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Important Fraud Alerts 


We will not contact members via text or email to deactivate your credit or debit card. Members should never call back or email back private account information; be sure you know who you are dealing with. Please track your spending; make sure all transactions have been authorized by you. Members have 60 days to notify LRRCU of fraudulent charges. LRRCU has many fraud detectors in place but if a scammer gets the necessary information you may see invalid transactions… it’s crucial for you to know where your money has gone. 

For more resources or to report a scam: and

Be aware, be proactive… know your transactions and know where you can get assistance if you are a victim of fraud. For more information, check out our Member Resource Center.

Fraud and Security Information 

  • Lost or Stolen Visa® Debit Card & ATM Card Hotline: 1-800-472-3272
  • Lost or Stolen Mastercard® Credit Card Hotline: 1-800-472-3272
  • If you prefer not to receive pre-approved offers of credit, you can opt out of such offers by calling: 1-888-5 OPT OUT. (1-888-567-8688)
  • If you want to remove your name from many national direct mail lists, send your name and address to: DMA Mail Preference Service, P.O. Box 9008, Farmingdale, NY 11735-9008
  • If you want to reduce the number of telephone solicitations from many national marketers, send your name, address, and telephone number to: DMA Telephone Preference Service, P.O. Box 9014, Farmingdale, NY 11735-9014
  • Consumer Protection – If you think you have been taken advantage of or if you have questions about an offer you received in the mail, online or on the phone, call the Pennsylvania Attorney General’s Bureau of Consumer Protection Hotline at 1-800-441-2555 or visit the Attorney General’s website. For more information, visit
  • The Federal Trade Commission – Protect Consumers: Prevent fraud, deception, and unfair business practices in the marketplace. For more information, visit
  • – Find information just for you – whether you’re a kid, parent, teen, senior citizen, veteran, Native American, researcher, teacher, government employee, American abroad, Spanish-speaker, or visitor to the U.S. For more information, visit
  • How Do I Contact the Three Major Credit Reporting Agencies?
    • Equifax, P.O. Box 740241, Atlanta, Georgia 30374-0241.
      • To report fraud: (800) 525-6285 or write to address above.
      • To order a credit report: (800) 685-1111.
      • To opt out of pre-approved offers of credit: (888) 567-8688 or visit
    • Experian, P.O. Box 2104, Allen, Texas 75013.
      • To report fraud: (888-397-3742) or write to address above.
      • To order a credit report: (888) 397-3742.
      • To opt out of pre-approved offers of credit: (888) 567-8688 or visit
    • Trans Union, P.O. Box 6790, Fullerton, California 92634.
      • To report fraud: (800) 680-7289 or write to address above.
      • To order credit report: (800) 916-8800.
      • To opt out of pre-approved offers of credit: (888) 567-8688 or visit
    • Identity Theft Resource Center –
    • Government ID Theft Resource –

Tips for Monitoring and Protecting Your Personal Data 

  • Review your credit report at least once a year. You can obtain a free copy of your credit report from You can also contact each credit bureau directly:
    • Equifax, P.O. Box 740241, Atlanta, GA 30374-0241
    • Experian, P.O. Box 9532, Allen, TX 75013,, 1-888-EXPERIAN (397.3742)
    • TransUnion, P.O. Box 6790, Fullerton, CA 92834-6790, 1-800-916-8800
  • Should you find any suspicious activity on your credit report or have reason to believe your information is being misused, contact your local enforcement agency or Attorney General’s office, and file a police report. If you file a police report, make sure to get a copy of it — which you have a right to do — and retain it for future reference.
  • Report fraudulent Internet crime to the Internet Crime Complaint Center (IC3) at This resource — a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center and the Bureau of Justice Assistance — provides a central referral mechanism for complaints involving Internet-related crimes.
  • You can also contact each credit bureau directly (see contact information above) to place a security/fraud alert on your credit file. A security/fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. If you wish, you can take the additional step of requesting a security freeze on your credit report. A security freeze prohibits a credit bureau from releasing any information in your credit report without written authorization. Please be aware, however, that placing a security freeze on your credit report may interfere with the timely approval of any requests you make for new credit, loans or other services. When requesting a security freeze, you will need to provide your full name, Social Security number, date of birth, home addresses within the past five years, proof of your current home address (such as a utility bill) and a copy of your driver’s license or other government ID card. The agency may charge a fee to place and remove a security freeze. This fee is generally $10 or less and may be waived if you provide a valid copy of a police report.
  • Tear or shred all documents containing personally identifiable information — including your Social Security number, checking and savings account numbers, date of birth, home address and zip code. This will help prevent your personal data from ending up in the hands of others.
  • Always keep your PIN numbers and other account information hidden. Do not write your PIN on your credit, debit or ATM card.
  • Criminals often seek to take advantage of situations like this to try to obtain personal information, like credit and debit card numbers, PINs and Social Security numbers. We will not send emails or telephone you asking for personal information. If you receive an email or telephone call claiming to be a representative of Heartland, please do not provide any personal information.

If you have any questions or concerns, please feel free to contact us at 717-295-6685.

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