Lost or Stolen Cards
Losing your information
is scary, but we are
here to help.
- Fraud Defender
- Fraud Information
To Report a Lost or stolen Debit Cards:
In addition, call ECU’s Department of Special Services (DSS) during regular business hours at 806-358-7777 or 800-687-8144.
To Turn Debit Card On or Off Through Mobile App
If you have simply misplaced your debit card, or feel it has been stolen the on/off feature through the mobile app allows you to temporarily stop any transactions on your card. When you find your debit card just log back in and turn it back on, and your card will be ready to make purchases again. If you just can’t find your debit card, we understand, just report it lost/stolen and you will need to choose to receive a new card via mail or come to a branch to get a replacement card.
Returning an automated call from our Debit Card Fraud Department:
1-800-262-2024 This phone number is only to be used if you are returning a call from our debit card fraud department. You CANNOT call this number to report fraud or a lost or stolen card.
Lost or stolen Credit Cards:
1-855-651-7812 Option 1
In addition, call ECU’s Credit Card Department during regular business hours at 806-358-7777 or 800-687-8144.
To Verify Suspicious Activity:
1-855-651-7812 Option 2
There are a lot of options for identity fraud protection and we know it can be confusing. Education Credit Union has researched extensively on your behalf and found the highest quality services in the industry. The essential Fraud-Defender packages are available for direct purchase and offer a variety of benefits so you can find the best fit for you and your family!
The various package options include:
- Fully Managed Identity Fraud Research, Remediation and Recovery – by a certified, licensed Recovery Advocate who will do the work on your behalf to restore your identity to pre-event status, for any type of identity fraud
- Lost Document Replacement – your Recovery Advocate will assist you to replace documents that have been lost, stolen or destroyed in connection with the identity fraud event
- Credit Monitoring – continuous monitoring of all three major credit bureau reports, with alerts as often as daily when a change is detected in the reports
- Annual Credit Report and Score from all three major credit bureaus
- $1,000,000 Expense Reimbursement Insurance – to reimburse you for expenses incurred in fighting identity fraud
- Credential Vault – a highly secure online portal in which you can store up to 50 credentials such as credit or debit card numbers, account numbers, serial numbers, etc.
- Internet Monitoring – continuous monitoring of black market sites within the Internet where identity data is known to be traded, to detect misuse of your data
- Public Records Monitoring – continuous monitoring of thousands of public records databases to detect misuse of personally identifying information such as name, date of birth, and Social Security number
Identity Theft has been called the crime of the 21st Century. A new law has been passed in Texas relating to preventing identity theft. It allows the identity theft victim to place a Fraud Alert on their credit file at no cost.
A Fraud Alert is a 90 day alert on your credit file that blocks any information from being shared so that potential identity thieves can’t obtain your information. It prohibits by law the credit reporting agency from releasing the consumer’s credit report or any information from it without the express authorization of the consumer. If you think you are a victim of identity theft you can go to www.annualcreditreport.com to file an alert that will be sent to all three major credit bureaus.
For additional fraud support information, click here and select your state’s instructions link.
Financial related frauds have become one of the major concerns facing consumers in recent years. To combat the growing threat, the U.S. Government has set-up a StopFraud.gov website, which is a joint task force comprised of many government agencies (FBI, DOJ, DOL, Federal Reserve, Secret Service, etc). The website has an electronic “Report Suspected Fraud” hyperlink which will direct users on how to report any type of fraud—everything from elder abuse to securities fraud. Since this joint task force was launched in 2009, over $10 billion dollars in various fraud scheme losses have been uncovered nationwide involving well over 142,000 victims. It’s a great resource—check it out today.
The IRS is grappling with a nearly five-fold increase in taxpayer identity theft between 2008 and 2010, a Government Accountability Office official plans to tell a House hearing Thursday. There were 248,357 incidents in 2010, compared to 51,702 in 2008.
The GAO findings, obtained by The Associated Press, don’t begin to describe the pain for a first-time victim, who must wait for a refund while the IRS sorts out which return is real and which is a fraud.
Many identity thieves don’t get prosecuted, according James White, director of strategic issues for the GAO.
“IRS officials told us that IRS pursues criminal investigations of suspected identity thieves in only a small number of cases,” White says in testimony prepared for a House Oversight and Government Reform subcommittee.
He said that in the 2010 fiscal year, the IRS criminal investigations division initiated just over 4,700 investigations of all types — far less than the identity theft cases alone.