The sooner you report fraud—either suspected or committed—the better your chances are of minimizing the amount of damage a fraudster can do to your account. At VyStar, we understand how stressful it is to be a victim of fraud. That’s why we’re here to help you through each step of the reporting process: so you can worry less and get back to enjoying what matters most in life. If you think your personal information has been stolen, use the guides below to take immediate action.
How to Report It
If you believe you are a victim of debit (DBT) fraud, there are several ways you can report it:
Once your claim is submitted, the card that was used for the fraudulent transaction must be canceled. If you filed the claim with the Call Center or during non-business hours, you will need to visit a branch to sign the claim form. If you filed the claim in the branch, you will sign the form at that time. If you filed through Internet Banking, the form contains your electronic signature; you will not have to visit a branch.
If you notice transactions you didn’t make, you should report it immediately in one of the following ways:
Any unauthorized withdrawals should be reported immediately. You can do this in any of the following ways:
Once VyStar receives your claim, we will begin investigation. If any additional information is needed, we will contact you by phone. In the meantime, you should file a police report and notify VyStar of the report number. There is no provisional credit on a forgery.
If you see that your points accrual is less than you know or expect it to be, you should report it in one of the following ways:
If you notice any unusual activity on your accounts, please report it in one of the following ways:
You should also contact any of the three major credit bureaus to place a fraud alert on your credit file. While in contact with them, you can order a credit report to identify any unauthorized activity.
In addition, the Federal Trade Commission (FTC) provides a variety of useful information and resources related to identity theft, including an ID Theft Affidavit for disputing accounts opened in your name without your authorization. You may also want to inform them of suspicious activity by emailing email@example.com, going to their website at www.consumer.gov/idtheft or calling 877-IDTHEFT.
Consider protecting yourself with FraudScout™ fraud and credit monitoring services, available to VyStar Credit Union members.