Christian Financial Fraud & Security Center
Fraud & Security Center
Welcome to the Fraud & Security Center. Keeping our members and their finances safe and secure is our #1 priority. Here you have access to articles and resources to learn more about keeping your finances secure. You can also find assistance and contact information if you believe you may be a victim of fraud.
Stay alert! We will never call you and ask for personal information.
CFCU employees, our fraud department, or our Falcon Card Fraud Service will never ask you for the following information:
- Personal information such as date of birth and social security number
- Full debit or credit card numbers or PIN
- Digital Banking credentials
- A one-time verification code or link that was sent to your phone or email address.
If you receive a phone call, text, or email that appears to be from CFCU asking any of these questions, end all communication and contact us immediately.
For additional security, set up these services:
Card Management – Manage when and how your debit and credit cards are used with the ability to turn your cards on and off for fraud protection.
Alerts and Notifications – Set up account alerts for balance thresholds, large deposits or withdrawals, and balance updates.
Contact Us
Believe you may have been the victim of fraud? Contact us right away.
Identity Theft Next Steps
Identity Theft Next Steps
Step 1: Contact
Contact the companies where the fraud occurred.
- Report the fraud to their fraud department and ask that they freeze or close your accounts. In some cases, you may be able to add a security word or phrase.
- Be sure to change any logins, passwords, pins, and security questions that you have on your accounts.
Step 2: Freeze
Place a freeze & or fraud alert on your credit report.
- You can place a free one-year fraud alert on your credit report. You just need to contact one of the three credit bureaus.
- You can also place a freeze on your credit reports. When placing a freeze, you will select a PIN/passcode. Only when you unfreeze your account with your PIN, is anyone able to access your credit report.
- Request a copy of your credit report from the three bureaus and review it for any issues. You can get a free full credit report inside Credit Coach, which is located inside Online and Mobile Banking.
Step 3: Report
Report your ID theft to the FTC.
Create an account with the FTC, and complete their online report form. You can also call 1-877-438-4338.
Step 4: File
File a report with your police department.
If you so choose, you can file a report with your local police department. When filing your report, include your ID, proof of address, and the Identity Theft Report that you filed with the FTC. Also, bring any proof that you have of the theft. Make sure you receive a copy of the report.
Step 5: Recover
Start your recovery
Remember, you can take action to recover your identity. If you have done the steps above, you are on your way. Here are some things you will want to do to start repairing any damage.
- Close any new accounts that were opened in your name, and/or get any fraudulent charges from your account.
- Contact any companies where fraudulent charges were made and get them removed from your accounts.
- Work with the credit bureaus to correct your credit report if anything has been reported.
- Depending on the severity of the theft, you may want to add an extended fraud alert to your credit report. And be sure to review them often to catch any issues early.
Fraud Assistance
Most Common Financial Scams
Hot Topics
Romance Scams
Romance scammers create fake profiles on dating sites and apps or contact you through social media. The scammers build a relationship with you. It’s likely that they make up a story about how they live far away.
Once they have your trust or believe you may have feelings for them, they will start asking for money. For a plane ticket, an emergency, or something very urgent. They may ask you to send money in untraceable ways or even through cryptocurrency.
Job Scams
Scammers will post fake jobs on job sites and on social media. You may even speak with a person about the job. Most jobs require you to provide personal identification and other personal or financial information. The scammer will provide an offer for the position, but they are really trying to capture your personal information.
Imposter Scams
An imposter scam happens when a scammer contacts you by phone, robocall, email, or even text. They claim to be from your financial institution, a government agency, a well-known business, or a technical support expert. They demand your personal information such as credit or debit card information, bank account information, and Digital Banking credentials.
Christian Financial will never call you or send an email or text message that requests you to provide your personal information, such as Digital Banking credentials or debit and credit card numbers. Christian Financial will never require you to send funds out to recover funds from fraudulent transactions.
Mail Fraud
Mail fraud is the use of U.S. mail to scam or commit identity theft. Many people experience mail fraud in the form of “check washing.” Scammers will either steal outgoing mail from home mailboxes or even free standing blue box. Any checks they find, they will “wash” the payee name and amount and will make the checks payable to themselves for another amount.
Protect Yourself from Mail Fraud
Fraudsters never rest, but these tips can help protect you.
There are things that you can do to lower your risk of mail theft:
- Pay your bills online directly with the company or use CFCU’s Online Bill Pay service.
- Log into Digital Banking to frequently review your transaction history. Immediately report any unfamiliar or unauthorized transactions to CFCU.
- Deposit mail in secure collection boxes as close to the indicated pickup time as possible or bring it inside the post office for mailing. Make sure the check is not visible in the envelope.
- Use ink dispensed from a gel, rollerball, or fountain pen and fill in all the lines of the check.
- If you choose to leave outgoing mail in your mailbox, don’t put up the flag.
- Try not to leave outgoing mail sitting in your mailbox for an extended time, particularly overnight.
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Reviews
Don't take our word for it!
“This is a great company to work with if you ever have to report fraudulent charges or identity theft. All around good credit union.”
“I love Christian Financial. Not even ten minutes after someone used my card when I had dropped it without knowing they were calling to inform me of the unusual activity on my account. They really do take care of their people! Love love love.”
“I have been a member since 1983, they always provide great service, and are polite and efficient. They were quick to catch a fraudulent charge on my card and solved the issue efficiently.”
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