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Fraud & Security Center

Keep Your Finances Safe

older person looking at laptop upset
CALL USScams
Contact us before giving personal information or money to a stranger. We can help figure out if it’s a scam.
 
STOP
Call Elevate First
LEARN MOREWatch Out
It is important to be familiar with trending scams and also to educate family members young and old. 
 
LEARN
Be Knowledgeable
IS IT ELEVATE?Verify
Scammers may be impersonating Elevate. Learn how to verify if it was Elevate Credit Union contacting you. 
 
BE CAUTIOUS
Protect Yourself

How To Report Fraud To Elevate

 
Elevate is here with you on every step of your financial journey, including if you’re a victim of fraud. Contact us immediately if you suspect fraud on your account(s) or if you received or responded to a suspicious phone call, text message, or email.  You can also report fraud to the Federal Trade Commission by clicking below.
 

REPORT FRAUD

(435) 723.3437

  • Were you asked to hide information from or lie to Elevate or any other financial institution(s)?
  • Were you asked for your online banking information or account number?
  • Were you contacted out of the blue and pressured by someone to give information, money, or gift cards?
  • Does a transaction involve a foreign country, territory, or state where you don’t have connections or haven’t been?
  • Were you “over-paid” or “over-reimbursed” for something and are now being asked to send the “extra” money back?
Know the red flags
Tip SVG

 

Watch out for communication that plays on your emotions. Scammers might try to make you feel anxious, fearful, or even sympathetic.

Is It A Scam?

Elevate Credit Union is here to help you determine if it is a scam BEFORE you give out any personal information or transfer money. Call or text us at (435) 723.3437. If it is after hours, leave us a message, and don’t give out your money or info. Whatever it is, it can wait until you talk with our experienced fraud team.

older person surprised by phone

I've Been a Victim of Fraud. Now What?

Fraudulent debit or credit card activity

Call or text Elevate immediately if you see a charge you don’t recognize, or if you believe fraud has occurred. Many times, disputed charges are legitimate purchases that you may not recognize or remember, but it’s better to be safe than sorry.

Freeze your credit

Contact the credit bureaus and freeze your credit. You can also use our free SavvyMoney tool in your Online Banking to freeze your credit. Click here for information on how to freeze your credit.

Disable your debit and/or credit cards

Log into your Online Banking and look for “Remote Card Controls” in the menu. Here you can mark your card(s) lost, stolen or disable them 24/7.

Suspicious account activity

If you notice account activity that is not yours, contact us immediately.

Identity theft

If you have been a victim of identity theft, you should alert Elevate and then file a complaint with the Federal Trade Commission (FTC) online at identitytheft.gov or by calling (877) 438.4338. The FTC will provide you a recovery plan.

Next, contact the three major credit bureaus to freeze your credit. You can also place a fraud alert with the credit bureaus. And close any accounts that have been tampered with or opened fraudulently. 

I called Elevate, but what else can I do?

It is crucial to act swiftly and to report fraud to the authorities. Here are some tips on how to report fraud. 

Tip SVG

 

If it seems too good to be true, it probably is. Be wary!

How To Protect Your Account

  • Keep your account info up-to-date so we can contact you quickly if we see suspicious activity.
  • Use online banking or the Elevate Mobile App to view your account activity often.
  • Set up notifications and alerts on your account in your Online Banking.
  • Use Remote Card Controls in Online Banking to make your cards active, disabled, lost, or stolen.
  • Do not share any of your personal information.

Trusted Resources

Internet Crime Complaint Center (IC3)

This division of the FBI collects reports of Internet crime from the public and analyzes emerging threats. To file a report, visit www.ic3.gov.

Local Law Enforcement

Contact your local police department to file a report and request copies for your records. Be sure to provide any documentation you might have.

United States Government

This website is the official guide to government information and services which includes scam and fraud resources. usa.gov/scams-and-fraud

 

Federal Trade Commission (FTC)

The FTC offers an online portal to collect complaints about online scams and provides detailed instructions to help you recover from fraud. Visit reportfraud.ftc.gov.

Federal Communications Commission (FCC)

If you’re the victim of vishing (Phone phishing), smishing (text message phishing), or spoofing, you can file a complaint with the FCC.

Utah Department of Commerce

A great resource with information on how to protect yourself from fraud and scams: scams.utah.gov

Credit Bureaus

If you have encountered fraud, you might want to consider a FREE credit freeze or fraud alert with the three major credit bureaus - Equifax, Experian, and TransUnion.

What is a fraud alert?

A fraud alert will make it harder for someone to open a new credit account in your name. It alerts creditors so they will take extra caution verifying your identity if a fraudster tries to use your information. A fraud alert lasts one year but can be renewed for longer.

What is a credit freeze?

A credit freeze restricts access to your credit report, which means you or others will not be able to open a new credit account while the freeze is in place. You can temporarily lift the freeze if you need to apply for new credit. The credit freeze lasts until you remove it.

Can I do an extended fraud alert?

An extended fraud alert is available to people who have had their identity stolen.

 

Equifax

(888) 298.0045

Experian

(888) 397.3742

TransUnion

(800) 916.8800

 

How can I get a copy of my credit report?

  • Visit AnnualCreditReport.com
  • Call (877) 322.8228, or
  • Complete the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Tip SVG

 

Federal law allows you to get a copy of your Credit Report every 12 months from each credit reporting agency. Choose 1 credit agency to download from every four months instead of doing them all at once.

Learn More About Fraud and Staying Safe

Elevate is here with you on every step of your financial journey, including if you’re a victim of fraud. Contact us immediately if you suspect fraud on your account(s) or if you received or responded to a suspicious phone call, text message, or email.

DISCOVER MORE
quotes

 

It all sounded so real. The man was so urgent on the phone, and he had an explanation for everything.
JimFraud Victim
Fraud Center Questions

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