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I think I’m a victim of fraud, what do I do?

Experiencing any type of fraud is difficult to deal with. We want to provide you with a list of ways to first respond to your suspicion. This is a comprehensive list of the most common instances of fraud; however, if you have another case, please call us at 1-800-232-6342.

Regardless of if your card was lost, stolen, or you noticed unauthorized transactions; your first step should be to deactivate the card. Use these contacts depending on your situation: 
Has your card been lost or stolen? 
Contact 844-698-7052 to report a missing card.

Have you noticed an unauthorized transaction on your account? 
Contact 844-698-7053 to start the dispute process.

Has someone stolen your checks, and you don’t know who it is? Contact us or visit a local branch.

Do you know who stole your checks? File a police report, then contact us or visit a local branch and provide a copy of the police report.

Our branch Team Members can assist stopping the stolen or lost checks by check number. They can also add a password that would be required before any transactions can be completed on your account. 


Is your Cashier’s Check, Official Check, Money Order, Traveler’s Check, United States Treasury Check counterfeit?  

Many fraudsters use fake official checks to prey on those that may not notice the specific details on the check. If you deposit a fake check, you will incur a returned check fee. 

For your protection, if any of the following statements are correct, please notify a member of our staff immediately. You could be the victim of a scam if:

  • The check is from someone you met online or someone you have been communicating with through email.
  • The check is proceeds for an item you sold on the Internet, such as a car, boat, jewelry, etc.
  • The amount of the check is more than the selling price of the item.
  • The check is for payment of a rental property or room for rent, and you do not recognize the name.
  • The check is to pay taxes/fees to receive other funds, such as an inheritance or lottery winnings.
  • The check is for payment or commission of employment from a “work at home” position where you were hired online or over the telephone.
  • You have been instructed to return funds through a wire transfer or Western Union as soon as possible.
  • The check is drawn on a business or individual different from the person buying your item or product.
  • You have been asked to assist in the distribution of money from another country.
  • You have been instructed to keep the transaction a “secret.”

If you believe someone is using your identity to make purchases, apply for loans, or commit fraud:

  • Visit www.identitytheft.gov/Steps for a detailed list of what to do right away.
  • If any of your Centra accounts are involved, contact us or visit a branch immediately. 
  • File a Police Report and complete an ID Theft Complaint Form to initiate the investigation. 
  • We can add an alert to your account to let Centra Team Members know that you are a victim of identity theft and to use precaution.
  • You can also add a password to be required for account changes and transactions. 

An ACH transaction is an automated transaction either withdraw or deposit that is transferred through an Automated Clearing House. Usually, you can see these types of transactions pending when viewing your checking account on online banking.

If you have an unauthorized ACH Transaction, please contact us or visit a local branch.

 

Wire fraud is a crime in which a person schemes to defraud or obtain money using electronic communications or an interstate communications facility. These can include a phone call, a fax, an email, a text, or social media messaging, among others. 

If you believe you are the victim of wire fraud, contact us or visit a local branch. 

Regardless of if your card was lost, stolen, or you noticed unauthorized transactions; your first step should be to deactivate the card. Use these contacts depending on your situation: 
Report a lost or stolen credit card 1-800-449-7728.

If you believe you are the victim of credit card fraud, contact us or visit a local branch to go through a dispute process.

 

If you have seen a loan on your credit report that is not yours or if you know that someone is using your credit to fund a loan then, you may be a victim of loan fraud. Please contact us or visit a local branch to begin the dispute process.

If you notice online transfers or payments that you did not authorize, change your password and username. If your credentials have been compromised and/or changed, visit your local branch or contact us immediately to begin the dispute process.

Services we offer to Protect and Prevent

Click to learn more

MasterCard Identity Theft Protection
Account Alerts
Debit Card Fraud Text Alerts

If you have any questions or need help signing up for any of these services, contact us or visit any location. We’d be happy to help.

Personal Information to Protect

Never give out the following information

Account Number
Online Banking Password and User Name 
Debit and Credit Card Number
PIN
Any other personal information unless you are talking to a trusted source. 

I want to protect myself. How do I prevent fraud?

You don’t think about the need for fraud prevention until you have been the victim of fraud. Fraud prevention includes simple actions that you can take to help reduce the chance of losing your private information to fraudsters. There are also different ways to monitor and protect your personal information from each type of fraud. All of them involve safeguarding private information such as passwords, account numbers, card numbers, and Social Security numbers.

  • Review your credit report annually. The Fair and Accurate Credit Transaction Act (FACTA) provides you with the ability to receive a free credit report once every 12 months. To learn more, visit www.annualcreditreport.com.
  • Add Account Alerts so you don’t miss withdrawals from your account.
  • Make sure you receive Debit Card Fraud alerts
  • Sign up for MasterCard Enhanced ID Theft Protection
  • Shred old credit card paper statements.
  • Always be careful and exercise caution when sharing personal information online.

Even though fraud is not 100% preventable you can protect yourself.

  • Review your credit report annually. The Fair and Accurate Credit Transaction Act (FACTA) provides you with the ability to receive a free credit report once every 12 months. To learn more, visit www.annualcreditreport.com.
  • Add Account Alerts so you don’t miss withdrawals from your account.
  • Make sure you receive Debit Card Fraud alerts
  • Sign up for MasterCard Enhanced ID Theft Protection
  • Shred old credit card paper statements.
  • Always be careful and exercise caution when sharing personal information online.

  Review the source before submitting your personal information. Most fraudulent checks can be caught before they are deposited.

Is your Cashier’s Check, Official Check, Money Order, Travelers Check, United States Treasury Check counterfeit? 

For your protection, if any of the following statements are correct, please notify a member of our staff immediately. You could be the victim of a scam if:

  • The check is from someone you met online or someone you have been communicating with through E-mail.
  • The check is proceeds for an item you sold on the Internet, such as a car, boat jewelry, etc…
  • The amount of the check is more than the selling price of the item.
  • The check is for payment of a rental property or room for rent.
  • The check is to pay taxes/fees to receive other funds, such as an inheritance or lottery winnings.
  • The check is for payment or commission of employment from a “work at home” position, where you were hired online or over the telephone.
  • You have been instructed to return funds through a wire transfer or Western Union as soon as possible.
  • The check is drawn on a business or individual different from the person buying your item or product.
  • You have been asked to assist in the distribution of money from another country.
  • You have been instructed to keep the transaction a “secret.”
  • Review your credit report annually. The Fair and Accurate Credit Transaction Act (FACTA) provides you with the ability to receive a free credit report once every 12 months. To learn more, visit www.annualcreditreport.com.
  • Add Account Alerts so you don’t miss withdrawals from your account.
  • Make sure you receive Debit Card Fraud alerts.
  • Sign up for MasterCard Enhanced ID Theft Protection.
  • Shred old credit card paper statements.
  • Always be careful and exercise caution when sharing personal information online.

An automated transaction either withdraw or deposit is transferred through an Automated Clearing House and is referred to as an ACH transaction. Usually, you can see these types of transactions pending when viewing your checking account on online banking.

  • Review your credit report annually. The Fair and Accurate Credit Transaction Act (FACTA) provides you with the ability to receive a free credit report once every 12 months. To learn more, visit www.annualcreditreport.com.
  • Add Account Alerts so you don’t miss withdrawals from your account.
  • Make sure you receive Debit Card Fraud alerts
  • Sign up for MasterCard Enhanced ID Theft Protection
  • Shred old credit card paper statements.
  • Always be careful and exercise caution when sharing personal information online.

Never give out any personal information that could be used to wire currency. If you are asked to wire currency to someone, you should see if there other possible ways to transfer the currency. Wires requires you to give your account number and routing number. This verifies and authorizes us to allow currency to be taken from your account. Even though fraud is never 100% preventable, you can reduce your risk by following the Check Fraud questions mentioned above and following the tips:

  • Review your credit report annually. The Fair and Accurate Credit Transaction Act (FACTA) provides you with the ability to receive a free credit report once every 12 months. To learn more, visit www.annualcreditreport.com.
  • Add Account Alerts so you don’t miss withdrawals from your account.
  • Make sure you receive Debit Card Fraud alerts.
  • Sign up for MasterCard Enhanced ID Theft Protection.
  • Shred old credit card paper statements.
  • Always be careful and exercise caution when sharing personal information online.

Fraud is never 100% preventable, but you can reduce your risk of credit card fraud by following these tips:

  • Shred old credit card paper statements.
  • Review your credit report annually. The Fair and Accurate Credit Transaction Act (FACTA) provides you with the ability to receive a free credit report once every 12 months. To learn more, visit www.annualcreditreport.com.
  • Add Account Alerts so you don’t miss withdrawals from your account.
  • Make sure you receive Debit Card Fraud alerts.
  • Sign up for MasterCard Enhanced ID Theft Protection.
  • Always be careful and exercise caution when sharing personal information online.

Usually, loan fraud is something you find when you check your credit report or when you go to get any kind of line of credit and your credit report is pulled. This can happen if someone you know or someone you don’t know uses your information to co-sign on or obtain a loan. Fraud is never 100% preventable, but you can reduce your risk of loan fraud by following these tips:

  • Review your credit report annually. The Fair and Accurate Credit Transaction Act (FACTA) provides you with the ability to receive a free credit report once every 12 months. To learn more, visit www.annualcreditreport.com.
  • Add Account Alerts so you don’t miss withdrawals from your account.
  • Make sure you receive Debit Card Fraud alerts.
  • Sign up for MasterCard Enhanced ID Theft Protection.
  • Shred old credit card paper statements.
  • Always be careful and exercise caution when sharing personal information online.

Even though fraud is never 100% preventable, but you can reduce your risk of fraud by following these tips:

  • Create a strong password, change it often, and don’t use the same login and password for multiple sites.
  • Never share your username or password with anyone.
  • Keep your computer and mobile device up to date with the latest operating system and browsers.
  • Use password protection on your computers and mobile devices.
  • Take advantage of enhanced security features on your devices like fingerprint recognition or facial recognition. 
  • Set up Account Alerts to monitor your account activity.
  • Make sure you receive Debit Card Fraud alerts.

The three major credit bureaus

Financial institutions, loan agencies, and other organizations that pull credit reports to review before opening a line of credit will use one of these three credit bureaus. If you contact each one, you can freeze your credit or block your credit from being pulled to review. This involves receiving a password for each bureau so you can call and unfreeze your credit when you do want to open a line of credit for yourself.

Equifax

800-685-1111

Experian

888-397-3742

TransUnion

800-916-8800

Even though fraud is not 100% preventable you can:

  • Review your credit report annually. The Fair and Accurate Credit Transaction Act (FACTA) provides you with the ability to receive a free credit report once every 12 months. To learn more, visit www.annualcreditreport.com.
  • Add Account Alerts so you don’t miss withdrawals from your account.
  • Make sure you receive Debit Card Fraud alerts.
  • Sign up for MasterCard Enhanced ID Theft Protection.
  • Shred old credit card paper statements.
  • Always be careful and exercise caution when sharing personal information online.