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Fraud Protection |
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Holy Rosary Credit Union is concerned about the increase in fraud, through the internet and other areas. We hope this page will help you protect yourself. We will be updating it and adding to it as soon as we hear anything that we think might help you, so check it frequently. And don't forget, we are here to help, so if you are doubtful call us before you give out any personal information.
** Important Reminder to all HRCU members **
HRCU would like to remind you to guard your account information.
HRCU will never ask for your account information
over the phone or via email.
If you are contacted by someone claiming to be from HRCU who asks for you to give or confirm account information, please DO NOT offer the information, and contact us immediately at (877) 895-6840.
A member received a phone call from someone stating they were from HRCU offering a new credit card with a low interest rate of 5.99%. They asked the person for their personal information which he declined to give.
Identity Theft:
Identity theft occurs when someone else uses your name and social security number to set up false credit accounts, write bad checks and/or enter into contracts in order to defraud. In order for someone to do this they must have access to personal information such as name, social security number, address, date of birth etc. Unfortunately this information is not that hard to obtain these days. There are some things you can do to protect yourself.
- Don't put your social security number on your checks or any other papers that you may give out. Member social security numbers used to be printed on our statements until about ten years ago, when a member pointed out that should a statement become lost or stolen their account number and SSN would be there for the taking. We took it off. So should you
- Never give out any other information when making a credit card purchase. Retailers will sometimes ask you for your phone number or other information when taking a credit card for purchase. VISA (or MasterCard for that matter) does not require this and if they follow the VISA guidelines they don't need it. Refuse, they won't give up the sale.
- Take inventory of the things you carry in your wallet. You may carry your Social Security card or have store credit cards you hardly ever use. These can be stolen and used before you even know they are missing. Check them on a monthly basis, maybe when you balance your checkbook...you do balance your checkbook don't you.
- The federal government has passed a law that allows you to check your credit rating once a year. Do it. Here is the link annualcreditreport.com or call toll free (877) 322-8228. Note: be careful of offers that don't offer this link see above.
- When a wallet is stolen or your house broken into let us know immediately. The sooner we catch this, the better off you will be.
- Pay attention if you get a collection call from a company you never heard of or if you get turned down for a loan. This may be the first indication someone else is using your name.
What to do when you think your Identity is in jeopardy:
- Come see us, we will help you through the process
- Come in even if you aren't sure, we won't mind, we'd be relieved to tell you its nothing.
- Once it is confirmed report it to the police
| Credit/Debit Card Fraud |
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It seems as though there is a new scheme for credit/debit card fraud everyday. The most important thing that you should know is that you are protected from most liability by law. If your credit/debit card is lost or stolen, if someone uses your number on-line you are not liable. So don't let anybody sell you credit card "insurance" you don't need it. You do, however, have to follow certain rules.
- Don't give out your PIN number to anybody. It is considered permission to use the card. An on-line company never needs your PIN, if they are asking for it they are doing something fraudulent. And don't hand your card to your son's girlfriend's nephew's brother and tell him your PIN so he can pick you up $20.00. If you give out your PIN and they use it, all liability switches back to you.
- Don't give out any information on-line unless you initiated the transaction. As a matter of fact your security number, (the last three numbers of the longer number above your signature on the back of the card) should only be requested if you are purchasing something or if you initiated the transaction.
- Buying on line is usually safe if you:
- Deal with a company you know
- Look for the Verisign logo
- Don't have them store your information put it in fresh each time
- You initiate the transaction
- Check your bank statements carefully. There is a timeframe for reporting transactions that may not be yours. And it is a great help to us.
- Check your credit card statements carefully, same reasons as above.
- Be careful at ATMs.
- Don't allow anyone to see you put in your PIN.
- Look out for oddly placed mirrors.
- Try to use machines in established businesses
- Don't use machines in deserted and/or badly lit spaces.
- Put your money away immediately.
- Look up ATM locations before you travel, you never know who you might have to ask for directions otherwise, and besides then you can look up machines that are surcharge free.
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