Mail Returns and Address Change Requests
If mail is returned to us due to an incorrect address, or if an address change is requested, we always confirm the identity of the person making the request to correct or change the address. Once a positive confirmation has been made, we will then and only then, release mail or complete a change of address request.
Credit Report Fraud Alerts
If a fraud alert is included on a member's credit report indicating that identity theft has previously occurred, or a member wants extra measures taken to verify their identity when an account or loan is opened:
- We will call the number that is included with the fraud alert to confirm the authenticity of the new account/loan request.
- We may require additional identification to be presented in order to positively identify the applicant.
- We will also review these reports for possible identity theft indicators such as activity that is not consistent with the person’s history.
I.D. verification software is used when a new account is opened. This software enables us to confirm that the information presented by the applicant matches information contained in the I.D. verification database.
Photo Documentation Alterations
Photo documentation presented to us is carefully reviewed for alterations to ensure its validity and that it matches the person presenting it.
When notified of an error or unauthorized charge regarding electronic transmissions, we follow specific timeframes in which the matter will be resolved.