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What If You Fall Victim?

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We’re here to help. 
With UCCU’s fraud restoration experts, we’ll work with you to restore your information and prevent any further damage, free of charge.

If your card is lost or stolen, or you suspect you’re a victim of fraud or identity theft,
call UCCU immediately and put a hold on your card account at 800-453-8188

Report Fraud or Dispute a Transaction

If any transaction was posted to your account that you didn’t authorize, no matter how large or small, it is considered fraud and should be reported as such. 

Additionally, if you deliberately made a transaction that doesn’t appear correct on your statement, you may dispute it. 

  1. Stop by any of our branch locations and a UCCU representative will help you through the fraud or dispute process.
  2. If you cannot make it into a branch, call the UCCU Service Center at (800) 453-8188 and a representative will assist you in filling out the necessary forms remotely via fax, mail, or email.
  3. If necessary, UCCU representatives will also ensure you receive a replacement card as soon as possible.

Actions for Fraud Victims

When responding to any type of fraud threat, the best way to minimize both the potential damage and your own liability is to move quickly, document everything, and contact the right authorities. 

+ Detailed Records

Keep a written record of everything that’s happening, including detailed accounts of conversations you have with authorities and financial institutions.

+ Law Enforcement

Report what’s happened to the police or other proper authorities, providing any documentation you collected. Get a copy of your police report to keep the phone number of your fraud investigator handy so you can reference it with others working on your case. 

+ Financial Institutions

Alert your financial institutions and close any compromised accounts. If you’ve had checks stolen, be sure to close the checking account. Stopping Payment isn’t enough. You can expect collection notices for stolen checks, so be on the lookout and respond to each one.

+ U.S. Postal Service

If you suspect an identity thief has filed a change of your address with the post office or has used the mail to commit credit or bank fraud, notify your local post office immediately. 

+ Social Security Administration

Call and report any fraudulent use of your Social Security number.

+ Department of Motor Vehicles (DMV)

To initiate a fraud investigation with the DMV, fill out their complaint form and send supporting documents with the completed form to the nearest DMV investigation office. You can also call the DMV to see if a license has ever been issued to anyone else in your name or visit your local DMV to request a new license number. If available in your state, request a driver’s license number different than your Social Security number. 

+ Civil Courts

If a civil judgment has been entered in your name for actions taken by your fraudster, contact the court where the judgment was entered and report that you are a victim of identity theft. If you are wrongfully prosecuted for criminal charges, contact the state Department of Justice and the FBI.

+ Fraud Alerts

To set up a fraud alert call any of the three credit reporting agencies to ask that your account include a statement referencing the possibility of fraud. By law, each agency is required to alert the other two agencies when fraud alerts are set up.

Credit Bureau Contact Information


TransUnion Consumer Relations
P.O. Box 2000, Chester, PA 19016-2000

(800) 680-7289 (ID theft)
(888) 909-8872 (Freeze)


Experian National Consumer Assistance Center
P.O. Box 4500, Allen, TX 75013

(888) 397-3742


Equifax Credit Information Services, LLC
P.O. Box 740241, Atlanta, GA 30374

(800) 525-6285 (ID theft)
(888) 298-0045 (Freeze)

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00am – 6:00pm
Sat: 9:00am – 2:00pm

Send an Email

[email protected]
or send us a message from inside online banking.

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