact you to ask for your debit card or checking account number. If anyone contacts you requesting this or other personal information by phone, text, or email, please contact us immediately.

Watch Read Learn and Protect Yourself

Fraud is very serious, and it’s important for you to know what you can do to protect yourself.

Whether it’s a single fraudulent charge on your account or your entire identity stolen, there are things you can do to prevent and minimize your risk of fraud.

Check out the articles and videos below to learn more about the topics that interest you.

How Identity Theft Can Harm You

Identity thieves can harm you by:

  • Running up charges on your account
  • Openning new accounts in your name
  • Taking out loans in your name
  • Using your name if they are arrested

Protect yourself and your finances from identity theft. Stop it before it happens.

What to do if Your Identity has been Stolen

 

  1. Call Park Community Credit Union at 800.626.2870 for immediate assistance.
  2. Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you at no cost.
  3. Credit Bureaus: ExperianEquifax and Trans Union.
  4. Close the accounts that you know or believe have been tampered with or opened fraudulently.
  5. Use the FTC’s ID Theft Affidavit when disputing new unauthorized accounts. (Adobe Acrobat)
  6. File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
  7. File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations.
  8. Filing a complaint also helps us learn more about identity theft and the problems victims are having so that we can better assist you.
  9. If you believe you have been a victim of Mail Fraud, submit a mail fraud complaint form with the U.S. Postal Inspection Service.
  10. FTC brochure; “Take Charge: Fighting Back Against Identity Theft.

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