Credit Card Fraud - NJCU :: Public Safety Department :: Credit Card Fraud

Credit Card Fraud

If your credit card has been lost or stolen, you might find the information on this page helpful.

Please be aware that even if someone is arrested and prosecuted for theft or unauthorized use of your credit card, that does not always guarantee you will be compensated for your losses.

What should I do?

If you haven't done so already, call the company who issued your card immediately. Most have a toll-free, 24-hour number.

By law, once you report the loss or theft, you have no further liability for unauthorized charges. In any event, your maximum liability under federal law is $50 per card.

Check with each company regarding your maximum liability. This is important when your loss involves a debit card. As unlike a credit card, a debit card results in immediate loss of funds from your bank account.

Major credit card companies

Visa: 1-800-VISA-911

MasterCard: 1-800-823-2181

Discover: 1-800-DISCOVER

American Express: 1-800-528-4800

How can I get a copy of my credit report?

If you are a victim of fraud, you may obtain a copy of your credit report free of charge by contacting:

TransUnion: 1-800-680-7289

Equifax: 1-800-525-6285

Experian: 1-800-682-7654

For further information or assistance

If you have a problem with a credit card company, or would like to know more about regulations that govern credit card companies contact the Federal Reserve Bank in Minneapolis at 612-340-4501 or 1-800-552-7225.

Complaints and questions about credit cards issued by department stores, oil companies or other non-bank creditors should be addressed to:

Credit Cards

Corresponding Branch

Federal Trade Commission

Washington, D.C. 20580

If your credit card is issued by a national bank, send any correspondence to:

Office of the Comptroller of the Currency

Consumer Activities Division

Washington, D.C. 20219

If your credit card is issued by a savings and loan institution or a federal reserve bank, contact:

Office of Thrift Supervision

1700 G Street N.W.

Washington, D.C. 20552

For all other banks, write to:

Federal Reserve Board

Division of Consumer Affairs

Washington, D.C. 20551

Credit Card Safety

Report billing errors and unauthorized charges to your credit card company immediately. Keep track of sales slips and other pertinent information so you can compare these to your billing statements.
Do not give your credit card number over the phone to anyone.
Check your cards periodically to make sure none are missing. Limit the number to those you regularly use.
Make sure your credit card is returned after each transaction.
Personally destroy all carbons on sales slip to avoid unauthorized use of your name, card number and expiration date. (Carbons can be used by counterfeiters.)
Carry only credit cards you will be using.
Keep a list of credit card numbers and card company numbers in case a card is stolen or lost.

For more information, please email: publicsafety@njcu.edu or call 201-200-3127 / 3128.

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