Fraud Resources

Discovering a suspicious charge or realizing your personal data has been compromised can make your heart race. In a high-stress moment, you don’t have time to wade through digital clutter. You need a fast, verified blueprint to freeze the lines and protect your hard-earned assets.

If you suspect you have fallen victim to a scam, a digital security breach, or identity theft, use this clean directory to report the crime and lock down your profile immediately:

Phase 1: File Your Official Reports

Before you contact corporate credit registries, establish an official government paper trail. These reports protect your legal liability and assist law enforcement agencies in tracking down sophisticated cyber-criminals:

1. Internet Crime Complaint Center (IC3): Run directly by the FBI, this agency investigates complex white-collar fraud, hacking rings, and cyber-crimes. File an digital report immediately at ic3.gov.
2. Federal Trade Commission (FTC): The premier national hub for identity theft recovery. Visit identitytheft.gov to report the fraud and receive a personalized, step-by-step recovery plan.
3. Your Local Police Department: Stop by your local precinct or call their non-emergency line to file an official police report. Keep a physical copy of the report number, as many financial institutions require it to reverse fraudulent liability.

Phase 2: Alert Your Credit Union

Reach out to our dedicated internal security team immediately so we can place defensive flags on your active profiles, freeze compromised plastics, and protect your cash flow:

• ATFCU Fraud Department Contact: Call us directly at 325-677-2274 or toll-free at 800-677-6770.

Phase 3: Lock Down Your Credit Files

Contact the three major credit bureaus to place a Fraud Alert or a total Credit Freeze on your credit files. This ensures predators cannot open new retail store cards, utility lines, or loans in your name.

Stay Ahead of the Scammers: Proactive Defense Resources

The absolute best fraud defense is staying educated on modern tactics before predators ever reach your inbox. Bookmark these three trusted training channels:

• 🛡️ Stickley on Security: We partner directly with Stickley to handle our internal employee security training. You can access their comprehensive, timely, and easy-to-understand consumer protection newsletter completely free through the Online Security hub on our main ATFCU website.
• 🛡️ The FTC Consumer Advice Blog: A fantastic, zero-cost digital database featuring real-time alerts on trending scams, phishing emails, and digital vulnerabilities.
• 🛡️ Consumer Reports Guide: For a deeper dive, Consumer Reports publishes an exceptional annual Scam and Fraud Protection Guide. Available in both crisp print and digital formats, it is well worth the $35 subscription fee to keep your household defense strategy completely ironclad.

Counselor Security Reminder: Never wait for a breach to check your standing. Log into your ATFCU mobile app today to activate our free Credit Score & More dashboard. It monitors your credit history on autopilot, sending you instant alerts the second an unauthorized inquiry hits your record. (Learn how to manage your report safely with our guide: Step 9: Build and Maintain an Excellent Credit Score!)