ID Theft Information & Recovery Services

Jefferson County Federal Credit Union Defends You Against the Effects of Identity Theft


What is identity theft?

Identity theft is defined as the process of using someone else’s personal information for personal gain. Identity theft can happen to anyone, and it can come in all shapes and sizes. According to the FTC, there are more than 30 types of identity theft affecting millions of Americans each year. Your credit card digits could be stolen and used to make online purchases; a thief could impersonate you to open a loan in your name; a felon could commit a crime and pretend to be you when caught; or someone could use your personal information to apply for a job.

How can Jefferson County Federal Credit Union help?

All share draft, rewards checking and cash investment account holders are eligible for Fully Managed Identity Fraud Recovery Services. If you experience a compromise of your personal information, or if you suspect identity fraud, contact Jefferson County Federal Credit Union for assistance.

Recovery covers you, plus three generations of your family:

  • Spouse or domestic partner
  • Dependents under age 25 with the same permanent address — even if they are in college or the military
  • Parents with the same permanent address — living at home or in elder care (nursing home, assisted living, hospice, etc)
  • All covered family members with benefits extended up to 12 months after death

We want to add additional value to our relationship with you, so we have arranged for professional identity theft research and recovery benefits to extend beyond accounts with us to cover all types of identity theft — including both financial and non-financial fraud. These include, but are not limited to:

  • Medical fraud
  • Bank and credit card fraud
  • Government documents and benefits fraud
  • Employment fraud
  • Phone and utilities fraud
  • And many more

Fully Managed Identity Recovery — How It Works

If you suspect identity theft, or your personal information becomes compromised as a result of a lost purse or wallet, a break-in, lost laptop or data breach, or other event, we can help. Simply contact Jefferson County Federal Credit Union and a representative will verify your information and securely submit your case to a Personal Recovery Advocate, who will contact you directly by phone within one business day.

This trained and certified Recovery Advocate will work with you to place fraud alerts at the three major credit bureaus; help you access services to watch for signs of identity theft; and access your credit reports and conduct a threat assessment to determine if any identity theft has occurred.

If you are victimized by identity theft, your Advocate will work on your behalf to restore your identity. Your Advocate will:

  1. Work with you to identify fraudulent activity, including credit report review (if appropriate) and conduct additional research to determine the extent of the fraud.
  2. Place fraud alerts with the three major credit bureaus.
  3. Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
  4. Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
  5. Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc., as applicable, to address any misuse of official documentation of your identity.
  6. Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
  7. Follow up to make sure wrongful activity is reversed and removed from your records.
  8. Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity.
  9. Enlist other members of the recovery team to assist when necessary, including professional investigators and legal advisors.
  10. Provide 12 months of follow-up after your recovery is complete — to be sure you stay recovered!

Have You Been Submitted for Recovery Services?

If you have been submitted for identity recovery services, you may check on the status of your case by clicking here.

Be warned if someone is using your good name.

Chances are 1 in 20 that you will become a victim of identity theft, according to statistics from the Federal Trade Commission. But, with a little help from Jefferson County Federal Credit Union, you can reduce your risk of identity theft through early detection, prevention and resolution solutions.

We are pleased to provide you with access to a complete suite of identity theft detection and recovery services, including:

  • Fully Managed Identity Theft Recovery Services — a professional and certified recovery advocate who will work on your behalf to restore your identity, no matter how long it takes!
  • Continuous Credit Monitoring— including daily email alerts of suspicious activity — new credit, inquiries, late payments, and more — plus all-is-well monthly emails to let you know the service is still watching out for you.
  • Credit Report and Score – provided once per year, in addition to the annual free reports provided by the credit bureaus.
  • Expense Reimbursement Insurance* — up to $25,000 for expenses incurred for identity recovery, with zero deductible and including up to $6,250 per week in lost wages.
  • ID Theft Education and Awareness — including identity protection awareness test and newsletter.
  • Toll-Free Identity Theft Victim Hotline — direct access to professionals if you suspect identity theft for any reason.

For details about these services and to enroll in the package that is best for you, clicking here.

*Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described (click here for more information). Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Terms for Identity Recovery Services

  1. Consumers who are eligible for the group identity theft detection and recovery service ("Services") include all named accountholders who participate in a covered consumer checking account with Jefferson County Federal Credit Union ("Eligible Consumer"). This is known as the "Eligibility Requirement". Jefferson County Federal Credit Union is hereinafter referred to as the "Program Sponsor".
  2. The Services are offered through a group services agreement ("Group Program") with the Program Sponsor and the Service Provider and are extended to Eligible Consumers and, unless otherwise stated, their eligible family members described as "3G Family" below. Eligible Consumers and 3G family are collectively referred to as "Group Members".
  3. "3G Family" is defined as the Eligible Consumer, and his/her spouse or domestic partner, dependents in the household up to age 25, other IRS-qualified dependents in the household, and parents living at the same address as the consumer, or living in hospice, assisted living, or nursing home. Group Members are eligible for the Services for up to 12 months after death.
  4. Access to the Services ("Benefits Period") begins when the Eligible Consumer first meets the Eligibility Requirement, and ends when the Eligible Consumer no longer meets the Eligibility Requirement or when Program Sponsor terminates the Group Program, whichever occurs first. You may find additional information about the Services at www.jcfcu.org.
  5. The Services provide professionals to manage the detection, investigation, and remediation of incidents of identity fraud caused by Identity Theft. "Identity Theft" is defined as fraud that involves the use of any combination of a Group Member’s name, address, date of birth, Social Security number, bank or credit/debit card account number, or other identifying information without the knowledge of the Group Member, and such information is used to commit fraud or other crimes. Only Identity Theft incidents that are discovered and reported to the Program Sponsor or the Service Provider during the Benefits Period will be covered by the Services.
  6. The Services include reimbursement for expenses incurred in identity theft recovery up to the limit of $10,000 for Eligible Consumers and qualifying family members. Identity theft insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. The information provided is a program summary. Please refer to the Identity Theft Expense Reimbursement Evidence of Coverage forms for additional information including details of benefits, specific exclusions, terms, conditions and limitations of coverage. Coverage is currently not available in NY and may not be available in other U.S. territories or jurisdictions in the future. More information can be found at www.jcfcu.org.
  7. The Services may assist the Group Member in seeking reimbursement for funds stolen in the Identity Theft incident, and/or providing assistance for filing a claim for insurance, but do not provide a guarantee of reimbursement for financial losses of any kind arising from the Identity Theft incident.
  8. The Services are non-transferable and non-cancelable by the Group Member and have no cash equivalent. There is no fee for using the Services; however, the account or service to which the Eligibility Requirement is attached may have a fee, based on the provisions of the account/service agreement that the Eligible Consumer has with the Program Sponsor.
  9. Neither the Program Sponsor nor its contracted Service Provider can be held responsible for failure to provide or for delay in providing the Services when such failure or delay is caused by conditions beyond the control of the Program Sponsor and its Service Provider.
  10. The successful completion of the Services described herein depends on the cooperation of the Group Member. The Services may be refused or terminated if it is deemed that the Group Member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her responsibilities as part of the Services, or has obtained the Services knowingly without meeting the Eligibility Requirement. The Services will not be refused or terminated due to the complexity of an identity theft case.
  11. THE SERVICES DO NOT INCLUDE CREDIT COUNSELING OR REPAIR TO CREDIT NOT AFFECTED BY FRAUD OR IDENTITY THEFT.
  12. The Services are only available to residents of the United States. The Services are performed with agencies and institutions in the United States, or territories where U.S. law applies.
  13. To access the Services, Eligible Consumers can contact the local branch office of their Program Sponsor.
  14. The Services are offered through an Agreement with NXG Strategies, LLC, www.nxgstrategies.com.


How Does Identity Theft Occur?

  • Lost or stolen wallet, checkbook or credit card
  • “Dumpster Diving”
  • Insider Access
  • Internet
  • Hacking, viruses and spyware
  • Business or personal records at work
  • Friendly fraud
  • Mail theft from an unlocked mailbox
  • “Shoulder surfing”
  • Data Breaches
  • Access to a member’s social security number and name is key to identity theft
  • New driver’s licenses, new credit cards and credit reports can be obtained
  • Neglect by creditors and retailers may contribute to successful identity theft transactions
  • Pretext calling
    • Obtaining personal information via telephone call
    • Fraudulently posing as customer or employee
    • Attempts to divulge personal information to use for personal gain
  • E-mail scams: “Phishing”
    • Posing as legitimate message from a financial institution or other business
    • Trick users into divulging personal and financial information
    • Messages can appear remarkably official
  • Vishing”
    • Identity thieves trick victims into providing personal or financial information over the phone
    • Phone based phishing
    • Two variations of ishing”
      • §  E-mail received—appears to be from you financial institution
      • ¨ Given a number to call and prompted for you information
      • §  Contacted over the phone instead of via e-mail
      • ¨ Could either be a recorded message or a real person requesting you to solve a problem with your account
    • “Smishing”
      • Text messaging via mobile phones
      • A text message is sent to the user’s cell phone
      • Phone number is provided to call to “reactivate the account”
    • “Pharming”
      • Allows a hacker to redirect the web site’s traffic to another website
      • Similar to phishing as both involve fake web sites
      • Pharming is more insidious as it can redirect the consumer to a fake website without their knowledge
      • §  Attacker does not have to rely on the victim clicking on a link contained in a bogus email
      • Consumer is tricked into providing personal information
    • Telephone do-not-call list scams:
      • Asking to confirm
        • §  Addresses
        • §  Date of birth
        • §  Social Security numbers
    • E-mail Scams:
      • Person purports to be from Visa/MC
      • Security and fraud division
      • Asks if you made a specific purchase
      • Promises to make adjustment to your card
      • Needs card information
    • New Technology
      • Digital cell phones
        • §  Some experts predict this will be the new wave of ID theft
        • §  Consumer education is key
          • ¨ Try to safeguard card from being seen or viewed by others
    • Victims Can Lose
    • Employment opportunity
    • Social Security benefits
    • Work time
    • Money - thieves can go on spending sprees using your credit card or cards in your name
    • Reputation – your identity could be used in an arrest

    How to Protect Against Identity Theft?

    • Place a security freeze on your credit—may be a fee
      • Will prevent others from applying for credit in your name without you being contacted
    • 47 states and the District of Columbia have enacted laws requiring the credit bureaus to protect their credit files with a security freeze
      • Alabama, Michigan and Missouri offered voluntarily
    • Arkansas, Kansas, Mississippi, and South Dakota only allow a security freezes to identity theft victims
    • Refer to the following for more information on security freezes:
    • Use a secured mailbox
    • Shield your PIN number at the ATM or register
    • Report lost or stolen credit cards immediately
    • Shred anything that contains personal information
    • Do not give out personal information over the phone
    • If you sell something and the buyer provides a check for more than the agreed upon price, do not send item sold, and DO NOT send buyer the difference until the check clears
    • Do not routinely carry your social security card, birth certificate, passport or more than two credit cards
    • Do not leave credit card, debit card and ATM receipts
    • Do not leave bill payment envelopes at your mailbox for the postal carrier to pick up
      • Raised red flag on a mailbox = $$$
    • Eliminate pre-approvals 888-567-8688 (Opt Out Line)
    • Immediately review your credit card statements, utility bills, telephone bills for unauthorized use
    • Contact the provider if necessary if you suspect unauthorized use
    • Order your credit reports annually
      • Review for accuracy and fraud
    • Free Credit Report Program Underway
      • Program designed to help consumers get better understanding of their credit and to promote accurate consumer information
      • Consumers are allowed one free report per year from each of the agencies
    • To Get a Free Credit Report
      • Log on to www.AnnualCreditReport.com (a new web site created jointly by the credit reporting companies
      • Or, call (877) FTC-HELP
      • Or, mail a standardized form to Box 105281, Atlanta, GA 30348-5281
      • Note: You only get your report free – NOT YOUR SCORE!
    • Guard against overuse of your social security number
      • Do not print your social security number on your checks
      • If a business requests to use your social security number, ask to use an alternate number
    • If you do not receive your credit card statement on time, call the creditor and post office to see if a recent change of address has been filed
    • If you shop on the Internet, use a secure browser for your purchase transactions
    • Consider having your name removed from marketing lists
    • Remove name from direct mail lists
      • DMA Mail Preference Service
        • ¨ P.O. Box 9008
        • ¨ Farmingdale, NY 11735-9008
    • Pick up new check orders at your financial institution instead of having them mailed to your home
    • Reduce Phone Solicitations
      • DMA Telephone Preference Service
        • ¨ P.O. Box 9014,
        • ¨ Farmingdale, NY 11735-9014
    • Join National Do-Not-Call List
    • Consider not listing your number in the telephone book or list only limited information
    • Never respond to unsolicited e-mail that asks for personal information
    • Resist the urge to provide information requested via e-mail despite exaggerated claims
    • Read unsolicited e-mail text several times and ask yourself why information requested is needed
    • Call the organization identified using a telephone number other than listed in e-mail
    • Make a list of your credit cards and bank statements in case your cards are lost or stolen
    • Consider canceling your unused credit cards
    • Do not use all or part of your social security number in creating passwords or PINs
    • Memorize all passwords or PINs
    • Do not open email with unfamiliar addresses or link to unknown sites
    • Do not take email surveys or fill out email forms unless you know it is from a valid web site
    • Do not open e-mail attachments unless you know who they are from and are safe
    • Use proven software such as “anti-spam”, “anti-virus” and “anti-spyware”
    • Military Personnel
      • Can place active duty alert on credit report
        • §  Must be member of military and away from usual duty station
        • §  Minimizes risk of identity theft while you are deployed
        • §  Effective one year
          • ¨ If deployment lasts longer, place another alert
      • Business must verify identity prior to issuing credit
        • ¨ Can assign a personal representative to place or remove alert
      • Contact one of the three companies to place an alert
    • What to Do If You Are a Victim?
    • Report to your local police immediately
    •  Ask the police to issue a police report
      • If the police are reluctant to take a report, ask them to file a “Miscellaneous Incident” report or try another jurisdiction like the state police
    • Request that a fraud alert be placed in your file
      • Contact one of the three credit bureaus below:
        • §  TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
        • §  Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374-0241
        • §  Experian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9532, Allen, TX 75013
      • Note: You only need to place a fraud alert at one bureau
    • Two types of fraud alerts—initial alert and extended alert
    • Initial fraud alert—90 days
      • If you suspect you are a victim of ID theft
        • §  Stolen wallet
        • §  “Phishing” scam
      • Potential creditors must use “reasonable policies and procedures” to verify identity before issuing credit in your name
      • Entitled to one free credit report from each of the three nationwide consumer reporting companies
    • Extended fraud alert—7 years
      • Victim of ID theft and provide consumer reporting company with an Identity Theft Report.
      • Potential creditors must contact you or meet you in person prior to issuing credit
      • Entitle to two free credit reports within twelve months from each of the three nationwide consumer reporting companies
      • Consumer reporting companies remove name from marketing lists for pre-screened credit offers for five years unless you ask them to put your name back on the list before then
    • File complaint with the Federal Trade Commission (FTC)
      • 1-877-IDTHEFT (438-4338); TTY:1-866-653-4261
      • https://www.ftccomplaintassistant.gov
      • Or write
        • Identity Theft Clearinghouse
          Federal Trade Commission
          600 Pennsylvania Avenue N
          Washington, DC  20580
    • Be sure to call the hotline to update your complaint if you have any additional information or problems
    • Request a copy of your credit report  
      • Check each credit report carefully
    • Request each credit reporting agency to remove all erroneous information
    • Ask each credit reporting agency to send you a copy of the corrected credit report
    • Call each affected credit card issuer to close and reissue all affected accounts
    • Ask each credit card issuer about the status of your account
      •  Instruct the issuer not to honor any requests for information changes
    • Close and reissue any affected checking and savings accounts  
      • Ask the financial institution to attach a unique identifier to your accounts
    • Get a new ATM card and PIN
    • Contact the Department of Motor Vehicles if you suspect someone is using your driver’s license number
    • Contact the Social Security Administration if your social security number has become associated with bad checks and credit
    • Call 800-772-1213 to check your Social Security statement
    • Notify the Postal Inspector if you suspect your mail has been stolen or a fraudulent change of address has been filed in your name
    • Notify the passport office that the perpetrator may apply for a new passport in your name

    List of Helpful Resources