![]() ![]() The Fair and Accurate Credit Transactions Act (FACT Act) requires the three major credit bureaus to provide you with one free credit report a year. Once you place a fraud alert, creditors are required to verify the identity of a person claiming to be you, before extending credit to them. Contact the three nationwide consumer credit reporting companies and place a Fraud Alert on your credit report.File a police report with the correct jurisdiction.Make sure to request in your letter that the company notifies you in writing when they have resolved your needs.Make sure you send all information in a certified letter to the financial institution.Follow up with them in writing by filing an affidavit of fraud (usually provided by them). Make sure you document the details of your phone call, and obtain their contact information. Call your financial institutions and ask to speak with a fraud specialist. ![]() An unauthorized purchase appears on your credit card statement from an online retailer.Your wallet is lost or stolen and purchases are made on your credit card without your consent.Please ensure you keep copies of any records you have showing fraudulent transactions. Visit our Identity Theft section to learn more and file a report.Īlso, if someone signed a credit card receipt or draft, this constitutes a separate offense of credit card forgery. Additionally, if the fraudulent purchases were made in another jurisdiction, then you are likely the victim of Identity Theft. IMPORTANT NOTE: If one or more of your credit card accounts has fraudulent transactions, and you still have the physical credit card in your possession, than you have likely become the victim of Identity Theft. Credit Card Theft is the taking or obtaining of credit card(s), or credit card number(s), with the intent to use them fraudulently.Ĭredit Card Fraud occurs when the credit card, or credit card number(s), is used fraudulently without the consent of the cardholder. ![]()
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