Security Center

If you suspect that you may have been the victim of identity theft or that your financial accounts have been compromised, immediately implement the following steps:

1. Contact Community Resource Credit Union at 800.238.3228 or e-mail us to report the incident.. Report what has occurred and immediately close the account(s) that have been compromised.
2. Contact each of the three major credit bureaus, ask for their fraud department and request that a fraud alert be placed on your credit file.
   • Equifax: 800-525-6285
   • Experian: 888-397-3742
   • TransUnion: 800-680-7289
3. If you expect that your Social Security number has been compromised, contact the Social Security Administration hotline at 877-438-4338.
4. File a police report – retain a copy for your records – and contact all of your credit card issuers and other creditors to voluntarily report your identity theft.
5. File a complaint with the Federal Trade Commission, which maintains a database of identity theft cases used by law enforcement.

• Call or email the credit union to explain that someone stole your identity and ask them to close or freeze the compromised account.
• If fraud is a result of using your computer or phone, have your equipment scanned for malicious software.
• Add alerts to your credit report to receive notifications if you have any changes.
• Contact your local Police Department to make a report, if you are a victim of fraud.
• Change your home banking username and passwords.
• Check your credit reports from all three credit bureaus. Including TransUnion, Equifax, and Experian. This can be done one time a year at no charge by visiting www.annualcreditreport.com.

3 Warning Signs:

• Taxpayer learns of duplicate SSN either from IRS notice or e-File return reject(s)
• IRS notice about additional tax owed, refund offset, or collection action when no tax returned filed
• Taxpayer receives information from an employer unknown to them

Steps for Victims of Tax-Related ID Theft

• Complete and file IRS Form 14039
• Promptly respond to any and all IRS letters or notices (Victim cooperation important for investigation)
• Continue to pay taxes, even if by paper
• Place a “fraud alert” on credit accounts by contacting one of the 3 main credit bureaus
• Close all accounts opened by criminals
• File a complaint with FTC
• Contact local law enforcement

Verify Tax Preparer

• Choose preparer carefully
  • Entrusting with private financial information
  • Verify information is protected!
• Confirm tax preparer’s IRS Preparer Tax Identification Number online at IRS Directory of Federal Tax Return Preparers - https://irs.treasury.gov/rpo/rpo.jsf

The Electronic Funds Transfer Act is commonly referred to as “Regulation E”. Electronic Funds Transfers services using debit cards, Touchtone Teller, Online Banking, Mobile Banking and Bill Pay have certain protections and liabilities under Regulation E, including:

• You have the right to receive periodic statements and if your statement shows transfers you did not make, you have 60 days after the statement was mailed to you to notify CRCU. You may authorize periodic or recurring automatic payment from, and deposits into, your account. You have the right to stop payment on regular payments with three business days or more advance notice.
  
  Tell us at once if you believe your card has been lost or stolen or if you believe someone has used any EFT service, MasterCard® or access code, or otherwise accessed your accounts with us without your authority, or if you believe that an electronic funds transfer has been made without your permission using information from your check.
  
  If you tell us within two (2) business days of discovery that your card has been lost or stolen, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn that your card has been lost or stolen or that there has been unauthorized use of an EFT service, and we can prove that we could have stopped someone from accessing your account without your permission, you could lose as much as $500.
• Never keep your PIN with your debit card as you may be liable for unauthorized use. You are liable for all transfers of purchases made via your card, access code or passwords that you authorize or allow. You have no right to stop payment for terminal transactions, as those transactions are immediately deducted from your account.