The Sonoma County Grange Credit Union was established in 1948 to provide affordable financial services to individuals in agriculture

 

Awareness & Information

If you have lost/ or had your debit cards stolen and this happens during hours when the Sonoma County Grange Credit Union is closed, don’t wait, please dial the COOP:

US toll free: (800) 241-2510
International: (909) 941-1398

We want you to be informed. The growth of the Internet, constantly changing transaction options, and the ever present threats to privacy make your financial literacy more important than ever before. As a consumer, it is awareness that enables you to take control of your financial life and protect yourself. Knowledge is power.

Our goal is to provide you with practical information and tips on topics that are important to your financial well being and peace of mind. Just click a link on the left side of this page to learn more about each subject matter. We will expand this section of our site as relevant subjects present themselves, so check back often - bookmark us! If there is a specific topic that you would like us to address, contact us.

How the Sonoma County Grange Credit Union protects YOU

Your security is our top priority. That's why we go out of our way to make sure your information is protected. These are just a few of the things we do to ensure your privacy:

 

 

Read about Sonoma County Grange Credit Union's Privacy Policy.

 

First time users and those who haven't signed in for 365 days, please call a Member Phone Service Representative at (707) 584-0384. Learn more about passwords.

Registered users, enter your member number (no leading zeros) and password to enter Online Banking. At this time you may register for Enhanced Login Security.

MAIN NAVIGATION TABS

 

The Accounts page shows up-to-the-minute balance information on your deposit, loan, and investment accounts. To view detailed account activity, including deposits, withdrawals and transfers, simply click on the corresponding account title. From here you may choose to view additional account history (current maximum is approximately 1 year) or export your transactions to your favorite money management software.

You will find a Quick Transfer option at the bottom of this page. Note you may not initiate Quick Transfers to Cross Member Transfer accounts (see Secure Forms).

Note on Federal Regulation D: "Reg D" limits the number of electronic transfers you may make from a savings account during a calendar month to six (excluding loan and Visa payments). There is no limit on the number of electronic transfers you may make from your checking account. This applies to Scheduled & Recurring Transfers as well.


 The Account Transfer feature allows you to make current, one-time transfers between your accounts and loans. It also allows you to make Principal Only payments to your Sonoma County Grange Credit Union loans (excludes Visa & HELOC payments). To make a transfer, enter the desire dollar amount. Next, click on the "FROM Account" box. You will be presented with a drop down menu showing all of your eligible accounts, along with the current balance** in each account. Select the account from which you wish to transfer the funds (also known as the Source Account). Repeat the same procedure for the "TO Account" (Destination Account). Hit continue. Alternatively, you may clear all fields and put in new information or simply go to another screen without clicking on the "Transfer Funds" link.  Confirm.  At this time you may still cancel the transfer by clicking on the "Cancel" link.

Your transfer will take place immediately provided there are no holds on your accounts and the funds are available for transfer. If you are making the transfers outside of normal business hours, the transfer will be posted using the next business date. Click view new balances to return to your Accounts page.


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 Scheduled Transfers

To setup a scheduled transfer click on the Transfers tab. A link will appear on the transfers page that will allow you to manage your auto transfers. ONce you click on the link, you will be directed to the Automatic Transfers Page where you can specify the transfer from & transfer to accounts, the transfer amount and the date and frequency of the transfer.

 Our Export facility allows you to export your account information into either a QIF, CSV, OFX and other formats. These formats are compatible with the Intuit's Quicken˜ and Microsoft Money˜ personal financial management (PFM) software packages respectively, as well as MS Excel.

Quicken Users: Sonoma County Grange Credit Union Credit Union will no longer provide the export option for versions of Quicken 2006 and earlier.  To update your version of Quicken

Money Users: End users may download using the OFX format, which has been supported by all versions of MS Money beginning with MS Money 1999. The OFX format contains more information, is more accurate, and is better at preventing the acceptance of duplicate transactions. To update your version of MS Money

Excel Users: End user may download using CSV and import your reports in Microsoft Excel, Open Office or any CSV compatible program
 

 You can stop payment on any personal check by calling (707) 584-0384 for assistance.  To stop payment on a series of checks or Bill Pay Laser Check (995XXX), please also call our Member Services Department at (707) 584-0384 for assistance.


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 You can pay your bills online using Bill Pay. Bill Pay services are provided through third part vendor iPay and only available after you log on to Sonoma County Grange Credit Union oline banking

 Forms Available Online allow you to apply for the products and services shown. To use this feature, click on the product or service that interests you and complete the form, print and mail or fax it back to us (707) 584-0311. Please make sure that you have read any disclosure text, if shown, before submitting the application. Because you are logged in to Online Banking, some of your personal information will auto-populate on each form. The form you are using determines what kind of information will auto-populate.

 

 You can view your account statement and Visa statement online by clicking on the View Statements link. Each of your monthly Online Statements is available in .pdf and .html file format.

Sonoma County Grange Credit Union will stop mailing paper statements when you sign up for Online Statements. Your Online Statements begin to appear on the first business day of the month following your sign up date.

We are required to send you an e-mail reminder when your Online Statement is available for viewing. As a result, you will be required to provide an e-mail address. You may add or change your e-mail address in the User Options section of Online Banking. There are no fees or account restrictions for requesting any paper statements or choosing to withdraw your consent for online statements.

LINKS

Services is where you do your Online Banking "housekeeping". You may change your password. You may update your email preferences, view loan applications, view your statements, change your password and username, change your address & report cards as lost or stolen.

Be sure to click on the Logout button at the end of every session. This will delete your session cookie.

Do you have more than one Sonoma County Grange Credit Union account? You may access all your accounts at once by setting this up with one of your service representives (707) 584-0384

**Available balances displayed in Online Banking, via Touchtone Teller or on your monthly statement do not include overdraft and/or credit line amounts.


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Know Your Passwords and How to Use Them

If you take advantage of all the products and services that Sonoma County Grange Credit Union has to offer, then knowing your passwords and how they are used is very important. There are 5 passwords that you may be using:

 Your Secret Password/Identifier is used to identify you when you call Member Phone Services for help. You normally establish your Secret Password/Identifier when you open your membership account. All members are identified, using a variety of criteria, to ensure the security of account information. Your Secret Password/Identifier is only one of the criteria that may be used.

Your Touchtone Teller Access Code is assigned when you open your Sonoma County Grange Credit Union membership account.

You may reset your Touchtone Teller Access Code at any time. Simply call (707) 584-0384 to access the Touchtone Teller system 24 hours a day, 7 days a week. Then press 3 for the main menu. Click here for a complete list of service codes.

If you do not have a Touchtone Teller Access Code, please call (707) 584-0384 to speak with a Member Phone Service Representative .

You may reset your Online Banking Password at any time as well. Log in to Online Banking and click on the "User Options" button, then click the "Change Password" link to make your changes.

Forgot your password? CAll a member services representative to reset it for you (707) 584-0384

Special Note about Foreign ATMs: Overseas travelers should know that ATMs outside of the United States do not normally include letters on their keypads. If you are currently using a text based PIN, you will need to convert it to a number based PIN. In addition, some foreign ATMs only take four digit PIN numbers. In this case, simply use the first 4 digits of your Sonoma County Grange Credit Union PIN.

Please keep in mind that in many European countries the primary account is the checking account. As a result, you may not be given the option to withdraw funds from your savings account, since the checking account is assumed. If you have a savings account only, you may have difficulty using your ATM Card in Europe. Consider opening a Sonoma County Grange Credit Union Checking Account.

Finally, your Sonoma County Grange Credit Union Visa Debit Card PIN is used to withdraw cash from participating ATM network machines. If you forget your Debit Card PIN, call us at the number above. We will send your current PIN to you in a confidential PIN mailer only.

  Visa DebitCard  
  Visa Gold Card  

 

Remember, your privacy is our top priority. Sonoma County Grange Credit Union does not sell or rent your information to third parties, and will never ask you to disclose or verify personal information via e-mail.

If you have any questions about your passwords, please call Member Phone Services at (866) 543-5202 or (707) 584-0384.


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Phishing

Have you heard of phishing? It's a type of fraudulent e-mail scheme designed to scare you into providing your personal and financial information online.

Please call us if you receive any kind of suspicious solicitation (707) 584-0384 and ask for the Web Services Department, or forward the e-mail in question to info@grangecu.org. You will never receive an e-mail from Sonoma County Grange Credit Union asking you to provide or verify your account information online. E-mails of this nature only come from those who are interested in gathering and misusing your personal information.

How does it work? An e-mail is sent out that is designed to trick consumers into surrendering personal information. They may appear to come from government agencies such as the IRS, an online shopping venue such as E-Bay, or even a credit card company. The most popular scams are:

Recipients are directed to web sites where they are asked to verify personal information such as their name, bank account and credit card numbers, social security numbers, and other information. A sense of urgency is created by telling the consumer that, with little or no notice, their account will be shut down unless they confirm their personal and/or billing information right away. In addition, great care is taken to copy the original Web site to make the scheme appear as authentic as possible. Web addresses (URL's) are masked to make them look real.

If you receive an e-mail of this nature, DO NOT respond to it, click on the link, or provide any information. Delete it. In addition, you may want to:

To protect yourself, consider the following:

If you are victimized, contact the three major credit bureaus to place a "fraud alert" on your accounts, and notify your local police. See our Identity Theft section for more information. View the National Credit Union Administration's (NCUA) informational Phishing brochure here.

Fraud Definitions

Honeypots:

Closely monitored network decoys designed to distract adversaries from more valuable machines on a network. They can provide early warning about new attack and exploitation trends and they allow in-depth examination of attacks.

Keystroke logger:

A software program that enables one Internet user to monitor the actual keystrokes of another Internet user.

Phishing:

A process by which fraudsters are able to replicate the "look and feel" of a legitimate financial services company's e-mail or Web site for the purposes of tricking customers into divulging personal identification, passwords and financial data.

Shoulder surfing:

Stealing a computer password or access code by peeking over a person's shoulder while he types in the characters.

Skimming:

The copying by a dishonest cashier of the data on a magnetic stripe on a customer's credit card by swiping it through a small card reader. The information is then used to make counterfeit cards.

Sniffing:

The watching, displaying and logging of another Internet user's computer traffic.

Spoofing:

The forging of an e-mail header to make it appear as if it came from someone or somewhere other than the actual source.

Synthetic identity:

A false identity made up of stolen components.

Trojan horses:

Programs in which malicious or harmful code is concealed or hidden inside apparently harmless programming or data, the purpose of which is to get control of the breached computer and do damage.

Sonoma County Grange Credit Union Credit Union Privacy Policy

Our Privacy Pledge

At Sonoma County Grange Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Sonoma County Grange Credit Union. This notice explains what types of member information we collect and under what circumstances we may share it.

We do not sell member information nor share your account numbers with independent third party marketers offering their products and services.

Member Information We Collect

The Credit Union collects relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you (member information) which is "nonpublic." The member information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:

Application Information. We retain personal information we receive from you on any application you provide for membership, deposit accounts, EFT services, loans, insurance, or other Credit Union services. This information includes: name, address, social security number, birth date, phone number, employment and financial status, and credit history.

Your Transactions. Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, or insurance transactions, transactions through Online Banking, or over the phone or at a branch, we retain the transaction information, including: your account number, the date, amount, location of the transaction, and other pertinent information.

Credit Reports. When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests.

Online. We obtain information online when you visit our web site, http://grangecu.org. This includes retaining information you provide us on any online application, Online Banking transaction or information you send to us by e-mail.

Member Information We Share

In order to provide financial services to you, we share certain information about you with our third party service providers to the extent necessary to service your account or services. If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may have about former members is generally shared or disclosed if necessary to enforce or administer an account or as required by law.

Sharing Information with Third Party Service Providers. In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including: data processing companies, check, ATM, and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, and credit reporting agencies. These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential. We share the following categories of information with third party service providers depending on the specific services provided:

  • Personal information (name, address, account number, SSN, etc.)
  • Account information (type of accounts, account balances, transaction history, etc.)
  • Transaction information (dates, amounts, locations, type of transactions, etc.)

We do not sell member information nor share your account numbers with independent third party marketers offering their products and services. We do not disclose or share information regarding our members or other consumers in ways that give rise to 'opt-out' or 'opt-in' election rights that you may have heard about. If we change this disclosure so that you would have such rights, we will notify you in advance.

Sharing Information as Legally Required or Permitted. We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

Our Confidentiality and Security Safeguards. We maintain strict policies and security controls to assure that member information in our computer systems and files is protected. Our employees and agents are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees and agents have access to such member information as necessary to conduct a transaction or respond to your inquiries. All employees and agents are trained to respect member privacy. No one except our employees and agents has regular access to the Credit Union computer system and records storage. The Credit Union has established internal security controls, including physical, electronic and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security controls to safeguard your member information as we employ new technology in the future.

Online Privacy Protections

On our web site, http://grangecu.org, you may apply for accounts and services and you may communicate with us via e-mail. However, if you send e-mail to info@grangecu.org it will not be secure. When you visit our web site, you can access information, without revealing your personal identity. If you input your member number and password to enter Online Banking, we will use "cookies" to authenticate you and track your visit for Online Banking sessions. These "cookies" will be used to help us identify you for future Online Banking sessions. A "cookie" is a piece of information that our web server stores on your computer hard drive and retrieves later. The "cookie" will not request, require or collect personal identity information other than the information used to authenticate you for Online Banking access.

Protecting Children's Information

Our online financial services are not directed toward or designed for use by children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.

Privacy Policy Inquiries.

We reserve the right to amend this Policy in the future. If you have any questions about our privacy practices, contact us by calling (707) 584-0384, sending us an e-mail at info@grangecu.org, or write to us at Sonoma County Grange Credit Union Credit Union, 304 Sutton Place Santa Rosa, CA 95407

SECURITY & PASSWORD INFORMATION

The security of your data is extremely important to us. As a result, Sonoma County Grange Credit Union uses several layers of technology to prevent unauthorized users from gaining access to our internal network. Sonoma County Grange Credit Union's security professionals manage a sophisticated networking architecture that includes screening routers, filtering routers, and firewalls.

To ensure the security of your financial information at Sonoma County Grange Credit Union, we recommend the following:

  • Never reveal your password
    Passwords are case sensitive. Mixing uppercase and lowercase letters as well as symbols is encouraged. Your Online Banking password must be between 4 and 8 characters in length. We will never ask you for any password, however, your Secret Identifier is used to identify you when you call Member Phone Services for help. 
     
  • Create a "Strong" Online Banking Password
    A strong password includes a combination of case, letters, numbers, and symbols and is easy for you to remember, but difficult for others to guess. 
     
  • Avoid using Password Managers
    Even though they seem convenient, password managers create a habit of not changing your passwords regularly, (making it easy for you to forget your passwords), and they can override new passwords resulting in verification errors. 
     
  • Change your Online Banking password regularly
    We recommend that you change your password often. Log in to Online Banking and select Services link to do so.
    NOTE: We do not have access to your Online Banking password.
    You must contact us to reset it. When reset, it is reverted temporarily (our rep will give your your temporary password over the phone). When you log in to Online Banking, you will be prompted to update your Online Banking password. This will have no effect on your Touchtone Teller Access Code.
     
     
  • Forgotten Password Policy
    Please call the Sonoma County Grange Credit Union during normal business hours to have your password reset: (707) 585 0384 
     
  • Use the Logoff link to end your Online Banking session
    Do not click the "X".  Signing Off will delete your Online Banking session cookie. Failure to do so may hinder your ability to log in again. Otherwise, you may close out your browser to delete your session cookie.
     
     
  • Balance your account at least once a month
    Report any discrepancies in a timely manner.  


Sonoma County Grange Credit Union has been certified with a secure certificate from VeriSign to communicate via Secure Sockets Layer (SSL) technology. Digital certificates act as a digital ID that users or computers are authentic. To check any site certificate, double-click on the closed lock icon in the bottom corner of your screen. 

HOW Sonoma County Grange Credit Union PROTECTS YOU

Individualized password

When you sign up for Online Banking, we ask you to create your own password. Use this password in conjunction with your member number to access Online Banking.

Timed log off

Our Online Banking system will automatically log you off after a set amount of time. (The default time is 20 minutes.) This reduces the risk of others accessing your information from your unattended computer.

Firewalls

Our computer systems are protected by a series of powerful firewalls that block unauthorized entry.

Encryption

All online sessions are encrypted. This encryption technology is classified by the U.S. Department of Defense. United States law forbids export of this technology to other countries.  Look for a "closed lock" icon in the lower corner of your browser to determine if encryption is being used. Any Web address beginning with "https://..." indicates the page you are viewing uses encryption. The "s" stands for "secured." 

Constant surveillance

Sonoma County Grange Credit Union's Information systems group maintains and monitors all security systems to make sure that your accounts are safe and secure.

Technology updates

Sonoma County Grange Credit Union is committed to keeping up with and utilizing the latest technology to ensure your account security in the face of constantly evolving online threats. We work closely with our Online Banking provider (CMC) to ensure that new browsers meet our high security standards and can be included in our list of supported browsers.

Confirmation letters

We mail you confirmation letters whenever you make a change to your contact information, account information, or Touchtone Teller Access Code.

E-MAIL CORRESPONDENCE FROM Sonoma County Grange Credit Union

Member Communication E-Mails

In response to phishing threats, we will never ask you to disclose or verify personal information via e-mail.

One-On-One E-Mails

During the normal course of business you may receive an e-mail from a Sonoma County Grange Credit Union employee. For your convenience we may include links in "one-on-one" e-mails to assist you in locating a certain online form or section of our web site. One-on-one e-mails will include the member's surname in the subject line. We will never ask you to disclose or verify personal information via e-mail.

E-MAIL CORRESPONDENCE TO Sonoma County Grange Credit Union

Secure E-Mail

We respond to all e-mails within one business day. There are two ways you can send us an e-mail.

  1. Log in to Online Banking and click on the "Mail" link. You can send AND receive un-encrypted e-mails within Online Banking.
  2. Use our Contact Us email address to send us a un-secure e-mail. Wwe suggest that you do not send sensitive information such as credit card numbers or password information. Our reply to your message will be made through unsecured e-mail. Reasonable efforts will be made to remove sensitive information prior to our reply.

Third Party E-Mails

You may receive e-mails from third parties who have business relationships with Sonoma County Grange Credit Union. These vendors (such as CheckFree) may send you e-mails that include links to the Sonoma County Grange Credit Union web site. Sonoma County Grange Credit Union is not responsible for the functionality of links included in any third party e-mail.

Search Engine Tips

We discourage using search engines to find the Sonoma County Grange Credit Union web site, since doing so can result in false or phished sites that may be harmful to your computer.

There are 2 safe ways to locate our site:

  1. Type in our URL in your browser's address bar:
    http://grangecu.org
  2. Set up a "bookmark" or "favorite" in your browser.

REPORT SCAMS

DO NOT OPEN e-mails from unknown sources. DELETE THEM.  You may want to report the scam to the organization named in the e-mail, report it to the FTC, or forward the suspicious e-mail to the FTC at uce@ftc.gov. If Sonoma County Grange Credit Union is named in the scam, forward the e-mail to info@grangecu.org.

Other Resources on the Sonoma County Grange Credit Union Web Site

Identity Theft

Help! I'm a victim of identity theft! What do I do?

Take action immediately. Document the time and money you spend on clearing your name. In some states, any person found guilty of financial identity theft will be ordered to pay restitution to the victim for any financial loss, including lost wages. Use the attached Action Plan to help yourself get organized.

  1. Contact the creditors of any accounts that have been tampered with or opened fraudulently. These may include credit card companies, telephone and cell phone companies and other utilities, credit unions, banks, and other lenders. It's also a good idea to contact other card issuers, like libraries, health insurance providers, video stores, AAA, etc. Ask to speak with the security or fraud department, take notes concerning who you spoke with, when, and conversation highlights. Follow up in writing within 30 days.

    Instead of completing different forms for each creditor, ask each creditor if they will accept an ID Theft Affidavit provided by the FTC to report your claim. (Click here for Sonoma County Grange Credit Union Affidavit of Fraud.)

    Follow up with credit card companies in writing. There are specific consumer protection procedures spelled out for resolving errors with credit card companies (click here). Immediately close accounts that have been tampered with and open new ones with new PINs and passwords. Avoid using easily available information, such as the last four digits of your social security number. Call us at (707) 584-0384 to stop payment on unused checks.

    Ask that your closed accounts be processed as "account closed at consumer's request" rather than "card lost or stolen". When "card lost or stolen" is reported to credit bureaus, they may interpret the loss as your fault.

    Once fraud is confirmed by a creditor, request that a letter from the creditor be sent to you and to each of the major credit reporting agencies (Experian, Equifax, and Trans Union) confirming the fraud. Be sure to follow up.
  2. Contact the fraud departments of each credit bureau and tell them that you have been a victim of identity theft. Request a fraud victim information kit. Ask that a "fraud alert" be placed in your file (make sure it stays in place for at least one year). A fraud alert allows you to add a temporary security alert message to your credit report alerting credit grantors to verify your identification in case someone is using your information without consent. In addition, request that a "victim's statement" be added to your credit report. For example: "My identification has been used to apply for credit fraudulently. Call me at ***-***-**** to verify any application for credit." Some credit reporting agencies require that you provide a copy of your telephone bill to verify your identity.

    You may also choose to request a "security freeze", which stops the release of any information from your file (until you remove it).

    Order a copy of your credit report at this time. A free copy should be provided to you if you indicate that you are a victim of identity theft. Ask the credit bureaus if they will supply with free reports every few months.
    EQUIFAX
    www.equifax.com
    To order your report call:
    (800) 685-1111
    or write:
    P.O. Box 740241
    Atlanta, GA 30374-0241
    To report fraud call:
    (800) 525-6285
    and write:
    PO Box 740241
    Atlanta, GA 30374-0241
    TRANS UNION CORP.
    www.transunion.com
    To order your report call:
    (800) 916-8800
    or write:
    PO Box 1000
    Chester, PA 19022
    To report fraud call:
    (800) 680-7289
    and write:
    Fraud Victim Assistance Division
    PO Box 6790
    Fullerton, CA 92834
    EXPERIAN
    (Formerly TRW)
    www.experian.com
    To order your report call:
    (888) 397-3742
    or write:
    PO Box 949
    Allen, TX 75013-0949
    To report fraud call:
    (888) 397-3742
    and write:
    PO Box 949
    Allen, TX 75013-0949

    A special note about "inquiries."

    Too many inquiries on your credit report can be viewed negatively by potential creditors. As a result, wherever questionable inquiries appear, ask that they be removed from your report. In a few months, order new copies of your reports to verify your corrections and changes, and to make sure that no new fraudulent activity has occurred.

  3. File a report with your local police department or in the community where the theft took place. Make sure the report contains a complete list of items that are missing if your purse or wallet was lost or stolen. You may also want to secure a Department of Motor Vehicles investigator's report. The police report (and its case number) is the most important piece of paper you will possess throughout this process. Be sure to keep a photocopy for yourself.

Take Control

Don't stop now! It is extremely important to be vigilant about your financial affairs. Identity thieves don't care about you, and won't stop until they are forced to stop. Protect yourself in the following ways:

  • File a complaint with the Federal Trade Commission at (877) ID-THEFT ((877) 438-4338, TDD (202) 326-2502. By mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington, DC 20580) or visit their website. Doing so will allow law enforcement and other government agencies to share information, if necessary, to help resolve identity theft related problems.
  • Get a new driver's license and be sure to ask for a new license number. Tell the California DMV representative that you are a victim of identity theft. You must provide proof that your license number has been used fraudulently in order to obtain a new license number. In California, call the DMV DL/ID Fraud Hotline at (866) 658-5758 or e-mail the information to them. You need to request a DMV Transmittal Form 11 and provide the DMV with a photocopy of the police report, photocopies of the canceled checks, bills, or letters from companies or banks substantiating the fraud. You can go to the DMV or submit the forms by mail to:


    Records Security Identification Unit
    PO Box 942890 M/S G210
    Sacramento, CA 94290-0001

    You will be notified by mail if your request has been approved. If so, you will need to go to the DMV, present them with the approval letter you received from the Records Security Identification Unit, and follow their instructions on obtaining a new license.
    Important: An e-mail or fax transmission of confidential information such as your social security number or credit card information is not fully secure. You may wish to contact the DMV by mail or telephone.
    Also, have a flag put on your old driver's license number. If any traffic tickets are issued to your old license number, or any bad checks are written, you will not be affected.
    If you live in a state other than California, call your local DMV or DOT, explain the situation, and ask them how to change your driver's license number.
  • It is not recommended that you apply for a new social security number. The long-term effects of doing so can be more problematic than helpful. However, you should report the fraud to the Social Security Administration and the Office of the Inspector General.
  • Stealing or tampering with mail is a crime. If you believe your mail has been tampered with, or that an identity thief has falsified change of address forms, report it to your local post office. For more information, check the Postal Inspector's web site or call (800) 372-8347.
  • If your credit union accounts, checks, or debit, ATM or credit cards have been tampered with, close your accounts immediately and stop payment on all unused checks. Call us at (408) 543-5202 or (866) 543-5202 for instruction. Cancel your old cards and order new ones and use different PINs.
  • If you believe your securities investments or a brokerage account has been tampered with, contact your broker or account manager and report it to the Securities and Exchange Commission, or call (800) 732-0330, fax (202) 942-9634.
  • Having trouble with fraudulent cell phone charges? Contact the Federal Communications Commission at (888) CALL-FCC ((888) 225-5322) or visit their website.
  • Using another's social security number to secure employment is a crime. Report it to the Social Security Administration's Fraud Hotline at (800) 269-0271. Follow up in writing within 30 days at PO Box 17768, Baltimore, MD 21235. Use this opportunity to request a copy of your Social Security Statement by calling (800) 772-1213.
  • Identity thieves may actually declare bankruptcy under your name to avoid payment of debts they've incurred! If you believe this has happened to you, write to the U.S. Trustee in the region where the bankruptcy was filed. US Trustees can be found here or in the Blue Pages of your phone book under US Government - Bankruptcy Administration.
  • In rare instances, identity thieves may create a criminal record under your name. You may need to hire an attorney to help resolve the problem. The procedures for clearing your name vary by jurisdiction.
  • Notify your utility companies to prevent a thief from using your utility bill as proof of residence when applying for new cards.

It is important to act promptly. Place your phone calls immediately and follow up in writing within 30 days.