LOST OR STOLEN

Q:  What should I do if my University Credit Union MasterCard was lost or stolen?

A:  Immediately Call 1-800-453-4270 to block the MasterCard from use. Tell the Fidelity National Information Services (FIS) representative where and how your card was lost or stolen. This call will place the MasterCard number on an electronic bulletin blocking future transactions and on a report to University Credit Union for reissue. You may call University Credit Union weekdays 9 am to 5 pm at 786-425-000 and confirm we have your current address on file to send a replacement MasterCard. Please, carefully review your statement for any fraudulent charges.

IDENTITY THEFT

Q:  What steps should I take if I am the victim of identity theft?

A:  There are four basic steps to take if you are a victim of identity theft

1.  Request and review your credit report, contact a reporting agency to place a fraud alert. By calling one of the three major credit reporting agencies, the other two will be notified. University Credit Union reports to Equifax. Equifax can be contacted at 1-800-525-6285, www.equifax.com or PO Box 740241 Atlanta, GA 30374-0241. TransUnion  at 1-800-680-7289 www.transunion.com; Fraud Victim assistance PO Box 6790 Fullerton CA 92834-679 and at Experian 1-800-397-3742 www.experian.com PO Box 9532 Allen TX 75013.

2.  Close all accounts that you know or believe have been compromised and/or fraudulently opened. Dispute in writing all accounts and/or charges you did not make or authorize. Keep copies of all correspondence for future reference.

3.  File a complaint with the Federal Trade Commission (FTC). FTC can be contacted at their hotline 1-877-438-4338, www.ftc.gov or Identity Theft Clearing House Federal Trade Commission 600 Pennsylvania Avenue NW, Washington DC 20580. Keep a copy of this complaint; call the hotline if you have additional information after filing the original complaint.

4.  File a police report with your local police or the police in the community where the identity theft took place. Ask the police to incorporate the FTC identity theft report into the police report. Keep both of these together with all correspondence with the credit bureaus and creditors for future reference.

DISPUTES

Q:  What should I do if I have a MasterCard dispute?

A:  University Credit Union MasterCard disputes are handled by Fidelity National Information Services (FIS) our processor in Tampa. All disputes must be made in writing and signed by our member. The signed and written notice must be sent no later than 60 days after receipt of the statement.

• Members with www.ezcardinfo.com access can
• Locate the item on their statement
• Click on the item
• Click on the dispute button
• Instructions on disputed will appear as well as a practically completed form which the member can print, sign and submit

Members who prefer to write a letter of explanation must include

• MasterCard account number
• Date of the transaction
• Name on the transaction and the exact amount of the dispute
• An explanation of why the charge is disputed, including that the member did not make or authorize the transaction is required

All written and signed disputes must be promptly submitted to FIS for processing by mail or fax (signed original to be mailed)
           
            Customer Service
            PO BOX 30495
            TAMPA FL 33630-3495
            Customer Service FAX 1-727-570-4879

Upon receipt of the dispute FIS will generate a letter acknowledging receipt, including their Customer Service 1-800-299-9842 for follow up. Additional information may be requested. Correspondence from FIS will include time frames which must be met for favorable resolution.

FRAUD

Q:  What should I do if I suspect I have Fraud on my MasterCard?

A:  Immediately Call 1-800-453-4270 to block the MasterCard from use. Tell the Fidelity National Information Services (FIS) representative you suspect Fraud. This call will place the MasterCard number on an electronic bulletin blocking future transactions and on a report to University Credit Union for reissue. Please call University Credit Union weekdays 9 am to 5 pm at 786-425-000 and notify us of the fraud.

If there are fraudulent transactions on your statement notification must be made in writing and signed by you. The notice must be sent no later than 60 days after receipt of the statement.

• The letter of explanation must include
• MasterCard account number
• Date of the fraudulent transaction(s)
• Name on the transaction(s) and the exact amount(s) of the fraud
• An explanation of why the charge is disputed, including that the member did not make or authorize the transaction is required

All written and signed correspondence must be promptly submitted to FIS for processing by mail or fax (signed original to be mailed)
           
            Customer Service
            PO BOX 30495
            TAMPA FL 33630-3495
            Customer Service FAX 1-727-570-4879

Upon receipt of the dispute FIS will generate a letter acknowledging receipt, including their Customer Service 1-800-299-9842 for follow up. Additional information may be requested including the completion of a Fraud Affidavit. Correspondence from FIS will include time frames which must be met for favorable resolution. Please, pay attention to these dates or you may be held liable for the fraudulent transactions.