Take action

Get answers here if you’ve become a victim of fraud

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Identity theft

How to recognize identity theft and report it to local and Federal authorities

Resources
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Phishing/smishing

Learn how to protect yourself from phishing, smishing, and vishing

Resources
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Card fraud

How to report possible card fraud and reduce its likelihood in the future

Resources

Identity theft


How will you know if your identity has been stolen? Watch for these red flags:

  • Bills for things you didn’t buy
  • Calls from debt collectors about accounts you didn’t open
  • Unfamiliar accounts on your credit report
  • Loan applications denied despite good credit

If you have evidence of identity theft, take these actions:

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Download our Identity Theft Victim Kit. Fill out the ID Theft Affidavit form and take any other actions that apply.

Telephone receiver

File a police report with your local law enforcement department.

Lock

Create an Identity Theft Report with the Federal Trade Commission (FTC) online or by calling 1-877-438-4338.

Additional information

You can find additional information at IdentityTheft.gov and the resources at the bottom of the page.

By selecting any link to third party content, you will enter a website that Golden 1 does not control. We have provided these links for your convenience, but we are not responsible for the content, links, or the privacy or security policies of these websites.

Phishing, smishing, and vishing


Golden 1 will never call, email, or text you asking for a one-time passcode, your account password, code word, or card or account details.

If you've received a suspicious email or text message that appears to be from Golden 1, please forward it or send screenshots to reportsmishing@golden1.com.

If you clicked on any link in these messages or gave out your online/mobile banking credentials, one-time passcode, or any other sensitive details, please reset your password immediately and then call us at 1-877-465-3361.

Card fraud


Be aware of unexpected charges on your credit or debit cards. We may contact you if we detect unusual activity. 

If you find unauthorized charges, take these actions:

Member Service

Call us 24/7 at 1-877-465-3361 to report possible fraud.

Lock your card to prevent further transactions, using the card management tools in your Mobile app or Online Banking.

Shopping bag

Call the merchant(s) where the fraudulent purchase occurred.

Check status

Contact all three credit bureaus to place an Initial Fraud Alert.

Order a full copy of your credit report, available at annualcreditreport.com.

Check all of the details for questionable activity.

Credit bureaus

Equifax®: equifax.com
To report fraud: 1-800-525-6285  To order a report: 1-800-685-1111

Experian®: experian.com
To report fraud: 1-888-397-3742  To order a report: 1-888-397-3742

TransUnion®: transunion.com
To report fraud: 1-800-680-7289  To order a report: 1-800-916-8800

Alerts and notifications

You can improve your chances of catching fraudulent activity early by enabling transaction controls, notifications, and alerts on our mobile app and Online Banking. You’ll receive an email, text, or push notification to inform you of any suspicious activity on your accounts.

By selecting any link to third party content, you will enter a website that Golden 1 does not control. We have provided these links for your convenience, but we are not responsible for the content, links, or the privacy or security policies of these websites.

More resources and information


Blog

Report Fraud with a Tap of Your Finger – how to use our self-service portal to report fraud and dispute charges

Phone numbers

Golden 1: 1-877-465-3361
VISA® emergency card replacement: 1-800-847-2911

Web addresses

Federal Trade Commission: consumer.ftc.gov
Identity Theft Resource Center: idtheftcenter.org
Annual Credit Report: annualcreditreport.com

By selecting any link to third party content, you will enter a website that Golden 1 does not control. We have provided these links for your convenience, but we are not responsible for the content, links, or the privacy or security policies of these websites.

We use cookies to make site navigation easier, analyze site use, and assist our marketing, as explained in our Online Privacy Policy.

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