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VISA Credit Card Fraud Alerts - Updated

If you receive a text message from the Jackson County Teachers Credit Union -- it IS from us. We've updated our Visa Credit Card Fraud Alerts to include text messages for easy and convenient account verification. Please update your mobile contact information with the credit union so we can reach you immediately in the unlikely event of possible credit card fraud.

This pertains to potential VISA CREDIT CARD FRAUD ONLY. We do not currently send text messages concerning debit card fraud.

Identity Theft

An ounce of precaution can keep you from becoming a victim of identity theft and fraud, but sometimes the thieves develop new methods before warnings can be issued.

If you have become a victim, it is best to act immediately to hold damage to your personal funds and financial accounts to a minimum. Below is a list of agencies that receive and process complaints of possible identity theft and fraud.

The Federal Trade Commission, under the Identity Theft and Assumption Deterrence Act, has the responsibility of providing informational material to victims and referring their complaints to appropriate agencies such as law enforcement agencies and the major credit bureau reporting companies. You may contact the Federal Trade Commission online at where you can submit an identity theft complaint form. You may also call toll-free at 1-877-ID THEFT (1-877-438-4338) or TDD at 1-202-326-2502. By mail, send to ConsumerResponseCenter, FTC, 600 Pennsylvania Avenue N.W., Washington, DC 20580 .

Your local office of the Postal Inspection Service should be contacted if you suspect a change-of-address form has been submitted by an ID thief or if your mail has been used to commit fraudulent acts using your identity.

If your Social Security number is being fraudulently used, contact the Social Security Administration toll-free at 1-800-269-0271.

The Internal Revenue Service should be notified at 1-800-829-0433 if you suspect wrongful use of ID information in connection with tax violations.

The three major credit reporting agencies should be contacted.

  • Equifax
    P.O. Box 740250
    Atlanta, GA 30374-0250
    Phone 1-800-525-6285
  • Experian (formerly TRW)
    P.O. Box 1017
    Allen, TX 75013
    Phone 1-888-397-3742
  • Trans Union
    P.O. Box 6790
    Fullerton, CA 92634
    Phone 1-800-680-7289

You can order a copy of your credit report from these agencies. There is a phone number listed on the credit report that you may call to dispute fraudulent activity shown on the report. These agencies also receive requests to opt out of "pre-approved" offers of credit and marketing lists which provide easy sources for ID theft through mailbox and garbage theft.

All creditors should be contacted if you discover fraudulent activity on your account statements. These include such agencies as your long-distance phone company, credit and department store cards and any other accounts where you have extended credit.

Contact all financial institutions where you have accounts where an identity thief has taken control or that have been created in your name but without your knowledge. You may need to close those accounts, stop payment on outstanding checks and change your ATM card, account and Personal Identification Number (PIN).

If you know that a merchant has received a check stolen from you, contact the verification company that the merchant uses. The following is a list of check-verifying agencies and their toll-free numbers:

  • CheckRite — 1-800-766-2748
  • ChexSystems — 1-800-428-9623 (closed checking accounts)
  • CrossCheck — 1-800-552-1900
  • Equifax — 1-800-437-5120
  • National Processing Com (NPC) — 1-800-526-5380
  • SCAN — 1-800-262-7771
  • TeleCheck — 1-800-710-9898

Regulation and Supervision

NCUA LogoCredit unions are chartered under either federal or state law. Federally chartered credit unions are regulated by the National Credit Union Administration (NCUA), an independent agency of the U.S. Government. NCUA's three board members are nominated by the President and confirmed by the Senate. State chartered credit unions are regulated by their state credit union department. NCUA administers the federal insurance fund (NCUSIF), which covers all federal credit unions and most state chartered credit unions. No taxpayer money is used for regulating and overseeing federal credit unions, as all activities of NCUA and the NCUSIF are funded by credit unions.

The Jackson County Teachers Credit Union is a state chartered credit union. We are federally insured by NCUA and regulated by the Comptroller's office of the State of Florida.

Notice to Members

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.