Credit Card Fraud
Credit Card Fraud is when someone uses your Credit Card or Debit Card to make a purchase you didn't authorize.
Remember, your card does not need to be lost or stolen for someone to use it. Many times, card numbers are obtained illegally through websites (when you make online purchases) or simply by someone reading the numbers off your card without you knowing it.
If you notice an unauthorized charge on your credit card or funds missing from your bank account, contact us immediately. The sooner you report fraud, the faster The Killbuck Savings Bank Co., other financial institutions, and the authorities can help you.
If you believe you have become a victim of fraud, please do the following:
- Call The Killbuck Savings Bank at 1-800-876-9119 and let us know your card has been compromised.
- After regular business hours, call 1-866-546-8273 to report card lost or stolen.
- If you are an Online Banking customer, login to your account on the website to report the card lost or stolen.
- If you are a mobile app customer, login to your mobile app and go to the options tab to report your card lost or stolen.
- If you have not done so already, enable fraud alerts on your Killbuck Savings Bank accounts.
- Contact any other financial institution you do business with and make them aware.
- Contact all three consumer credit reporting agencies (Equifax, Experian, and Transunion) and request a copy of your credit report.
- Place a SECURITY/FRAUD alert on your credit profiles.
- Close the accounts that you know, or believe, have been compromised.
- Request the creditors report they closed your accounts as "account closed at consumer's request," because a simple "closed account" may reflect poorly on your credit report.
- Ask each creditor to send you the copies of the compromised transactions and take note of date and to whom you spoke.
- Monitor your credit reports moving forward for activity.
- Keep an eye on your bank statements and notify Killbuck Savings Bank immediately if you notice any additional signs of fraud.
- Contact your local police department and file a report.
- Make sure the police report includes all the accounts that have been affected.
- Provide police with a copy of compromised transactions.
- Ask for a copy of the police report for your records.
- Change your passwords and PINs immediately to prevent fraudsters from doing any further damage.