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Whether you want to become more familiar with fraud or you have become a victim of fraud, the steps you take can affect how big of an impact that fraud has on you!

Identity Theft/Fraud

Take these steps to help recover or minimize the effects of Identity Theft/Fraud. Although these are not all inclusive, they do provide a good starting point on the road to recovery.

  1. Notify your bank(s)/credit union(s). CVCU Locations
  2. Close or Transfer from compromised account to new account(s). Be sure to redirect any of your automated payments
  3. Close any credit/debit cards affected and have new one issued.
  4. Change usernames and passwords of any affected account from a known trusted computer.
  5. Request all fraudulent accounts be closed.
  6. Put a “Fraud Alert” on your credit report.
  7. Obtain and review your credit report (disputing any unauthorized activity).
  8. File a police report.
  9. File a report with the Federal Trade Commission.
  10. Monitor your account(s) and credit for potential future problems.

Additional Resources

Credit Card Fraud

Credit Card Fraud Take these steps to help recover or minimize the effects of Credit Card Fraud. Although these are not all inclusive, they do provide a good starting point on the road to recovery. 

  1. Notify your bank(s)/credit union(s) who hold the card that was compromised. 
  2. Close or Transfer from any compromised credit/debit card affected and have new one issued. 
  3. Change usernames, passwords, and PIN of any affected card from a known trusted computer. 
  4. Obtain and review your credit report (disputing any unauthorized activity). 
  5. File a police report. 
  6. Monitor your account(s) and credit for potential future problems. 

Additional Resources

Debit/MasterCard Fraud

Take these steps to help recover or minimize the effects of Debit/MasterCard Card Fraud. Although these are not all inclusive, they do provide a good starting point on the road to recovery.

  1. Notify your bank(s)/credit union(s) who hold the card that was compromised. For Coosa Valley Credit Union members, call 1-800-500-1044  to report your compromised debit card(s).
  2. Close or Transfer from any compromised credit/debit card affected and have new one issued.
  3. Change usernames, passwords, and PIN of any affected card from a known trusted computer.
  4. Obtain and review your credit report (disputing any unauthorized activity).
  5. File a police report.
  6. Monitor your account(s) and credit for potential future problems.

Additional Resources

Phishing Scam/Fraud

Take these steps to help recover or minimize the effects of a Phishing Scam/Fraud. Although these are not all inclusive, they do provide a good starting point on the road to recovery.

  1. Do NOT provide any additional information to the phishing sender/site.
  2. Notify your bank(s)/credit union(s) of what was received and what pertinent information has been given out. For Coosa Valley Credit Union members, call one of our branch locations nearest you to report/dispute your Phishing Scam.
  3. Review information given out and contact any additional financial institutions if needed.
  4. Close or Transfer from any compromised credit/debit card affected and have new reissued.
  5. Change usernames, passwords, and PIN of any affected card from a known trusted computer.
  6. Obtain and review your credit report (disputing any unauthorized activity).
  7. File a police report.
  8. Monitor your account(s) and credit for potential future problems.

Internet Malware

In case of suspected compromise via Internet Malware/Fraud, take these steps to help recover or minimize the fraud.

  1. Change usernames, passwords, PIN, etc. (of any potential site or card affected) from a known trusted computer. For Coosa Valley Credit Union members, call one of our branch locations nearest you to aid in your password & PIN changes. 
  2. Clean infected computer with Anti-Virus and Anti-Malware OR take to a reputable computer technician to have the infected computer cleaned.
  3. Obtain and review your credit report (disputing any unauthorized activity).
  4. Review account(s) for suspicious/fraudulent activity