Fraud and Security

Important Fraud Alerts

LRRCU DOES NOT CONTACT MEMBERS VIA TEXT MESSAGING. BEWARE OF TEXT MESSAGE SCAMS!

We will not contact members via text or email to deactivate your credit or debit card. Members should never call back or email back private account information; be sure you know who you are dealing with. Please track your spending; make sure all transactions have been authorized by you. Members have 60 days to notify LRRCU of fraudulent charges. LRRCU has many fraud detectors in place but if a scammer gets the necessary information you may see invalid transactions… it’s crucial for you to know where your money has gone.

For more resources or to report a scam: www.FTC.gov and www.ic3.gov

Be aware, be proactive… know your transactions and know where you can get assistance if you are a victim of fraud.

Fraud and Security Information

Lost or Stolen Visa® Debit Card & ATM Card Hotline: 1-800-472-3272
Lost or Stolen Mastercard® Credit Card Hotline: 1-800-472-3272
If you prefer not to receive pre-approved offers of credit, you can opt out of such offers by calling: 1-888-5 OPT OUT. (1-888-567-8688)
If you want to remove your name from many national direct mail lists, send your name and address to: DMA Mail Preference Service, P.O. Box 9008, Farmingdale, NY 11735-9008
If you want to reduce the number of telephone solicitations from many national marketers, send your name, address, and telephone number to: DMA Telephone Preference Service, P.O. Box 9014, Farmingdale, NY 11735-9014
Consumer Protection – If you think you have been taken advantage of or if you have questions about an offer you received in the mail, online or on the phone, call the Pennsylvania Attorney General’s Bureau of Consumer Protection Hotline at 1-800-441-2555 or visit the Attorney General’s website. For more information, visit attorneygeneral.gov.
The Federal Trade Commission – Protect Consumers: Prevent fraud, deception, and unfair business practices in the marketplace. For more information, visit ftc.gov.
USA.gov – Find information just for you – whether you’re a kid, parent, teen, senior citizen, veteran, Native American, researcher, teacher, government employee, American abroad, Spanish-speaker, or visitor to the U.S. For more information, visit usa.gov.
How Do I Contact the Three Major Credit Reporting Agencies?
- Equifax, P.O. Box 740241, Atlanta, Georgia 30374-0241.
  - To report fraud: (800) 525-6285 or write to address above.
  - To order a credit report: (800) 685-1111.
  - To opt out of pre-approved offers of credit: (888) 567-8688 or visit http://equifax.com/
- Experian, P.O. Box 2104, Allen, Texas 75013.
  - To report fraud: (888-397-3742) or write to address above.
  - To order a credit report: (888) 397-3742.
  - To opt out of pre-approved offers of credit: (888) 567-8688 or visit http://www.experian.com/
- Trans Union, P.O. Box 6790, Fullerton, California 92634.
  - To report fraud: (800) 680-7289 or write to address above.
  - To order credit report: (800) 916-8800.
  - To opt out of pre-approved offers of credit: (888) 567-8688 or visit http://www.transunion.com/
- Identity Theft Resource Center – idtheftcenter.org
- Government ID Theft Resource – idtheft.gov

Password Security

LRRCU’s online banking and Mobile services provide our members a convenient way to access their account information. These services also enable members to quickly and easily perform various functions, including checking account balances, Bill Pay, and eStatements. However, if your login information was compromised, these same convenient services could allow an unauthorized person to commit fraudulent activity, or even steal your identity. Your online banking login credentials are the most critical asset you have to protect your account information from unauthorized access. Therefore, LRRCU recommends that you create a password that: is 8 characters in length (although longer passwords are more secure)

contains at least one number
contains at least one uppercase letter
contains at least one lowercase letter
contains at least one of the following special characters: !#$%(*)+,-/;=?[\]^_'{}
does not contain a name, words found in the dictionary, or words found in popular culture

Creating a strong complex password is the first step in ensuring your password security. Below are some other guidelines that LRRCU recommends you to follow.

Do not share your password with anyone. Additionally, do not write your password down on paper or other media such as sticky notes.
Change your password regularly. If you at all suspect that your password may have been compromised, you should change it immediately.
Do not use the same password for multiple websites.
Make sure your computer has a antivirus/antimalware program installed and up to date. You can review a list of security software tools to find the right solution for you.
Avoid accessing online banking from public computers, or on public Wi-Fi. Others may be able to intercept information you send while connected to a public network.
Make sure your computer is protected from malware.

Identity Theft Resources

The one thing that's unique to you is your identity. When someone else assumes your identity by stealing your social security number or other unique identifiers particular to you, your world as you know it now can turn upside down. Getting it back to normal can cost thousands of dollars and more time than you can imagine.

Take the time to review these valuable resources to protect who you are. If you are a parent, remember too that many children are now falling victim to this growing crime. Learning as much as you can and protecting your important personal information may make a big difference one day.

FTCs Deter Detect Defend:

The Federal Trade Commission offers a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect, and defend against identity theft.

OnGuard Online Identity Theft:

Don't become identity theft's next victim. There are simple precautions that will keep your identity safe.

Tips for Monitoring and Protecting Your Personal Data

Review your credit report at least once a year. You can obtain a free copy of your credit report from www.annualcreditreport.com. You can also contact each credit bureau directly:
- Equifax, P.O. Box 740241, Atlanta, GA 30374-0241
- Experian, P.O. Box 9532, Allen, TX 75013, experian.com, 1-888-EXPERIAN (397.3742)
- TransUnion, P.O. Box 6790, Fullerton, CA 92834-6790, 1-800-916-8800
Should you find any suspicious activity on your credit report or have reason to believe your information is being misused, contact your local enforcement agency or Attorney General’s office, and file a police report. If you file a police report, make sure to get a copy of it — which you have a right to do — and retain it for future reference.
Report fraudulent Internet crime to the Internet Crime Complaint Center (IC3) at ic3.gov. This resource — a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center and the Bureau of Justice Assistance — provides a central referral mechanism for complaints involving Internet-related crimes.
You can also contact each credit bureau directly (see contact information above) to place a security/fraud alert on your credit file. A security/fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. If you wish, you can take the additional step of requesting a security freeze on your credit report. A security freeze prohibits a credit bureau from releasing any information in your credit report without written authorization. Please be aware, however, that placing a security freeze on your credit report may interfere with the timely approval of any requests you make for new credit, loans or other services. When requesting a security freeze, you will need to provide your full name, Social Security number, date of birth, home addresses within the past five years, proof of your current home address (such as a utility bill) and a copy of your driver’s license or other government ID card. The agency may charge a fee to place and remove a security freeze. This fee is generally $10 or less and may be waived if you provide a valid copy of a police report.
Tear or shred all documents containing personally identifiable information — including your Social Security number, checking and savings account numbers, date of birth, home address and zip code. This will help prevent your personal data from ending up in the hands of others.
Always keep your PIN numbers and other account information hidden. Do not write your PIN on your credit, debit or ATM card.
Criminals often seek to take advantage of situations like this to try to obtain personal information, like credit and debit card numbers, PINs and Social Security numbers. We will not send emails or telephone you asking for personal information. If you receive an email or telephone call claiming to be a representative of Heartland, please do not provide any personal information.

If you have any questions or concerns, please feel free to contact us at 717-295-6685.

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