Fraud Center

City & County Credit Union is committed to helping you defend yourself from fraud and identity theft. The following information will help you prevent fraud and recover from it if you are a victim. Visit our Fraud Center FAQ for additional information and help. 

Fraud Prevention

Identity theft can happen to you at any time, but the following fraud prevention and identity theft tips can help you decrease the likelihood of becoming a victim of identity theft.

  1. Before revealing personal information, find out how it will be used and if it will be shared with others.
  2. Pay attention to your billing cycles. A missing credit card bill can mean a thief has taken over your credit card account and changed your address.
  3. Check your financial institution statement each month. If you find transactions you did not authorize, contact us immediately.
  4. Only carry the credit cards you need.
  5. Do not give out personal information unless you have initiated contact and know to whom you are speaking.
  6. Keep items with personal information in a safe place. Tear or shred charge receipts, copies of credit applications, insurance forms, checks and statements before putting them in the trash.
  7. Leave your Social Security card in a secure place, and only bring it with you when needed.
  8. Be wary of promotional scams. Identity thieves can use phony offers to receive personal information.

What To Do If Identity Theft Occurs

Step 1: Call the companies where you know fraud occurred.
  • Call the fraud department.
  • Explain that someone stole your identity.
  • Ask them to close or freeze the accounts. Then, no one can add new charges unless you agree.
  • Change logins, passwords and PINS for your accounts.

Step 2: Place a fraud alert and get your credit reports
Step 3: Report identity theft to the FTC.
  • Complete the online form or call 1-877-438-4338. Include as many details as possible.
  • If you create an account, we'll walk you through each recovery step, update your plan as needed, track your progress, and pre-fill forms and letters for you.
  • If you don't create an account, you must print and save your Identity Theft Affidavit and recovery plan right away. Once you leave the page, you won't be able to access or update them.

Step 4: File a report with your local police department.
Go to your local police office with:
  • a copy of your FTC Identity Theft Affidavit
  • a government-issued ID with a photo
  • proof of your address (mortgage statement, rental agreement, or utilities bill)
  • any other proof you have of the theft (bills, IRS notices, etc.)

Steps for Certain Accounts

Utilities: If someone used your information to get cable, electric, water, or other similar services, contact the service provider.

Phones: Contact the Nation Consumer Telecom and Utilities Exchange and request your NCTUE Data Report. Review if for any accounts you don't recognize.

Government Benefits: Contact the agency that issued the government benefit and explain that someone stole your identity.

  • Ask what you need to do to fix the problem.
  • If you stopped receiving your benefits because of the identity theft, ask what you need to do to get them reinstated. You may need to appear in person or send something in writing.

Checking Accounts: Do you think someone opened a checking account in your name? Order a free copy of your ChexSystems report, which compiles information about your checking accounts.

  • To get your report, contact ChexSystems at 1-800-428-9623. Or visit their website
  • Then contact every financial institution where a new account was opened. Ask them to close the accounts.

If someone is writing bad checks against your account, contact your financial institution.

  • Ask them to stop payment on stolen checks and close your account.
  • Ask them to report the theft to its check verification system. The check verification system will tell businesses to refuse the stolen checks.
  • Also, contact any business that took the bad check. Explain that someone stole your identity. Act quickly, before they start collection action against you.

If a business rejects your checks, ask the business for an explanation. The business must tell you what information led them to reject your check.

Apartments or House Rentals: Ask the landlord who rented the property to the identity thief what tenant history services they use. Contact those companies. Ask for a copy of your tenant history report, and ask what steps you need to take to correct fraudulent information in the report.

Unauthorized Transactions 

If you have unauthorized transactions on your account, please complete the following steps:

  1. File a police report in the city where the unauthorized transaction occurred. Keep this information accessible, as it is used to process unauthorized transactions.
  2. Contact the company or merchant that put the transaction through. Keep detailed notes regarding your conversation, including the date and time of contact, the name of the person you contacted, and if the transactions were processed on the phone, in-person or on the internet.
  3. Visit a CCCU branch to complete an Affidavit of Unauthorized Entry.

You have 60 days to notify us of a fraudulent transaction on your statement and provide the necessary information regarding the transaction. After this time, we cannot guarantee that you will receive credit for the unauthorized transaction.

Fraud Center – Important Phone Numbers

CCCU Lost or Stolen MasterCard After Hours Credit Bureaus

(651) 225-2700 or
(800) 223-2801

CCCU MasterCard:

Lost or Stolen CCCU ATM/Debit Card:
(855) 448-8198 (US)
(727) 299-2449 (International)

Experian: (888) 397-3742
Transunion: (800) 680-7289
Equifax: (888) 766-0008

Linked sites are not under the control of City & County Credit Union (CCCU). CCCU is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Security and privacy policies may differ from those practiced by CCCU. The credit union does not represent either the third party or the user if a transaction is entered into with a linked site.

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